GMV-Consulting is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €89k and a net result of €-12k. Equity is growing by ~39.5% per year across the filed fiscal years. Its solvency ranks better than 91% of 8013 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
6 d early
2022
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€89k▼ 11.7%
2024 · €101k
2022: €23k
2023: €60k
2024: €101k
2022 → 2025
Net result
€-12k
2024 · €41k
2022: €21k
2023: €37k
2024: €41k
2022 → 2025
Total assets
€95k▼ 32.6%
2024 · €142k
2022: €133k
2023: €134k
2024: €142k
2022 → 2025
Solvency
93.0%▲ 22.0pp
2024 · 71.1%
2022: 17.3%
2023: 44.9%
2024: 71.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€23k-€60k▲ 160%€101k▲ 67.6%€89k▼ 11.7%
Operating result€36k-€52k▲ 42.5%€47k▼ 9.9%€46k▼ 1.6%
Net result€21k-€37k▲ 75.1%€41k▲ 9.9%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €95k
Fixed assets
€66k▼ 43.0%
Current assets
€29k▲ 15.4%
Equity and liabilities €95k
Equity
€89k▼ 11.7%
Debt
€7k▼ 83.8%
The debt ratio falls from 28.9% to 7.0%. Equity and debt are lower.
Key figures and ratios
Solvency
93.0%▲
2024 · 71.1%
ROE
-13.3%▼
2024 · 40.3%
ROA
-12.4%▼
2024 · 28.7%
Debt
€7k▼
2024 · €41k
Debt ≤ 1 year
€6k▼
2024 · €40k
Income taxes
€10k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€142k€95k▼
Fixed assets21/28€116k€66k▼
Financial fixed assets28€116k€66k▼
Current assets29/58€25k€29k▲
Amounts receivable within one year40/41€14k€16k▲
Trade receivables40€8k€8k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€11k€13k▲
Equity and liabilities
Total equity and liabilities10/49€142k€95k▼
Equity10/15€101k€89k▼
Contributions10/11€2k€2k=
Reserves13€97k€86k▼
Distributable reserves133€97k€86k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€41k€7k▼
Amounts payable within one year42/48€40k€6k▼
Financial debts43€6k€0▼
Other loans439€6k€0▼
Trade debts44€4k€210▼
Suppliers440/4€4k€210▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€24k€0▼
Accrued charges and deferred income492/3€566€965▲
Income statement
Code20242025
Other operating charges640/8€912€684▼
Gross operating margin9900€48k€47k▼
Operating profit (loss)9901€47k€46k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€50€51k▲
Recurring financial charges65€50€972▲
Non-recurring financial charges66B-€50k
Profit (loss) for the period before taxes9903€51k€-2k▼
Income taxes67/77€10k€10k▼
Profit (loss) for the period9904€41k€-12k▼
Profit (loss) for the period to be appropriated9905€41k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€-11k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2-€12k
Transfer to equity691/2€41k€0▼
To other reserves6921€41k€0▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-12k ▼129%
Net result drops to €-12k, the lowest in the series.
30-06
Financial
Liquidity times 8current ratio 5.12
Current ratio from 0.62 to 5.12; short-term debt falls from €40k to €6k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2022net €41k ▲9.9%
Net result €41k, the highest in the series.
30-06
Financial
Equity above €100kEq €101k ▲67.6%
3 profitable years in a row build equity to €101k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Aalst · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Fatimawijk 209308 AalstGround area
1,888 m²
Building footprint
226 m²
Volume, LiDAR
1,350 m³
2 parcels, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kloosterweg 49, 9300 Aalst
since 20212.319.549.419
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41304G0134/00N000 | Flanders | 1,637 m² | 1 · 159 m² | 8.8 m · 2 fl. |
| 41019B0100/00K004 | Flanders | 251 m² | 1 · 67 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,037 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-06-2021
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.