Debts
€7,778 88% of the balance sheet
Suppliers 64%Taxes and wages 36%
Gaelios
Lifetime
2 annual accounts with figures on one time axispeak €19,776 (2024)
€19,776▲ 237%
peak €496 (2023)
€446▼ 10.0%
peak €1,041 (2024)
€1,041▲ 74.8%
€7,778▼ 32.1%
Board1 name since 2023
1 directorPORTUGAELS Donatienne Fernande Marie
Documentsfilings and deeds
01-07-2026335 days late
2024micro format
Gross margin from €5,872 to €19,776Equity from €596 to €1,041Debts from €11,460 to €7,778Cash from €3,591 to €2,500
Key points
from the 2024 annual accountsStarting capital
€100 100 shares
Position in the sector
€1,041
Less equity than 86% of companies in construction of buildings. Sector median €45,395 · 9,844 companies.
2025 accounts not filed, 103 days past the deadline
Checked score
35
Weak
Financially stronger than 40% of micro companies in construction of buildings (NACE 41)
Probability in this band: 4.2% to 15.0%
Bankruptcy probability within 12 months
6.8% Elevated
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.5% across 13,460 companies (NACE 41, micro).
About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 3.9%
01-2025: 3.8%▼ -0.1 percentage points vs 12-2024
02-2025: 3.8%● unchanged vs 01-2025
03-2025: 3.8%● unchanged vs 02-2025lowest value
04-2025: 4.0%▲ +0.2 percentage points vs 03-2025
05-2025: 4.0%● unchanged vs 04-2025
06-2025: 4.0%● unchanged vs 05-2025
07-2025: 4.1%▲ +0.1 percentage points vs 06-2025
08-2025: 4.6%▲ +0.5 percentage points vs 07-2025
09-2025: 4.9%▲ +0.3 percentage points vs 08-2025
10-2025: 5.7%▲ +0.8 percentage points vs 09-2025
11-2025: 5.7%● unchanged vs 10-2025
12-2025: 6.9%▲ +1.2 percentage points vs 11-2025
01-2026: 9.0%▲ +2.1 percentage points vs 12-2025
02-2026: 9.0%● unchanged vs 01-2026
03-2026: 9.1%▲ +0.1 percentage points vs 02-2026highest value
04-2026: 8.4%▼ -0.7 percentage points vs 03-2026
05-2026: 8.4%● unchanged vs 04-2026
06-2026: 8.3%▼ -0.1 percentage points vs 05-2026
07-2026: 8.4%▲ +0.1 percentage points vs 06-2026
08-2026: 5.8%▼ -2.6 percentage points vs 07-2026
09-2026: 6.2%▲ +0.4 percentage points vs 08-2026
10-2026: 6.8%▲ +0.6 percentage points vs 09-2026
11-2026: 6.8%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
1 financial year not filed after the legal deadline; last filed accounts filed 335 days late; 2 of the last 3 accounts late
Founded in 2023
Figures for financial year 2024 (filed on 01-07-2026)
Sector: Construction of residential and non-residential buildings (NACE 41)
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 41, micro). It does better than 20% of them on solvency, 32% on liquidity, 24% on profitability and 85% on growth.
The bankruptcy probability was computed on 10-11-2026 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 31-12-2024.
Of the companies with a bankruptcy probability in the elevated class on 30-06-2025, 6.3% 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, 7,976 companies had the same profile as Gaelios has now. Each dot stands for 20 companies, two years later.
94.3%
were still trading
1.8%
stopped another way
3.6%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Gaelios itself is higher: 6.8% within 12 months. It rests on far more data about Gaelios than the profile alone.
Test of the method
The method was tested on the 497,448 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 7,976 companies, not a prediction for Gaelios. 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
No publishable credit limit, so credit only on tighter terms
Liquidity is insufficient, with a current ratio of 0.75 (0.82 in 2023), below 1. Short-term debt is 88.2% and cash 28.3% of total assets. 88.2% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
raises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9833 sector peers (2024).
NBB · sector comparisonPosition among 9833 sector peers
Solvency
better than 20%
← weakest
strongest →
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 103 days later.
NBB · 2 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline11-11-2026 today
raises risk · 2024 accounts filed 335 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2026, 335 days past the deadline. Measured on financial year 2023: of the companies more than 90 days late, 5.61% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers.
NBB · 2 filingsDeviation from the deadline
2025
not filed
2024
335 days late
2023
90 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 213 days after the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
Searched, nothing found (1)
Board and ownership
- PORTUGAELS Donatienne Fernande Marie 100 sharesdeed of 19-04-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0800805076
Incorporation
Founding capital of €100, 100 shares · Founder: PORTUGAELS Donatienne Fernande Marie · Appointment: PORTUGAELS Donatienne Fernande Marie (director) · published on 19-04-2023 · Gazette deed
First establishment
Rue Ernest Feron,Bolinne 50, Eghezée
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Gaelios Eghezée | €49,147 | 4.6% | 11.8% | - |
| STAR RENOVATION Wemmel | - | - | -21.4% | - |
| PRT IMMO Waterloo | €213,287 | 5.7% | -30.1% | - |
| CONSTRUCT APREUTESEI BELGIUR Sint-Pieters-Leeuw | - | - | 80.0% | - |
| R&R Antwerp | - | - | -9.2% | - |
| IGOR DAKWERKEN Lubbeek | - | - | 46.6% | - |
| V.S.K. Construct Consulting Ganshoren | - | - | 25.9% | - |
Grey: the largest companies of the sector (construction of buildings (NACE 41)), without their names. Blue: the sector peers from the table.
These companies have the same main activity as Gaelios: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €7,910 and €14,000, founded between 2022 and 2024.
Official details
Source: KBO- Status
- Active since 17-04-2023Normal situation
- Activity
- General construction of residential buildingsNACE 41001and 6 others
- Establishment unit
- 2.347.175.0195310 Eghezée, since 17-04-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 06-01-2026
Insights on Gaelios
The computed 12-month bankruptcy probability of Gaelios is 6.8% (elevated). The 2024 annual accounts show equity of €1,041 and a net result of €446.
Its solvency ranks better than 20% of 9,833 sector peers (NACE 41, financial year 2024). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.
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 Gaelios
- What is the company number of Gaelios?
- The company number of Gaelios is 0800.805.076. The VAT number is the same number with BE in front: BE 0800.805.076.
- Where is Gaelios based?
- The registered office is at Rue Ernest Feron,Bolinne 50, 5310 Eghezée.Company details
- What does Gaelios do?
- According to the KBO register, the main activity is general construction of residential buildings (NACE 41001).
- What is the legal form of Gaelios?
- Gaelios is a private limited company (BV).
- When was Gaelios founded?
- Gaelios was founded on 17-04-2023.
- Is Gaelios still active?
- Yes, Gaelios is an active enterprise in the KBO register.
- What is the turnover of Gaelios?
- The turnover of Gaelios was €49,147 in financial year 2024, according to the filed annual accounts.Financials
- Is Gaelios profitable?
- In financial year 2024, Gaelios made a profit of €446.
- Where can I find the annual accounts of Gaelios?
- Gaelios filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2024.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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