GLARNER
ActiveSummary
GLARNER has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €20k. Its solvency ranks better than 45% of 16618 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability91▼-9
Solvency83▲+15
Growth52
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.3 against 1.73 in 2024; short-term debt: 42.4% and cash: 96.9% of total assets), and 42.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
57.6%
Return on assets
17.6%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 04-05-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
4 d late
2024
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 15.6%
2024 · €57k
2024: €57k
2025: €66k▲ +15.6% vs 2024
2024 → 2025
Total assets
€114k▼ 13.4%
2024 · €132k
2024: €132k
2025: €114k▼ -13.4% vs 2024
2024 → 2025
Net result
€20k▼ 68.1%
2024 · €63k
2024: €63k
2025: €20k▼ -68.1% vs 2024
2024 → 2025
Working capital
€63k▲ 14.1%
2024 · €55k
2024: €55k
2025: €63k▲ +14.1% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€57k-€66k▲ 15.6%
2024: €57k
2025: €66k▲ +15.6% vs 2024
Operating result€77k-€26k▼ 67.0%
2024: €77k
2025: €26k▼ -67.0% vs 2024
Net result€63k-€20k▼ 68.1%
2024: €63k
2025: €20k▼ -68.1% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€3k ▲ 59.5%
Current assets
€111k ▼ 14.5%
Equity and liabilities €114k
Equity
€66k ▲ 15.6%
Debt
€48k ▼ 35.4%
Debt's share of the balance-sheet total falls from 56.9% to 42.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€26k▼
2024 · €78k
Cash flow
€21k▼
2024 · €64k
Current ratio
2.30▲
2024 · 1.73
Debt to equity
0.74▼
2024 · 1.32
ROE
30.6%▼
2024 · 111.0%
ROA
17.6%▼
2024 · 47.9%
Interest coverage
10.15▼
2024 · 1468.36
Debt ≤ 1 year
€48k▼
2024 · €75k
Income taxes
€3k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€132k€114k▼
Fixed assets21/28€2k€3k▲
Tangible fixed assets22/27€2k€3k▲
Furniture and vehicles24€2k€3k▲
Current assets29/58€130k€111k▼
Cash at bank and in hand54/58€129k€110k▼
Deferred charges and accrued income490/1€400€577▲
Equity and liabilities
Total equity and liabilities10/49€132k€114k▼
Equity10/15€57k€66k▲
Contributions10/11€5k€5k=
Reserves13€52k€61k▲
Distributable reserves133€52k€61k▲
Amounts payable17/49€75k€48k▼
Amounts payable within one year42/48€75k€48k▼
Trade debts44€2k€917▼
Suppliers440/4€2k€917▼
Taxes, remuneration and social security45€17k€3k▼
Taxes450/3€17k€3k▼
Other amounts payable47/48€56k€45k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€593€710▲
Other operating charges640/8€309€868▲
Gross operating margin9900€78k€27k▼
Operating profit (loss)9901€77k€26k▼
Financial charges65/66B€53€3k▲
Recurring financial charges65€53€3k▲
Profit (loss) for the period before taxes9903€77k€23k▼
Income taxes67/77€14k€3k▼
Profit (loss) for the period9904€63k€20k▼
Profit (loss) for the period to be appropriated9905€63k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€20k▼
Transfer to equity691/2€52k€9k▼
To other reserves6921€52k€9k▼
Profit to be distributed694/7€11k€11k=
Directors or managers695€11k€11k=
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €593 | €710 | ▲ 19.7% |
| Other operating charges640/8 | €309 | €868 | ▲ 181% |
| Gross operating margin9900 | €78k | €27k | ▼ 65.3% |
| Operating profit (loss)9901 | €77k | €26k | ▼ 67.0% |
| Financial charges65/66B | €53 | €3k | ▲ 4,775% |
| Recurring financial charges65 | €53 | €3k | ▲ 4,775% |
| Profit (loss) for the period before taxes9903 | €77k | €23k | ▼ 70.3% |
| Income taxes67/77 | €14k | €3k | ▼ 79.9% |
| Profit (loss) for the period9904 | €63k | €20k | ▼ 68.1% |
| Profit (loss) for the period to be appropriated9905 | €63k | €20k | ▼ 68.1% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €132k | €114k | ▼ 13.4% |
| Fixed assets21/28 | €2k | €3k | ▲ 59.5% |
| Tangible fixed assets22/27 | €2k | €3k | ▲ 59.5% |
| Furniture and vehicles24 | €2k | €3k | ▲ 59.5% |
| Current assets29/58 | €130k | €111k | ▼ 14.5% |
| Cash at bank and in hand54/58 | €129k | €110k | ▼ 14.6% |
| Deferred charges and accrued income490/1 | €400 | €577 | ▲ 44.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €132k | €114k | ▼ 13.4% |
| Equity10/15 | €57k | €66k | ▲ 15.6% |
| Contributions10/11 | €5k | €5k | = |
| Reserves13 | €52k | €61k | ▲ 17.1% |
| Distributable reserves133 | €52k | €61k | ▲ 17.1% |
| Amounts payable17/49 | €75k | €48k | ▼ 35.4% |
| Amounts payable within one year42/48 | €75k | €48k | ▼ 35.4% |
| Trade debts44 | €2k | €917 | ▼ 41.7% |
| Suppliers440/4 | €2k | €917 | ▼ 41.7% |
| Taxes, remuneration and social security45 | €17k | €3k | ▼ 83.3% |
| Taxes450/3 | €17k | €3k | ▼ 83.3% |
| Other amounts payable47/48 | €56k | €45k | ▼ 20.7% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €63k | €20k | ▼ 68.1% |
| + Depreciation and write-downs630 | €593 | €710 | ▲ 19.7% |
| Operating cash flow (approximation) | €64k | €21k | ▼ 67.3% |
| Investment in fixed assets (approximation) | - | €-2k | - |
| Change in cash | - | €-19k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2024
Ground area
361 m²
Building footprint
51 m²
Parcel 53404B0642/00K003, Wallonia. Linked by address, not a title deed.
8
companies at this address
See who is registered here
1 establishment unit
GLARNER
since 20242.356.408.825
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0642/00K003 | Wallonia | 361 m² | 1 · 51 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,696 companies in sector 86951 we hold annual accounts for 2,142. 1,941 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-02-2024
Fiscal year end30-09
Activities, NACEBEL 2025
86951Physiotherapy
Scores and ratios are computed by Checked and are not a credit decision.