Summary
GOFIBEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €7.00M and a net result of €378k. Equity is growing by ~7.8% per year across the filed fiscal years. Its solvency ranks better than 21% of 2777 sector peers (fiscal year 2024). The company has been active since 1994 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 check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 2777 sector peers (2024).
NBB · sector comparisonPosition among 2777 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
34 d early
2023
28 d early
2022
18 d early
2021
19 d early
2020
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2024, full schema, statutory accounts
Equity
€7.00M▲ 4.9%
2023 · €6.68M
2018: €4.29Mlowest in 7 years
2019: €4.83M▲ +12.5% vs 2018
2020: €5.29M▲ +9.4% vs 2019
2021: €5.92M▲ +12.0% vs 2020
2022: €6.37M▲ +7.5% vs 2021
2023: €6.68M▲ +4.8% vs 2022
2024: €7.00M▲ +4.9% vs 2023highest in 7 years
2018 → 2024
Net result
€378k▲ 5.6%
2023 · €358k
2018: €298klowest in 7 years
2019: €537k▲ +80.4% vs 2018
2020: €456k▼ -15.0% vs 2019
2021: €635k▲ +39.2% vs 2020highest in 7 years
2022: €596k▼ -6.1% vs 2021
2023: €358k▼ -39.9% vs 2022
2024: €378k▲ +5.6% vs 2023
2018 → 2024
Total assets
€32.18M▲ 0.2%
2023 · €32.13M
2018: €28.60M
2019: €25.44M▼ -11.1% vs 2018lowest in 7 years
2020: €29.50M▲ +16.0% vs 2019
2021: €26.05M▼ -11.7% vs 2020
2022: €30.71M▲ +17.9% vs 2021
2023: €32.13M▲ +4.6% vs 2022
2024: €32.18M▲ +0.2% vs 2023highest in 7 years
2018 → 2024
Solvency
21.8%▲ 1.0pp
2023 · 20.8%
2018: 15.0%lowest in 7 years
2019: 19.0%▲ +26.5% vs 2018
2020: 17.9%▼ -5.6% vs 2019
2021: 22.7%▲ +26.8% vs 2020highest in 7 years
2022: 20.7%▼ -8.8% vs 2021
2023: 20.8%▲ +0.2% vs 2022
2024: 21.8%▲ +4.7% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€2.12M-€2.35M▲ 10.7%€2.44M▲ 4.2%€2.31M▼ 5.4%€2.35M▲ 1.8%
2020: €2.12Mlowest in 5 years
2021: €2.35M▲ +10.7% vs 2020
2022: €2.44M▲ +4.2% vs 2021highest in 5 years
2023: €2.31M▼ -5.4% vs 2022
2024: €2.35M▲ +1.8% vs 2023
Equity€5.29M-€5.92M▲ 12.0%€6.37M▲ 7.5%€6.68M▲ 4.8%€7.00M▲ 4.9%
2020: €5.29Mlowest in 5 years
2021: €5.92M▲ +12.0% vs 2020
2022: €6.37M▲ +7.5% vs 2021
2023: €6.68M▲ +4.8% vs 2022
2024: €7.00M▲ +4.9% vs 2023highest in 5 years
Operating result€647k-€887k▲ 37.0%€917k▲ 3.4%€812k▼ 11.4%€865k▲ 6.5%
2020: €647klowest in 5 years
2021: €887k▲ +37.0% vs 2020
2022: €917k▲ +3.4% vs 2021highest in 5 years
2023: €812k▼ -11.4% vs 2022
2024: €865k▲ +6.5% vs 2023
Net result€456k-€635k▲ 39.2%€596k▼ 6.1%€358k▼ 39.9%€378k▲ 5.6%
2020: €456k
2021: €635k▲ +39.2% vs 2020highest in 5 years
2022: €596k▼ -6.1% vs 2021
2023: €358k▼ -39.9% vs 2022lowest in 5 years
2024: €378k▲ +5.6% vs 2023
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 6% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €32.18M
Fixed assets
€11.71M ▲ 0.7%
Current assets
€20.48M ▼ 0.1%
Equity and liabilities €32.18M
Equity
€7.00M ▲ 4.9%
Debt
€25.18M ▼ 1.1%
Debt's share of the balance-sheet total falls from 79.2% to 78.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.4%▲
2023 · 5.4%
ROA
1.2%▲
2023 · 1.1%
Debt ≤ 1 year
€24.41M▼
2023 · €24.44M
Debt > 1 year
€684k▼
2023 · €910k
Income taxes
€149k▲
2023 · €129k
Staff costs
€885k▼
2023 · €934k
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 · 2024 against 2023 · 74 lines
Balance sheet
Code20232024
Assets
Total assets20/58€32.13M€32.18M▲
Fixed assets21/28€11.63M€11.71M▲
Tangible fixed assets22/27€459k€539k▲
Furniture and vehicles24€442k€539k▲
Leasing and similar rights25€17k-
Financial fixed assets28€11.17M€11.17M=
Affiliated companies280/1€11.12M€11.12M=
Participating interests280€11.12M€11.12M=
Other financial fixed assets284/8€51k€51k=
Shares284€51k€51k=
Amounts receivable and cash guarantees285/8€50€50=
Current assets29/58€20.50M€20.48M▼
Amounts receivable within one year40/41€16.88M€19.58M▲
Trade receivables40€258k€459k▲
Other amounts receivable41€16.62M€19.12M▲
Current investments50/53€5k€5k=
Other investments51/53€5k€5k=
Cash at bank and in hand54/58€3.61M€883k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€32.13M€32.18M▲
Equity10/15€6.68M€7.00M▲
Contributions10/11€868k€868k=
Capital10€868k€868k=
Issued capital100€868k€868k=
Reserves13€87k€87k=
Non-distributable reserves130/1€87k€87k=
Legal reserve130€87k€87k=
Profit (loss) carried forward14€5.72M€6.05M▲
Amounts payable17/49€25.45M€25.18M▼
Amounts payable after more than one year17€910k€684k▼
Financial debts170/4€910k€684k▼
Subordinated loans170€246k€137k▼
Credit institutions173€665k€546k▼
Amounts payable within one year42/48€24.44M€24.41M▼
Current portion of amounts payable after more than one year42€366k€398k▲
Financial debts43€16.05M€15.49M▼
Credit institutions430/8€16.05M€15.49M▼
Trade debts44€162k€41k▼
Suppliers440/4€162k€41k▼
Taxes, remuneration and social security45€213k€202k▼
Taxes450/3€74k€79k▲
Remuneration and social security454/9€138k€123k▼
Other amounts payable47/48€7.65M€8.28M▲
Accrued charges and deferred income492/3€102k€87k▼
Income statement
Code20232024
Operating income70/76A€2.41M€2.46M▲
Turnover70€2.31M€2.35M▲
Other operating income74€57k€54k▼
Non-recurring operating income76A€44k€55k▲
Operating charges60/66A€1.60M€1.60M▼
Services and other goods61€534k€565k▲
Remuneration, social security and pensions62€934k€885k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€141k▲
Other operating charges640/8€22k€7k▼
Non-recurring operating charges66A€28k-
Operating profit (loss)9901€812k€865k▲
Financial income75/76B€676k€840k▲
Recurring financial income75€676k€840k▲
Income from current assets751€675k€840k▲
Other financial income752/9€901€3▼
Financial charges65/66B€1.00M€1.18M▲
Recurring financial charges65€1.00M€1.18M▲
Debt charges650€962k€1.13M▲
Other financial charges652/9€38k€46k▲
Profit (loss) for the period before taxes9903€487k€528k▲
Income taxes67/77€129k€149k▲
Taxes670/3€134k€149k▲
Tax adjustments and reversals of tax provisions77€5k-
Profit (loss) for the period9904€358k€378k▲
Profit (loss) for the period to be appropriated9905€358k€378k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5.77M€6.10M▲
Profit (loss) brought forward from the previous period14P€5.41M€5.72M▲
Profit to be distributed694/7€50k€50k=
Return on contributions (dividend)694€50k€50k=
Social balance
Average headcount (FTE)90876.25.5▼
The notes to these accounts (50 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | - | €2.43M | €2.54M | €2.41M | €2.46M | ▲ 2.0% |
| Turnover70 | €2.12M | €2.35M | €2.44M | €2.31M | €2.35M | ▲ 1.8% |
| Other operating income74 | - | €82k | €73k | €57k | €54k | ▼ 6.2% |
| Non-recurring operating income76A | - | - | €20k | €44k | €55k | ▲ 23.4% |
| Operating charges60/66A | - | €1.54M | €1.62M | €1.60M | €1.60M | ▼ 0.3% |
| Services and other goods61 | - | €466k | €554k | €534k | €565k | ▲ 5.7% |
| Remuneration, social security and pensions62 | - | €905k | €918k | €934k | €885k | ▼ 5.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €117k | €122k | €122k | €82k | €141k | ▲ 70.8% |
| Other operating charges640/8 | - | €47k | €26k | €22k | €7k | ▼ 70.2% |
| Non-recurring operating charges66A | - | - | - | €28k | - | - |
| Operating profit (loss)9901 | €647k | €887k | €917k | €812k | €865k | ▲ 6.5% |
| Financial income75/76B | - | €279k | €295k | €676k | €840k | ▲ 24.3% |
| Recurring financial income75 | €286k | €279k | €295k | €676k | €840k | ▲ 24.3% |
| Income from current assets751 | - | €279k | €295k | €675k | €840k | ▲ 24.5% |
| Other financial income752/9 | - | - | - | €901 | €3 | ▼ 99.7% |
| Financial charges65/66B | - | €284k | €373k | €1.00M | €1.18M | ▲ 17.6% |
| Recurring financial charges65 | €285k | €284k | €373k | €1.00M | €1.18M | ▲ 17.6% |
| Debt charges650 | €260k | €252k | €338k | €962k | €1.13M | ▲ 17.5% |
| Other financial charges652/9 | - | €32k | €35k | €38k | €46k | ▲ 21.1% |
| Profit (loss) for the period before taxes9903 | €648k | €882k | €839k | €487k | €528k | ▲ 8.3% |
| Income taxes67/77 | €191k | €247k | €243k | €129k | €149k | ▲ 15.8% |
| Taxes670/3 | - | €247k | €243k | €134k | €149k | ▲ 11.7% |
| Tax adjustments and reversals of tax provisions77 | - | €0 | - | €5k | - | - |
| Profit (loss) for the period9904 | €456k | €635k | €596k | €358k | €378k | ▲ 5.6% |
| Profit (loss) for the period to be appropriated9905 | €456k | €635k | €596k | €358k | €378k | ▲ 5.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €29.50M | €26.05M | €30.71M | €32.13M | €32.18M | ▲ 0.2% |
| Fixed assets21/28 | €11.45M | €11.66M | €11.36M | €11.63M | €11.71M | ▲ 0.7% |
| Tangible fixed assets22/27 | €336k | €311k | €189k | €459k | €539k | ▲ 17.5% |
| Furniture and vehicles24 | - | €190k | €108k | €442k | €539k | ▲ 21.9% |
| Leasing and similar rights25 | - | €122k | €81k | €17k | - | - |
| Financial fixed assets28 | €11.12M | €11.35M | €11.17M | €11.17M | €11.17M | = |
| Affiliated companies280/1 | - | €11.12M | €11.12M | €11.12M | €11.12M | = |
| Participating interests280 | - | €11.12M | €11.12M | €11.12M | €11.12M | = |
| Companies linked by participating interests282/3 | - | €180k | - | - | - | - |
| Participating interests282 | - | €180k | - | - | - | - |
| Other financial fixed assets284/8 | - | €50k | €51k | €51k | €51k | = |
| Shares284 | - | €50k | €51k | €51k | €51k | = |
| Amounts receivable and cash guarantees285/8 | - | €50 | €50 | €50 | €50 | = |
| Current assets29/58 | €18.04M | €14.39M | €19.35M | €20.50M | €20.48M | ▼ 0.1% |
| Amounts receivable after more than one year29 | - | €28k | €21k | - | - | - |
| Other amounts receivable291 | - | €28k | €21k | - | - | - |
| Amounts receivable within one year40/41 | €17.37M | €13.62M | €15.59M | €16.88M | €19.58M | ▲ 16.0% |
| Trade receivables40 | - | €342k | €197k | €258k | €459k | ▲ 77.7% |
| Other amounts receivable41 | - | €13.27M | €15.39M | €16.62M | €19.12M | ▲ 15.0% |
| Current investments50/53 | €5k | €5k | €5k | €5k | €5k | = |
| Other investments51/53 | - | €5k | €5k | €5k | €5k | = |
| Cash at bank and in hand54/58 | €659k | €725k | €3.74M | €3.61M | €883k | ▼ 75.5% |
| Deferred charges and accrued income490/1 | - | €13k | €1k | €6k | €5k | ▼ 8.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €29.50M | €26.05M | €30.71M | €32.13M | €32.18M | ▲ 0.2% |
| Equity10/15 | €5.29M | €5.92M | €6.37M | €6.68M | €7.00M | ▲ 4.9% |
| Contributions10/11 | €868k | €868k | €868k | €868k | €868k | = |
| Capital10 | - | €868k | €868k | €868k | €868k | = |
| Issued capital100 | - | €868k | €868k | €868k | €868k | = |
| Reserves13 | €87k | €87k | €87k | €87k | €87k | = |
| Non-distributable reserves130/1 | - | €87k | €87k | €87k | €87k | = |
| Legal reserve130 | - | €87k | €87k | €87k | €87k | = |
| Profit (loss) carried forward14 | €4.33M | €4.97M | €5.41M | €5.72M | €6.05M | ▲ 5.7% |
| Amounts payable17/49 | €24.21M | €20.12M | €24.34M | €25.45M | €25.18M | ▼ 1.1% |
| Amounts payable after more than one year17 | €2.31M | €2.03M | €1.09M | €910k | €684k | ▼ 24.9% |
| Financial debts170/4 | - | €1.21M | €900k | €910k | €684k | ▼ 24.9% |
| Subordinated loans170 | - | €458k | €352k | €246k | €137k | ▼ 44.1% |
| Leasing and similar obligations172 | - | €50k | €13k | - | - | - |
| Credit institutions173 | - | €701k | €535k | €665k | €546k | ▼ 17.8% |
| Other amounts payable178/9 | - | €823k | €192k | - | - | - |
| Amounts payable within one year42/48 | €21.87M | €18.07M | €23.20M | €24.44M | €24.41M | ▼ 0.1% |
| Current portion of amounts payable after more than one year42 | - | €340k | €309k | €366k | €398k | ▲ 8.7% |
| Financial debts43 | - | €13.68M | €17.15M | €16.05M | €15.49M | ▼ 3.5% |
| Credit institutions430/8 | - | €13.68M | €17.15M | €16.05M | €15.49M | ▼ 3.5% |
| Trade debts44 | €73k | €62k | €41k | €162k | €41k | ▼ 74.6% |
| Suppliers440/4 | - | €62k | €41k | €162k | €41k | ▼ 74.6% |
| Taxes, remuneration and social security45 | - | €256k | €234k | €213k | €202k | ▼ 5.2% |
| Taxes450/3 | - | €127k | €112k | €74k | €79k | ▲ 5.8% |
| Remuneration and social security454/9 | - | €130k | €121k | €138k | €123k | ▼ 11.1% |
| Other amounts payable47/48 | - | €3.73M | €5.47M | €7.65M | €8.28M | ▲ 8.3% |
| Accrued charges and deferred income492/3 | - | €26k | €48k | €102k | €87k | ▼ 14.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €456k | €635k | €596k | €358k | €378k | ▲ 5.6% |
| + Depreciation and write-downs630 | €117k | €122k | €122k | €82k | €141k | ▲ 70.8% |
| Operating cash flow (approximation) | €574k | €757k | €718k | €441k | €519k | ▲ 17.8% |
| Investment in fixed assets (approximation) | - | €-328k | €179k | €-352k | €-221k | ▲ 37.3% |
| Change in cash | - | €66k | €3.01M | €-130k | €-2.73M | ▼ 1,991% |
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
11-09
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €635k ▲39.2%
Net result €635k, the highest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · consolidated · 60 days late
2020
31-12
Financial
Equity above €5MEq €5.29M ▲9.4%
3 profitable years in a row build equity to €5.29M.
2018
17-04
State Gazette act
General meeting · Capital increase
Share issue · Capital
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 22 acts read
About the unread acts
We know of 22 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
22 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, Soignies · 1 establishment unit since 1994
Ground area
756 m²
Building footprint
142 m²
Volume, LiDAR
1,074 m³
Parcel 55044D0169/00C000, Wallonia · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
GOFIBEL SA
since 19942.067.610.032
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55044D0169/00C000 | Wallonia | 756 m² | 1 · 142 m² | 10.0 m · 3 fl. |
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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Identification & contact
Identification
Legal formPublic limited company
Founded30-03-1994
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Scores and ratios are computed by Checked and are not a credit decision.