GILDIS
ActiveGILDIS has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €22k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+5
Solvency30▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.47 against 0.4 in 2024; short-term debt: 94.8% and cash: 24.5% of total assets), and 94.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
5.2%
Return on assets
7.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
6 d early
2023
70 d late
2022
415 d late
2021
29 d late
2020
26 d late
2019
69 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k
2024 · €-8k
2018: €42k
2019: €54k
2020: €54k
2021: €2k
2022: €-47k
2023: €-18k
2024: €-8k
2018 → 2025
Total assets
€279k▲ 0.4%
2024 · €278k
2018: €130k
2019: €73k
2020: €54k
2021: €2k
2022: €153k
2023: €184k
2024: €278k
2018 → 2025
Net result
€22k▲ 104%
2024 · €11k
2018: €-26k
2019: €12k
2020: €-160
2021: €-52k
2022: €-49k
2023: €29k
2024: €11k
2018 → 2025
Working capital
€-139k▲ 19.0%
2024 · €-172k
2018: €34k
2019: €48k
2022: €-99k
2023: €-121k
2024: €-172k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2k-€-47k€-18k▲ 60.8%€-8k▲ 58.8%€15k
Operating result€-52k-€-46k▲ 11.3%€32k€14k▼ 57.7%€31k▲ 128%
Net result€-52k-€-49k▲ 4.8%€29k€11k▼ 62.1%€22k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 128% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€154k▼ 6.5%
Current assets
€125k▲ 10.3%
Equity and liabilities €279k
Equity
€15k
Debt
€264k
Debt finances 94.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€46k▲
2024 · €27k
Cash flow
€37k▲
2024 · €24k
Solvency
5.2%▲
2024 · -2.7%
Current ratio
0.47▲
2024 · 0.40
Quick ratio
0.47▲
2024 · 0.40
Debt / equity
18.20▲
2024 · -37.61
ROE
152.3%
ROA
7.9%▲
2024 · 3.9%
Interest coverage
14.80▲
2024 · 9.73
Debt
€264k▼
2024 · €285k
Debt ≤ 1 year
€264k▼
2024 · €285k
Income taxes
€6k
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€278k€279k▲
Fixed assets21/28€164k€154k▼
Tangible fixed assets22/27€62k€51k▼
Other tangible fixed assets26€62k€51k▼
Financial fixed assets28€103k€103k=
Current assets29/58€113k€125k▲
Amounts receivable within one year40/41€12k€19k▲
Other amounts receivable41€12k€19k▲
Cash at bank and in hand54/58€64k€68k▲
Deferred charges and accrued income490/1€37k€37k▲
Equity and liabilities
Total equity and liabilities10/49€278k€279k▲
Equity10/15€-8k€15k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-26k€-4k▲
Amounts payable17/49€285k€264k▼
Amounts payable within one year42/48€285k€264k▼
Trade debts44€15k€38k▲
Suppliers440/4€15k€38k▲
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€6k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€260k€216k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€1k€8k▲
Gross operating margin9900€28k€54k▲
Operating profit (loss)9901€14k€31k▲
Financial income75/76B€3€0▼
Recurring financial income75€3€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€11k€28k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€11k€22k▲
Profit (loss) for the period to be appropriated9905€11k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-36k€-4k▲
Profit (loss) brought forward from the previous period14P€-47k€-26k▲
Transfer from equity791/2€10k-
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 70 days late
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 415 days late
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after 3 loss-making years.
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €-52k
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.53
Current ratio from 1.38 to 3.53; short-term debt falls from €88k to €19k.
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 43 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Antwerpen · 2 establishment units since 2021
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.
De Keyserlei 342018 AntwerpenGround area
156 m²
Building footprint
156 m²
Volume, LiDAR
1,738 m³
2 parcels, Flanders · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Diamond Land
since 20212.324.212.347
The Diamond Store
since 20222.335.531.554
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1239/00E002 | Flanders | 78 m² | 1 · 78 m² | 17.5 m · 5 fl. |
| 11808H1239/00D002 | Flanders | 78 m² | 1 · 78 m² | 17.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Zahed Jewellery
BE 1009.783.361
Antwerpen · Eq €15k
't JUWEELATELJEE
BE 0809.110.751
Hasselt · Eq €14k
TETRO TREASURE
BE 0729.625.783
Antwerpen · Eq €15k
GMJ Trading
BE 0770.695.187
Gent · Eq €14k
ELEGANCE JEWELS
BE 0897.287.414
Antwerpen · Eq €14k
Of 2,016 companies in sector 47770 we hold annual accounts for 900. 422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-1992
Fiscal year end31-12
Activities, NACEBEL
47770Retail sale of watches and jewellery
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.