GADALY
ActiveGADALY has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €3k. Equity is growing by ~18.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 18024 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-26
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.03 against 3.86 in 2024), and 24.5% 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 · 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
75.5%
Return on assets
1.6%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-03-2026, 47 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
47 d late
2024
14 d late
2023
42 d late
2022
36 d early
2021
49 d early
2020
32 d early
2019
50 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€134k▲ 2.2%
2024 · €131k
2019: €35k
2020: €32k
2021: €64k
2022: €102k
2023: €122k
2024: €131k
2019 → 2025
Total assets
€178k▲ 1.4%
2024 · €175k
2019: €88k
2020: €76k
2021: €98k
2022: €149k
2023: €171k
2024: €175k
2019 → 2025
Net result
€3k▼ 70.1%
2024 · €10k
2019: €9k
2020: €-3k
2021: €32k
2022: €38k
2023: €19k
2024: €10k
2019 → 2025
Working capital
€132k▲ 4.7%
2024 · €126k
2019: €4k
2020: €12k
2021: €54k
2022: €86k
2023: €113k
2024: €126k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€102k▲ 59.4%€122k▲ 18.8%€131k▲ 8.0%€134k▲ 2.2%
Operating result€38k-€53k▲ 39.2%€26k▼ 50.4%€14k▼ 46.7%€6k▼ 58.5%
Net result€32k-€38k▲ 18.8%€19k▼ 49.5%€10k▼ 49.8%€3k▼ 70.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 58% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€2k▼ 57.9%
Current assets
€175k▲ 3.2%
Equity and liabilities €178k
Equity
€134k▲ 2.2%
Debt
€44k▼ 0.9%
The debt ratio falls from 25.1% to 24.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€9k▼
2024 · €17k
Cash flow
€6k▼
2024 · €13k
Solvency
75.5%▲
2024 · 74.9%
Current ratio
4.03▲
2024 · 3.86
Quick ratio
3.82▲
2024 · 3.70
Debt / equity
0.33▼
2024 · 0.34
ROE
2.2%▼
2024 · 7.4%
ROA
1.6%▼
2024 · 5.5%
Interest coverage
3.99▼
2024 · 9.88
Debt
€44k▼
2024 · €44k
Debt ≤ 1 year
€44k▼
2024 · €44k
Income taxes
€748▼
2024 · €3k
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€175k€178k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Plant, machinery and equipment23€1k€464▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€50€93▲
Current assets29/58€170k€175k▲
Stocks and contracts in progress3€7k€9k▲
Stocks30/36€7k€9k▲
Amounts receivable within one year40/41€101k€161k▲
Trade receivables40€2k€2k=
Other amounts receivable41€99k€160k▲
Cash at bank and in hand54/58€62k€5k▼
Equity and liabilities
Total equity and liabilities10/49€175k€178k▲
Equity10/15€131k€134k▲
Contributions10/11€19k€19k=
Capital10-€19k
Issued capital100-€19k
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€111k€114k▲
Amounts payable17/49€44k€44k▼
Amounts payable within one year42/48€44k€44k▼
Financial debts43€1k€0▼
Credit institutions430/8€1k€0▼
Trade debts44€31k€33k▲
Suppliers440/4€31k€33k▲
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k=
Other operating charges640/8€681€100▼
Gross operating margin9900€18k€9k▼
Operating profit (loss)9901€14k€6k▼
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€12k€4k▼
Income taxes67/77€3k€748▼
Profit (loss) for the period9904€10k€3k▼
Profit (loss) for the period to be appropriated9905€10k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€114k▲
Profit (loss) brought forward from the previous period14P€101k€111k▲
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
19-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
14-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
13-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2022
26-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €38k ▲18.8%
Operating result €53k, net result €38k, both a record.
30-06
Financial
Equity above €100kEq €102k ▲59.4%
2 profitable years in a row build equity to €102k.
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
30-06
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.27 to 2.61; short-term debt falls from €44k to €34k.
2020
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €-3k ▼134%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Anderlecht · 1 establishment unit since 2016
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.
Jules Graindorlaan 191070 AnderlechtGround area
159 m²
Building footprint
117 m²
Volume, LiDAR
1,169 m³
Parcel 21304B0051/00W004, Brussels · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Jules Graindorlaan 19, 1070 Anderlecht
since 20162.253.855.772
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21304B0051/00W004 | Brussels | 159 m² | 1 · 117 m² | 11.5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAnderlecht2.253.855.772
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Of 10,412 companies in sector 47110 we hold annual accounts for 5,785. 4,467 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-05-2016
Fiscal year end30-06
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
46190Agents in non-specialised wholesale trade
46389Wholesale of other food products
47210Retail sale of fruit and vegetables
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47789Other retail sale of new goods
47810Retail trade
47820Market retail: textiles, clothing, footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.