GSC
ActiveGSC has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €915k and a net result of €43k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 72% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+1
Solvency85▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity short (current ratio 0.21 against 0.17 in 2024; short-term debt: 18% and cash: 0.1% of total assets), and 40.1% of the assets are financed with debt.
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
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 · 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 →
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
59.9%
Return on assets
2.8%
Age of the figures
9 mo
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
35 d early
2023
33 d early
2022
39 d early
2021
40 d early
2020
25 d early
2019
15 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€915k▲ 5.0%
2024 · €872k
2018: €519k
2019: €581k
2020: €668k
2021: €800k
2022: €848k
2023: €850k
2024: €872k
2018 → 2025
Total assets
€1.53M=
2024 · €1.53M
2018: €1.35M
2019: €1.43M
2020: €1.61M
2021: €1.54M
2022: €1.52M
2023: €1.43M
2024: €1.53M
2018 → 2025
Net result
€43k▲ 101%
2024 · €22k
2018: €115k
2019: €62k
2020: €86k
2021: €133k
2022: €48k
2023: €2k
2024: €22k
2018 → 2025
Working capital
€-217k▲ 21.0%
2024 · €-274k
2018: €461k
2019: €-16k
2020: €-77k
2021: €-170k
2022: €-150k
2023: €-200k
2024: €-274k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€800k-€848k▲ 6.0%€850k▲ 0.2%€872k▲ 2.5%€915k▲ 5.0%
Operating result€190k-€74k▼ 61.2%€32k▼ 57.2%€121k▲ 285%€92k▼ 24.5%
Net result€133k-€48k▼ 63.9%€2k▼ 96.0%€22k▲ 1,017%€43k▲ 101%
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 falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€1.47M▼ 0.2%
Current assets
€59k▲ 5.8%
Equity and liabilities €1.53M
Equity
€915k▲ 5.0%
Debt
€614k▼ 6.6%
The debt ratio falls from 43.0% to 40.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€198k▼
2024 · €229k
Cash flow
€150k▲
2024 · €130k
Solvency
59.9%▲
2024 · 57.0%
Current ratio
0.21▲
2024 · 0.17
Quick ratio
0.20▲
2024 · 0.16
Debt / equity
0.67▼
2024 · 0.75
ROE
4.7%▲
2024 · 2.5%
ROA
2.8%▲
2024 · 1.4%
Interest coverage
14.60▲
2024 · 13.65
Debt
€614k▼
2024 · €657k
Debt ≤ 1 year
€276k▼
2024 · €330k
Debt > 1 year
€337k▲
2024 · €325k
Income taxes
€40k▼
2024 · €87k
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€1.53M€1.53M=
Fixed assets21/28€1.47M€1.47M▼
Tangible fixed assets22/27€719k€659k▼
Land and buildings22€544k€555k▲
Plant, machinery and equipment23€22k€13k▼
Furniture and vehicles24€153k€90k▼
Financial fixed assets28€754k€811k▲
Current assets29/58€56k€59k▲
Stocks and contracts in progress3€4k€4k▼
Stocks30/36€4k€4k▼
Amounts receivable within one year40/41€35k€46k▲
Trade receivables40€5k€15k▲
Other amounts receivable41€30k€30k▲
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€1.53M€1.53M=
Equity10/15€872k€915k▲
Contributions10/11€19k€19k=
Reserves13€721k€764k▲
Tax-exempt reserves132€16k€16k=
Distributable reserves133€705k€748k▲
Profit (loss) carried forward14€133k€133k=
Amounts payable17/49€657k€614k▼
Amounts payable after more than one year17€325k€337k▲
Financial debts170/4€325k€337k▲
Amounts payable within one year42/48€330k€276k▼
Current portion of amounts payable after more than one year42€218k€164k▼
Trade debts44€13k€27k▲
Suppliers440/4€13k€27k▲
Taxes, remuneration and social security45€36k€58k▲
Taxes450/3€33k€54k▲
Remuneration and social security454/9€2k€4k▲
Other amounts payable47/48€64k€27k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€108k€107k▼
Other operating charges640/8€767€790▲
Gross operating margin9900€230k€199k▼
Operating profit (loss)9901€121k€92k▼
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€17k€14k▼
Recurring financial charges65€17k€14k▼
Profit (loss) for the period before taxes9903€109k€84k▼
Income taxes67/77€87k€40k▼
Profit (loss) for the period9904€22k€43k▲
Profit (loss) for the period to be appropriated9905€22k€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€154k€176k▲
Profit (loss) brought forward from the previous period14P€133k€133k=
Transfer to equity691/2€22k€43k▲
To the legal reserve6920€22k€43k▲
The notes to these accounts (11 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €2k ▼96%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €133k ▲53.5%
Net result €133k, the highest in the series.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Geel · 1 establishment unit since 1999
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.
St.-Dimpnaplein 142440 GeelGround area
146 m²
Parcel 13008H0657/00E000, Flanders. Linked by address, not a title deed.
1 establishment unit
GSC BV
since 19992.090.166.193
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H0657/00E000 | Flanders | 146 m² | - | - |
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
AUTOBEDRIJF P. BELLENS
BE 0417.950.135
Nijlen · Eq €915k
GARAGE CASSELMAN
BE 0878.844.348
Middelkerke · Eq €916k
Garage VAN HEES
BE 0426.872.947
Ravels · Eq €916k
GARAGE MALHERBE et FILS
BE 0428.743.364
Huy · Eq €916k
HVS MOTORS
BE 0473.574.883
Huldenberg · Eq €917k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-1999
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
50103
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
50200
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.