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GAARNE

Active
Private limited company (pre-2019)founded 201511 yrs activeBohemen 101, 9260 Wichelen, BelgiumKBO/BCE: BE 0628.756.869
Summary

The computed 12-month bankruptcy probability of GAARNE is 2.7% (moderate). The 2025 annual accounts show negative equity (-€16,701) and a net result of -€8,154. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 1041 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
GAARNEActiveChecked score 49/100
Risk analysis ReportCompare

Overview

Activity
Pre-press and pre-media services
NACE 18130
1 site
Size
€58,151total assets 2025
Equity
-€16,701
Loss
-€8,154
Turnover not published (abridged schema)
Financial health
49 Fair Checked score 2025
Bankruptcy chance 12 m
2.7%
Structure
Holdings
1
Accounts on time0 of 3 deeds read
Why 49- Loss of €8,154 (FY 2025)- Negative equity -€16,701- Liquidity: current ratio 0.80, cash €90+ Size: total assets €58,151Show the evidence

Checked score

Score 2025
49 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 6% of its sector peers (NACE 18, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0-12
equity -28.7% of total assets
Liquidity 0-2
short-term debt 111.5% · cash 0.2%
Profitability 1-99
return on assets -14.0%
Bankruptcy probability, 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (1,604 companies)
Last 23 months 12-2024: 1.6% 01-2025: 1.6%● 0.0% vs 12-2024 02-2025: 1.6%● 0.0% vs 01-2025 03-2025: 1.6%● 0.0% vs 02-2025 04-2025: 1.6%● 0.0% vs 03-2025 05-2025: 1.6%● 0.0% vs 04-2025 06-2025: 1.6%● 0.0% vs 05-2025 07-2025: 1.6%▲ +1.4% vs 06-2025 08-2025: 1.5%▼ -4.2% vs 07-2025 09-2025: 1.5%▼ -3.6% vs 08-2025 10-2025: 1.4%▼ -2.2% vs 09-2025lowest value 11-2025: 2.8%▲ +95.7% vs 10-2025 12-2025: 2.8%● 0.0% vs 11-2025 01-2026: 2.9%▲ +1.9% vs 12-2025highest value 02-2026: 2.9%● 0.0% vs 01-2026highest value 03-2026: 2.9%● 0.0% vs 02-2026highest value 04-2026: 2.8%▼ -3.3% vs 03-2026 05-2026: 2.7%▼ -1.9% vs 04-2026 06-2026: 2.7%▼ -2.0% vs 05-2026 07-2026: 2.7%▲ +1.2% vs 06-2026 08-2026: 2.6%▼ -4.3% vs 07-2026 09-2026: 2.5%▼ -3.3% vs 08-2026 10-2026: 2.7%▲ +7.2% vs 09-2026
  • Size: total assets €58,151 lowers the probability for this profile
  • Loss of €8,154 (FY 2025) raises the probability
  • Negative equity -€16,701 raises the probability
  • Liquidity: current ratio 0.80, cash €90 raises the probability
No credit on open account
Liquidity short (current ratio 0.8 against 1.02 in 2024; short-term debt: 111.5% and cash: 0.2% of total assets), and equity is negative.
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 18, micro). Better than this share of them on solvency 6%, liquidity 2%, profitability 13%, growth against the median 4%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €58,151
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Loss of €8,154 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity -€16,701
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 0.80, cash €90
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
19202122232425
2019 to 2025 · latest year -€16,701
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
on the day
2024
on the day
2023
4 d early
2022
3 d early
2021
2 d early
2020
51 d late
2019
on the day
← 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 6 days after the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 29 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close03-10-2026 today31-10-2026 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 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Back to profitnet €108,068

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€16,701 View
  • Caution: From profit to loss in 2025after €108,068 in 2024 -€8,154 View
  • Caution: Among the weakest 12% on equitysector median €64,502 · 1,042 companies -€16,701 View
  • Positive: Always filed on timeaccounts within the deadline every year 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€58,151
Loss
-€8,154
Solvency
-28.7%
Total assets▼ 10.2%
Net result
20192025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-10-2026
  1. 31-10-2025Annual accounts filed
  2. 31-10-2024Annual accounts filed
  3. 31-03-2024Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Pre-press and pre-media servicesNACE 18130
Founded
21-04-2015
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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