Goemar
ActiveGoemar has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €325k and a net result of €-7k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 4023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
60
/ 100
Healthy▼ -26 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-23
Solvency82▼-12
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.76 in 2024), and 37.7% of the assets are financed with debt.
Credit advice 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 →
raises risk · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
26 d late
2024
24 d early
2023
5 d early
2022
28 d early
2021
1 d late
2020
40 d early
2019
59 d early
← 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
06-09-2026 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
€-7k
2024 · €15k
2021: €21k
2022: €7k
2023: €17k
2024: €15k
2021 → 2025
Working capital
€33k▼ 45.4%
2024 · €61k
2021: €55k
2022: €53k
2023: €44k
2024: €61k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€291k-€298k▲ 2.5%€316k▲ 5.8%€331k▲ 4.9%€325k▼ 2.0%
Operating result€45k-€30k▼ 34.3%€39k▲ 32.0%€32k▼ 18.2%€379▼ 98.8%
Net result€21k-€7k▼ 66.2%€17k▲ 143%€15k▼ 11.8%€-7k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 99% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €521k
Fixed assets
€349k▼ 5.7%
Current assets
€172k▲ 21.5%
Equity and liabilities €521k
Equity
€325k▼ 2.0%
Debt
€196k▲ 8.9%
The debt ratio rises from 35.2% to 37.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€28k▼
2024 · €60k
Cash flow
€21k▼
2024 · €44k
Solvency
62.3%▼
2024 · 64.8%
Current ratio
1.24▼
2024 · 1.76
Quick ratio
0.92▼
2024 · 1.16
Debt / equity
0.60▲
2024 · 0.54
ROE
-2.1%▼
2024 · 4.6%
ROA
-1.3%▼
2024 · 3.0%
Interest coverage
3.70▼
2024 · 5.55
Debt
€196k▲
2024 · €180k
Debt ≤ 1 year
€138k▲
2024 · €80k
Debt > 1 year
€58k▼
2024 · €100k
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
Total assets
20/58€512k€521k▲
Fixed assets
21/28€370k€349k▼
Tangible fixed assets
22/27€366k€345k▼
Financial fixed assets
28€4k€4k=
Current assets
29/58€141k€172k▲
Stocks & contracts in progress
3€48k€45k▼
Amounts receivable within one year
40/41€54k€53k▼
Cash & bank
54/58€37k€70k▲
Total equity & liabilities
10/49€512k€521k▲
Equity
10/15€331k€325k▼
Contributions / capital
10/11€19k€19k=
Reserves
13€312k€312k=
Accumulated profits (losses)
14-€-7k
Amounts payable
17/49€180k€196k▲
Amounts payable after one year
17€100k€58k▼
Amounts payable within one year
42/48€80k€138k▲
Trade debts payable within one year
44€34k€83k▲
Income statement
Code20242025
Gross operating margin
9900€64k€32k▼
Operating result
9901€32k€379▼
Financial income
75€196€508▲
Financial charges
65€11k€8k▼
Result before taxes
9903€21k€-7k▼
Income taxes
67/77€6k-
Net result for the period
9904€15k€-7k▼
Result to be appropriated
9905€15k€-7k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €-7k ▼144%
Net result drops to €-7k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1 day late
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
DE RUBRIEK
BE 0883.282.592
Laakdal · Eq €325k
FRED'S STRIPWINKEL
BE 0424.948.189
Aalst · Eq €324k
BOOKSHOP GUY VANSTALS
BE 0434.673.232
Ronse · Eq €323k
BLAUW HOF
BE 0473.204.008
Kapellen · Eq €327k
HERKENRODE
BE 0476.140.336
Hasselt · Eq €327k
Of 2,322 companies in sector 47621 we hold annual accounts for 1,213. 905 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-08-1999
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.