Gommaire
ActiveGommaire has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.89M and a net result of €421k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 4839 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▲+21
Solvency44▲+1
Growth61▲+24
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.31 in 2024; short-term debt: 69.1% and cash: 5.5% of total assets), and 81.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
18.8%
Return on assets
4.2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 4839 sector peers (2025).
NBB · sector comparisonPosition among 4839 sector peers
Solvency
better than 20%
← 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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
6 d late
2023
1 d early
2022
on the day
2021
3 d early
2020
31 d early
2019
1 d early
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€17.74M▲ 4.4%
2024 · €17.00M
2023: €18.45M
2024: €17.00M
2023 → 2025
EBIT margin
5.4%▲ 3.7pp
2024 · 1.7%
2023: 8.4%
2024: 1.7%
2023 → 2025
Net result
€421k▲ 2,746%
2024 · €15k
2018: €240k
2019: €266k
2020: €663k
2021: €853k
2022: €142k
2023: €999k
2024: €15k
2018 → 2025
Working capital
€2.08M▲ 4.6%
2024 · €1.99M
2018: €564k
2019: €476k
2020: €407k
2021: €1.02M
2022: €1.24M
2023: €1.31M
2024: €1.99M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€18.45M€17.00M▼ 7.9%€17.74M▲ 4.4%
Equity€1.48M-€1.62M▲ 9.6%€1.93M▲ 19.2%€1.77M▼ 8.5%€1.89M▲ 6.9%
Operating result€1.26M-€170k▼ 86.4%€1.55M▲ 807%€296k▼ 80.8%€957k▲ 223%
Net result€853k-€142k▼ 83.4%€999k▲ 604%€15k▼ 98.5%€421k▲ 2,746%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 223% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.03M
Fixed assets
€1.02M▼ 20.6%
Current assets
€9.01M▲ 8.2%
Equity and liabilities €10.03M
Equity
€1.89M▲ 6.9%
Debt
€8.14M▲ 3.8%
The debt ratio falls from 81.6% to 81.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.43M▲
2024 · €749k
Cash flow
€891k▲
2024 · €468k
Solvency
18.8%▲
2024 · 18.4%
Current ratio
1.30▼
2024 · 1.31
Quick ratio
0.59▲
2024 · 0.44
Debt / equity
4.31▼
2024 · 4.44
ROE
22.3%▲
2024 · 0.8%
ROA
4.2%▲
2024 · 0.2%
Interest coverage
5.56▲
2024 · 3.17
Debt
€8.14M▲
2024 · €7.85M
Debt ≤ 1 year
€6.93M▲
2024 · €6.34M
Debt > 1 year
€1.10M▼
2024 · €1.37M
Income taxes
€70k▲
2024 · €29k
Staff costs
€2.47M▲
2024 · €2.46M
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€9.61M€10.03M▲
Fixed assets21/28€1.29M€1.02M▼
Intangible fixed assets21€518k€437k▼
Tangible fixed assets22/27€767k€583k▼
Plant, machinery and equipment23€69k€79k▲
Furniture and vehicles24€663k€492k▼
Other tangible fixed assets26€0€12k▲
Assets under construction and advance payments27€35k€0▼
Financial fixed assets28€987€907▼
Other financial fixed assets284/8€987€907▼
Amounts receivable and cash guarantees285/8€987€907▼
Current assets29/58€8.33M€9.01M▲
Amounts receivable after more than one year29-€829k
Other amounts receivable291-€829k
Stocks and contracts in progress3€5.54M€4.92M▼
Stocks30/36€5.54M€4.92M▼
Goods purchased for resale34€4.53M€4.34M▼
Advance payments36€1.01M€578k▼
Amounts receivable within one year40/41€2.56M€2.63M▲
Trade receivables40€928k€797k▼
Other amounts receivable41€1.63M€1.83M▲
Cash at bank and in hand54/58€65k€551k▲
Deferred charges and accrued income490/1€161k€86k▼
Equity and liabilities
Total equity and liabilities10/49€9.61M€10.03M▲
Equity10/15€1.77M€1.89M▲
Contributions10/11€181k€181k=
Capital10€181k€181k=
Issued capital100€181k€181k=
Reserves13€1.57M€1.57M=
Non-distributable reserves130/1€18k€18k=
Legal reserve130€18k€18k=
Tax-exempt reserves132€194k€194k=
Distributable reserves133€1.36M€1.36M=
Profit (loss) carried forward14€15k€136k▲
Amounts payable17/49€7.85M€8.14M▲
Amounts payable after more than one year17€1.37M€1.10M▼
Financial debts170/4€1.37M€1.10M▼
Credit institutions173€624k€452k▼
Other loans174€750k€650k▼
Amounts payable within one year42/48€6.34M€6.93M▲
Current portion of amounts payable after more than one year42€339k€383k▲
Financial debts43€3.35M€3.95M▲
Credit institutions430/8€3.35M€3.95M▲
Trade debts44€1.60M€1.47M▼
Suppliers440/4€1.60M€1.47M▼
Advances received on contracts in progress46€809k€615k▼
Taxes, remuneration and social security45€234k€212k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€231k€210k▼
Other amounts payable47/48€2k€303k▲
Accrued charges and deferred income492/3€132k€108k▼
Income statement
Code20242025
Operating income70/76A€17.12M€17.85M▲
Turnover70€17.00M€17.74M▲
Own construction capitalised72€4k€0▼
Other operating income74€117k€110k▼
Operating charges60/66A€16.83M€16.89M▲
Goods for resale, raw materials and consumables60€6.05M€6.70M▲
Purchases600/8€7.06M€6.47M▼
Change in stocks: decrease (increase)609€-1.01M€230k▲
Services and other goods61€7.36M€6.93M▼
Remuneration, social security and pensions62€2.46M€2.47M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€453k€470k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-6k€-34k▼
Other operating charges640/8€278k€262k▼
Non-recurring operating charges66A€234k€101k▼
Operating profit (loss)9901€296k€957k▲
Financial income75/76B€99k€161k▲
Recurring financial income75€99k€161k▲
Income from financial fixed assets750€0-
Other financial income752/9€99k€161k▲
Financial charges65/66B€350k€627k▲
Recurring financial charges65€350k€627k▲
Debt charges650€236k€257k▲
Other financial charges652/9€115k€370k▲
Profit (loss) for the period before taxes9903€44k€491k▲
Income taxes67/77€29k€70k▲
Taxes670/3€29k€70k▲
Tax adjustments and reversals of tax provisions77€0-
Profit (loss) for the period9904€15k€421k▲
Transfer to tax-exempt reserves689€0-
Profit (loss) for the period to be appropriated9905€15k€421k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€436k▲
Profit (loss) brought forward from the previous period14P-€15k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€300k▲
Return on contributions (dividend)694€0-
Directors or managers695-€300k
Social balance
Average headcount (FTE)908735.334.8▼
The notes to these accounts (72 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 6 days late
2024
31-12
Financial
Weakest financial yearnet €15k ▼98.5%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €999k ▲604%
Operating result €1.55M, net result €999k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.48M ▲136%
4 profitable years in a row build equity to €1.48M.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €626k ▲35.2%
3 profitable years in a row build equity to €626k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Antwerpen · 1 establishment unit since 2016
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.
Schijnpoortweg 1212170 AntwerpenGround area
3,516 m²
Building footprint
1,763 m²
Volume, LiDAR
13,715 m³
Parcel 11422D0359/00F000, Flanders · tallest building 13.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Gommaire
since 20162.259.644.296
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422D0359/00F000 | Flanders | 3,516 m² | 1 · 1,763 m² | 13.5 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 7 entries · 47,726 EUR awarded · 35,226 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 0 EUR | 5,000 EUR |
| 2024 | 2 | 40,000 EUR | 22,500 EUR |
| 2023 | 1 | 2,726 EUR | 2,726 EUR |
| 2022 | 1 | 5,000 EUR | 5,000 EUR |
Schemes
Kmo-groeisubsidie: steun voor groeitrajecten bij kmo's (stopgezet)
Subsidies voor internationaal ondernemen
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Legal Entity Identifier
967600AFDERP9VUN3077
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Of 335 companies in sector 46471 we hold annual accounts for 189. 79 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-12-2014
Fiscal year end31-12
Activities, NACEBEL
46471Wholesale trade
47551Retail sale of household furniture
47591Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.