GABRIEL
ActiveSummary
GABRIEL has been active since 2000 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €53k and a net result of €-5k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 78% of 27965 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability20▼-39
Solvency98▲+9
Growth52=
Track record92
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.68 against 2.82 in 2024; short-term debt: 27.2% and cash: 0.2% of total assets), and 27.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
72.8%
Return on assets
-7%
Age of the figures
9 mo
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 €-5k
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 d late
2023
28 d late
2022
12 d early
2021
31 d early
2020
102 d late
2019
59 d late
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address strikeout annulled
Checked, nothing found (1)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▼ 8.8%
2024 · €58k
2018: €10k
2019: €14k▲ +43.5% vs 2018
2020: €8k▼ -41.8% vs 2019
2021: €3k▼ -59.9% vs 2020lowest in 8 years
2022: €16k▲ +395% vs 2021
2023: €65k▲ +298% vs 2022highest in 8 years
2024: €58k▼ -10.6% vs 2023
2025: €53k▼ -8.8% vs 2024
2018 → 2025
Total assets
€73k▼ 19.2%
2024 · €90k
2018: €43k
2019: €48k▲ +12.4% vs 2018
2020: €37k▼ -22.8% vs 2019
2021: €17k▼ -55.5% vs 2020lowest in 8 years
2022: €60k▲ +260% vs 2021
2023: €92k▲ +54.8% vs 2022highest in 8 years
2024: €90k▼ -2.3% vs 2023
2025: €73k▼ -19.2% vs 2024
2018 → 2025
Net result
€-5k▲ 27.6%
2024 · €-7k
2018: €-5k
2019: €4k▲ +186% vs 2018
2020: €-6k▼ -238% vs 2019
2021: €-5k▲ +16.6% vs 2020
2022: €13k▲ +364% vs 2021
2023: €49k▲ +274% vs 2022highest in 8 years
2024: €-7k▼ -114% vs 2023lowest in 8 years
2025: €-5k▲ +27.6% vs 2024
2018 → 2025
Working capital
€53k▼ 8.8%
2024 · €58k
2018: €9k
2019: €8k▼ -10.1% vs 2018
2020: €3k▼ -59.6% vs 2019
2021: €-6k▼ -299% vs 2020lowest in 8 years
2022: €11k▲ +272% vs 2021
2023: €64k▲ +477% vs 2022highest in 8 years
2024: €58k▼ -8.7% vs 2023
2025: €53k▼ -8.8% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3k-€16k▲ 395%€65k▲ 298%€58k▼ 10.6%€53k▼ 8.8%
2021: €3klowest in 5 years
2022: €16k▲ +395% vs 2021
2023: €65k▲ +298% vs 2022highest in 5 years
2024: €58k▼ -10.6% vs 2023
2025: €53k▼ -8.8% vs 2024
Operating result€-9k-€13k€50k▲ 274%€14k▼ 71.1%€-5k
2021: €-9klowest in 5 years
2022: €13k▲ +257% vs 2021
2023: €50k▲ +274% vs 2022highest in 5 years
2024: €14k▼ -71.1% vs 2023
2025: €-5k▼ -132% vs 2024
Net result€-5k-€13k€49k▲ 274%€-7k€-5k▲ 27.6%
2021: €-5k
2022: €13k▲ +364% vs 2021
2023: €49k▲ +274% vs 2022highest in 5 years
2024: €-7k▼ -114% vs 2023lowest in 5 years
2025: €-5k▲ +27.6% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €14k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €73k
Equity
€53k ▼ 8.8%
Debt
€20k ▼ 38.2%
Debt's share of the balance-sheet total falls from 35.5% to 27.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
3.68▲
2024 · 2.82
Debt to equity
0.37▼
2024 · 0.55
ROE
-9.6%▲
2024 · -12.1%
ROA
-7.0%▲
2024 · -7.8%
Debt ≤ 1 year
€20k▼
2024 · €32k
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 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€90k€73k▼
Current assets29/58€90k€73k▼
Amounts receivable within one year40/41€90k€73k▼
Trade receivables40€21k€14k▼
Other amounts receivable41€69k€58k▼
Cash at bank and in hand54/58€158€160▲
Deferred charges and accrued income490/1-€201
Equity and liabilities
Total equity and liabilities10/49€90k€73k▼
Equity10/15€58k€53k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€40k€35k▼
Amounts payable17/49€32k€20k▼
Amounts payable within one year42/48€32k€20k▼
Trade debts44€13k€13k▼
Suppliers440/4€13k€13k▼
Taxes, remuneration and social security45€17k€5k▼
Taxes450/3€17k€5k▼
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Other operating charges640/8-€386
Gross operating margin9900€16k€-4k▼
Operating profit (loss)9901€14k€-5k▼
Financial charges65/66B€311€404▲
Recurring financial charges65€311€404▲
Profit (loss) for the period before taxes9903€14k€-5k▼
Income taxes67/77€21k-
Profit (loss) for the period9904€-7k€-5k▲
Profit (loss) for the period to be appropriated9905€-7k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€35k▼
Profit (loss) brought forward from the previous period14P€47k€40k▼
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | €13k | - | - | - | - | - |
| Remuneration, social security and pensions62 | - | €3k | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7k | €5k | €5k | €1k | - | - |
| Other operating charges640/8 | €902 | €943 | €2k | - | €386 | - |
| Gross operating margin9900 | €-549 | €23k | €57k | €16k | €-4k | ▼ 127% |
| Operating profit (loss)9901 | €-9k | €13k | €50k | €14k | €-5k | ▼ 132% |
| Financial income75/76B | €4k | - | €0 | - | - | - |
| Recurring financial income75 | €4k | - | €0 | - | - | - |
| Financial charges65/66B | €423 | €317 | €1k | €311 | €404 | ▲ 29.7% |
| Recurring financial charges65 | €423 | €317 | €1k | €311 | €404 | ▲ 29.7% |
| Profit (loss) for the period before taxes9903 | €-5k | €13k | €49k | €14k | €-5k | ▼ 136% |
| Income taxes67/77 | - | - | - | €21k | - | - |
| Profit (loss) for the period9904 | €-5k | €13k | €49k | €-7k | €-5k | ▲ 27.6% |
| Profit (loss) for the period to be appropriated9905 | €-5k | €13k | €49k | €-7k | €-5k | ▲ 27.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17k | €60k | €92k | €90k | €73k | ▼ 19.2% |
| Fixed assets21/28 | €11k | €5k | €1k | - | - | - |
| Tangible fixed assets22/27 | €11k | €5k | €1k | - | - | - |
| Furniture and vehicles24 | €11k | €5k | €1k | - | - | - |
| Current assets29/58 | €6k | €54k | €91k | €90k | €73k | ▼ 19.2% |
| Amounts receivable within one year40/41 | €6k | €52k | €55k | €90k | €73k | ▼ 19.5% |
| Trade receivables40 | - | €5k | €6k | €21k | €14k | ▼ 31.4% |
| Other amounts receivable41 | €6k | €47k | €49k | €69k | €58k | ▼ 15.9% |
| Cash at bank and in hand54/58 | €37 | €2k | €37k | €158 | €160 | ▲ 1.0% |
| Deferred charges and accrued income490/1 | - | - | - | - | €201 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17k | €60k | €92k | €90k | €73k | ▼ 19.2% |
| Equity10/15 | €3k | €16k | €65k | €58k | €53k | ▼ 8.8% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | €19k | €19k | - | - | - | - |
| Issued capital100 | €19k | €19k | - | - | - | - |
| Profit (loss) carried forward14 | €-15k | €-2k | €47k | €40k | €35k | ▼ 12.9% |
| Amounts payable17/49 | €13k | €43k | €27k | €32k | €20k | ▼ 38.2% |
| Amounts payable after more than one year17 | €860 | - | - | - | - | - |
| Financial debts170/4 | €860 | - | - | - | - | - |
| Amounts payable within one year42/48 | €12k | €43k | €27k | €32k | €20k | ▼ 38.2% |
| Current portion of amounts payable after more than one year42 | €5k | €1k | €1k | - | - | - |
| Trade debts44 | - | €42k | €26k | €13k | €13k | ▼ 1.0% |
| Suppliers440/4 | - | €42k | €26k | €13k | €13k | ▼ 1.0% |
| Taxes, remuneration and social security45 | €7k | - | - | €17k | €5k | ▼ 70.2% |
| Taxes450/3 | €7k | - | - | €17k | €5k | ▼ 70.2% |
| Other amounts payable47/48 | - | - | - | €2k | €2k | = |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-5k | €13k | €49k | €-7k | €-5k | ▲ 27.6% |
| + Depreciation and write-downs630 | €7k | €5k | €5k | €1k | - | - |
| Operating cash flow (approximation) | €2k | €18k | €54k | €-6k | €-5k | ▲ 10.8% |
| Investment in fixed assets (approximation) | - | €0 | €-1k | - | - | - |
| Change in cash | - | €2k | €34k | €-36k | €2 | ▲ 100% |
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
07-05
KBO administration
Address strikeout annulled
2024
31-12
Financial
Weakest financial yearnet €-7k
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2018net €49k ▲274%
Operating result €50k, net result €49k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.34
Current ratio from 1.26 to 3.34; short-term debt falls from €43k to €27k.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 1.26
Current ratio from 0.48 to 1.26.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 102 days late
Show earlier events
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 59 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
19-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 50 days late
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 225 days late
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, Sint-Agatha-Berchem · 1 establishment unit since 2000
Ground area
290 m²
Building footprint
293 m²
Volume, LiDAR
2,049 m³
Parcel 21342B0043/00F003, Brussels · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
295
companies at this address
See who is registered here
1 establishment unit
ISOFACADE
since 20002.131.828.584
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,271 companies in sector 43230 we hold annual accounts for 1,240. 1,030 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
Founded07-01-2000
Fiscal year end31-12
Activities, NACEBEL 2025
43230Insulation installation
Scores and ratios are computed by Checked and are not a credit decision.