GAMUT
ActiveGAMUT has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.10M and a net result of €-164k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 78% of 13898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-30
Solvency73▲+6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days only on tighter terms
Liquidity short (current ratio 0.8 against 0.53 in 2024), and 30.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
69.2%
Return on assets
-10.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
33 d early
2022
11 d late
2021
40 d late
2020
26 d early
2019
4 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.10M▼ 13.0%
2024 · €1.26M
2018: €177k
2019: €115k
2020: €54k
2021: €-6k
2022: €1.11M
2023: €1.19M
2024: €1.26M
2018 → 2025
Total assets
€1.59M▼ 12.9%
2024 · €1.82M
2018: €603k
2019: €556k
2020: €547k
2021: €483k
2022: €1.65M
2023: €1.63M
2024: €1.82M
2018 → 2025
Net result
€-164k
2024 · €77k
2018: €-61k
2019: €-62k
2020: €-61k
2021: €-60k
2022: €-14k
2023: €80k
2024: €77k
2018 → 2025
Working capital
€-98k▲ 62.4%
2024 · €-260k
2018: €-305k
2019: €-429k
2020: €-464k
2021: €-486k
2022: €-534k
2023: €-379k
2024: €-260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-6k-€1.11M€1.19M▲ 7.3%€1.26M▲ 6.5%€1.10M▼ 13.0%
Operating result€-55k-€-5k▲ 91.0%€89k€94k▲ 6.1%€-156k
Net result€-60k-€-14k▲ 77.2%€80k€77k▼ 4.2%€-164k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €156k after €94k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.20M▼ 21.4%
Current assets
€390k▲ 30.5%
Equity and liabilities €1.59M
Equity
€1.10M▼ 13.0%
Debt
€490k▼ 12.7%
The debt ratio rises from 30.7% to 30.8%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€45k▼
2024 · €179k
Cash flow
€37k▼
2024 · €162k
Solvency
69.2%▼
2024 · 69.3%
Current ratio
0.80▲
2024 · 0.53
Quick ratio
0.08▼
2024 · 0.08
Debt / equity
0.45▲
2024 · 0.44
ROE
-14.9%▼
2024 · 6.1%
ROA
-10.3%▼
2024 · 4.2%
Interest coverage
5.50▼
2024 · 10.36
Debt
€490k▼
2024 · €561k
Debt ≤ 1 year
€488k▼
2024 · €559k
Debt > 1 year
€2k=
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.82M€1.59M▼
Fixed assets21/28€1.53M€1.20M▼
Tangible fixed assets22/27€1.53M€1.20M▼
Land and buildings22€1.50M€1.18M▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€23k€15k▼
Current assets29/58€299k€390k▲
Stocks and contracts in progress3€253k€350k▲
Stocks30/36€253k€350k▲
Amounts receivable within one year40/41€3k€3k▲
Trade receivables40-€3k
Other amounts receivable41€3k€306▼
Cash at bank and in hand54/58€42k€35k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.82M€1.59M▼
Equity10/15€1.26M€1.10M▼
Contributions10/11€470k€470k=
Revaluation surpluses12€1.06M€797k▼
Reserves13€68k€329k▲
Distributable reserves133€68k€329k▲
Profit (loss) carried forward14€-332k€-496k▼
Amounts payable17/49€561k€490k▼
Amounts payable after more than one year17€2k€2k=
Other amounts payable178/9€2k€2k=
Amounts payable within one year42/48€559k€488k▼
Financial debts43€284k€247k▼
Credit institutions430/8€284k€247k▼
Trade debts44€5k€0▼
Suppliers440/4€5k€0▼
Taxes, remuneration and social security45€6k€34k▲
Taxes450/3€6k€34k▲
Other amounts payable47/48€264k€207k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€200k▲
Other operating charges640/8€7k€6k▼
Gross operating margin9900€185k€51k▼
Operating profit (loss)9901€94k€-156k▼
Financial income75/76B€96€48▼
Recurring financial income75€96€48▼
Financial charges65/66B€17k€8k▼
Recurring financial charges65€17k€8k▼
Profit (loss) for the period before taxes9903€77k€-164k▼
Profit (loss) for the period9904€77k€-164k▼
Profit (loss) for the period to be appropriated9905€77k€-164k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-332k€-496k▼
Profit (loss) brought forward from the previous period14P€-409k€-332k▲
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
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-164k ▼313%
Net result drops to €-164k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €80k
Net result €80k after 5 loss-making years.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Equity above €1MEq €1.11M
Equity rises from €-6k to €1.11M.
09-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 40 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Dilbeek · 1 establishment unit since 2016
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.
Maalbeekstraat 51700 DilbeekGround area
244 m²
Building footprint
244 m²
Volume, LiDAR
2,717 m³
Parcel 23016C0030/00B000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GAMUT
since 20162.302.519.979
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016C0030/00B000 | Flanders | 244 m² | 1 · 244 m² | 13.9 m · 4 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
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PROLIMCO
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Immodôme Holding
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VAVIDIN & CO
BE 0429.578.950
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Of 11,700 companies in sector 68310 we hold annual accounts for 6,875. 3,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-1996
Fiscal year end31-12
Activities, NACEBEL
18120Other printing
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.