Financials
- Fiscal year
- 2025
- Total assets
- €1.2m
- Profit
- €53,022
- Solvency
- 98.6%
Garibaldi & Co
ActiveSummary
Garibaldi & Co has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.2m and a net result of €53,022. Equity is growing by ~21.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 4911 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Retail sale of watches and jewellery
NACE 47770NACE 52484
1 site
Size
€1.2mtotal assets 2025
- Equity
- €1.2m
- Profit
- €53,022
Structure
- Board
- 1 member
Accounts 36 d early1 of 3 deeds read
Why 97- 1 change of registered office in 24 months+ Liquidity: current ratio 66.77, cash €571,010+ Equity €1.2m (98.6% of total assets)+ Figures for FY 2025 (filed 25-03-2026)Show the evidence
Checked score
Score 2025
97
/ 100
Excellent
Probability in this band: under 0.55%
Better than 76% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
100=
equity 98.6% of total assets
Liquidity
100=
short-term debt 1.4% · cash 48.5%
Profitability
74-14
return on assets 4.5%
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%
12-2024: < 0.1%● 0.0% vs 11-2024
01-2025: < 0.1%▲ +2.8% vs 12-2024
02-2025: < 0.1%▲ +2.7% vs 01-2025
03-2025: < 0.1%● 0.0% vs 02-2025
04-2025: < 0.1%▲ +18.4% vs 03-2025
05-2025: < 0.1%▼ -33.3% vs 04-2025lowest value
06-2025: < 0.1%● 0.0% vs 05-2025lowest value
07-2025: < 0.1%● 0.0% vs 06-2025lowest value
08-2025: < 0.1%● 0.0% vs 07-2025lowest value
09-2025: < 0.1%● 0.0% vs 08-2025lowest value
10-2025: < 0.1%● 0.0% vs 09-2025lowest value
11-2025: < 0.1%● 0.0% vs 10-2025lowest value
12-2025: < 0.1%● 0.0% vs 11-2025lowest value
01-2026: < 0.1%▲ +3.3% vs 12-2025
02-2026: < 0.1%● 0.0% vs 01-2026
03-2026: < 0.1%● 0.0% vs 02-2026
04-2026: < 0.1%▲ +3.2% 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%▲ +106% vs 06-2026highest value
08-2026: 0.1%● 0.0% vs 07-2026highest value
09-2026: 0.1%● 0.0% vs 08-2026highest value
10-2026: 0.1%▼ -3.0% vs 09-2026
- 1 change of registered office in 24 months raises the probability
- Liquidity: current ratio 66.77, cash €571,010 lowers the probability
- Equity €1.2m (98.6% of total assets) lowers the probability
- Figures for FY 2025 (filed 25-03-2026) lowers the probability
Credit up to €110,000 at 30 days acceptable
Liquidity ample (current ratio 66.77 against 23.99 in 2024; short-term debt: 1.4% and cash: 48.5% of total assets), and 1.4% 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 (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 99%, profitability 60%, growth against the median 51%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
36 d early
2024
28 d early
2023
33 d early
2022
83 d early
2021
50 d early
2020
31 d early
2019
6 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today. Usually files around 25 March (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close06-10-2026 today30-04-2027 deadline
- Resignations: d'URSEL Anita (director) and GARAIN…Appointment: GARAIN Thierry (director) ·…
- Annual accounts filedfiscal year 2025 · full…
- Liquidity triplescurrent ratio 66.77
Key points
- Caution: Result fell in 2025from €180,325 to €53,022 ▼ 70.6% View
- Positive: Among the best 5% on solvencysector median 36.2% · 4,911 companies 98.6% View
- Caution: Board changedlatest change 24-06-2026 · 1 in office 1 joined · 1 left View
- Positive: Always filed on timeaccounts within the deadline every year 8 years View
- Positive: 6 profitable years in a rowprofit 2025: €53,022 6 years View
By topic
Board & ownership
- Board
- 1 member
Go to Board & ownership
Timeline
- Events
- 18
- Since
- 2017
- Next accounts
- by 30-04-2027
- 24-06-2026Resignations: d'URSEL Anita (director) and GARAIN Thierry…
- 25-03-2026Annual accounts filed
- 30-09-2025Liquidity triples
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of watches and jewelleryNACE 47770
- Founded
- 30-05-1995
- Year ends
- 30-09
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 29
- Who signs
- Each director alone
- Annual meeting
- Third Friday of March at 15:00
- Purpose
- L'achat, la vente, l'échange, la fabrication, la représentation, la commission et le…
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