G&M ISOLATION
ActiveSummary
The computed 12-month bankruptcy probability of G&M ISOLATION is 2.7% (moderate). The 2025 annual accounts show equity of €81k and a net result of €55k. The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability83▼-10
Solvency51▲+4
Growth78
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.26 in 2024; short-term debt: 73.5% and cash: 3.5% of total assets), and 73.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
26.5%
Return on assets
18%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
30 d late
2024
40 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 213%
2024 · €26k
2024: €26k
2025: €81k▲ +213% vs 2024
2024 → 2025
Total assets
€307k▲ 154%
2024 · €121k
2024: €121k
2025: €307k▲ +154% vs 2024
2024 → 2025
Net result
€55k▲ 141%
2024 · €23k
2024: €23k
2025: €55k▲ +141% vs 2024
2024 → 2025
Working capital
€80k▲ 226%
2024 · €25k
2024: €25k
2025: €80k▲ +226% vs 2024
2024 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€26k-€81k▲ 213%
2024: €26k
2025: €81k▲ +213% vs 2024
Operating result€23k-€80k▲ 244%
2024: €23k
2025: €80k▲ +244% vs 2024
Net result€23k-€55k▲ 141%
2024: €23k
2025: €55k▲ +141% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 244% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307k
Fixed assets
€2k =
Current assets
€306k ▲ 156%
Equity and liabilities €307k
Equity
€81k ▲ 213%
Debt
€226k ▲ 138%
Debt's share of the balance-sheet total falls from 78.5% to 73.5%. Equity and debt are higher.
Key figures and ratios
Current ratio
1.35▲
2024 · 1.26
Debt to equity
2.77▼
2024 · 3.64
ROE
68.0%▼
2024 · 88.5%
ROA
18.0%▼
2024 · 19.1%
Debt ≤ 1 year
€226k▲
2024 · €95k
Income taxes
€25k
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 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€121k€307k▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€119k€306k▲
Amounts receivable within one year40/41€95k€295k▲
Trade receivables40€42k€65k▲
Other amounts receivable41€53k€230k▲
Cash at bank and in hand54/58€25k€11k▼
Equity and liabilities
Total equity and liabilities10/49€121k€307k▲
Equity10/15€26k€81k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€23k€78k▲
Amounts payable17/49€95k€226k▲
Amounts payable within one year42/48€95k€226k▲
Trade debts44€95k€202k▲
Suppliers440/4€95k€202k▲
Taxes, remuneration and social security45-€24k
Taxes450/3-€24k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k-
Other operating charges640/8€179€163▼
Gross operating margin9900€28k€80k▲
Operating profit (loss)9901€23k€80k▲
Financial charges65/66B€280€98▼
Recurring financial charges65€280€98▼
Profit (loss) for the period before taxes9903€23k€80k▲
Income taxes67/77-€25k
Profit (loss) for the period9904€23k€55k▲
Profit (loss) for the period to be appropriated9905€23k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€78k▲
Profit (loss) brought forward from the previous period14P-€23k
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | - | - |
| Other operating charges640/8 | €179 | €163 | ▼ 8.7% |
| Gross operating margin9900 | €28k | €80k | ▲ 182% |
| Operating profit (loss)9901 | €23k | €80k | ▲ 244% |
| Financial charges65/66B | €280 | €98 | ▼ 65.0% |
| Recurring financial charges65 | €280 | €98 | ▼ 65.0% |
| Profit (loss) for the period before taxes9903 | €23k | €80k | ▲ 248% |
| Income taxes67/77 | - | €25k | - |
| Profit (loss) for the period9904 | €23k | €55k | ▲ 141% |
| Profit (loss) for the period to be appropriated9905 | €23k | €55k | ▲ 141% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €121k | €307k | ▲ 154% |
| Fixed assets21/28 | €2k | €2k | = |
| Financial fixed assets28 | €2k | €2k | = |
| Current assets29/58 | €119k | €306k | ▲ 156% |
| Amounts receivable within one year40/41 | €95k | €295k | ▲ 211% |
| Trade receivables40 | €42k | €65k | ▲ 55.1% |
| Other amounts receivable41 | €53k | €230k | ▲ 337% |
| Cash at bank and in hand54/58 | €25k | €11k | ▼ 56.3% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €121k | €307k | ▲ 154% |
| Equity10/15 | €26k | €81k | ▲ 213% |
| Contributions10/11 | €3k | €3k | = |
| Profit (loss) carried forward14 | €23k | €78k | ▲ 241% |
| Amounts payable17/49 | €95k | €226k | ▲ 138% |
| Amounts payable within one year42/48 | €95k | €226k | ▲ 138% |
| Trade debts44 | €95k | €202k | ▲ 113% |
| Suppliers440/4 | €95k | €202k | ▲ 113% |
| Taxes, remuneration and social security45 | - | €24k | - |
| Taxes450/3 | - | €24k | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €23k | €55k | ▲ 141% |
| + Depreciation and write-downs630 | €5k | - | - |
| Operating cash flow (approximation) | €28k | €55k | ▲ 97.6% |
| Investment in fixed assets (approximation) | - | €0 | - |
| Change in cash | - | €-14k | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
NBB filing
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Asse · 1 establishment unit since 2023
Ground area
1,304 m²
Building footprint
273 m²
Volume, LiDAR
2,702 m³
2 parcels, Brussels, Flanders · tallest building 21.2 m, ±6 floors. Linked by address, not a title deed.
73
companies at this address
See who is registered here
1 establishment unit
G&M ISOLATION
since 20232.345.833.449
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21804D1535/00A000 | Brussels | 935 m² | 1 · 106 m² | 21.2 m · 6 fl. |
| 23322E0103/00N000 | Flanders | 369 m² | 1 · 167 m² | 10.1 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company
Founded01-06-2023
Fiscal year end31-12
Scores and ratios are computed by Checked and are not a credit decision.