ACTIVE

GNCI

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Financial year 2024 · closed on 31/12/2024

Net result

329,4 k €

+159.6% YoY

Gross margin

646,6 k €

+13.0% YoY

Equity

450,1 k €

-45.5% YoY

What does GNCI do?

GNCI is a Private limited company incorporated in 1988. Its main activity is: Other activities auxiliary to financial services, except insurance and pension funding. Its registered office is in Namur.

Legal situation

● Normal situation

BCE/KBO no. / VAT

BE 0436.360.537

Incorporation

10/11/1988

Legal form

Private limited company

Registered office

Rue de Jausse(NN) 101
5100 Namur · WallonieSee on map

Contributed capital

2 572,27 €

Latest accounts

31/12/2024

Activities (NACE)

66191Other activities auxiliary to financial services, except insurance and pension funding· main 66191Other activities auxiliary to financial services, except insurance and pension funding 66220Activities of insurance agents and brokers

Joint committees (1)

Signals

ProfitableSolid equityLow riskGood liquidityPositive cashflowPositive EBITDAHealthy social debts

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✦ Verdict · Analyst summary

Financials

Trend over 19 financial years

	2024		2023		2022		2021		2020		2019		2018		2017		2016		2015		2014		2013		2012		2011		2010		2009		2008		2007		2006
Income statement
Gross margin	646,6 k €	+13.0%	572,3 k €	+21.5%	471,2 k €	+161%	180,5 k €	-14.9%	212 k €	-4.3%	221,5 k €	+4.2%	212,5 k €	-4.7%	223 k €	+19.8%	186,2 k €	-4.2%	194,3 k €	+42.4%	136,4 k €	+4.0%	131,1 k €	+4.9%	125 k €	+14.2%	109,5 k €	+13.6%	96,4 k €	-4.1%	100,5 k €	-5.7%	106,6 k €	-5.5%	112,8 k €	+13.7%	99,2 k €
EBITDA	443,2 k €	+21.3%	365,5 k €	+23.4%	296,2 k €	+312%	71,9 k €	-35.9%	112,2 k €	-5.9%	119,2 k €	+6.3%	112,2 k €	-5.6%	118,9 k €	+32.9%	89,5 k €	-23.8%	117,4 k €	+55.6%	75,5 k €	+6.5%	70,9 k €	-6.9%	76,2 k €	+28.8%	59,1 k €	+33.5%	44,3 k €	-22.4%	57,1 k €	-13.7%	66,2 k €	-3.8%	68,8 k €	+8.8%	63,2 k €
Operating result	415,2 k €	+39.8%	297,1 k €	+26.6%	234,7 k €	+526%	37,5 k €	-42.6%	65,3 k €	-4.1%	68,1 k €	+43.6%	47,4 k €	-15.1%	55,8 k €	+42.2%	39,2 k €	-26.8%	53,6 k €	+109%	25,7 k €	-46.8%	48,3 k €	-8.5%	52,8 k €	+31.7%	40,1 k €	+52.9%	26,2 k €	-24.3%	34,6 k €	-22.7%	44,7 k €	+17.7%	38 k €	+17.1%	32,5 k €
Net result	329,4 k €	+160%	126,9 k €	-20.3%	159,2 k €	+573%	23,6 k €	-45.8%	43,6 k €	+10.1%	39,6 k €	+51.8%	26,1 k €	-31.7%	38,2 k €	+104%	18,7 k €	-33.2%	28 k €	+85.0%	15,1 k €	-55.6%	34,1 k €	-13.5%	39,5 k €	+50.8%	26,2 k €	+68.0%	15,6 k €	-56.4%	35,7 k €	+27.4%	28 k €	+45.4%	19,3 k €	+33.7%	14,4 k €
Balance sheet
Equity	450,1 k €	-45.5%	826,2 k €	+14.1%	724,3 k €	+20.3%	602,1 k €	+0.9%	596,5 k €	+0.1%	595,8 k €	+7.1%	556,2 k €	+4.9%	530,1 k €	+7.8%	492 k €	+4.0%	473,2 k €	+6.3%	445,2 k €	+3.5%	430,1 k €	+8.6%	396 k €	+11.1%	356,5 k €	+7.9%	330,4 k €	+4.9%	314,8 k €	+12.8%	279,1 k €	+11.2%	251 k €	+8.3%	231,7 k €
Total assets	549,3 k €	-52.9%	1,2 M €	+10.8%	1,1 M €	+19.3%	882,1 k €	-5.9%	937,4 k €	+3.7%	904,2 k €	+0.7%	897,7 k €	+0.5%	893,3 k €	+6.7%	837,4 k €	-3.1%	864,6 k €	+2.7%	842,1 k €	+51.9%	554,3 k €	+0.0%	554,1 k €	+9.6%	505,5 k €	+2.2%	494,6 k €	-20.6%	623,3 k €	+2.5%	608,3 k €	+1.7%	598,1 k €	-1.8%	608,8 k €
Cash	356,5 k €	+228%	108,8 k €	-74.5%	426,1 k €	-12.6%	487,5 k €	+99.5%	244,4 k €	-18.5%	300 k €	+18.9%	252,3 k €	+18.1%	213,6 k €	+33.3%	160,2 k €	+51.3%	105,9 k €	-42.8%	185,1 k €	-5.8%	196,5 k €	+10.0%	178,7 k €	+16.1%	153,9 k €	+6.2%	144,8 k €	-1.0%	146,4 k €	-39.2%	240,6 k €	+63.6%	147 k €	+16.5%	126,2 k €
Debts	69,1 k €	-79.7%	340,1 k €	+3.7%	327,9 k €	+17.2%	279,7 k €	-18.0%	341 k €	+10.6%	308,3 k €	-9.7%	341,4 k €	-6.0%	363,1 k €	+5.1%	345,4 k €	-11.7%	391,3 k €	-1.4%	396,9 k €	+220%	124,2 k €	-21.5%	158,1 k €	+6.1%	149 k €	-9.3%	164,3 k €	-46.8%	308,5 k €	-6.3%	329,2 k €	-5.2%	347,1 k €	-7.7%	376 k €
Other
Workforce	–		–		–		–		–		–		–		–		2,2 ETP	+15.8%	1,9 ETP	+18.7%	1,6 ETP	-5.9%	1,7 ETP	+6.2%	1,6 ETP	-5.9%	1,7 ETP	0.0%	1,7 ETP	0.0%	1,7 ETP	+325%	0,4 ETP	-63.6%	1,1 ETP	+10.0%	1,0 ETP

Estimate

Indicative valuation

As an indication, this company is worth

between 1 M€ and 2,5 M€

See the valuation

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 7 ended

Active mandates

vicaphi

Director · since 12 mars 2025 · 1020.020.920

Represented by Philippe BIHAIN

Active

Ended mandates

Eric Fontaine

Director · since 06 janvier 1995

Ended

Guy Fontaine

Manager · since 06 janvier 1995

Ended

Monique Marx

Director · since 06 janvier 1995

Ended

Guy FONTAINE

Director · since 19 avril 1989

Ended

At this address

Other companies at this address

Company	CBE no.
Unité VICAPHI● Active	1023.371.180
vicaphi● Active	1020.020.920

Annual accounts

Full financial information

	2024	2023	2022	2021	2020	2019
Type of account	Micro model	Micro model	Micro model	Micro model	Micro model	Abridged model
Start of the financial year	01/01/2024	01/01/2023	01/01/2022	01/01/2021	01/01/2020	01/01/2019
Closing of the financial year	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020	31/12/2019
Length of the financial year	12 months	12 months	12 months	12 months	12 months	12 months
Filing date	30/08/2025	30/08/2024	13/10/2023	31/08/2022	26/08/2021	04/11/2020
General meeting	27/06/2025	10/07/2024	30/06/2023	24/06/2022	30/06/2021	07/09/2020
Currency of the financial year	EUR	EUR	EUR	EUR	EUR	EUR
NBB quality label	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls	Satisfying controls

Ratios

Financial ratios

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Filings

Annual accounts filings

20 filings with the NBB

Model	Closing	General meeting	Filed	Language	Document
Micro model	31/12/2024	27/06/2025	30/08/2025	French	PDF
Micro model	31/12/2023	10/07/2024	30/08/2024	French	PDF
Micro modelCorrection	31/12/2022	30/06/2023	13/10/2023	French	PDF
Micro model	31/12/2022	30/06/2023	31/08/2023	French	PDF
Micro model	31/12/2021	24/06/2022	31/08/2022	French	PDF
Micro model	31/12/2020	30/06/2021	26/08/2021	French	PDF
Abridged model	31/12/2019	07/09/2020	04/11/2020	French	PDF
Abridged model	31/12/2018	20/05/2019	28/08/2019	French	PDF
Abridged model	31/12/2017	21/05/2018	30/08/2018	French	PDF
Abridged model	31/12/2016	15/05/2017	28/08/2017	French	PDF
Abridged model	31/12/2015	16/05/2016	31/08/2016	French	PDF
Abridged model	31/12/2014	18/05/2015	02/09/2015	French	PDF
Abridged model	31/12/2013	19/05/2014	25/08/2014	French	PDF
Abridged model	31/12/2012	20/05/2013	27/08/2013	French	PDF
Abridged model	31/12/2011	13/08/2012	31/08/2012	French	PDF
Abridged model	31/12/2010	16/05/2011	29/08/2011	French	PDF
Abridged model	31/12/2009	17/05/2010	23/08/2010	French	PDF
Abridged model	31/12/2008	21/05/2009	27/07/2009	French	PDF
Abridged model	31/12/2007	21/05/2008	22/08/2008	French	PDF
Abridged model	31/12/2006	21/05/2007	31/07/2007	French	PDF

Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 1 M€ and 2,5 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan

Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2024 · 1 active · 7 ended

Active mandates

vicaphi

Director · since 12 mars 2025 · 1020.020.920

Represented by Philippe BIHAIN

Active

Ended mandates

Eric Fontaine

Director · since 06 janvier 1995

Ended

Guy Fontaine

Manager · since 06 janvier 1995

Ended

Monique Marx

Director · since 06 janvier 1995

Ended

Guy FONTAINE

Director · since 19 avril 1989

Ended

Shareholders

Ownership and network

Looking for more information about this company?

Try for 7 days

Belgian Official Gazette

Belgian Official Gazette publications

Restructuring17/06/2026
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Mandates20/08/2025
DEMISSIONS, NOMINATIONS
PDF
Restructuring02/04/2025
CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Restructuring05/02/2025
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...) - DIVERS
PDF
Restructuring22/08/2024
CAPITAL, ACTIONS - RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...) - DIVERS
PDF
Restructuring27/06/2024
RUBRIQUE RESTRUCTURATION (FUSION, SCISSION, TRANSFERT PATRIMOINE, ETC...)
PDF
Other09/01/2024
STATUTS (TRADUCTION, COORDINATION, AUTRES MODIFICATIONS, ) - MODIFICATION FORME JURIDIQUE
PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

2024
Annual accounts 2024329,4 k €↑
2024
Name changeGNCI
2023
Annual accounts 2023126,9 k €↓
2022
Annual accounts 2022159,2 k €↑
2021
Annual accounts 202123,6 k €↓
2021
Name changeJUCO FINANCE
2020
Annual accounts 202043,6 k €↑
2019
Annual accounts 201939,6 k €↑
2018
Annual accounts 201826,1 k €↓
2017
Annual accounts 201738,2 k €↑
2016
Annual accounts 201618,7 k €↓
2015
Annual accounts 201528 k €↑
2014
Annual accounts 201415,1 k €↓
2013
Annual accounts 201334,1 k €↓
2012
Annual accounts 201239,5 k €↑
2011
Annual accounts 201126,2 k €↑
2010
Annual accounts 201015,6 k €↓
2009
Annual accounts 200935,7 k €↑
2008
Annual accounts 200828 k €↑
2007
Annual accounts 200719,3 k €↑
2006
Annual accounts 200614,4 k €
10/11/1988
IncorporationPrivate limited company

10/15	1 240 000	1 180 000	1 050 000
70	8 630 000	8 120 000	7 940 000
9904	412 000	388 000	301 000
17/49	2 970 000	3 140 000	3 380 000
9087	24,3	23,1	21,8

GNCI

Overview

What does GNCI do?

Trend over 19 financial years

Indicative valuation

Board of directors

Other companies at this address

Financials

Full financial information

Financial ratios

Annual accounts filings

Valuation

Indicative valuation

Directors & structure

Board of directors

Ownership and network

Publications

Belgian Official Gazette publications

Similar companies

Similar companies

Timeline