GYALO
ActiveGYALO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116k and a net result of €30k. Equity is growing by ~12.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 9438 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+25
Solvency80▼-18
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 3.81 in 2024; short-term debt: 43.3% and cash: 90.4% of total assets), and 44.5% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
55.5%
Return on assets
14.5%
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 26-03-2026, 127 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
127 d early
2024
77 d early
2023
21 d late
2022
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€107k
EBIT margin
42.9%
Net result
€30k▲ 64.2%
2024 · €18k
2022: €83k
2023: €31k
2024: €18k
2022 → 2025
Working capital
€108k▼ 20.7%
2024 · €136k
2022: €85k
2023: €117k
2024: €136k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€107k
Equity€84k-€116k▲ 37.3%€134k▲ 15.9%€116k▼ 13.7%
Operating result€119k-€46k▼ 61.5%€27k▼ 41.3%€42k▲ 55.6%
Net result€83k-€31k▼ 62.2%€18k▼ 41.6%€30k▲ 64.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 56% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €209k
Fixed assets
€10k
Current assets
€198k
Equity and liabilities €209k
Equity
€116k▼ 13.7%
Debt
€93k▲ 83.2%
The debt ratio rises from 27.4% to 44.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k
Cash flow
€33k
Solvency
55.5%▼
2024 · 72.6%
Current ratio
2.20▼
2024 · 3.81
Quick ratio
2.20▼
2024 · 3.81
Debt / equity
0.80▲
2024 · 0.38
ROE
26.1%▲
2024 · 13.7%
ROA
14.5%▲
2024 · 9.9%
Interest coverage
16.30
Debt
€93k▲
2024 · €51k
Debt ≤ 1 year
€90k▲
2024 · €48k
Income taxes
€9k▲
2024 · €6k
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€185k€209k▲
Fixed assets21/28-€10k
Tangible fixed assets22/27-€10k
Furniture and vehicles24-€10k
Current assets29/58€185k€198k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€4k€720▼
Other amounts receivable41€0€9k▲
Cash at bank and in hand54/58€180k€188k▲
Deferred charges and accrued income490/1€710€639▼
Equity and liabilities
Total equity and liabilities10/49€185k€209k▲
Equity10/15€134k€116k▼
Contributions10/11€1k€1k=
Reserves13€133k€115k▼
Distributable reserves133€133k€115k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€51k€93k▲
Amounts payable within one year42/48€48k€90k▲
Trade debts44€6k€147▼
Suppliers440/4€6k€147▼
Taxes, remuneration and social security45€10k€3k▼
Taxes450/3€10k€3k▼
Other amounts payable47/48€33k€87k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€3k
Other operating charges640/8€985€2k▲
Gross operating margin9900€28k€47k▲
Operating profit (loss)9901€27k€42k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€24k€39k▲
Income taxes67/77€6k€9k▲
Profit (loss) for the period9904€18k€30k▲
Profit (loss) for the period to be appropriated9905€18k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€30k▲
Transfer from equity791/2-€18k
Transfer to equity691/2€18k€0▼
To other reserves6921€18k€0▼
Profit to be distributed694/7-€49k
Return on contributions (dividend)694-€49k
The notes to these accounts (5 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €18k ▼41.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Equity above €100kEq €116k ▲37.3%
2 profitable years in a row build equity to €116k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 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, Antwerpen · 1 establishment unit since 2021
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.
Oosterveldlaan 2222610 AntwerpenGround area
330 m²
Building footprint
101 m²
Volume, LiDAR
935 m³
Parcel 11051C0243/00Z002, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GYALO
since 20212.325.839.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11051C0243/00Z002 | Flanders | 330 m² | 1 · 101 m² | 10.9 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.
Similar companies · same sector, comparable size
be SFO
BE 0563.346.997
Florennes · Eq €116k
BE MOSAN
BE 0671.957.996
Blégny · Eq €116k
WALRAVENS D.
BE 1014.077.194
Zwalm · Eq €116k
Nelson Van de Velde Management Consultancy
BE 0804.154.843
Sint-Lambrechts-Woluwe · Eq €116k
GÉO-EXPERT EXPLOITATION
BE 1019.112.583
Bastogne · Eq €116k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,561. 5,253 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2021
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.