G&Y
Open bankruptcyA bankruptcy procedure is open for G&Y according to publications in the Belgian State Gazette; curator: Jos MOMBAERS.
Summary
The 2024 annual accounts show equity of €60,636 and a net result of -€2,166.
Are you a creditor?
Open bankruptcy
Source: Belgian Official Gazette
If this company owes you money, you are not paid automatically: you file your claim yourself, within the deadline the judgment sets.
The procedure
- Court
- Enterprise Court of Brussels
- Declared bankrupt
- 24 February 2026
- Supervising judge
- Frank Van Gool
- Official Gazette
- 02-03-2026 (pdf) ↗search the document for 2026/108550
Deadlines
- Provisional date payments stopped
- 24 February 2026A later judgment can change the date.art. XX.105 CEL
- Appeal or third-party opposition until
- passed on 17 March 2026Fifteen days after the publication in the Official Gazette.art. XX.108 CEL
- File the claim in RegSol until
- passed on 26 March 2026art. XX.104 and XX.155 CEL
- First verification report
- passed on 1 April 2026Goods that belong to you, such as those delivered under retention of title, are reclaimed before this day.art. XX.104 and XX.194 CEL
- Late claim until
- 24 February 2027Late, you share only in what has not been paid out yet, and the costs are yours.art. XX.165 CEL
Curator
- Jos MombaersLakensestraat 154 B11, 1000 Brussel 1jos.mombaers@outlook.com
What to do now
- Do not deliver on credit any more without an agreement with the curator.
- Gather your documents: invoices, purchase orders, contract, delivery notes and reminders.
- File your proof of claim in RegSol (regsol.be), yourself with eID or itsme, or through your lawyer. State principal, interest and costs separately, and any preferential right you hold.
- Delivered under retention of title? Reclaim your goods before the first report on the verification of claims.
- Ask your accountant about the VAT on the unpaid invoices: in a bankruptcy it can be recovered under conditions.
- Follow the file in RegSol: the verification report (admitted or disputed) and the curator's reports appear there.
The deadlines above come from the publication of the judgment. Check them in RegSol before you file anything; a passed deadline no longer applies.
File a claim in RegSol ↗
Watch
Follow this bankruptcy: you are alerted when it is closed or reversed.
General information, not legal advice. If in doubt, the curator, your lawyer or your accountant can help.Creditor guide for this company
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€2,166
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 1295 sector peers (2024).
NBB · sector comparisonPosition among 1295 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
57 d late
2022
32 d late
2021
9 d late
2020
31 d late
2019
49 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 40 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
Go further with this company
Who ran this company, and where was it based, on a date before the end?Company as of a date Are there other customers at risk in your own list?List enrichment How is the General construction of residential buildings sector doing?Sector figures
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€2,166▲ 65.7%
2023 · -€6,323
Working capital
€157,439▲ 94.7%
2023 · €80,842
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€805-€3,594▼ 346%€23,617-€6,283-€2,117▲ 66.3%
Net result-€847below the sector's middle half-€3,649below the sector's middle half▼ 331%€23,574within the sector's middle half-€6,323below the sector's middle half-€2,166within the sector's middle half▲ 65.7%
Equity€49,200below the sector's middle half▼ 1.7%€45,552below the sector's middle half▼ 7.4%€69,125below the sector's middle half▲ 51.8%€62,802below the sector's middle half▼ 9.1%€60,636within the sector's middle half▼ 3.4%
Total assets€75,138below the sector's middle half▼ 0.4%€63,594below the sector's middle half▼ 15.4%€567,339within the sector's middle half▲ 792%€477,119within the sector's middle half▼ 15.9%€508,694within the sector's middle half▲ 6.6%
Debt€25,938▲ 2.3%€18,042▼ 30.4%€498,214▲ 2,661%€414,316▼ 16.8%€448,058▲ 8.1%
Working capital€49,200within the sector's middle half▼ 1.7%€45,552within the sector's middle half▼ 7.4%-€17,213below the sector's middle half€80,842within the sector's middle half€157,439within the sector's middle half▲ 94.7%
Solvency65.5%above the sector's middle half▼ 0.9pp71.6%above the sector's middle half▲ 6.1pp12.2%below the sector's middle half▼ 59.4pp13.2%below the sector's middle half▲ 1.0pp11.9%below the sector's middle half▼ 1.2pp
Current ratio2.90above the sector's middle half▼ 0.083.52above the sector's middle half▲ 0.630.97below the sector's middle half▼ 2.561.33within the sector's middle half▲ 0.361.60within the sector's middle half▲ 0.27
Return on assets (ROA)-1.1%below the sector's middle half▼ 34.1pp-5.7%below the sector's middle half▼ 4.6pp4.2%within the sector's middle half▲ 9.9pp-1.3%below the sector's middle half▼ 5.5pp-0.4%below the sector's middle half▲ 0.9pp
Staff (FTE)0.7below the sector's middle half
above
within
below
the middle half (P25 to P75) of NACE 41, Construction of residential and non-residential buildings, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,117 in 2024 against €6,283 in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €508,694
Fixed assets
€90,208 ▼ 39.9%
Current assets
€418,486 ▲ 28.0%
Equity and liabilities €508,694
Equity
€60,636 ▼ 3.4%
Debt
€448,058 ▲ 8.1%
Debt's share of the balance-sheet total rises from 86.8% to 88.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€57,877▲
2023 · €23,796
Cash flow
€57,828▲
2023 · €23,756
Debt to equity
7.39▲
2023 · 6.60
ROE
-3.6%▲
2023 · -10.1%
Interest coverage
1182.36▲
2023 · 603.34
Debt ≤ 1 year
€261,047▲
2023 · €246,075
Debt > 1 year
€184,727▲
2023 · €168,242
Staff costs
€47,900▼
2023 · €86,482
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €5,862 | €86,482 | €47,900 | ▼ 44.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €82 | €30,079 | €59,994 | ▲ 99.5% |
| Other operating charges640/8 | - | €54 | €348 | €732 | €542 | ▼ 25.9% |
| Gross operating margin9900 | -€805 | -€3,540 | €29,909 | €111,009 | €106,319 | ▼ 4.2% |
| Operating profit (loss)9901 | -€805 | -€3,594 | €23,617 | -€6,283 | -€2,117 | ▲ 66.3% |
| Financial income75/76B | - | €0 | - | - | €0 | - |
| Recurring financial income75 | - | €0 | - | - | €0 | - |
| Financial charges65/66B | - | €55 | €44 | €39 | €49 | ▲ 24.1% |
| Recurring financial charges65 | €42 | €55 | €44 | €39 | €49 | ▲ 24.1% |
| Profit (loss) for the period before taxes9903 | -€847 | -€3,649 | €23,574 | -€6,323 | -€2,166 | ▲ 65.7% |
| Profit (loss) for the period9904 | -€847 | -€3,649 | €23,574 | -€6,323 | -€2,166 | ▲ 65.7% |
| Profit (loss) for the period to be appropriated9905 | -€847 | -€3,649 | €23,574 | -€6,323 | -€2,166 | ▲ 65.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €75,138 | €63,594 | €567,339 | €477,119 | €508,694 | ▲ 6.6% |
| Fixed assets21/28 | - | - | €89,918 | €150,202 | €90,208 | ▼ 39.9% |
| Intangible fixed assets21 | - | - | €89,918 | €149,839 | €89,845 | ▼ 40.0% |
| Tangible fixed assets22/27 | - | - | - | €0 | €0 | - |
| Plant, machinery and equipment23 | - | - | - | €0 | €0 | - |
| Financial fixed assets28 | - | - | - | €363 | €363 | = |
| Current assets29/58 | €75,138 | €63,594 | €477,421 | €326,917 | €418,486 | ▲ 28.0% |
| Amounts receivable after more than one year29 | - | €6,570 | €0 | - | - | - |
| Trade receivables290 | - | €6,570 | €0 | - | - | - |
| Stocks and contracts in progress3 | - | - | €250,000 | €0 | - | - |
| Stocks30/36 | - | - | €250,000 | €0 | - | - |
| Amounts receivable within one year40/41 | €65,000 | €56,225 | €221,944 | €313,651 | €414,380 | ▲ 32.1% |
| Trade receivables40 | - | - | €124,369 | €100,467 | €375,499 | ▲ 274% |
| Other amounts receivable41 | - | €56,225 | €97,575 | €213,185 | €38,881 | ▼ 81.8% |
| Cash at bank and in hand54/58 | €108 | €799 | €5,477 | €13,266 | €3,764 | ▼ 71.6% |
| Deferred charges and accrued income490/1 | - | - | - | - | €342 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €75,138 | €63,594 | €567,339 | €477,119 | €508,694 | ▲ 6.6% |
| Equity10/15 | €49,200 | €45,552 | €69,125 | €62,802 | €60,636 | ▼ 3.4% |
| Contributions10/11 | - | €50,000 | €50,000 | €50,000 | €50,000 | = |
| Profit (loss) carried forward14 | -€800 | -€4,448 | €19,125 | €12,802 | €10,636 | ▼ 16.9% |
| Amounts payable17/49 | €25,938 | €18,042 | €498,214 | €414,316 | €448,058 | ▲ 8.1% |
| Amounts payable after more than one year17 | - | - | €3,580 | €168,242 | €184,727 | ▲ 9.8% |
| Other amounts payable178/9 | - | - | €3,580 | €168,242 | €184,727 | ▲ 9.8% |
| Amounts payable within one year42/48 | €25,938 | €18,042 | €494,634 | €246,075 | €261,047 | ▲ 6.1% |
| Trade debts44 | €9,532 | €721 | €135,487 | €194,557 | €42,335 | ▼ 78.2% |
| Suppliers440/4 | - | €721 | €135,487 | €194,557 | €42,335 | ▼ 78.2% |
| Advances received on contracts in progress46 | - | - | - | - | €25,000 | - |
| Taxes, remuneration and social security45 | - | €0 | €0 | €4,242 | €5,878 | ▲ 38.6% |
| Taxes450/3 | - | €0 | €0 | €0 | €2,328 | - |
| Remuneration and social security454/9 | - | - | - | €4,242 | €3,550 | ▼ 16.3% |
| Other amounts payable47/48 | - | €17,321 | €359,147 | €47,275 | €187,834 | ▲ 297% |
| Accrued charges and deferred income492/3 | - | - | - | - | €2,284 | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€847 | -€3,649 | €23,574 | -€6,323 | -€2,166 | ▲ 65.7% |
| + Depreciation and write-downs630 | - | - | €82 | €30,079 | €59,994 | ▲ 99.5% |
| Operating cash flow (approximation) | -€847 | -€3,649 | €23,656 | €23,756 | €57,828 | ▲ 143% |
| Investment in fixed assets (approximation) | - | - | - | -€90,363 | €0 | ▲ 100% |
| Change in cash | - | €691 | €4,679 | €7,788 | -€9,502 | ▼ 222% |
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
2026
02-03
Bankruptcy
Opening
Ondernemingsrechtbank Brussel · event 24-02-2026
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 57 days late
2023
31-12
Financial
Weakest financial yearnet -€6,323
Net result drops to -€6,323, the lowest in the series.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-12
Financial
Back to profitnet €23,574
Net result €23,574 after 2 loss-making years.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 9 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Highest result since 2018net €24,856 ▲262%
Operating result €24,990, net result €24,856, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Dinant · 1 establishment unit since 2015
Ground area
1,687 m²
Building footprint
30 m²
Volume, LiDAR
486 m³
2 parcels, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
G&Y
since 20152.248.960.242
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56057A0079/00Y000 | Wallonia | 1,615 m² | - | - |
| 91034G0167/00A000 | Wallonia | 72 m² | 1 · 30 m² | 17.4 m · 5 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | Jos MOMBAERS LAKENSESTRAAT 154 B11,
1000 BRUSSEL 1 |
24-02-2026 → present |
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Of 29,785 companies in sector 41001 we hold annual accounts for 16,058. 13,194 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded23-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
Phone
0489/130.133Morlanwelz
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.