GYN-RW
ActiveThe computed 12-month bankruptcy probability of GYN-RW is 2.4% (moderate). The 2025 annual accounts show equity of €279k and a net result of €121k. Equity is growing by ~28% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94=
Solvency71▼-27
Growth78=
Track record94
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 2.82 in 2024; short-term debt: 53.3% and cash: 80% of total assets), but 54.4% of the assets are financed with debt.
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
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 · 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
45.6%
Return on assets
19.8%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
26 d late
2023
8 d early
2022
31 d late
2021
29 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€279k▼ 28.0%
2024 · €387k
2021: €101k
2022: €168k
2023: €279k
2024: €387k
2021 → 2025
Total assets
€611k▲ 14.8%
2024 · €532k
2021: €341k
2022: €413k
2023: €415k
2024: €532k
2021 → 2025
Net result
€121k▲ 11.7%
2024 · €108k
2021: €98k
2022: €67k
2023: €110k
2024: €108k
2021 → 2025
Working capital
€193k▼ 23.0%
2024 · €250k
2021: €-191k
2022: €-85k
2023: €89k
2024: €250k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€101k-€168k▲ 66.8%€279k▲ 65.7%€387k▲ 38.8%€279k▼ 28.0%
Operating result€138k-€98k▼ 29.2%€165k▲ 69.6%€148k▼ 10.8%€163k▲ 10.2%
Net result€98k-€67k▼ 31.2%€110k▲ 64.0%€108k▼ 2.0%€121k▲ 11.7%
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 10% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€93k▼ 35.9%
Current assets
€518k▲ 33.6%
Equity and liabilities €611k
Equity
€279k▼ 28.0%
Debt
€332k▲ 129%
The debt ratio rises from 27.3% to 54.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€217k▲
2024 · €202k
Cash flow
€175k▲
2024 · €163k
Solvency
45.6%▼
2024 · 72.7%
Current ratio
1.59▼
2024 · 2.82
Quick ratio
1.59▼
2024 · 2.82
Debt / equity
1.19▲
2024 · 0.37
ROE
43.4%▲
2024 · 28.0%
ROA
19.8%▼
2024 · 20.4%
Interest coverage
32.07▲
2024 · 26.20
Debt
€332k▲
2024 · €145k
Debt ≤ 1 year
€325k▲
2024 · €137k
Income taxes
€35k▲
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€532k€611k▲
Fixed assets21/28€144k€93k▼
Intangible fixed assets21€141k€91k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€388k€518k▲
Amounts receivable within one year40/41-€53
Other amounts receivable41-€53
Cash at bank and in hand54/58€335k€488k▲
Deferred charges and accrued income490/1€53k€30k▼
Equity and liabilities
Total equity and liabilities10/49€532k€611k▲
Equity10/15€387k€279k▼
Contributions10/11€3k€3k=
Reserves13€276k€276k=
Distributable reserves133€276k€276k=
Profit (loss) carried forward14€108k€0▼
Amounts payable17/49€145k€332k▲
Amounts payable within one year42/48€137k€325k▲
Trade debts44€211€141▼
Suppliers440/4€211€141▼
Taxes, remuneration and social security45€42k€4k▼
Taxes450/3€42k€4k▼
Other amounts payable47/48€95k€321k▲
Accrued charges and deferred income492/3€8k€7k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€54k▼
Other operating charges640/8€692€1k▲
Gross operating margin9900€203k€218k▲
Operating profit (loss)9901€148k€163k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€140k€156k▲
Income taxes67/77€32k€35k▲
Profit (loss) for the period9904€108k€121k▲
Profit (loss) for the period to be appropriated9905€108k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€229k▲
Profit (loss) brought forward from the previous period14P-€108k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7-€229k
Return on contributions (dividend)694-€229k
The notes to these accounts (15 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €121k ▲11.7%
Net result €121k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 1.70
Current ratio from 0.65 to 1.70; short-term debt falls from €245k to €127k.
31-12
Financial
Equity above €200kEq €279k ▲65.7%
3 profitable years in a row build equity to €279k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €67k ▼31.2%
Net result drops to €67k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €168k ▲66.8%
2 profitable years in a row build equity to €168k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Liège · 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.
Rue de Campine 4114000 LiègeGround area
299 m²
Building footprint
65 m²
Parcel 62818E0364/00F004, Wallonia. Linked by address, not a title deed.
1 establishment unit
GYN-RW
since 20212.323.824.644
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62818E0364/00F004 | Wallonia | 299 m² | 1 · 65 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.