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Gal-Immo

Active
Public limited companyfounded 198244 yrs activeLenniksesteenweg 462, 1500 Halle, BelgiumKBO/BCE: BE 0422.998.786
Summary

Gal-Immo has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €780,843 and a net result of €82,603. Equity remains stable across the filed fiscal years (±0.9% per year). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
Gal-ImmoActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Activity not known1 site
Size
€1.4mtotal assets 2025
Equity
€780,843
Profit
€82,603
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts 126 d early0 of 6 deeds read
Why 94- No main activity registered- Founded in 1982+ Size: total assets €1.4m+ Figures for FY 2025 (filed 27-03-2026)Show the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (no NACE code, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 80+1
equity 55.4% of total assets
Liquidity 55+1
short-term debt 2.1% · cash 4.1%
Profitability 62+27
return on assets 5.9%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%● 0.0% vs 12-2024lowest value 02-2025: 0.1%▲ +3.8% vs 01-2025 03-2025: 0.1%▲ +3.6% vs 02-2025 04-2025: 0.1%● 0.0% vs 03-2025 05-2025: 0.1%▲ +5.3% vs 04-2025 06-2025: 0.1%▲ +6.7% vs 05-2025 07-2025: 0.1%▲ +79.7% vs 06-2025highest value 08-2025: 0.1%▼ -44.3% vs 07-2025 09-2025: 0.1%● 0.0% vs 08-2025 10-2025: 0.1%● 0.0% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%● 0.0% vs 12-2025 02-2026: 0.1%▲ +3.1% vs 01-2026 03-2026: 0.1%▲ +3.0% vs 02-2026 04-2026: 0.1%▼ -13.2% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%● 0.0% vs 05-2026 07-2026: 0.1%● 0.0% vs 06-2026 08-2026: 0.1%● 0.0% vs 07-2026 09-2026: 0.1%● 0.0% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • Size: total assets €1.4m lowers the probability for this profile
  • No main activity registered raises the probability
  • Founded in 1982 raises the probability for this profile
  • Figures for FY 2025 (filed 27-03-2026) lowers the probability
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 25.47 against 14.16 in 2024; short-term debt: 2.1% and cash: 4.1% of total assets), and 44.6% 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 (no NACE code, micro). Better than this share of them on solvency 48%, liquidity 51%, profitability 41%, growth against the median 69%. 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
lowers risk · Size: total assets €1.4m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · No main activity registered
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Founded in 1982
In the bankruptcy model this factor raises the probability for this profile.
KBO
lowers risk · Figures for FY 2025 (filed 27-03-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €780,843
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 27-03-2026, 126 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
126 d early
2024
20 d early
2023
5 d early
2022
53 d early
2021
32 d early
2020
1 d early
2019
77 d early
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 7 accounts on average 45 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 29 June (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 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. Highest result since 2018net €82,603 ▲899%
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Result rose in 2025from €8,272 to €82,603 ▲ 899% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Positive: 7 profitable years in a rowprofit 2025: €82,603 7 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.4m
Profit
€82,603
Solvency
55.4%
Total assets▲ 8.9%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 27-03-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 11-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Founded
30-06-1982
Year ends
31-12
Peppol
Not found in the Peppol directory
Go to Company details

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