Grégory BINON
ActiveSummary
Grégory BINON has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €48k and a net result of €3k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability52▼-48
Solvency68▼-32
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.63 against 7.16 in 2023; short-term debt: 26.9% and cash: 11.8% of total assets), but 57% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
43%
Return on assets
3.1%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-10-2025, 87 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
87 d late
2023
92 d late
2021
88 d late
2020
40 d late
2019
91 d late
2018
23 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€48k▲ 7.7%
2023 · €44k
2018: €6klowest value
2019: €27k▲ +373% vs 2018
2020: €28k▲ +3.7% vs 2019
2021: €26k▼ -5.2% vs 2020
2023: €44k
2024: €48k▲ +7.7% vs 2023highest value
2018 → 2024
Total assets
€111k▲ 107%
2023 · €54k
2018: €82k
2019: €90k▲ +8.8% vs 2018
2020: €67k▼ -25.3% vs 2019
2021: €43k▼ -35.3% vs 2020lowest value
2023: €54k
2024: €111k▲ +107% vs 2023highest value
2018 → 2024
Net result
€3k▼ 84.5%
2023 · €22k
2018: €-267
2019: €21k▲ +8020% vs 2018
2020: €9k▼ -58.2% vs 2019
2021: €-1k▼ -116% vs 2020lowest value
2023: €22khighest value
2024: €3k▼ -84.5% vs 2023
2018 → 2024
Working capital
€19k▼ 50.8%
2023 · €38k
2018: €20k
2019: €24k▲ +22.6% vs 2018
2020: €18k▼ -25.4% vs 2019lowest value
2021: €19k▲ +3.4% vs 2020
2023: €38khighest value
2024: €19k▼ -50.8% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120232024Trend
Equity€27k-€28k▲ 3.7%€26k▼ 5.2%€44k▲ 68.0%€48k▲ 7.7%
2019: €27k
2020: €28k▲ +3.7% vs 2019
2021: €26k▼ -5.2% vs 2020lowest value
2023: €44k
2024: €48k▲ +7.7% vs 2023highest value
Operating result€21k-€8k▼ 62.8%€-2k€26k€11k▼ 59.3%
2019: €21k
2020: €8k▼ -62.8% vs 2019
2021: €-2k▼ -127% vs 2020lowest value
2023: €26khighest value
2024: €11k▼ -59.3% vs 2023
Net result€21k-€9k▼ 58.2%€-1k€22k€3k▼ 84.5%
2019: €21k
2020: €9k▼ -58.2% vs 2019
2021: €-1k▼ -116% vs 2020lowest value
2023: €22khighest value
2024: €3k▼ -84.5% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 59% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €111k
Fixed assets
€62k ▲ 590%
Current assets
€49k ▲ 9.2%
Equity and liabilities €111k
Equity
€48k ▲ 7.7%
Debt
€63k ▲ 580%
Debt's share of the balance-sheet total rises from 17.4% to 57.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€15k▼
2023 · €31k
Cash flow
€8k▼
2023 · €27k
Current ratio
1.63▼
2023 · 7.16
Quick ratio
1.31▼
2023 · 7.16
Debt to equity
1.33▲
2023 · 0.21
ROE
7.1%▼
2023 · 49.4%
ROA
3.1%▼
2023 · 40.9%
Interest coverage
3.59▼
2023 · 29.02
Debt ≤ 1 year
€30k▲
2023 · €6k
Debt > 1 year
€33k▲
2023 · €3k
Income taxes
€4k▲
2023 · €3k
Staff costs
€41k▲
2023 · €6k
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 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€54k€111k▲
Fixed assets21/28€9k€62k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€9k€62k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€7k€61k▲
Current assets29/58€45k€49k▲
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€44k€24k▼
Trade receivables40€33k-
Other amounts receivable41€11k€24k▲
Cash at bank and in hand54/58€467€13k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€54k€111k▲
Equity10/15€44k€48k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€24k€27k▲
Amounts payable17/49€9k€63k▲
Amounts payable after more than one year17€3k€33k▲
Financial debts170/4€3k€33k▲
Amounts payable within one year42/48€6k€30k▲
Current portion of amounts payable after more than one year42€2k€10k▲
Trade debts44-€9k
Suppliers440/4-€9k
Taxes, remuneration and social security45€4k€9k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€363€2k▲
Other amounts payable47/48-€2k
Income statement
Code20232024
Remuneration, social security and pensions62€6k€41k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€893€5k▲
Non-recurring operating charges66A€780-
Gross operating margin9900€38k€62k▲
Operating profit (loss)9901€26k€11k▼
Financial income75/76B€20€567▲
Recurring financial income75€20€567▲
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€25k€7k▼
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€22k€3k▼
Profit (loss) for the period to be appropriated9905€22k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€27k▲
Profit (loss) brought forward from the previous period14P€2k€24k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €59k | €6k | €41k | ▲ 646% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €9k | €10k | €4k | €5k | €5k | ▼ 11.2% |
| Other operating charges640/8 | - | - | €490 | €893 | €5k | ▲ 487% |
| Non-recurring operating charges66A | - | - | - | €780 | - | - |
| Gross operating margin9900 | €77k | €54k | €61k | €38k | €62k | ▲ 60.4% |
| Operating profit (loss)9901 | €21k | €8k | €-2k | €26k | €11k | ▼ 59.3% |
| Financial income75/76B | - | - | €2k | €20 | €567 | ▲ 2,801% |
| Recurring financial income75 | €2k | €2k | €2k | €20 | €567 | ▲ 2,801% |
| Financial charges65/66B | - | - | €1k | €1k | €4k | ▲ 294% |
| Recurring financial charges65 | €2k | €1k | €1k | €1k | €4k | ▲ 294% |
| Profit (loss) for the period before taxes9903 | €21k | €9k | €-1k | €25k | €7k | ▼ 72.2% |
| Income taxes67/77 | - | - | - | €3k | €4k | ▲ 13.0% |
| Profit (loss) for the period9904 | €21k | €9k | €-1k | €22k | €3k | ▼ 84.5% |
| Profit (loss) for the period to be appropriated9905 | €21k | €9k | €-1k | €22k | €3k | ▼ 84.5% |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €90k | €67k | €43k | €54k | €111k | ▲ 107% |
| Fixed assets21/28 | €15k | €13k | €10k | €9k | €62k | ▲ 590% |
| Intangible fixed assets21 | €555 | - | €0 | €0 | - | - |
| Tangible fixed assets22/27 | €14k | €13k | €9k | €9k | €62k | ▲ 590% |
| Plant, machinery and equipment23 | - | - | €3k | €2k | €1k | ▼ 45.4% |
| Furniture and vehicles24 | - | - | €7k | €7k | €61k | ▲ 793% |
| Financial fixed assets28 | €600 | €600 | €600 | - | - | - |
| Current assets29/58 | €75k | €54k | €33k | €45k | €49k | ▲ 9.2% |
| Stocks and contracts in progress3 | €11k | €8k | €9k | - | €10k | - |
| Stocks30/36 | - | - | - | - | €10k | - |
| Contracts in progress37 | - | - | €9k | - | - | - |
| Amounts receivable within one year40/41 | €25k | €41k | €22k | €44k | €24k | ▼ 46.3% |
| Trade receivables40 | - | - | €20k | €33k | - | - |
| Other amounts receivable41 | - | - | €2k | €11k | €24k | ▲ 114% |
| Cash at bank and in hand54/58 | €37k | - | €1k | €467 | €13k | ▲ 2,715% |
| Deferred charges and accrued income490/1 | - | - | €405 | - | €2k | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €90k | €67k | €43k | €54k | €111k | ▲ 107% |
| Equity10/15 | €27k | €28k | €26k | €44k | €48k | ▲ 7.7% |
| Contributions10/11 | €19k | - | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | - | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | - | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €6k | €7k | €6k | €24k | €27k | ▲ 14.3% |
| Amounts payable17/49 | €63k | €39k | €17k | €9k | €63k | ▲ 580% |
| Amounts payable after more than one year17 | €12k | €3k | €2k | €3k | €33k | ▲ 987% |
| Financial debts170/4 | - | - | €2k | €3k | €33k | ▲ 987% |
| Amounts payable within one year42/48 | €51k | €36k | €15k | €6k | €30k | ▲ 379% |
| Current portion of amounts payable after more than one year42 | - | - | €945 | €2k | €10k | ▲ 356% |
| Trade debts44 | €23k | €8k | €11k | - | €9k | - |
| Suppliers440/4 | - | - | €11k | - | €9k | - |
| Taxes, remuneration and social security45 | - | - | €2k | €4k | €9k | ▲ 122% |
| Taxes450/3 | - | - | €1k | €4k | €7k | ▲ 97.7% |
| Remuneration and social security454/9 | - | - | €915 | €363 | €2k | ▲ 372% |
| Other amounts payable47/48 | - | - | - | - | €2k | - |
| Line | 2019 | 2020 | 2021 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €21k | €9k | €-1k | €22k | €3k | ▼ 84.5% |
| + Depreciation and write-downs630 | €9k | €10k | €4k | €5k | €5k | ▼ 11.2% |
| Operating cash flow (approximation) | €31k | €19k | €2k | €27k | €8k | ▼ 70.4% |
| Investment in fixed assets (approximation) | - | €-9k | €-858 | - | €-58k | - |
| Change in cash | - | - | - | - | €13k | - |
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
2025
26-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 87 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 7.16
Current ratio from 2.28 to 7.16; short-term debt falls from €15k to €6k.
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 88 days late
2021
31-12
Financial
Weakest financial yearnet €-1k
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 40 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
2015
31-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Gesves · 1 establishment unit since 2011
Ground area
4,596 m²
Building footprint
169 m²
2 parcels, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Grégory BINON
since 20112.204.100.910
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92054D0255/00X002 | Wallonia | 4,527 m² | 1 · 98 m² | - |
| 92054D0255/00Z002 | Wallonia | 68 m² | 1 · 70 m² | - |
Linked by address, not proof of ownership
Good to know
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 8,566 companies in sector 43410 we hold annual accounts for 4,363. 3,663 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded23-08-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43410Roofing work
43421Specialised construction activities
Scores and ratios are computed by Checked and are not a credit decision.