G.E.P.E.F.
ActiveG.E.P.E.F. has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.28M and a net result of €72k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 8537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability8▲+4
Solvency100▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €400k at 30 days acceptable
Liquidity ample (current ratio 2.2 against 1.69 in 2024), and 2.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
97.6%
Return on assets
1.6%
Age of the figures
8 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 15-07-2026, 16 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
16 d early
2024
16 d early
2023
14 d early
2022
22 d late
2021
30 d late
2020
17 d late
2019
20 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
10-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€72k▲ 91.1%
2024 · €37k
2018: €-417
2019: €8k
2020: €19k
2021: €12k
2022: €-16k
2023: €1k
2024: €37k
2018 → 2025
Working capital
€127k▲ 142%
2024 · €53k
2018: €-38k
2019: €-46k
2020: €-19k
2021: €8k
2022: €19k
2023: €14k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.18M-€4.17M▼ 0.4%€4.17M=€4.20M▲ 0.9%€4.28M▲ 1.7%
Operating result€20k-€-12k€4k€50k▲ 1,273%€98k▲ 97.7%
Net result€12k-€-16k€1k€37k▲ 2,553%€72k▲ 91.1%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 98% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.38M
Fixed assets
€4.15M▼ 0.1%
Current assets
€233k▲ 80.5%
Equity and liabilities €4.38M
Equity
€4.28M▲ 1.7%
Debt
€106k▲ 38.5%
The debt ratio rises from 1.8% to 2.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€101k▲
2024 · €52k
Cash flow
€74k▲
2024 · €40k
Solvency
97.6%▼
2024 · 98.2%
Current ratio
2.20▲
2024 · 1.69
Quick ratio
2.20▲
2024 · 1.69
Debt / equity
0.02▲
2024 · 0.02
ROE
1.7%▲
2024 · 0.9%
ROA
1.6%▲
2024 · 0.9%
Interest coverage
55.70▲
2024 · 22.33
Debt
€106k▲
2024 · €76k
Debt ≤ 1 year
€106k▲
2024 · €76k
Income taxes
€25k▲
2024 · €10k
Staff costs
€55k▲
2024 · €53k
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€4.28M€4.38M▲
Fixed assets21/28€4.15M€4.15M▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€4.15M€4.15M=
Current assets29/58€129k€233k▲
Amounts receivable within one year40/41€98k€120k▲
Trade receivables40€26k€25k▼
Other amounts receivable41€72k€95k▲
Cash at bank and in hand54/58€28k€109k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€4.28M€4.38M▲
Equity10/15€4.20M€4.28M▲
Contributions10/11€4.14M€4.14M=
Profit (loss) carried forward14€62k€134k▲
Amounts payable17/49€76k€106k▲
Amounts payable within one year42/48€76k€106k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€13k€42k▲
Taxes450/3€13k€37k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48€60k€60k▲
Income statement
Code20242025
Remuneration, social security and pensions62€53k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€422€127▼
Gross operating margin9900€112k€161k▲
Operating profit (loss)9901€50k€98k▲
Financial income75/76B€1€3▲
Recurring financial income75€1€3▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€47k€96k▲
Income taxes67/77€10k€25k▲
Profit (loss) for the period9904€37k€72k▲
Profit (loss) for the period to be appropriated9905€37k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€62k€134k▲
Profit (loss) brought forward from the previous period14P€25k€62k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (7 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €72k ▲91.1%
Operating result €98k, net result €72k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 22 days late
2022
31-12
Financial
Weakest financial yearnet €-16k ▼232%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Saint-Ghislain · 1 establishment unit since 2016
Ground area
810 m²
Building footprint
498 m²
Volume, LiDAR
2,867 m³
Parcel 53009B0022/00Z000, Wallonia · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
G.E.P.E.F.
since 20162.260.843.633
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53009B0022/00Z000 | Wallonia | 810 m² | 1 · 497 m² | 11.1 m · 2 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.
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Of 82,190 companies in sector 70200 we hold annual accounts for 52,387. 12,508 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 09-09-2026. Scores and ratios are computed by Checked and are not a credit decision.