Go4Fin
ActiveGo4Fin has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €11k. Equity remains stable across the filed fiscal years (±2.5% per year). Its solvency ranks better than 55% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+11
Solvency86▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.38 against 1.89 in 2024; short-term debt: 38.8% and cash: 22.2% of total assets), and 38.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
61.2%
Return on assets
12.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-02-2026, 69 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
69 d early
2024
148 d early
2023
7 d early
2022
11 d early
2021
1 d early
2020
24 d early
← before the deadline
after the deadline →
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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▼ 17.8%
2024 · €66k
2020: €48k
2021: €65k
2022: €80k
2023: €107k
2024: €66k
2020 → 2025
Total assets
€89k▼ 27.7%
2024 · €123k
2020: €84k
2021: €86k
2022: €90k
2023: €117k
2024: €123k
2020 → 2025
Net result
€11k▲ 140%
2024 · €5k
2020: €44k
2021: €17k
2022: €14k
2023: €28k
2024: €5k
2020 → 2025
Working capital
€47k▼ 6.5%
2024 · €51k
2020: €13k
2021: €29k
2022: €46k
2023: €81k
2024: €51k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€80k▲ 21.8%€107k▲ 35.1%€66k▼ 38.4%€54k▼ 17.8%
Operating result€23k-€19k▼ 17.0%€38k▲ 100%€9k▼ 76.6%€18k▲ 103%
Net result€17k-€14k▼ 17.2%€28k▲ 96.2%€5k▼ 83.3%€11k▲ 140%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 103% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €89k
Fixed assets
€7k▼ 54.7%
Current assets
€82k▼ 23.8%
Equity and liabilities €89k
Equity
€54k▼ 17.8%
Debt
€34k▼ 39.3%
The debt ratio falls from 46.1% to 38.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €21k
Cash flow
€17k▲
2024 · €17k
Solvency
61.2%▲
2024 · 53.9%
Current ratio
2.38▲
2024 · 1.89
Quick ratio
2.38▲
2024 · 1.89
Debt / equity
0.63▼
2024 · 0.86
ROE
20.6%▲
2024 · 7.1%
ROA
12.6%▲
2024 · 3.8%
Interest coverage
17.85▼
2024 · 18.56
Debt
€34k▼
2024 · €57k
Debt ≤ 1 year
€34k▼
2024 · €57k
Income taxes
€5k▲
2024 · €3k
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€123k€89k▼
Fixed assets21/28€16k€7k▼
Tangible fixed assets22/27€16k€7k▼
Land and buildings22€2k€913▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€9k€2k▼
Current assets29/58€107k€82k▼
Amounts receivable within one year40/41€25k€62k▲
Trade receivables40€13k€55k▲
Other amounts receivable41€12k€7k▼
Cash at bank and in hand54/58€82k€20k▼
Deferred charges and accrued income490/1€346€102▼
Equity and liabilities
Total equity and liabilities10/49€123k€89k▼
Equity10/15€66k€54k▼
Contributions10/11€4k€4k=
Reserves13€62k€50k▼
Distributable reserves133€62k€50k▼
Profit (loss) carried forward14€0€0▼
Amounts payable17/49€57k€34k▼
Amounts payable within one year42/48€57k€34k▼
Current portion of amounts payable after more than one year42-€64
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€46k€23k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€6k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€-89
Gross operating margin9900€23k€25k▲
Operating profit (loss)9901€9k€18k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€8k€17k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€5k€11k▲
Profit (loss) for the period to be appropriated9905€5k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€11k▲
Profit (loss) brought forward from the previous period14P-€0
Transfer from equity791/2€46k€23k▼
Transfer to equity691/2€5k€11k▲
To other reserves6921€5k€11k▲
Profit to be distributed694/7€46k€23k▼
Return on contributions (dividend)694€46k€23k▼
The notes to these accounts (7 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
20-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Weakest financial yearnet €5k ▼83.3%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €107k ▲35.1%
4 profitable years in a row build equity to €107k.
19-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity doublescurrent ratio 5.63
Current ratio from 2.57 to 5.63; short-term debt falls from €19k to €10k.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Gent · 1 establishment unit since 2019
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.
Staf Bruggenstraat 39040 GentGround area
656 m²
Building footprint
163 m²
Volume, LiDAR
250 m³
2 parcels, Flanders · tallest building 3.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Go4Fin
since 20192.294.805.412
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44061B0315/00K005 | Flanders | 340 m² | 1 · 77 m² | 3.6 m · 1 fl. |
| 44061B0315/00N005 | Flanders | 316 m² | 1 · 85 m² | - |
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 82,570 companies in sector 70200 we hold annual accounts for 52,574. 38,507 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-09-2019
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:iwertg@gmail.com
Phone:0495928892