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GAJA IMMO

Active
Public limited companyfounded 199926 yrs activeRue Village 50, 4650 Herve, BelgiumKBO/BCE: BE 0467.070.242
Summary

The computed 12-month bankruptcy probability of GAJA IMMO is 2.2% (moderate). The annual accounts of GAJA IMMO for fiscal year 2024 show a net loss of 59% of the equity at the start of that year. The 2024 annual accounts show equity of €9,901 and a net result of -€14,313. Equity is shrinking by ~31.3% per year across the filed fiscal years. Its solvency ranks better than 30% of 18968 sector peers (fiscal year 2024). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.

Risk analysisWatch ReportCompare
GAJA IMMOActiveChecked score 52/100
Risk analysis ReportCompare

Overview

Activity
Full-service restaurants
NACE 56111NACE 55301Full-service restaurants NACE 56101
#7 oldest company in Herve, Accommodation and food service sector1 site
Size
€214,306total assets 2024
Equity
€9,901
Loss
-€14,313
Turnover not published (abridged schema)
Financial health
52 Fair Checked score 2024
Bankruptcy chance 12 m
2.2%
Structure
Accounts 65 d overdue0 of 3 deeds read
Why 52- Figures for FY 2024 (filed 28-08-2025)- Sector Food and beverage service activities (NACE 56)+ Founded in 1999+ Size: total assets €214,306Show the evidence

Checked score

Score 2024
52 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 24% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 30-6
equity 4.6% of total assets
Liquidity 15+7
short-term debt 95.4% · cash 12.0%
Profitability 60=
return on assets -6.7%
Bankruptcy probability, 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,529 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● 0.0% vs 11-2024 01-2025: 0.9%▼ -1.1% vs 12-2024 02-2025: 0.9%● 0.0% vs 01-2025 03-2025: 0.9%● 0.0% vs 02-2025 04-2025: 0.9%▲ +1.8% vs 03-2025 05-2025: 0.9%▼ -3.0% vs 04-2025 06-2025: 0.9%▼ -4.1% vs 05-2025 07-2025: 1.1%▲ +24.4% vs 06-2025 08-2025: 1.6%▲ +49.5% vs 07-2025 09-2025: 0.9%▼ -45.8% vs 08-2025 10-2025: 0.9%● 0.0% vs 09-2025 11-2025: 0.9%● 0.0% vs 10-2025 12-2025: 0.9%● 0.0% vs 11-2025 01-2026: 0.9%▼ -1.0% vs 12-2025 02-2026: 0.9%● 0.0% vs 01-2026 03-2026: 0.9%● 0.0% vs 02-2026 04-2026: 0.9%▲ +1.7% vs 03-2026 05-2026: 0.9%▼ -1.3% vs 04-2026 06-2026: 0.8%▼ -4.1% vs 05-2026lowest value 07-2026: 0.9%▲ +6.9% vs 06-2026 08-2026: 1.5%▲ +63.4% vs 07-2026 09-2026: 1.7%▲ +12.7% vs 08-2026 10-2026: 2.2%▲ +30.6% vs 09-2026highest value
  • Figures for FY 2024 (filed 28-08-2025) raises the probability
  • Founded in 1999 lowers the probability for this profile
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Size: total assets €214,306 lowers the probability for this profile
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.13 against 0.09 in 2023; short-term debt: 95.4% and cash: 12% of total assets), and 95.4% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 29%, liquidity 13%, profitability 41%, growth against the median 13%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Figures for FY 2024 (filed 28-08-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1999
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Size: total assets €214,306
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024
Net result per financial year
18192021222324
2018 to 2024 · latest year -€14,313
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-08-2025, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
28 d late
2023
2 d early
2022
31 d early
2021
31 d early
2020
31 d early
2019
17 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 8 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.

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
  1. Annual accounts filedfiscal year 2024 · micro…
  2. Annual accounts filedfiscal year 2023 · micro…
  3. Annual accounts filedfiscal year 2022 · micro…

Key points

  • Risk: 7 loss-making years in a rowloss fiscal year 2024 -€14,313 View
  • Caution: Among the weakest 15% on net resultsector median €5,294 · 18,948 companies -€14,313 View
  • Caution: Accounts not fileddeadline was 31-07-2026 65 d late View

By topic

Financials

Fiscal year
2024
Total assets
€214,306
Loss
-€14,313
Solvency
4.6%
Total assets▼ 6.0%
Net result
20182024
Go to Financials

Timeline

Events
10
Since
2016
  1. 28-08-2025Annual accounts filed
  2. 29-07-2024Annual accounts filed
  3. 30-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Full-service restaurantsNACE 56111
Founded
14-10-1999
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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