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 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 2 % of short-term debt in 2025; 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 2025
GEST - CREDIT from Nassogne, company number BE0441767296, closed financial year 2025 with a result of € -2,076 after tax. For that financial year GEST - CREDIT recorded a gross margin of € 2,438 and equity of € -44,118. Compared with financial year 2024, the result moved from € -6,603 to € -2,076. 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 30, 2026.
€ -44,118
▼ € 2,076 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,076
▲ 69 % less loss than in 2024
Profit after tax over the fiscal year.
€ 691
▼ 88% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -75,104.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 23,200 | € 5,809 | € 4,896 | € 2,438 | ▼ 50% |
| Profit after taxes | € 10,786 | € -6,281 | € -6,603 | € -2,076 | ▲ € 4,527 |
| Equity | € -29,158 | € -35,439 | € -42,042 | € -44,118 | ▼ € 2,076 |
| Total debts | € 128,786 | € 194,609 | € 70,443 | € 63,553 | ▼ 10% |
| Cash | € 19,929 | € 135,670 | € 5,620 | € 691 | ▼ 88% |
| Land & buildings | € 20,003 | € 18,052 | € 17,565 | € 15,615 | ▼ 11% |
| Retained profit | € -60,145 | € -66,426 | € -73,028 | € -75,104 | ▼ € 2,076 |
| Bank debt | € 125,000 | € 125,000 | € 0 | € 0 | |
| Balance sheet total | € 99,628 | € 159,170 | € 28,402 | € 19,435 | ▼ 32% |
Key figures of GEST - CREDIT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
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 2025: loss of € 2,076. filed late Source: NBB ↗
- New establishment in Nassogne. KBO
- Start of the company according to the CBE. KBO
In short
From € 10,786 profit in 2022 to € 2,076 loss in 2025.
Paid € 3,383 in corporate taxes since 2022.
Best year ever: 2022, with € 10,786 profit.
Management
Behind GEST - CREDIT are Fabrice LAFFINEUR, Bernadette GODEFROID and Bruno LAFFINEUR.
Directors
According to the 2025 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