GAMIR
ActiveSummary
The computed 12-month bankruptcy probability of GAMIR is 2.3% (moderate). The 2025 annual accounts show equity of €35k and a net result of €11k. Equity is growing by ~17.8% per year across the filed fiscal years. Its solvency ranks better than 33% of 7453 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-21
Solvency52▼-20
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 3.07 in 2024; short-term debt: 51% and cash: 5% of total assets), and 72.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 09-10-2025, 22 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
22 d early
2024
8 d late
2023
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▼ 27.5%
2024 · €48k
2023: €23k
2024: €48k
2023 → 2025
Total assets
€128k▲ 23.4%
2024 · €104k
2023: €69k
2024: €104k
2023 → 2025
Net result
€11k▼ 58.8%
2024 · €26k
2023: €18k
2024: €26k
2023 → 2025
Working capital
€30k▼ 28.6%
2024 · €43k
2023: €23k
2024: €43k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€23k-€48k▲ 114%€35k▼ 27.5%
Operating result€27k-€34k▲ 27.0%€17k▼ 48.2%
Net result€18k-€26k▲ 46.7%€11k▼ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€33k ▼ 20.3%
Current assets
€96k ▲ 51.5%
Equity and liabilities €128k
Equity
€35k ▼ 27.5%
Debt
€93k ▲ 67.7%
Debt's share of the balance-sheet total rises from 53.4% to 72.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▼
2024 · €35k
Cash flow
€19k▼
2024 · €27k
Current ratio
1.47▼
2024 · 3.07
Debt to equity
2.66▲
2024 · 1.15
ROE
30.3%▼
2024 · 53.3%
ROA
8.3%▼
2024 · 24.8%
Interest coverage
8.61▼
2024 · 30.59
Debt ≤ 1 year
€65k▲
2024 · €21k
Debt > 1 year
€28k▼
2024 · €35k
Income taxes
€4k▼
2024 · €7k
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 · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€104k€128k▲
Fixed assets21/28€41k€33k▼
Tangible fixed assets22/27€41k€32k▼
Leasing and similar rights25€41k€32k▼
Financial fixed assets28€300€300=
Current assets29/58€63k€96k▲
Amounts receivable within one year40/41€55k€90k▲
Trade receivables40-€17k
Other amounts receivable41€55k€73k▲
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1€231-
Equity and liabilities
Total equity and liabilities10/49€104k€128k▲
Equity10/15€48k€35k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€43k€30k▼
Amounts payable17/49€56k€93k▲
Amounts payable after more than one year17€35k€28k▼
Financial debts170/4€35k€28k▼
Amounts payable within one year42/48€21k€65k▲
Current portion of amounts payable after more than one year42€3k€7k▲
Financial debts43-€8k
Credit institutions430/8-€8k
Trade debts44€10k€2k▼
Suppliers440/4€10k€2k▼
Taxes, remuneration and social security45€7k€49k▲
Taxes450/3€7k€49k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€929€8k▲
Other operating charges640/8-€3k
Gross operating margin9900€35k€29k▼
Operating profit (loss)9901€34k€17k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€33k€15k▼
Income taxes67/77€7k€4k▼
Profit (loss) for the period9904€26k€11k▼
Profit (loss) for the period to be appropriated9905€26k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€54k▲
Profit (loss) brought forward from the previous period14P€18k€43k▲
Profit to be distributed694/7-€24k
Return on contributions (dividend)694-€24k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
09-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €11k ▼58.8%
Net result drops to €11k, the lowest in the series.
2024
08-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 8 days late
31-03
Financial
Highest result since 2023net €26k ▲46.7%
Operating result €34k, net result €26k, both a record.
31-03
Financial
Liquidity doublescurrent ratio 3.07
Current ratio from 1.49 to 3.07; short-term debt falls from €46k to €21k.
2023
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Drogenbos · 1 establishment unit since 2021
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.
W.A. Mozartlaan 21620 DrogenbosGround area
1.1 ha
Building footprint
1,160 m²
Volume, LiDAR
9,133 m³
2 parcels, Flanders · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GAMIR
since 20212.323.210.673
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22001A0006/00W002 | Flanders | 1.1 ha | 1 · 794 m² | 13.0 m · 4 fl. |
| 23086E0660/00A000 | Flanders | 797 m² | 1 · 366 m² | 7.7 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
TIMBAT
BE 1006.392.420
Koekelberg · Eq €35,113
SONCK en Zonen Bouwonderneming
BE 0441.873.897
Ninove · Eq €35,124
DESCO CONSTRUCT
BE 0715.442.603
Houthulst · Eq €35,125
RM GIPS
BE 0740.789.196
Etterbeek · Eq €35,143
D.S. Entreprises
BE 0535.585.005
Sint-Agatha-Berchem · Eq €35,158
Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,675 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
Founded01-09-2021
Fiscal year end31-03
Activities, NACEBEL 2025
41001General construction of residential buildings
43320Joinery installation
43341Painting of buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.