Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2024; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2024
GEST - CREDIT from Nassogne, company number BE0441767296, closed financial year 2024 with a result of € -6,603 after tax. For that financial year GEST - CREDIT recorded a gross margin of € 4,896 and equity of € -42,042. Compared with financial year 2023, the result moved from € -6,281 to € -6,603. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 29, 2025.
€ -42,042
▼ € 6,603 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -6,603
▼ 5 % more loss than in 2023
Profit after tax over the fiscal year.
€ 5,620
▼ 96% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -73,028.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 1,550
▼ 61% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 66
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 35,416 | € 23,200 | € 5,809 | € 4,896 | ▼ 16% |
| Profit after taxes | € 24,478 | € 10,786 | € -6,281 | € -6,603 | ▼ € 322 |
| Equity | € -39,945 | € -29,158 | € -35,439 | € -42,042 | ▼ € 6,603 |
| Total debts | € 143,261 | € 128,786 | € 194,609 | € 70,443 | ▼ 64% |
| Cash | € 18,861 | € 19,929 | € 135,670 | € 5,620 | ▼ 96% |
| Land & buildings | € 21,953 | € 20,003 | € 18,052 | € 17,565 | ▼ 3% |
| Retained profit | € -70,931 | € -60,145 | € -66,426 | € -73,028 | ▼ € 6,603 |
| Bank debt | € 142,961 | € 125,000 | € 125,000 | € 0 | ▼ 100% |
| Balance sheet total | € 103,317 | € 99,628 | € 159,170 | € 28,402 | ▼ 82% |
Key figures of GEST - CREDIT, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to GEST - CREDIT?
What happened at GEST - CREDIT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 6,603. filed late Source: NBB ↗
- New establishment in Nassogne. KBO
- Start of the company according to the CBE. KBO
In short
From € 24,478 profit in 2021 to € 6,603 loss in 2024.
Paid € 3,456 in corporate taxes since 2021.
Best year ever: 2021, with € 24,478 profit.
A new publication or filing at GEST - CREDIT? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind GEST - CREDIT are Fabrice LAFFINEUR, Bernadette GODEFROID and Bruno LAFFINEUR.
Directors
According to the 2024 annual accounts
Fabrice LAFFINEUR
Director
Bernadette GODEFROID
Director
Bruno LAFFINEUR
Director
Establishments
Establishment units
Physical locations of this company
Rue du Point-d'Arrêt,Lesterny 1
6953 Nassogne
Rue du Point-d'Arrêt,Lesterny 1.
6953 Nassogne
Active since 23 October 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0441.767.296
- VAT number
- BE 0441.767.296
- Registered office
- Rue du Point-d'Arrêt,Lesterny 1, 6953 Nassogne
- Names & denominations
- GEST - CREDIT
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 24 August 1990
- Peppol
- Not registered