G.R.M.C.
ActiveSummary
G.R.M.C. has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €25k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 34% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+1
Solvency63▼-15
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 0.78 in 2024; short-term debt: 55.4% and cash: 4.5% of total assets), but 61.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
38.4%
Return on assets
18.2%
Age of the figures
9 mo
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 10-04-2026, 112 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
112 d early
2024
90 d early
2023
31 d early
2022
136 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 22.5%
2024 · €68k
2022: €12k
2023: €46k
2024: €68k
2022 → 2025
Total assets
€136k▲ 6.3%
2024 · €128k
2022: €132k
2023: €131k
2024: €128k
2022 → 2025
Net result
€25k▲ 16.2%
2024 · €21k
2022: €17k
2023: €35k
2024: €21k
2022 → 2025
Working capital
€47k
2024 · €-9k
2022: €-48k
2023: €-26k
2024: €-9k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€12k-€46k▲ 297%€68k▲ 46.2%€52k▼ 22.5%
Operating result€26k-€51k▲ 98.9%€33k▼ 36.2%€37k▲ 14.8%
Net result€17k-€35k▲ 112%€21k▼ 39.6%€25k▲ 16.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€14k ▼ 85.5%
Current assets
€122k ▲ 292%
Equity and liabilities €136k
Equity
€52k ▼ 22.5%
Debt
€84k ▲ 38.2%
Debt's share of the balance-sheet total rises from 47.4% to 61.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €46k
Cash flow
€40k▲
2024 · €35k
Current ratio
1.62▲
2024 · 0.78
Debt to equity
1.61▲
2024 · 0.90
ROE
47.4%▲
2024 · 31.6%
ROA
18.2%▲
2024 · 16.6%
Interest coverage
24.04▲
2024 · 19.26
Debt ≤ 1 year
€76k▲
2024 · €40k
Debt > 1 year
€9k▼
2024 · €21k
Income taxes
€10k▲
2024 · €9k
Staff costs
€3k
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€128k€136k▲
Fixed assets21/28€97k€14k▼
Tangible fixed assets22/27€23k€14k▼
Furniture and vehicles24€23k€14k▼
Financial fixed assets28€74k-
Current assets29/58€31k€122k▲
Amounts receivable after more than one year29-€74k
Other amounts receivable291-€74k
Amounts receivable within one year40/41€16k€41k▲
Trade receivables40-€5k
Other amounts receivable41€16k€36k▲
Cash at bank and in hand54/58€14k€6k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€128k€136k▲
Equity10/15€68k€52k▼
Contributions10/11€5k€5k=
Reserves13€10k€10k=
Distributable reserves133€10k€10k=
Profit (loss) carried forward14€53k€37k▼
Amounts payable17/49€61k€84k▲
Amounts payable after more than one year17€21k€9k▼
Financial debts170/4€21k€9k▼
Amounts payable within one year42/48€40k€76k▲
Current portion of amounts payable after more than one year42€24k€23k▼
Trade debts44€482€715▲
Suppliers440/4€482€715▲
Taxes, remuneration and social security45€15k€12k▼
Taxes450/3€15k€12k▼
Remuneration and social security454/9-€214
Other amounts payable47/48-€40k
Income statement
Code20242025
Remuneration, social security and pensions62-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€702€771▲
Gross operating margin9900€47k€56k▲
Operating profit (loss)9901€33k€37k▲
Financial income75/76B€17€55▲
Recurring financial income75€17€55▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€30k€35k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€21k€25k▲
Profit (loss) for the period to be appropriated9905€21k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€77k▲
Profit (loss) brought forward from the previous period14P€31k€53k▲
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1.62
Current ratio from 0.78 to 1.62.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2022net €35k ▲112%
Operating result €51k, net result €35k, both a record.
17-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lontzen · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue Neuve 224710 LontzenGround area
646 m²
Building footprint
131 m²
Volume, LiDAR
791 m³
Parcel 63048D0252/00P003, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
G.R.M.C.
since 20212.320.831.205
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63048D0252/00P003 | Wallonia | 646 m² | 1 · 131 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
ALECTA
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DOOME Marie-José
BE 0634.830.257
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FMB BENELUX
BE 0863.319.202
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2UG boekhouding fiscaliteit
BE 0745.524.974
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DACTIMMO
BE 0861.084.638
Le Roeulx · Eq €52,430
Of 12,173 companies in sector 69201 we hold annual accounts for 7,638. 5,988 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2021
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.