GOLDIN
ActiveGOLDIN has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €212k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 57% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
77
/ 100
Excellent▲ +29 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▲+3
Solvency90▲+1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.25 in 2024), but 57% of the assets are financed with debt.
Credit advice 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 · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 29-09-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
4 d late
2023
20 d late
2022
10 d late
2021
28 d late
2020
44 d late
2019
7 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€212k▲ 0.6%
2024 · €211k
2019: €216k
2020: €216k
2021: €221k
2022: €217k
2023: €219k
2024: €211k
2019 → 2025
Total assets
€494k▼ 1.2%
2024 · €500k
2019: €641k
2020: €579k
2021: €616k
2022: €588k
2023: €570k
2024: €500k
2019 → 2025
Net result
€1k
2024 · €-8k
2019: €5k
2020: €-2k
2021: €6k
2022: €-5k
2023: €2k
2024: €-8k
2019 → 2025
Working capital
€266k▲ 0.1%
2024 · €266k
2019: €221k
2020: €234k
2021: €299k
2022: €277k
2023: €275k
2024: €266k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€221k-€217k▼ 2.1%€219k▲ 0.9%€211k▼ 3.5%€212k▲ 0.6%
Operating result€18k-€11k▼ 35.7%€15k▲ 29.2%€2k▼ 88.9%€12k▲ 633%
Net result€6k-€-5k€2k€-8k€1k
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 633% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €494k
Fixed assets
€4k▼ 83.2%
Current assets
€490k▲ 2.4%
Equity and liabilities €494k
Equity
€212k▲ 0.6%
Provisions
€52k=
Debt
€229k▼ 3.1%
The debt ratio falls from 47.4% to 46.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€30k▲
2024 · €27k
Cash flow
€19k▲
2024 · €17k
Solvency
43.0%▲
2024 · 42.2%
Current ratio
2.19▼
2024 · 2.25
Quick ratio
0.35▲
2024 · 0.32
Debt / equity
1.08▼
2024 · 1.12
ROE
0.6%▲
2024 · -3.6%
ROA
0.2%▲
2024 · -1.5%
Interest coverage
3.18▲
2024 · 2.91
Debt
€229k▼
2024 · €237k
Debt ≤ 1 year
€224k▲
2024 · €213k
Debt > 1 year
€1k▼
2024 · €20k
Income taxes
€2k▲
2024 · €398
Staff costs
€119k▼
2024 · €130k
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€500k€494k▼
Fixed assets21/28€21k€4k▼
Intangible fixed assets21€332€83▼
Tangible fixed assets22/27€18k€1k▼
Plant, machinery and equipment23€2k€1k▼
Other tangible fixed assets26€17k-
Financial fixed assets28€2k€2k▼
Current assets29/58€479k€490k▲
Stocks and contracts in progress3€411k€411k▲
Stocks30/36€411k€411k▲
Amounts receivable within one year40/41€4k€3k▼
Trade receivables40€4k€3k▼
Cash at bank and in hand54/58€53k€69k▲
Deferred charges and accrued income490/1€11k€6k▼
Equity and liabilities
Total equity and liabilities10/49€500k€494k▼
Equity10/15€211k€212k▲
Contributions10/11€19k€19k=
Reserves13€42k€43k▲
Distributable reserves133€42k€43k▲
Profit (loss) carried forward14€150k€150k=
Provisions and deferred taxes16€52k€52k=
Provisions for liabilities and charges160/5€52k€52k=
Pensions and similar obligations160€52k€52k=
Amounts payable17/49€237k€229k▼
Amounts payable after more than one year17€20k€1k▼
Financial debts170/4€20k€1k▼
Amounts payable within one year42/48€213k€224k▲
Current portion of amounts payable after more than one year42€25k€18k▼
Trade debts44€60k€75k▲
Suppliers440/4€60k€75k▲
Advances received on contracts in progress46€250€4k▲
Taxes, remuneration and social security45€38k€42k▲
Taxes450/3€17k€20k▲
Remuneration and social security454/9€22k€22k▲
Other amounts payable47/48€89k€85k▼
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€130k€119k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€18k▼
Other operating charges640/8€7k€7k▼
Gross operating margin9900€163k€155k▼
Operating profit (loss)9901€2k€12k▲
Financial income75/76B€277€167▼
Recurring financial income75€277€167▼
Financial charges65/66B€9k€9k▲
Recurring financial charges65€9k€9k▲
Profit (loss) for the period before taxes9903€-7k€3k▲
Income taxes67/77€398€2k▲
Profit (loss) for the period9904€-8k€1k▲
Profit (loss) for the period to be appropriated9905€-8k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€150k€151k▲
Profit (loss) brought forward from the previous period14P€158k€150k▼
Transfer to equity691/2-€1k
To other reserves6921-€1k
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
29-02
Financial
Weakest financial yearnet €-8k ▼508%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
2023
20-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
28-02
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2022
10-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
28-02
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 44 days late
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 7 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 3 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Liège · 1 establishment unit since 1998
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.
Rue du Pot-d'Or 234000 LiègeGround area
82 m²
Building footprint
60 m²
Volume, LiDAR
539 m³
Parcel 62803A1239/00C000, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Pot-d'Or 23, 4000 Liège
since 19982.065.186.121
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1239/00C000 | Wallonia | 82 m² | 1 · 60 m² | 12.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
BTS JEWELS
BE 0474.865.973
Kortrijk · Eq €215k
PASCAL DOULIERE GRAVEUR
BE 0478.406.176
Braine-l'Alleud · Eq €208k
ETABLISSEMENT CHARLES VERHAEST
BE 0405.816.326
Kortrijk · Eq €206k
ANNE ZELLIEN
BE 0877.123.290
Antwerpen · Eq €205k
L & V
BE 0448.928.965
Brussel · Eq €221k
Of 1,524 companies in sector 32123 we hold annual accounts for 225. 157 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1993
Fiscal year end28-02
Activities, NACEBEL
32123Manufacture of jewellery
36223
47770Retail sale of watches and jewellery
52484
32130Manufacture of imitation jewellery and related articles
36610
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:04 220 53 53