Gest-i9
ActiveSummary
Gest-i9 has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €90k. Equity is growing by ~13.9% per year across the filed fiscal years. Its solvency ranks better than 68% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
95
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency98▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 7.24 against 17.78 in 2024; short-term debt: 9.8% and cash: 60.1% of total assets), and 27.2% 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 · 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
72.8%
Return on assets
49.1%
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 23-07-2026, 8 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
8 d early
2024
9 d early
2023
3 d late
2022
on the day
2021
16 d early
2020
24 d early
2019
8 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
€134k▼ 6.7%
2024 · €144k
2019: €22k
2020: €68k
2021: €110k
2022: €138k
2023: €139k
2024: €144k
2019 → 2025
Total assets
€184k▲ 14.7%
2024 · €161k
2019: €30k
2020: €74k
2021: €117k
2022: €170k
2023: €165k
2024: €161k
2019 → 2025
Net result
€90k▼ 9.7%
2024 · €100k
2019: €16k
2020: €46k
2021: €42k
2022: €88k
2023: €96k
2024: €100k
2019 → 2025
Working capital
€113k▼ 16.1%
2024 · €135k
2019: €22k
2020: €66k
2021: €109k
2022: €127k
2023: €129k
2024: €135k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€110k-€138k▲ 25.3%€139k▲ 0.5%€144k▲ 3.7%€134k▼ 6.7%
Operating result€55k-€117k▲ 114%€128k▲ 9.2%€133k▲ 4.1%€121k▼ 8.8%
Net result€42k-€88k▲ 110%€96k▲ 8.9%€100k▲ 4.6%€90k▼ 9.7%
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 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €184k
Fixed assets
€53k ▲ 201%
Current assets
€131k ▼ 8.2%
Equity and liabilities €184k
Equity
€134k ▼ 6.7%
Debt
€50k ▲ 197%
Debt's share of the balance-sheet total rises from 10.5% to 27.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€135k▼
2024 · €140k
Cash flow
€104k▼
2024 · €107k
Current ratio
7.24▼
2024 · 17.78
Debt to equity
0.37▲
2024 · 0.12
ROE
67.4%▼
2024 · 69.7%
ROA
49.1%▼
2024 · 62.3%
Interest coverage
145.20▼
2024 · 1710.70
Debt ≤ 1 year
€18k▲
2024 · €8k
Debt > 1 year
€32k▲
2024 · €9k
Income taxes
€31k▼
2024 · €34k
Staff costs
€6k▲
2024 · €6k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€161k€184k▲
Fixed assets21/28€18k€53k▲
Tangible fixed assets22/27€18k€53k▲
Plant, machinery and equipment23€959€480▼
Furniture and vehicles24€17k€52k▲
Current assets29/58€143k€131k▼
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€18k€19k▲
Other amounts receivable41€101-
Cash at bank and in hand54/58€123k€111k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€161k€184k▲
Equity10/15€144k€134k▼
Contributions10/11€6k€6k=
Reserves13€36k€36k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€101k€92k▼
Amounts payable17/49€17k€50k▲
Amounts payable after more than one year17€9k€32k▲
Financial debts170/4€9k€32k▲
Amounts payable within one year42/48€8k€18k▲
Current portion of amounts payable after more than one year42€6k€13k▲
Trade debts44€151€3k▲
Suppliers440/4€151€3k▲
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€507€443▼
Remuneration and social security454/9€2k€2k=
Accrued charges and deferred income492/3€97-
Income statement
Code20242025
Remuneration, social security and pensions62€6k€6k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€13k▲
Other operating charges640/8€533€662▲
Gross operating margin9900€147k€142k▼
Operating profit (loss)9901€133k€121k▼
Financial income75/76B€628€372▼
Recurring financial income75€628€372▼
Financial charges65/66B€82€928▲
Recurring financial charges65€82€928▲
Profit (loss) for the period before taxes9903€134k€121k▼
Income taxes67/77€34k€31k▼
Profit (loss) for the period9904€100k€90k▼
Profit (loss) for the period to be appropriated9905€100k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€196k€192k▼
Profit (loss) brought forward from the previous period14P€96k€101k▲
Profit to be distributed694/7€95k€100k▲
Return on contributions (dividend)694€95k€100k▲
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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €100k ▲4.6%
Operating result €133k, net result €100k, both a record.
03-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 3 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €110k ▲61.1%
3 profitable years in a row build equity to €110k.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity triplescurrent ratio 12.48
Current ratio from 3.75 to 12.48; short-term debt falls from €8k to €6k.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Estinnes · 1 establishment unit since 2019
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 Rivière(EMT) 427120 EstinnesGround area
359 m²
Building footprint
159 m²
Parcel 56023A1266/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Rivière(EVL) 42, 7120 Estinnes
since 20192.328.950.994
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56023A1266/00K000 | Wallonia | 359 m² | 1 · 159 m² | - |
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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Horizon 1065
BE 1015.924.154
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Stratova
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WELEIO
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,875 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
Founded19-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gest.i9.srl@gmail.com