MODE ET GESTION
ActiveMODE ET GESTION has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €3k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 77.49; short-term debt: 0.7% and cash: 48.4% of total assets), and 0.7% 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 · 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
99.3%
Return on assets
1.4%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
20 d early
2023
14 d early
2022
13 d early
2021
23 d late
2020
31 d late
2019
7 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▲ 1.4%
2024 · €211k
2018: €203k
2019: €203k
2020: €203k
2021: €202k
2022: €209k
2023: €209k
2024: €211k
2018 → 2025
Total assets
€216k▲ 1.9%
2024 · €212k
2018: €204k
2019: €206k
2020: €205k
2021: €205k
2022: €212k
2023: €210k
2024: €212k
2018 → 2025
Net result
€3k▲ 37.3%
2024 · €2k
2018: €-9k
2019: €67
2020: €489
2021: €-774
2022: €7k
2023: €369
2024: €2k
2018 → 2025
Working capital
€118k▲ 10.4%
2024 · €107k
2018: €60k
2019: €74k
2020: €88k
2021: €99k
2022: €90k
2023: €95k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€202k-€209k▲ 3.2%€209k▲ 0.2%€211k▲ 1.0%€214k▲ 1.4%
Operating result€360-€8k▲ 2,058%€1k▼ 83.0%€2k▲ 57.7%€3k▲ 37.9%
Net result€-774-€7k€369▼ 94.4%€2k▲ 491%€3k▲ 37.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€96k▼ 7.8%
Current assets
€120k▲ 11.2%
Equity and liabilities €216k
Equity
€214k▲ 1.4%
Debt
€2k▲ 177%
The debt ratio rises from 0.3% to 0.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €12k
Cash flow
€13k▲
2024 · €12k
Solvency
99.3%▼
2024 · 99.7%
Current ratio
77.49
Quick ratio
77.49
Debt / equity
0.01▲
2024 · 0.00
ROE
1.4%▲
2024 · 1.0%
ROA
1.4%▲
2024 · 1.0%
Interest coverage
60.44▲
2024 · 59.22
Debt
€2k▲
2024 · €559
Debt ≤ 1 year
€2k▲
2024 · €559
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€212k€216k▲
Fixed assets21/28€104k€96k▼
Tangible fixed assets22/27€104k€96k▼
Land and buildings22€104k€96k▼
Current assets29/58€108k€120k▲
Amounts receivable within one year40/41€14k€15k▲
Trade receivables40€13k€13k▲
Other amounts receivable41€2k€2k▲
Cash at bank and in hand54/58€93k€104k▲
Deferred charges and accrued income490/1€725€194▼
Equity and liabilities
Total equity and liabilities10/49€212k€216k▲
Equity10/15€211k€214k▲
Contributions10/11€19k€19k=
Reserves13€129k€129k=
Distributable reserves133€129k€129k=
Profit (loss) carried forward14€64k€67k▲
Amounts payable17/49€559€2k▲
Amounts payable within one year42/48€559€2k▲
Trade debts44€559€2k▲
Suppliers440/4€559€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€16k€17k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€291€323▲
Recurring financial income75€291€323▲
Financial charges65/66B€199€209▲
Recurring financial charges65€199€209▲
Profit (loss) for the period before taxes9903€2k€3k▲
Profit (loss) for the period9904€2k€3k▲
Profit (loss) for the period to be appropriated9905€2k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€64k€67k▲
Profit (loss) brought forward from the previous period14P€62k€64k▲
The notes to these accounts (16 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 11current ratio 281.88
Current ratio from 26.63 to 281.88; short-term debt falls from €4k to €340.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €67
Net result €67 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Pepinster · 1 establishment unit since 1988
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 Lieutenant Albert Dressen 14860 PepinsterGround area
987 m²
Building footprint
243 m²
Volume, LiDAR
1,690 m³
2 parcels, Wallonia · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Brou 43, 4800 Verviers
since 19882.036.509.753
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63058A0341/00K000 | Wallonia | 914 m² | 1 · 187 m² | 8.6 m · 2 fl. |
| 63079A0724/00H000 | Wallonia | 73 m² | 1 · 56 m² | 13.7 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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DENIVAJO
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Dynamic Gear
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Of 6,503 companies in sector 47716 we hold annual accounts for 2,438. 1,756 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-1988
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.