GOLD CLEANY

Active

Private limited companyfounded 20223 yrs activeBaesberg 3, 1502 Halle, BelgiumKBO/BCE: BE 0792.667.469

The computed 12-month bankruptcy probability of GOLD CLEANY is 1.9% (moderate). The 2025 annual accounts show equity of €39k and a net result of €274. Equity is growing by ~38.7% per year across the filed fiscal years. Its solvency ranks better than 37% of 4149 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

49 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability67▼-24

Solvency50▲+7

Growth68▼-12

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity short (current ratio 0.65 against 0.66 in 2024; short-term debt: 74.7% and cash: 4.1% of total assets), and 74.7% of the assets are financed with debt.

How do we compute the score and the probability?

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

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

25.3%

Return on assets

0.2%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 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 · 3 filings

Deviation from the deadline

2025

4 d late

2024

60 d late

2023

107 d early

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, full schema

Turnover

€370k▲ 72.7%

2024 · €214k

2023: €185k 2024: €214k

2023 → 2025

EBIT margin

3.6%▼ 14.9pp

2024 · 18.5%

2023: 10.4% 2024: 18.5%

2023 → 2025

Net result

€274▼ 99.3%

2024 · €40k

2023: €19k 2024: €40k

2023 → 2025

Working capital

€-41k▲ 34.1%

2024 · €-62k

2023: €-693 2024: €-62k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Turnover€185k-€214k▲ 15.6%€370k▲ 72.7%

Equity€9k-€39k▲ 327%€39k▲ 0.7%

Operating result€19k-€40k▲ 106%€13k▼ 66.6%

Net result€19k-€40k▲ 108%€274▼ 99.3%

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 67% below 2024 and is the lowest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €154k

51.6%

48.4%

Fixed assets €79k▼ 20.7%

Current assets €74k▼ 37.9%

Equity and liabilities €154k

25.3%

74.7%

Equity €39k▲ 0.7%

Debt €115k▼ 36.6%

The debt ratio falls from 82.5% to 74.7%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€39k▼

2024 · €66k

Cash flow

€26k▼

2024 · €66k

Solvency

25.3%▲

2024 · 17.5%

Current ratio

0.65▼

2024 · 0.66

Quick ratio

0.57▲

2024 · 0.48

Debt / equity

2.96▼

2024 · 4.70

ROE

0.7%▼

2024 · 102.5%

ROA

0.2%▼

2024 · 18.0%

Interest coverage

54.14

Debt

€115k▼

2024 · €181k

Debt ≤ 1 year

€115k▼

2024 · €181k

Income taxes

€12k

Staff costs

€9k▲

2024 · €4k

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€220k€154k▼

Fixed assets21/28€100k€79k▼

Tangible fixed assets22/27€100k€79k▼

Plant, machinery and equipment23€5k€6k▲

Furniture and vehicles24€95k€73k▼

Financial fixed assets28-€500

Current assets29/58€120k€74k▼

Stocks and contracts in progress3€33k€9k▼

Stocks30/36€33k€9k▼

Amounts receivable within one year40/41€64k€59k▼

Trade receivables40€31k€13k▼

Other amounts receivable41€33k€46k▲

Cash at bank and in hand54/58€22k€6k▼

Equity and liabilities

Total equity and liabilities10/49€220k€154k▼

Equity10/15€39k€39k▲

Contributions10/11€2k€2k=

Capital10€2k€2k=

Issued capital100€2k€2k=

Profit (loss) carried forward14€37k€37k▲

Amounts payable17/49€181k€115k▼

Amounts payable within one year42/48€181k€115k▼

Trade debts44€158k€95k▼

Suppliers440/4€158k€95k▼

Taxes, remuneration and social security45€2k€2k▼

Taxes450/3€1k€853▼

Remuneration and social security454/9€536€719▲

Other amounts payable47/48€22k€18k▼

Income statement Code20242025

Turnover70€214k€370k▲

Goods, raw materials, services and sundry goods60/61€142k€317k▲

Remuneration, social security and pensions62€4k€9k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k▼

Other operating charges640/8€2k€4k▲

Non-recurring operating charges66A-€497

Gross operating margin9900€72k€53k▼

Operating profit (loss)9901€40k€13k▼

Financial charges65/66B-€724

Recurring financial charges65-€724

Profit (loss) for the period before taxes9903€40k€12k▼

Income taxes67/77-€12k

Profit (loss) for the period9904€40k€274▼

Profit (loss) for the period to be appropriated9905€40k€274▼

Appropriation of the result

Profit (loss) to be appropriated9906€47k€37k▼

Profit (loss) brought forward from the previous period14P€7k€37k▲

Profit to be distributed694/7€10k-

Directors or managers695€10k-

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 2Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-08

NBB filing Annual accounts filed

fiscal year 2025 · full schema · 4 days late

2025

31-12

Financial Weakest financial yearnet €274 ▼99.3%

Net result drops to €274, the lowest in the series.

29-09

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 60 days late

2024

31-12

Financial Highest result since 2023net €40k ▲108%

Operating result €40k, net result €40k, both a record.

05-07

NBB filing Annual accounts filed

fiscal year 2023 · full schema

15-04

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated 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, Halle · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Baesberg 31502 Halle

Ground area

1,718 m²

Building footprint

235 m²

Volume, LiDAR

1,656 m³

2 parcels, Flanders · tallest building 11.5 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

GOLD CLEANY

Jan Vanderstraetenstraat 109, 1600 Sint-Pieters-LeeuwRetail trade

since 20222.337.379.306

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23043D0346/00E004	Flanders	964 m²	1 · 141 m²	6.1 m · 2 fl.
23582E0266/00L008	Flanders	753 m²	1 · 94 m²	11.5 m · 4 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.

Similar companies · same sector, comparable size

Sint-Jans-Molenbeek · Eq €40k

Merelbeke-Melle · Eq €40k

BENEKO

BE 0479.669.948

Baarle-Hertog · Eq €38k

Of 4,245 companies in sector 47789 we hold annual accounts for 1,020. 737 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded20-10-2022

Fiscal year end31-12

Activities, NACEBEL

47789Other retail sale of new goods

47890Retail trade

81220Other building cleaning and industrial cleaning

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.