Losses
-€12,131 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
GABRIEL
Lifetime
20 annual accounts with figures on one time axis, 26 filings since 2000peak €58,610 (2015)
-€4,306▼ €20,083
lowest -€30,257 (2008)
-€5,096▲ €1,939
peak €65,110 (2023)
€53,118▼ 8.8%
€19,807▼ 38.2%
peak 3.3 FTE (2006)
-not published
Board1 name since 2024
1 directorNEAG Nicusor Gabriel
Owners
90%ISOLMUR
Documentsfilings and deeds
31-07-2026on the last day
2025micro format
Gross margin from €15,777 to -€4,306Loss of €5,096Address strikeout annulled 07-05Debts from €32,056 to €19,807
Key points
from the 2025 annual accountsFilings
26 annual accounts since 2000
Seven of the last ten came late. The 2016 accounts came latest: 225 days after the end of the period.
At the same address
309 companies
Turnover not published (abbreviated or micro format)
Checked score
51
Fair
Financially stronger than 37% of micro companies in specialised construction (NACE 43)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.7% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.7%
01-2025: 0.7%● unchanged vs 12-2024
02-2025: 0.7%● unchanged vs 01-2025
03-2025: 0.3%▼ -0.4 percentage points vs 02-2025lowest value
04-2025: 0.3%● unchanged vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.6%▲ +0.3 percentage points vs 07-2025
09-2025: 0.8%▲ +0.2 percentage points vs 08-2025
10-2025: 4.8%▲ +4.0 percentage points vs 09-2025
11-2025: 4.8%● unchanged vs 10-2025
12-2025: 4.8%● unchanged vs 11-2025
01-2026: 4.8%● unchanged vs 12-2025
02-2026: 5.4%▲ +0.6 percentage points vs 01-2026highest value
03-2026: 5.4%● unchanged vs 02-2026highest value
04-2026: 5.4%● unchanged vs 03-2026
05-2026: 4.8%▼ -0.6 percentage points vs 04-2026
06-2026: 4.6%▼ -0.2 percentage points vs 05-2026
07-2026: 4.7%▲ +0.1 percentage points vs 06-2026
08-2026: 3.1%▼ -1.6 percentage points vs 07-2026
09-2026: 3.1%● unchanged vs 08-2026
10-2026: 3.1%● unchanged vs 09-2026
11-2026: 2.7%▼ -0.4 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Liquidity: current ratio 3.68, cash €160
1 of the last 3 accounts late
3 ex-officio strike-offs in the KBO
lowers risk
Founded in 2000
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 79% of them on solvency, 28% on liquidity, 14% on profitability and 25% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 12,322 companies had the same profile as GABRIEL has now. Each dot stands for 31 companies, two years later.
90.3%
were still trading
8.6%
stopped another way
0.7%
went bankrupt
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of GABRIEL itself is higher: 2.7% within 12 months. It rests on far more data about GABRIEL than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 12,322 companies, not a prediction for GABRIEL. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.68 (2.82 in 2024), above the usual 1.5. Short-term debt is 27.2% and cash 0.2% of total assets. 27.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€5,096
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
57 days late
2023
28 days late
2022
12 days early
2021
31 days early
2020
102 days late
2019
59 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 29 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
raises risk · Administrative warnings in the KBO publications
The FPS Economy published 4 notices about the company, such as a strike-off for address, accounts or UBO, or their withdrawal.
KBO publicationsPublications
Address struck×3Address strikeout annulled
Searched, nothing found (1)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 31 July (4 of the last 5 accounts filed within 31 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Address struck
effective 19-11-2025 · KBO administration
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0469455056
Address strikeout annulled
KBO administration
Address struck
effective 11-09-2024 · KBO administration
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GABRIEL | €72,926 | -€4,306 | 72.8% | - |
| SASO Antwerp | €93,257 | €630 | 95.8% | - |
| SRL JIMMY Messancy | €103,035 | -€2,603 | 62.3% | - |
| BEN.NET Durbuy | €41,578 | -€712 | 26.8% | - |
| ISOBERT Ichtegem | €141,584 | -€2,241 | -3.1% | - |
| MILISSEN INTERIEUR EN HOUTWERK Bilzen-Hoeselt | €68,128 | -€8,622 | 99.6% | - |
| BENISOLE Morlanwelz | €77,360 | -€429 | 20.7% | - |
These companies have the same main activity as GABRIEL: insulation installation (NACE 43230). They are comparable in size and age: total assets between €41,600 and €142,000, founded between 1996 and 2010.
Official details
Source: KBO- Status
- Active since 07-01-2000Normal situation
- Legal form
- Private limited company
- Activity
- Insulation installationNACE 43230
- Establishment unit
- 2.131.828.584since 18-02-2000
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- €72,926▼ 19.2%
- Filing
- Filed on 31-07-2026, on the last day of the filing period
Insights on GABRIEL
GABRIEL files the micro format. That format states no turnover. The gross margin fell from €43,893 in 2006 to -€4,306 in 2025.
ISOLMUR holds 90% of the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about GABRIEL
- What is the company number of GABRIEL?
- The company number of GABRIEL is 0469.455.056. The VAT number is the same number with BE in front: BE 0469.455.056.
- What does GABRIEL do?
- According to the KBO register, the main activity is insulation installation (NACE 43230).
- What is the legal form of GABRIEL?
- GABRIEL is a private limited company (BV).
- When was GABRIEL founded?
- GABRIEL was founded on 07-01-2000.
- Is GABRIEL still active?
- Yes, GABRIEL is an active enterprise in the KBO register.Company details
- What is the turnover of GABRIEL?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it.Financials
- Is GABRIEL profitable?
- In financial year 2025, GABRIEL made a loss of €5,096.
- Where can I find the annual accounts of GABRIEL?
- GABRIEL filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GABRIEL due?
- GABRIEL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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