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Gabéna

Active
Private limited companyfounded 20251 yr activeRue J. Kurtz 70, 4801 Verviers, BelgiumKBO/BCE: BE 1018.750.616
Summary

Gabéna has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16,922 and a net result of €14,755. Its solvency ranks better than 48% of 16718 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes
Profitability100
Solvency86
Growth-
Track record67
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity ample (current ratio 2.07; short-term debt: 38.6% and cash: 32.3% of total assets), and 38.6% of the assets are financed with debt.
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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 86
Relative position
BE, all sectors
reference
Human health activities (NACE 86)
about 87% fewer bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 1 year 0 10 y
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
61.4%
Return on assets
53.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 03-07-2026, 28 days ahead of the deadline.
NBB · 1 filing
Deviation from the deadline
2025
28 d early
← before the deadline after the deadline →
Checked, nothing found (1)
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

History

Gabéna was incorporated on 15 January 2025 as a Private limited company.1 The company has filed annual accounts once, for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
€16,922
Total assets
€27,575
Net result
€14,755
Working capital
€11,408

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition
Assets €27,575
Fixed assets €5,522
Current assets €22,053
Equity and liabilities €27,575
Equity €16,922
Debt €10,652
Debt finances 38.6% of the balance-sheet total.
Key figures and ratios
2025 value
EBITDA
€21,338
Cash flow
€15,073
Current ratio
2.07
Debt to equity
0.63
ROE
87.2%
ROA
53.5%
Interest coverage
458.87
Debt ≤ 1 year
€10,645
Income taxes
€6,218

Peer companies

Historical observation

Of the 11,279 companies that looked in July 2024 the way this one looks now, 0.7% went bankrupt within 24 months and 97% are still going.

  • Micro
  • under 2 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.7% went bankrupt
2.6% stopped otherwise
97% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 11,279 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 · 39 lines
Balance sheet Code2025
Assets
Total assets20/58€27,575
Fixed assets21/28€5,522
Tangible fixed assets22/27€1,522
Plant, machinery and equipment23€1,522
Financial fixed assets28€4,000
Current assets29/58€22,053
Amounts receivable within one year40/41€12,282
Trade receivables40€12,282
Cash at bank and in hand54/58€8,895
Deferred charges and accrued income490/1€876
Equity and liabilities
Total equity and liabilities10/49€27,575
Equity10/15€16,922
Contributions10/11€3,000
Reserves13€13,922
Distributable reserves133€13,922
Profit (loss) carried forward14€0
Amounts payable17/49€10,652
Amounts payable within one year42/48€10,645
Trade debts44€2,063
Suppliers440/4€2,063
Taxes, remuneration and social security45€7,748
Taxes450/3€7,748
Other amounts payable47/48€833
Accrued charges and deferred income492/3€8
Income statement Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€317
Other operating charges640/8€554
Gross operating margin9900€21,891
Operating profit (loss)9901€21,020
Financial charges65/66B€47
Recurring financial charges65€47
Profit (loss) for the period before taxes9903€20,974
Income taxes67/77€6,218
Profit (loss) for the period9904€14,755
Profit (loss) for the period to be appropriated9905€14,755
Appropriation of the result
Profit (loss) to be appropriated9906€14,755
Transfer to equity691/2€13,922
To other reserves6921€13,922
Profit to be distributed694/7€833
Return on contributions (dividend)694€833

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€317
Other operating charges640/8€554
Gross operating margin9900€21,891
Operating profit (loss)9901€21,020
Financial charges65/66B€47
Recurring financial charges65€47
Profit (loss) for the period before taxes9903€20,974
Income taxes67/77€6,218
Profit (loss) for the period9904€14,755
Profit (loss) for the period to be appropriated9905€14,755
Line2025
Assets
Total assets20/58€27,575
Fixed assets21/28€5,522
Tangible fixed assets22/27€1,522
Plant, machinery and equipment23€1,522
Financial fixed assets28€4,000
Current assets29/58€22,053
Amounts receivable within one year40/41€12,282
Trade receivables40€12,282
Cash at bank and in hand54/58€8,895
Deferred charges and accrued income490/1€876
Equity and liabilities
Total equity and liabilities10/49€27,575
Equity10/15€16,922
Contributions10/11€3,000
Reserves13€13,922
Distributable reserves133€13,922
Profit (loss) carried forward14€0
Amounts payable17/49€10,652
Amounts payable within one year42/48€10,645
Trade debts44€2,063
Suppliers440/4€2,063
Taxes, remuneration and social security45€7,748
Taxes450/3€7,748
Other amounts payable47/48€833
Accrued charges and deferred income492/3€8
Line2025
Profit (loss) for the period9904€14,755
+ Depreciation and write-downs630€317
Operating cash flow (approximation)€15,073

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2026
03-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
0 of 2 acts read
About the unread acts

We know of 2 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
2 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, Verviers · 1 establishment unit since 2025
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 J. Kurtz 704801 Verviers
1 establishment unit
Gabéna
Rue J. Kurtz 70, 4801 VerviersBusiness and other management consultancy
since 20252.368.862.932

Similar companies · same sector, comparable size

Of 9,128 companies in sector 86210 we hold annual accounts for 6,335. 2,983 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
Founded15-01-2025
Fiscal year end31-12
Activities, NACEBEL 2025
86210General medical practice
86951Physiotherapy
E-invoicing
Reachable via Peppol
Peppol ID 0208:1018750616
Also 9925:BE1018750616
Registered 30-08-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.