GEFISCO
ActiveSummary
GEFISCO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €131k and a net result of €23k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 68% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
83
/ 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
Profitability81▼-5
Solvency81▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.34 against 2.29 in 2024; short-term debt: 39.9% and cash: 46.6% of total assets), and 44.3% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
55.7%
Return on assets
9.8%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
21 d early
2023
26 d late
2022
34 d early
2021
18 d early
2020
25 d early
2019
85 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€131k▲ 21.3%
2024 · €108k
2018: €-3k
2019: €13k
2020: €37k
2021: €64k
2022: €65k
2023: €77k
2024: €108k
2018 → 2025
Total assets
€235k▲ 4.4%
2024 · €226k
2018: €277k
2019: €263k
2020: €348k
2021: €319k
2022: €303k
2023: €248k
2024: €226k
2018 → 2025
Net result
€23k▼ 25.7%
2024 · €31k
2018: €2k
2019: €15k
2020: €25k
2021: €27k
2022: €1k
2023: €12k
2024: €31k
2018 → 2025
Working capital
€126k▲ 10.1%
2024 · €114k
2018: €114k
2019: €114k
2020: €185k
2021: €161k
2022: €152k
2023: €112k
2024: €114k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€65k▲ 1.7%€77k▲ 18.3%€108k▲ 40.2%€131k▲ 21.3%
Operating result€38k-€6k▼ 84.9%€20k▲ 252%€47k▲ 132%€35k▼ 26.1%
Net result€27k-€1k▼ 96.0%€12k▲ 1,008%€31k▲ 160%€23k▼ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €235k
Fixed assets
€16k ▼ 30.2%
Current assets
€220k ▲ 8.3%
Equity and liabilities €235k
Equity
€131k ▲ 21.3%
Debt
€104k ▼ 11.2%
Debt's share of the balance-sheet total falls from 52.1% to 44.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €51k
Cash flow
€30k▼
2024 · €36k
Current ratio
2.34▲
2024 · 2.29
Quick ratio
1.25▲
2024 · 0.72
Debt to equity
0.80▼
2024 · 1.09
ROE
17.6%▼
2024 · 28.6%
ROA
9.8%▼
2024 · 13.7%
Interest coverage
28.92▲
2024 · 19.51
Debt ≤ 1 year
€94k▲
2024 · €89k
Debt > 1 year
€10k▼
2024 · €29k
Income taxes
€10k▼
2024 · €13k
Staff costs
€80k▲
2024 · €77k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€226k€235k▲
Fixed assets21/28€23k€16k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€20k€14k▼
Financial fixed assets28€620€620=
Current assets29/58€203k€220k▲
Stocks and contracts in progress3€139k€102k▼
Stocks30/36€139k€102k▼
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€3k€6k▲
Cash at bank and in hand54/58€59k€110k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€226k€235k▲
Equity10/15€108k€131k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€95k€118k▲
Amounts payable17/49€117k€104k▼
Amounts payable after more than one year17€29k€10k▼
Financial debts170/4€29k€10k▼
Amounts payable within one year42/48€89k€94k▲
Trade debts44€47k€53k▲
Suppliers440/4€47k€53k▲
Taxes, remuneration and social security45€41k€41k▼
Taxes450/3€28k€31k▲
Remuneration and social security454/9€14k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€77k€80k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€326-
Gross operating margin9900€129k€121k▼
Operating profit (loss)9901€47k€35k▼
Financial income75/76B€24€109▲
Recurring financial income75€24€109▲
Financial charges65/66B€3k€1k▼
Recurring financial charges65€3k€1k▼
Profit (loss) for the period before taxes9903€44k€33k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€31k€23k▼
Profit (loss) for the period to be appropriated9905€31k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€95k€118k▲
Profit (loss) brought forward from the previous period14P€64k€95k▲
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €31k ▲160%
Operating result €47k, net result €31k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲40.2%
7 profitable years in a row build equity to €108k.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €1k ▼96%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Herve · 1 establishment unit since 1987
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 des Martyrs 594650 HerveGround area
2,005 m²
Building footprint
174 m²
Volume, LiDAR
1,938 m³
Parcel 63035A0006/00N005, Wallonia · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
FEMINELLA
since 19872.030.027.975
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0006/00N005 | Wallonia | 2,005 m² | 1 · 174 m² | 14.5 m · 4 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.
Similar companies · same sector, comparable size
intimo
BE 0562.824.088
Mol · Eq €131,404
Textiel Van der Borght
BE 0446.128.437
Aarschot · Eq €129,875
LINGERIE DUO
BE 0827.444.939
Koksijde · Eq €129,633
CALINE KUST
BE 0840.681.776
Koksijde · Eq €133,878
PASTEL
BE 0476.454.201
Schilde · Eq €127,990
Of 519 companies in sector 47714 we hold annual accounts for 263. 223 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-08-1987
Fiscal year end31-12
Activities, NACEBEL 2025
47714Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.