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G.C.M

Active
Private limited companyfounded 199036 yrs activeMax Wallerstraat 22, 1190 Vorst, BelgiumKBO/BCE: BE 0441.697.319
Summary

G.C.M has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129,123 and a net result of -€46,048. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 62% of 9523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Risk analysisWatch ReportCompare
G.C.MActiveChecked score 65/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43999NACE 45250
1 site
Size
€237,776total assets 2025
Equity
€129,123
Loss
-€46,048
Financial health
65 Healthy Checked score 2025
Bankruptcy chance 12 m
1.0%
Structure
Board
1 member
Accounts 30 d early1 of 39 deeds read
Why 65- Loss of €46,048 (FY 2025)- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 2.12, cash €1,436, halved+ Size: total assets €237,776Show the evidence

Checked score

Score 2025
65 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 24% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 79-21
equity 54.3% of total assets
Liquidity 28-45
short-term debt 45.7% · cash 0.6%
Profitability 0-92
return on assets -19.4%
Bankruptcy probability, 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,515 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%● 0.0% vs 12-2024 02-2025: 0.3%● 0.0% vs 01-2025 03-2025: 0.3%● 0.0% vs 02-2025 04-2025: 0.4%▲ +8.2% vs 03-2025 05-2025: 0.4%▲ +0.6% vs 04-2025 06-2025: 0.3%▼ -3.4% vs 05-2025 07-2025: 0.4%▲ +8.7% vs 06-2025 08-2025: 0.1%▼ -82.4% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -1.5% vs 12-2025lowest value 02-2026: 0.1%● 0.0% vs 01-2026lowest value 03-2026: 0.1%● 0.0% vs 02-2026lowest value 04-2026: 0.1%▲ +9.2% vs 03-2026 05-2026: 0.1%▲ +5.6% vs 04-2026 06-2026: 0.1%▼ -4.0% vs 05-2026 07-2026: 0.1%▲ +12.5% vs 06-2026 08-2026: 1.0%▲ +1138% vs 07-2026highest value 09-2026: 1.0%● 0.0% vs 08-2026highest value 10-2026: 1.0%● 0.0% vs 09-2026highest value
  • Loss of €46,048 (FY 2025) raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: total assets €237,776 lowers the probability for this profile
  • Liquidity: current ratio 2.12, cash €1,436, halved raises the probability
Credit up to €8,000 at 30 days acceptable
Liquidity ample (current ratio 2.12 against 14.05 in 2024; short-term debt: 45.7% and cash: 0.6% of total assets), and 45.7% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 59%, liquidity 17%, profitability 4%, growth against the median 15%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €46,048 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Size: total assets €237,776
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.12, cash €1,436, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 d early
2024
29 d early
2023
28 d early
2022
45 d early
2021
26 d late
2020
17 d early
2019
59 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 26 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

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. Usually files around 2 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Resignations: LINO MARTINS Oscar (director) and…Appointment: CAETANO SILVA Emilio José…
  3. Weakest financial yearnet -€46,048

Key points

  • Caution: From profit to loss in 2025after €34,300 in 2024 -€46,048 View
  • Caution: Among the weakest 7% on net resultsector median €27,800 · 9,516 companies -€46,048 View
  • Caution: Board changedlatest change 21-04-2026 · 1 in office 1 joined · 2 left View
  • Positive: Always filed on timeaccounts within the deadline every year 4 years View

By topic

Financials

Fiscal year
2025
Total assets
€237,776
Loss
-€46,048
Solvency
54.3%
Total assets▲ 26.7%
Net result
20182025
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 01-07-2026Annual accounts filed
  2. 21-04-2026Resignations: LINO MARTINS Oscar (director) and GOMES…
  3. 31-12-2025Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
30-09-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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