GIADELCO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €1.06M and a net result of €247k. Equity is growing by ~36.6% per year across the filed fiscal years. Its solvency ranks better than 50% of 83 sector peers (fiscal year 2026). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 10-09-2026, 143 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
143 d early
2025
156 d early
2024
151 d early
2023
45 d early
2022
154 d early
2021
87 d early
2020
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€1.06M▲ 16.1%
2025 · €910k
2019: €147k
2020: €156k
2021: €270k
2022: €317k
2023: €537k
2024: €815k
2025: €910k
2019 → 2026
Net result
€247k▲ 26.7%
2025 · €195k
2019: €28k
2020: €53k
2021: €147k
2022: €114k
2023: €241k
2024: €348k
2025: €195k
2019 → 2026
Total assets
€1.83M▲ 4.3%
2025 · €1.76M
2019: €805k
2020: €843k
2021: €1.58M
2022: €1.48M
2023: €1.51M
2024: €1.73M
2025: €1.76M
2019 → 2026
Solvency
57.7%▲ 5.9pp
2025 · 51.8%
2019: 18.3%
2020: 18.5%
2021: 17.1%
2022: 21.4%
2023: 35.6%
2024: 47.1%
2025: 51.8%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€317k-€537k▲ 69.6%€815k▲ 51.7%€910k▲ 11.6%€1.06M▲ 16.1%
Operating result€83k-€81k▼ 2.6%€87k▲ 7.3%€92k▲ 6.3%€100k▲ 8.1%
Net result€114k-€241k▲ 111%€348k▲ 44.5%€195k▼ 44.0%€247k▲ 26.7%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed three years in a row; 2026 is 8% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.83M
Fixed assets
€1.56M▲ 0.5%
Current assets
€265k▲ 33.8%
Equity and liabilities €1.83M
Equity
€1.06M▲ 16.1%
Debt
€773k▼ 8.5%
The debt ratio falls from 48.2% to 42.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
57.7%▲
2025 · 51.8%
ROE
23.4%▲
2025 · 21.4%
ROA
13.5%▲
2025 · 11.1%
Debt
€773k▼
2025 · €846k
Debt ≤ 1 year
€254k▲
2025 · €218k
Debt > 1 year
€497k▼
2025 · €606k
Income taxes
€47k▲
2025 · €29k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.76M€1.83M▲
Fixed assets21/28€1.56M€1.56M▲
Tangible fixed assets22/27€346k€353k▲
Land and buildings22€342k€351k▲
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€1.21M€1.21M=
Current assets29/58€198k€265k▲
Amounts receivable within one year40/41€177k€245k▲
Trade receivables40-€489
Other amounts receivable41€177k€244k▲
Current investments50/53€9k€9k=
Cash at bank and in hand54/58€9k€9k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.76M€1.83M▲
Equity10/15€910k€1.06M▲
Contributions10/11€6k€6k=
Reserves13€903k€1.05M▲
Non-distributable reserves130/1€8k€8k=
Reserves not available under the articles1311€8k€8k=
Distributable reserves133€896k€1.04M▲
Profit (loss) carried forward14€151€151=
Amounts payable17/49€846k€773k▼
Amounts payable after more than one year17€606k€497k▼
Financial debts170/4€606k€497k▼
Amounts payable within one year42/48€218k€254k▲
Current portion of amounts payable after more than one year42€106k€108k▲
Trade debts44€1k€960▼
Suppliers440/4€1k€960▼
Taxes, remuneration and social security45€11k€31k▲
Taxes450/3€11k€31k▲
Other amounts payable47/48€100k€113k▲
Accrued charges and deferred income492/3€22k€22k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€10k€9k▼
Gross operating margin9900€124k€131k▲
Operating profit (loss)9901€92k€100k▲
Financial income75/76B€149k€209k▲
Recurring financial income75€149k€209k▲
Financial charges65/66B€18k€15k▼
Recurring financial charges65€18k€15k▼
Profit (loss) for the period before taxes9903€224k€293k▲
Income taxes67/77€29k€47k▲
Profit (loss) for the period9904€195k€247k▲
Profit (loss) for the period to be appropriated9905€195k€247k▲
Appropriation of the result
Profit (loss) to be appropriated9906€195k€247k▲
Profit (loss) brought forward from the previous period14P€151€151=
Transfer from equity791/2-€100k
Transfer to equity691/2€95k€247k▲
To other reserves6921€95k€247k▲
Profit to be distributed694/7€100k€100k=
Return on contributions (dividend)694€100k€100k=
The notes to these accounts (17 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 2027, expected by
2026
10-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
30-06
Financial
Equity above €1MEq €1.06M ▲16.1%
8 profitable years in a row build equity to €1.06M.
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
02-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Highest result since 2019net €348k ▲44.5%
Net result €348k, the highest in the series.
2023
17-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
30-06
Financial
Equity above €500kEq €537k ▲69.6%
5 profitable years in a row build equity to €537k.
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Equity above €200kEq €270k ▲73.4%
3 profitable years in a row build equity to €270k.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
Financial
Equity above €150kEq €156k ▲5.6%
2 profitable years in a row build equity to €156k.
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
20-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
20-11
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
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, Aywaille · 1 establishment unit since 2007
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.
Avenue de la Porallée 554920 AywailleGround area
346 m²
Building footprint
212 m²
Volume, LiDAR
1,151 m³
Parcel 62098C0036/00N003, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GIADELCO
since 20072.165.034.852
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62098C0036/00N003 | Wallonia | 346 m² | 1 · 212 m² | 7.1 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2007
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:alain@bureaugilson.be