Gyné.A.L.
ActiveGyné.A.L. has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €359k and a net result of €112k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 46% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability65=
Solvency83▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 1.99 against 15.39 in 2024; short-term debt: 40.9% and cash: 18.4% of total assets), and 41.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
58.4%
Return on assets
18.3%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-04-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
6 d late
2023
on the day
2022
3 d early
2021
30 d early
2020
on the day
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€359k▼ 24.5%
2024 · €475k
2018: €97k
2019: €96k
2020: €135k
2021: €185k
2022: €316k
2023: €409k
2024: €475k
2018 → 2025
Total assets
€614k▲ 22.6%
2024 · €501k
2018: €263k
2019: €270k
2020: €240k
2021: €213k
2022: €369k
2023: €419k
2024: €501k
2018 → 2025
Net result
€112k▲ 32.8%
2024 · €85k
2018: €-2k
2019: €-723
2020: €39k
2021: €59k
2022: €131k
2023: €93k
2024: €85k
2018 → 2025
Working capital
€249k▼ 30.6%
2024 · €359k
2018: €6k
2019: €-5k
2020: €32k
2021: €71k
2022: €196k
2023: €290k
2024: €359k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€316k▲ 70.6%€409k▲ 29.3%€475k▲ 16.3%€359k▼ 24.5%
Operating result€211k-€259k▲ 22.5%€199k▼ 23.2%€169k▼ 15.0%€232k▲ 36.9%
Net result€59k-€131k▲ 121%€93k▼ 29.1%€85k▼ 8.8%€112k▲ 32.8%
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 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €614k
Fixed assets
€114k▼ 2.8%
Current assets
€501k▲ 30.4%
Equity and liabilities €614k
Equity
€359k▼ 24.5%
Debt
€256k▲ 893%
The debt ratio rises from 5.1% to 41.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€242k▲
2024 · €181k
Cash flow
€123k▲
2024 · €96k
Solvency
58.4%▼
2024 · 94.9%
Current ratio
1.99▼
2024 · 15.39
Quick ratio
1.99▼
2024 · 15.39
Debt / equity
0.71▲
2024 · 0.05
ROE
31.3%▲
2024 · 17.8%
ROA
18.3%▲
2024 · 16.9%
Interest coverage
2.82▼
2024 · 3.05
Debt
€256k▲
2024 · €26k
Debt ≤ 1 year
€251k▲
2024 · €25k
Income taxes
€48k▲
2024 · €36k
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€501k€614k▲
Fixed assets21/28€117k€114k▼
Tangible fixed assets22/27€117k€114k▼
Land and buildings22€98k€93k▼
Plant, machinery and equipment23€256€0▼
Furniture and vehicles24€12k€7k▼
Other tangible fixed assets26€7k€14k▲
Current assets29/58€384k€501k▲
Amounts receivable within one year40/41€303k€334k▲
Trade receivables40€49k€72k▲
Other amounts receivable41€254k€262k▲
Current investments50/53-€49k
Cash at bank and in hand54/58€77k€113k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€501k€614k▲
Equity10/15€475k€359k▼
Contributions10/11€19k€19k=
Reserves13€457k€340k▼
Distributable reserves133€457k€340k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€26k€256k▲
Amounts payable within one year42/48€25k€251k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€2k€19k▲
Taxes450/3€2k€19k▲
Other amounts payable47/48€18k€229k▲
Accrued charges and deferred income492/3€800€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€185k€244k▲
Operating profit (loss)9901€169k€232k▲
Financial income75/76B€10k€15k▲
Recurring financial income75€10k€15k▲
Financial charges65/66B€59k€86k▲
Recurring financial charges65€59k€86k▲
Profit (loss) for the period before taxes9903€120k€160k▲
Income taxes67/77€36k€48k▲
Profit (loss) for the period9904€85k€112k▲
Profit (loss) for the period to be appropriated9905€85k€112k▲
Appropriation of the result
Profit (loss) to be appropriated9906€85k€112k▲
Transfer from equity791/2€18k€229k▲
Transfer to equity691/2€85k€112k▲
To other reserves6921€85k€112k▲
Profit to be distributed694/7€18k€229k▲
Return on contributions (dividend)694€18k€229k▲
The notes to these accounts (9 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
13-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity times 11current ratio 53.57
Current ratio from 4.72 to 53.57; short-term debt falls from €53k to €6k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €131k ▲121%
Operating result €259k, net result €131k, both a record.
30-09
Financial
Equity above €200kEq €316k ▲70.6%
3 profitable years in a row build equity to €316k.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity triplescurrent ratio 3.56
Current ratio from 1.34 to 3.56; short-term debt falls from €96k to €28k.
30-09
Financial
Equity above €150kEq €185k ▲37.4%
2 profitable years in a row build equity to €185k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €39k
Net result €39k after 2 loss-making years.
30-09
Financial
Equity above €100kEq €135k ▲40.4%
Equity rises from €96k to €135k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Herve · 1 establishment unit since 2008
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.
Lescours 84653 Herve1 establishment unit
Gyné.A.L
since 20082.248.661.027
Recognitions · licences · registrations
Legal Entity Identifier
549300Y83JGZQBQXTO21
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Of 16,628 companies in sector 86220 we hold annual accounts for 7,974. 6,614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2008
Fiscal year end30-09
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filings
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.