GTO Tailor Made

Active

Private limited companyfounded 20233 yrs activeGrand'rue 216, 6000 Charleroi, BelgiumKBO/BCE: BE 0797.653.368

The computed 12-month bankruptcy probability of GTO Tailor Made is 2.0% (moderate). The 2025 annual accounts show equity of €105k and a net result of €42k. Equity is growing by ~52.1% per year across the filed fiscal years. Its solvency ranks better than 52% of 10345 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

60 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability76▲+2

Solvency64▲+14

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days acceptable

Liquidity short (current ratio 0.61 against 0.4 in 2024; short-term debt: 24% and cash: 4.9% of total assets), and 61.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

38.8%

Return on assets

15.4%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 3 filings

Deviation from the deadline

2025

31 d late

2024

25 d late

2023

29 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, abbreviated schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€42k▲ 72.6%

2024 · €24k

2023: €29k 2024: €24k

2023 → 2025

Working capital

€-25k▲ 34.8%

2024 · €-39k

2023: €-36k 2024: €-39k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€39k-€63k▲ 61.9%€105k▲ 66.0%

Operating result€49k-€48k▼ 2.0%€62k▲ 30.2%

Net result€29k-€24k▼ 16.7%€42k▲ 72.6%

Result per fiscal year

Operating resultNet result

The operating result recovers in 2025; 2025 is 30% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €270k

85.3%

14.7%

Fixed assets €230k=

Current assets €40k▲ 54.0%

Equity and liabilities €270k

38.8%

61.2%

Equity €105k▲ 66.0%

Debt €165k▼ 14.3%

The debt ratio falls from 75.4% to 61.2%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

Solvency

38.8%▲

2024 · 24.6%

Current ratio

0.61▲

2024 · 0.40

Quick ratio

0.61▲

2024 · 0.40

Debt / equity

1.58▼

2024 · 3.06

ROE

39.8%▲

2024 · 38.2%

ROA

15.4%▲

2024 · 9.4%

Debt

€165k▼

2024 · €193k

Debt ≤ 1 year

€65k▲

2024 · €64k

Debt > 1 year

€100k▼

2024 · €129k

Income taxes

€20k▲

2024 · €15k

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€256k€270k▲

Fixed assets21/28€230k€230k=

Financial fixed assets28€230k€230k=

Current assets29/58€26k€40k▲

Amounts receivable within one year40/41€17k€25k▲

Trade receivables40€12k€2k▼

Other amounts receivable41€5k€23k▲

Cash at bank and in hand54/58€7k€13k▲

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€256k€270k▲

Equity10/15€63k€105k▲

Contributions10/11€10k€10k=

Reserves13€53k€95k▲

Distributable reserves133€53k€95k▲

Amounts payable17/49€193k€165k▼

Amounts payable after more than one year17€129k€100k▼

Financial debts170/4€129k€100k▼

Amounts payable within one year42/48€64k€65k▲

Current portion of amounts payable after more than one year42€27k€28k▲

Financial debts43€4k€4k=

Other loans439€4k€4k=

Trade debts44€2k€4k▲

Suppliers440/4€2k€4k▲

Taxes, remuneration and social security45€32k€29k▼

Taxes450/3€32k€26k▼

Remuneration and social security454/9-€3k

Other amounts payable47/48€17€17=

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81-

Other operating charges640/8€1k€696▼

Gross operating margin9900€49k€63k▲

Operating profit (loss)9901€48k€62k▲

Financial income75/76B€0€7k▲

Recurring financial income75€0€7k▲

Financial charges65/66B€9k€8k▼

Recurring financial charges65€9k€8k▼

Profit (loss) for the period before taxes9903€39k€61k▲

Income taxes67/77€15k€20k▲

Profit (loss) for the period9904€24k€42k▲

Profit (loss) for the period to be appropriated9905€24k€42k▲

Appropriation of the result

Profit (loss) to be appropriated9906€24k€42k▲

Transfer to equity691/2€24k€42k▲

To other reserves6921€24k€42k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema · 31 days late

2025

31-12

Financial Highest result since 2023net €42k ▲72.6%

Operating result €62k, net result €42k, both a record.

31-12

Financial Equity above €100kEq €105k ▲66%

3 profitable years in a row build equity to €105k.

25-08

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 25 days late

2024

31-12

Financial Weakest financial yearnet €24k ▼16.7%

Net result drops to €24k, the lowest in the series; recovery starts the following year.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 29 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Charleroi · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Grand'rue 2166000 Charleroi

Ground area

1,318 m²

Building footprint

89 m²

Volume, LiDAR

1,084 m³

Parcel 52302A0969/00X004, Wallonia · tallest building 13.8 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

GTO Tailor Made

Grand'rue 216, 6000 CharleroiRetail trade

since 20232.341.500.024

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
52302A0969/00X004	Wallonia	1,318 m²	1 · 88 m²	13.8 m · 4 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

Of 1,070 companies in sector 47741 we hold annual accounts for 644. 489 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-01-2023

Fiscal year end31-12

Activities, NACEBEL

47740Retail trade

47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.