GEST LIVE
ActiveGEST LIVE has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €796k and a net result of €180k. Equity is growing by ~14% per year across the filed fiscal years. Its solvency ranks better than 18% of 533 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-22
Solvency32▼-32
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 3.99 against 0.71 in 2024; short-term debt: 12% and cash: 0% of total assets), but 92.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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 87
Relative position
BE, all sectors
reference
Sector 87
lower
← fewer bankruptcies
more bankruptcies →
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
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
7.1%
Return on assets
1.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 533 sector peers (2025).
NBB · sector comparisonPosition among 533 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 10 filingsDeviation from the deadline
2025
18 d late
2024
29 d late
2023
31 d late
2022
38 d early
2021
26 d early
2020
44 d early
2019
119 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€180k▲ 187%
2024 · €63k
2018: €21k
2019: €108k
2020: €168k
2021: €82k
2022: €-55k
2023: €70k
2024: €63k
2018 → 2025
Working capital
€4.01M
2024 · €-228k
2018: €-216k
2019: €-273k
2020: €-151k
2021: €-142k
2022: €-258k
2023: €-282k
2024: €-228k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€538k-€483k▼ 10.2%€553k▲ 14.5%€616k▲ 11.4%€796k▲ 29.2%
Operating result€135k-€-35k€113k€109k▼ 4.2%€297k▲ 173%
Net result€82k-€-55k€70k€63k▼ 10.1%€180k▲ 187%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 173% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.15M
Fixed assets
€5.81M▲ 460%
Current assets
€5.34M▲ 859%
Equity and liabilities €11.15M
Equity
€796k▲ 29.2%
Debt
€10.36M▲ 958%
The debt ratio rises from 61.4% to 92.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€425k▲
2024 · €169k
Cash flow
€308k▲
2024 · €124k
Solvency
7.1%▼
2024 · 38.6%
Current ratio
3.99▲
2024 · 0.71
Quick ratio
3.99▲
2024 · 0.71
Debt / equity
13.02▲
2024 · 1.59
ROE
22.6%▲
2024 · 10.2%
ROA
1.6%▼
2024 · 3.9%
Interest coverage
3.73▼
2024 · 9.35
Debt
€10.36M▲
2024 · €979k
Debt ≤ 1 year
€1.34M▲
2024 · €785k
Debt > 1 year
€4.51M▲
2024 · €194k
Income taxes
€68k▲
2024 · €28k
Staff costs
€2.00M▼
2024 · €2.05M
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€1.59M€11.15M▲
Fixed assets21/28€1.04M€5.81M▲
Intangible fixed assets21-€6k
Tangible fixed assets22/27€1.04M€5.80M▲
Land and buildings22€1.01M€240k▼
Plant, machinery and equipment23€24k€18k▼
Furniture and vehicles24€6k€29k▲
Leasing and similar rights25-€4.75M
Other tangible fixed assets26-€766k
Current assets29/58€557k€5.34M▲
Amounts receivable after more than one year29-€4.32M
Other amounts receivable291-€4.32M
Amounts receivable within one year40/41€480k€773k▲
Trade receivables40€282k€258k▼
Other amounts receivable41€198k€515k▲
Cash at bank and in hand54/58€467€5k▲
Deferred charges and accrued income490/1€77k€251k▲
Equity and liabilities
Total equity and liabilities10/49€1.59M€11.15M▲
Equity10/15€616k€796k▲
Contributions10/11€124k€124k=
Capital10€124k€124k=
Issued capital100€124k€124k=
Reserves13€31k€31k=
Non-distributable reserves130/1€12k€12k=
Legal reserve130€12k€12k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€461k€640k▲
Amounts payable17/49€979k€10.36M▲
Amounts payable after more than one year17€194k€4.51M▲
Financial debts170/4€194k€4.51M▲
Amounts payable within one year42/48€785k€1.34M▲
Current portion of amounts payable after more than one year42€69k€236k▲
Financial debts43€89k€272k▲
Credit institutions430/8€89k€272k▲
Trade debts44€84k€131k▲
Suppliers440/4€84k€131k▲
Taxes, remuneration and social security45€516k€505k▼
Taxes450/3€88k€139k▲
Remuneration and social security454/9€428k€366k▼
Other amounts payable47/48€27k€194k▲
Accrued charges and deferred income492/3-€4.52M
Income statement
Code20242025
Non-recurring operating income76A-€107k
Remuneration, social security and pensions62€2.05M€2.00M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€128k▲
Other operating charges640/8€23k€26k▲
Gross operating margin9900€2.24M€2.45M▲
Operating profit (loss)9901€109k€297k▲
Financial income75/76B€200€65k▲
Recurring financial income75€200€65k▲
Financial charges65/66B€18k€114k▲
Recurring financial charges65€18k€114k▲
Profit (loss) for the period before taxes9903€91k€248k▲
Income taxes67/77€28k€68k▲
Profit (loss) for the period9904€63k€180k▲
Profit (loss) for the period to be appropriated9905€63k€180k▲
Appropriation of the result
Profit (loss) to be appropriated9906€461k€640k▲
Profit (loss) brought forward from the previous period14P€398k€461k▲
Social balance
Average headcount (FTE)908732.330.2▼
The notes to these accounts (26 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 18 days late
2025
31-12
Financial
Highest result since 2018net €180k ▲187%
Operating result €297k, net result €180k, both a record.
31-12
Financial
Liquidity times 6current ratio 3.99
Current ratio from 0.71 to 3.99.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Back to profitnet €70k
Net result €70k after one loss-making year.
31-12
Financial
Equity above €500kEq €553k ▲14.5%
Equity rises from €483k to €553k.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-55k ▼167%
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €538k ▲18.1%
4 profitable years in a row build equity to €538k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 119 days late
2019
31-12
Financial
Equity above €200kEq €288k ▲60.1%
2 profitable years in a row build equity to €288k.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 days late
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, Grâce-Hollogne · 1 establishment unit since 1993
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 de la Station 154460 Grâce-HollogneGround area
6,729 m²
Building footprint
1,406 m²
Volume, LiDAR
5,771 m³
Parcel 62454A0975/00L002, Wallonia · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
LES BUISSONNETS
since 19932.062.606.416
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62454A0975/00L002 | Wallonia | 6,729 m² | 1 · 1,406 m² | 7.6 m · 1 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 601 companies in sector 87301 we hold annual accounts for 493. 359 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-03-1991
Fiscal year end31-12
Activities, NACEBEL
85315
87301Residential care activities
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.