Skip to content

GAFFINA

Active
Public limited companyfounded 199035 yrs activeRue de l'Expansion 21, 4460 Grâce-Hollogne, BelgiumKBO/BCE: BE 0442.736.110
Summary

GAFFINA has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €635,532 and a net result of €17,483. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 93% of 18973 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
GAFFINAActiveChecked score 80/100
Risk analysis ReportCompare

Overview

What they do
Retail sale of hardware, building materials, paint and glass (general range)
NACE 47521NACE 52461
1 site
How big
€714,107total assets 2025
Equity
€635,532
Profit
€17,483
Turnover not published (abridged schema)
Financially healthy?
80 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Who decides
Accounts 31 d early0 of 5 deeds read
Why 80- Higher-failure-rate sector- Higher-failure-rate region+ Long track record+ Annual accounts: healthy financial profile+ Lower-risk legal formLatest accounts filed on timeShow the evidence

Checked score

Score 2025
80 / 100
Excellent
Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability72▼-5
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 9.69 against 3.63 in 2023; short-term debt: 8% and cash: 5.3% of total assets), and 11% of the assets are financed with debt.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 35 years 0 40 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies more bankruptcies →
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
89%
Return on assets
2.4%
Age of the figures
9 mo
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
31 d early
2023
90 d late
2022
53 d late
2021
1 d early
2020
on the day
2019
50 d early
2018
2 d early
← 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 8 days after the deadline; the sector median for financial year 2023 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 31 July (4 of the last 5 filed years within 53 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 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. Liquidity triplescurrent ratio 9.69
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Positive: Among the best 5% on equitysector median €42,136 · 19,007 companies €635,532 View
  • Positive: 7 profitable years in a rowprofit 2025: €17,483 7 years View
  • Active since 1990founded 12-12-1990 35 years View

By topic

Financials

Fiscal year
2025
Total assets
€714,107
Profit
€17,483
Solvency
89.0%
Total assets▼ 7.8%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2016
Next accounts
by 31-07-2027
  1. 30-06-2026Annual accounts filed
  2. 31-12-2025Liquidity triples
  3. 29-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Retail sale of hardware, building materials, paint and…NACE 47521
Founded
12-12-1990
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure