GREGFORD.EU
ActiveSummary
GREGFORD.EU has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.73M and a net result of €501k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 72% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 4.23 against 16.41 in 2024; short-term debt: 23.6% and cash: 39.9% of total assets), and 23.6% 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 · 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 →
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
76.4%
Return on assets
22.1%
Age of the figures
9 mo
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
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
14 d early
2023
8 d early
2022
14 d early
2021
23 d early
2020
5 d late
2019
19 d late
← 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€501k▲ 79.4%
2024 · €279k
2018: €216k
2019: €214k
2020: €219k
2021: €223k
2022: €216k
2023: €263k
2024: €279k
2018 → 2025
Working capital
€1.73M▼ 3.0%
2024 · €1.78M
2018: €804k
2019: €975k
2020: €1.04M
2021: €1.18M
2022: €1.23M
2023: €1.50M
2024: €1.78M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.19M-€1.24M▲ 3.9%€1.50M▲ 21.1%€1.78M▲ 18.6%€1.73M▼ 3.0%
Operating result€318k-€316k▼ 0.8%€381k▲ 20.8%€390k▲ 2.3%€695k▲ 78.1%
Net result€223k-€216k▼ 3.2%€263k▲ 21.6%€279k▲ 6.3%€501k▲ 79.4%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 78% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €2.26M
Equity
€1.73M ▼ 3.0%
Debt
€535k ▲ 363%
Debt's share of the balance-sheet total rises from 6.1% to 23.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€695k▲
2024 · €390k
Cash flow
€501k▲
2024 · €279k
Current ratio
4.23▼
2024 · 16.41
Debt to equity
0.31▲
2024 · 0.06
ROE
29.0%▲
2024 · 15.7%
ROA
22.1%▲
2024 · 14.7%
Interest coverage
408.40▲
2024 · 207.55
Debt ≤ 1 year
€535k▲
2024 · €116k
Income taxes
€234k▲
2024 · €127k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.90M€2.26M▲
Fixed assets21/28€12€0▼
Tangible fixed assets22/27€12€0▼
Plant, machinery and equipment23€12€0▼
Current assets29/58€1.90M€2.26M▲
Amounts receivable within one year40/41€0-
Trade receivables40€0-
Current investments50/53€1.34M€1.36M▲
Cash at bank and in hand54/58€560k€903k▲
Deferred charges and accrued income490/1€180€189▲
Equity and liabilities
Total equity and liabilities10/49€1.90M€2.26M▲
Equity10/15€1.78M€1.73M▼
Contributions10/11€19k€19k=
Reserves13€1.76M€1.70M▼
Distributable reserves133€1.76M€1.70M▼
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€116k€535k▲
Amounts payable within one year42/48€116k€535k▲
Trade debts44€7k€6k▼
Suppliers440/4€7k€6k▼
Taxes, remuneration and social security45€107k€174k▲
Taxes450/3€91k€170k▲
Remuneration and social security454/9€16k€3k▼
Other amounts payable47/48€2k€356k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€346€12▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€392k€697k▲
Operating profit (loss)9901€390k€695k▲
Financial income75/76B€18k€42k▲
Recurring financial income75€18k€42k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€406k€735k▲
Income taxes67/77€127k€234k▲
Profit (loss) for the period9904€279k€501k▲
Profit (loss) for the period to be appropriated9905€279k€501k▲
Appropriation of the result
Profit (loss) to be appropriated9906€287k€509k▲
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer from equity791/2-€555k
Transfer to equity691/2€279k€501k▲
To other reserves6921€279k€501k▲
Profit to be distributed694/7-€555k
Return on contributions (dividend)694-€555k
The notes to these accounts (8 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
13-08
State Gazette act
General meeting · Director appointment
Statutes amendment · Board meeting
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €501k ▲79.4%
Operating result €695k, net result €501k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
06-09
State Gazette act
General meeting · Director appointment
Power of attorney · Permanent representative
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 5 days late
2020
31-12
Financial
Equity above €1MEq €1.06M ▲7%
3 profitable years in a row build equity to €1.06M.
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 19 days late
2019
31-12
Financial
Weakest financial yearnet €214k ▼0.6%
Net result drops to €214k, the lowest in the series; recovery starts the following year.
Show earlier events
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
15-10
State Gazette act
General meeting · Director appointment
Mandate compensation · Power of attorney
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2013
26-07
State Gazette act
General meeting · Director appointment
Mandate compensation · Power of attorney
14-02
State Gazette act
Power of attorney · Permanent representative
Director appointment
2012
27-12
State Gazette act
General meeting · Director appointment
Mandate compensation · Director resignation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Sint-Pieters-Woluwe · 1 establishment unit since 2012
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.
Tervurenlaan 194b1150 Sint-Pieters-WoluweGround area
1,162 m²
Building footprint
350 m²
Volume, LiDAR
10,258 m³
Parcel 21019A0205/00G004, Brussels · tallest building 34.7 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
GREGFORD.EU
since 20122.214.244.833
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0205/00G004 | Brussels | 1,162 m² | 1 · 350 m² | 34.6 m · 11 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.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared director
→
Recognitions · licences · registrations
Legal Entity Identifier
894500L8SC23RAHBIN04
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 21,830 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
Founded21-11-2012
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.