GRICI
ActiveGRICI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €501k and a net result of €60k. Equity is growing by ~25.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 5495 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
106 d late
2022
31 d late
2021
122 d late
2020
90 d late
2019
91 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€501k▲ 13.6%
2024 · €441k
2018: €113k
2019: €137k
2020: €113k
2021: €184k
2022: €271k
2023: €368k
2024: €441k
2018 → 2025
Net result
€60k▼ 18.0%
2024 · €73k
2018: €10k
2019: €24k
2020: €-24k
2021: €70k
2022: €87k
2023: €131k
2024: €73k
2018 → 2025
Total assets
€896k▲ 3.0%
2024 · €870k
2018: €870k
2019: €866k
2020: €806k
2021: €833k
2022: €828k
2023: €862k
2024: €870k
2018 → 2025
Solvency
55.9%▲ 5.2pp
2024 · 50.7%
2018: 13.0%
2019: 15.9%
2020: 14.1%
2021: 22.0%
2022: 32.7%
2023: 42.6%
2024: 50.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€271k▲ 47.5%€368k▲ 35.7%€441k▲ 20.0%€501k▲ 13.6%
Operating result€113k-€100k▼ 11.3%€206k▲ 106%€113k▼ 45.2%€94k▼ 16.2%
Net result€70k-€87k▲ 23.9%€131k▲ 50.8%€73k▼ 44.2%€60k▼ 18.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €896k
Fixed assets
€524k▼ 6.2%
Current assets
€372k▲ 19.4%
Equity and liabilities €896k
Equity
€501k▲ 13.6%
Debt
€395k▼ 7.9%
The debt ratio falls from 49.3% to 44.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
55.9%▲
2024 · 50.7%
ROE
12.0%▼
2024 · 16.6%
ROA
6.7%▼
2024 · 8.4%
Debt
€395k▼
2024 · €429k
Debt ≤ 1 year
€238k▼
2024 · €261k
Debt > 1 year
€156k▼
2024 · €168k
Income taxes
€30k▼
2024 · €32k
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€870k€896k▲
Fixed assets21/28€558k€524k▼
Tangible fixed assets22/27€558k€524k▼
Land and buildings22€546k€515k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€5k€3k▼
Current assets29/58€312k€372k▲
Amounts receivable within one year40/41€298k€351k▲
Trade receivables40€40k€41k▲
Other amounts receivable41€258k€310k▲
Cash at bank and in hand54/58€11k€19k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€870k€896k▲
Equity10/15€441k€501k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€341k€401k▲
Non-distributable reserves130/1€10k€10k▼
Legal reserve130€10k€10k▼
Distributable reserves133€331k€391k▲
Amounts payable17/49€429k€395k▼
Amounts payable after more than one year17€168k€156k▼
Financial debts170/4€168k€156k▼
Amounts payable within one year42/48€261k€238k▼
Current portion of amounts payable after more than one year42€24k€55k▲
Financial debts43€75k€87k▲
Credit institutions430/8€75k€87k▲
Trade debts44€16k€5k▼
Suppliers440/4€16k€5k▼
Taxes, remuneration and social security45€114k€48k▼
Taxes450/3€114k€48k▼
Other amounts payable47/48€32k€43k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€36k▼
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€152k€136k▼
Operating profit (loss)9901€113k€94k▼
Financial income75/76B€0€15k▲
Recurring financial income75€0€15k▲
Financial charges65/66B€8k€20k▲
Recurring financial charges65€8k€20k▲
Profit (loss) for the period before taxes9903€105k€90k▼
Income taxes67/77€32k€30k▼
Profit (loss) for the period9904€73k€60k▼
Profit (loss) for the period to be appropriated9905€73k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€73k€60k▼
Transfer to equity691/2€73k€60k▼
To other reserves6921€73k€60k▼
The notes to these accounts (10 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Equity above €500kEq €501k ▲13.6%
5 profitable years in a row build equity to €501k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
31-12
Financial
Highest result since 2018net €131k ▲50.8%
Operating result €206k, net result €131k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €200kEq €271k ▲47.5%
2 profitable years in a row build equity to €271k.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
31-12
Financial
Equity above €150kEq €184k ▲62.1%
Equity rises from €113k to €184k.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 90 days late
2020
31-12
Financial
Weakest financial yearnet €-24k ▼200%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Beveren-Kruibeke-Zwijndrecht
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.
Lindenstraat 1882070 Beveren-Kruibeke-ZwijndrechtGround area
623 m²
Building footprint
125 m²
Volume, LiDAR
647 m³
Parcel 11056B0607/00S000, Flanders · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11056B0607/00S000 | Flanders | 623 m² | 1 · 125 m² | 14.6 m · 2 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,563 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-10-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.