Gamberro

Active

Private limited companyfounded 20196 yrs activeLazarijstraat 68, 3500 Hasselt, BelgiumKBO/BCE: BE 0735.895.646

Summary

The computed 12-month bankruptcy probability of Gamberro is 4.1% (elevated). The 2024 annual accounts show equity of €870 and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 18941 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

54 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability96▲+18

Solvency26▲+21

Growth78▲+20

Track record100

Bankruptcy probability, 12 months

4.1% Elevated

0%0.5%1.5%4%10%≥ 25%

No publishable credit limit; credit only on tighter terms

Liquidity ample (current ratio 1.58 against 0.26 in 2023; short-term debt: 63.2% and cash: 26.1% of total assets), but 98.6% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 2024

Solvency, return and age of the figures

Solvency

1.4%

Return on assets

22.2%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 08-09-2025, 39 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

39 d late

2023

36 d early

2022

25 d early

2021

23 d late

2020

30 d late

← before the deadline after the deadline →

Checked, nothing found (1)

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

Financials · fiscal year 2024, micro schema

Equity

€870

2023 · €-13k

2020: €-6k 2021: €-6k 2022: €-18k 2023: €-13k

2020 → 2024

Total assets

€63k▼ 5.1%

2023 · €66k

2020: €110k 2021: €94k 2022: €71k 2023: €66k

2020 → 2024

Net result

€14k▲ 180%

2023 · €5k

2020: €-26k 2021: €-654 2022: €-12k 2023: €5k

2020 → 2024

Working capital

€23k

2023 · €-31k

2020: €-8k 2021: €-17k 2022: €-32k 2023: €-31k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€-6k-€-6k▼ 11.3%€-18k▼ 179%€-13k▲ 27.6%€870

Operating result€-21k-€1k€-8k€8k€16k▲ 99.5%

Net result€-26k-€-654▲ 97.5%€-12k▼ 1,664%€5k€14k▲ 180%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

After the dip in 2022 the operating result has climbed two years in a row; 2024 is 100% above 2023 and is the highest result in the available series.

Balance-sheet composition

Equity and liabilities €63k

98.6%

Equity €870

Debt €62k

Debt finances 98.6% of the balance-sheet total.

Key figures and ratios

2024 value · change against 2023

EBITDA

€16k▼

2023 · €18k

Cash flow

€14k▼

2023 · €16k

Current ratio

1.58▲

2023 · 0.26

ROA

22.2%▲

2023 · 7.5%

Interest coverage

9.64▲

2023 · 6.44

Debt ≤ 1 year

€40k▼

2023 · €42k

Debt > 1 year

€22k▼

2023 · €37k

Staff costs

€2k▼

2023 · €7k

Equity ratios withheld: equity of €870 is too small for a meaningful ratio.

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 · 2024 against 2023 · 43 lines

Balance sheet Code20232024

Assets

Total assets20/58€66k€63k▼

Fixed assets21/28€55k-

Tangible fixed assets22/27€55k-

Land and buildings22€31k-

Plant, machinery and equipment23€18k-

Furniture and vehicles24€6k-

Current assets29/58€11k€63k▲

Stocks and contracts in progress3€548-

Stocks30/36€548-

Amounts receivable within one year40/41€10k€46k▲

Trade receivables40€10k€46k▲

Other amounts receivable41€4-

Cash at bank and in hand54/58€857€16k▲

Equity and liabilities

Total equity and liabilities10/49€66k€63k▼

Equity10/15€-13k€870▲

Contributions10/11€20k€20k=

Profit (loss) carried forward14€-33k€-19k▲

Amounts payable17/49€79k€62k▼

Amounts payable after more than one year17€37k€22k▼

Financial debts170/4€37k€22k▼

Amounts payable within one year42/48€42k€40k▼

Current portion of amounts payable after more than one year42€15k€15k▼

Trade debts44€18k€14k▼

Suppliers440/4€18k€14k▼

Taxes, remuneration and social security45€5k€1k▼

Taxes450/3€5k€1k▼

Remuneration and social security454/9€757-

Other amounts payable47/48€4k€9k▲

Accrued charges and deferred income492/3€384-

Income statement Code20232024

Remuneration, social security and pensions62€7k€2k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€36▼

Other operating charges640/8€1k€799▼

Gross operating margin9900€26k€19k▼

Operating profit (loss)9901€8k€16k▲

Financial income75/76B€39€6▼

Recurring financial income75€39€6▼

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€5k€14k▲

Profit (loss) for the period9904€5k€14k▲

Profit (loss) for the period to be appropriated9905€5k€14k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-33k€-19k▲

Profit (loss) brought forward from the previous period14P€-38k€-33k▲

The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

2025

08-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 39 days late

2024

31-12

Financial Highest result since 2020net €14k ▲180%

Operating result €16k, net result €14k, both a record.

31-12

Financial Liquidity times 6current ratio 1.58

Current ratio from 0.26 to 1.58; short-term debt falls from €42k to €40k.

25-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €5k

Net result €5k after 3 loss-making years.

06-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

23-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 23 days late

2021

30-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 30 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

3 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, Hasselt · 1 establishment unit since 2019

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Lazarijstraat 683500 Hasselt

Ground area

188 m²

Building footprint

154 m²

Volume, LiDAR

1,272 m³

Parcel 71327G0616/00V004, Flanders · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Gamberro

Lazarijstraat 68, 3500 HasseltFood and beverage service activities

since 20192.295.754.329

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71327G0616/00V004	Flanders	188 m²	1 · 154 m²	11.3 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Jens Van Rompay

BE 1012.896.368

Sint-Katelijne-Waver · Eq €869

Ottignies-Louvain-la-Neuve · Eq €863

Le Moulin de la Dîme

BE 0766.272.977

Libin · Eq €857

Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 1,422 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-10-2019

Fiscal year end31-12

Activities, NACEBEL 2025

56111Full-service restaurants

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.