Equity
€2.4m ▲ 0.6%
GAP - INVEST has made a profit without a break since 2010.
GAP - INVEST
Lifetime
19 annual accounts with figures on one time axis, 35 filings since 1991Gross marginpeak €775,304 (2018)
€44,396▲ 29.8%
Resultlowest -€13,757 (2008)
€14,257▲ 235%
Equitypeak €2.4m (2025)
€2.4m▲ 0.6%
Debts
€558,487▲ 28.8%
Board2 names since 2022
2 directorsAmouzou Ibrahim and 1 other
Owners
100%biblimmo
Documentsfilings and deeds
19-02-202619 days late
2025micro format
Gross margin from €34,202 to €44,396Result from €4,261 to €14,257Debts from €433,705 to €558,487Cash from €5 to €105
Key points
from the 2025 annual accountsFilings
35 annual accounts since 1991
Five of the last ten came late. The 2020 accounts came latest: 30 days after the end of the period.
At the same address
19 companies
Checked score
90
Excellent
Financially stronger than 51% of small companies without a NACE code
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.3%▲ +0.1 percentage points vs 12-2024
02-2025: 0.5%▲ +0.2 percentage points vs 01-2025
03-2025: 0.2%▼ -0.3 percentage points vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.2%● unchanged vs 09-2025
11-2025: 0.2%● unchanged vs 10-2025
12-2025: 0.2%● unchanged vs 11-2025
01-2026: 0.3%▲ +0.1 percentage points vs 12-2025
02-2026: 0.5%▲ +0.2 percentage points vs 01-2026highest value
03-2026: 0.2%▼ -0.3 percentage points vs 02-2026lowest value
04-2026: 0.2%● unchanged vs 03-2026lowest value
05-2026: 0.2%● unchanged vs 04-2026lowest value
06-2026: 0.2%● unchanged vs 05-2026lowest value
07-2026: 0.2%● unchanged vs 06-2026lowest value
08-2026: 0.2%● unchanged vs 07-2026lowest value
09-2026: 0.2%● unchanged vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 1.81, cash €105
lowers risk
Size: total assets €3.0m
Founded in 1990
Equity €2.4m (81.4% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (no NACE code, small). It does better than 82% of them on solvency, 33% on liquidity, 41% on profitability and 50% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Credit verdict
Credit of up to €210,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.81 (2.21 in 2024), above the usual 1.5. Short-term debt is 18.6% and cash 0% of total assets. 18.6% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 19 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-02-2026, 19 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
19 days late
2024
11 days late
2023
23 days early
2022
2 days late
2021
11 days late
2020
30 days late
2019
87 days early
← before the deadline
after the deadline →
tick = median of all Belgian filings
The company filed its last 7 accounts on average 5 days before the deadline. The Belgian median for financial year 2024 was 4 days before the deadline, and 38% of all filings were late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 11 February (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end06-11-2026 today31-01-2027 deadline
Board and ownership
AI
Amouzou Ibrahim
Director
BK
Bakkali Kaoutar
Director
- biblimmo 100%bankruptequity €24.5m (2025) · 2025 annual accounts of biblimmo
Recent changes
Merger proposal: to be absorbed by BIBLIMMO SRL
BIBLIMMO SRL holds all the shares · Gazette deed
First establishment
GAP-INVEST, Quatre Brasstraat 6, Brussels
Incorporation
published on 18-07-1990 · Gazette deed
Official details
Source: KBO- Status
- Active since 22-06-1990Normal situation
- Registered office
- 20 active companies are registered at this addressSource: KBO register, as of 5 November 2026.
- Activity
- “De aankoop, verkoop, bouwen, verbouwen, huur, verhuur en onderverhuur van alle onroerende goederen;” (deed in French)From the articles, 8 activitiesNo NACE code in the KBO yet
- Establishment unit
- 2.049.980.5781000 Brussels, since 19-10-1990
- Financial year end
- 30 June
- Peppol
- Not found in the Peppol Directory
Annual accounts to 30-06-2025
- Turnover
- ≈ €180,000estimated
- Total assets
- €3.0m▲ 1.4%
- Filing
- Filed on 19-02-2026
Insights on GAP - INVEST
GAP - INVEST files the micro format. That format states no turnover. The gross margin fell from €80,789 in 2007 to €44,396 in 2025.
biblimmo holds all the shares. biblimmo is bankrupt.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about GAP - INVEST
- What is the company number of GAP - INVEST?
- The company number of GAP - INVEST is 0441.237.657. The VAT number is the same number with BE in front: BE 0441.237.657.
- Where is GAP - INVEST based?
- The registered office is at Quatre Brasstraat 6, 1000 Brussels.Company details
- What is the legal form of GAP - INVEST?
- GAP - INVEST is a public limited company (NV).
- When was GAP - INVEST founded?
- GAP - INVEST was founded on 22-06-1990.
- Is GAP - INVEST still active?
- Yes, GAP - INVEST is an active enterprise in the KBO register.
- What is the turnover of GAP - INVEST?
- The turnover in financial year 2025 is ≈ €180,000. This figure is estimated from the gross margin of €44,396 and 2,953 comparable companies of the same size. It probably lies between €110,000 and €320,000. It is a rough estimate.Financials
- Is GAP - INVEST profitable?
- In financial year 2025, GAP - INVEST made a profit of €14,257.
- Where can I find the annual accounts of GAP - INVEST?
- GAP - INVEST filed 35 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GAP - INVEST due?
- GAP - INVEST must file the annual accounts for financial year 2026 by 31-01-2027.Timeline
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