Financials
- Fiscal year
- 2025
- Total assets
- €11,168
- Profit
- €6,594
- Solvency
- 72.5%
Garry Concept
ActiveSummary
Garry Concept has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8,094 and a net result of €6,594. Its solvency ranks better than 80% of 8200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Overview
Activity
General construction of residential buildings
NACE 41001
1 site
Size
€11,168total assets 2025
- Equity
- €8,094
- Profit
- €6,594
Turnover not published (abridged schema)
Structure
Accounts filed 41 d late0 of 1 deed read
Why 68- Founded in 2025- Size: total assets €11,168- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 3.05, cash €6,253Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 88% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength
Strong
Solvency
97
equity 72.5% of total assets
Liquidity
89
short-term debt 27.5% · cash 56.0%
Profitability
100
return on assets 59.0%
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
08-2026: 3.6%
09-2026: 3.7%▲ +2.3% vs 08-2026highest value
10-2026: 1.1%▼ -69.4% vs 09-2026lowest value
- Founded in 2025 raises the probability for this profile
- Liquidity: current ratio 3.05, cash €6,253 lowers the probability
- Size: total assets €11,168 raises the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.05; short-term debt: 27.5% and cash: 56% of total assets), and 27.5% 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 41, micro). Better than this share of them on solvency 81%, liquidity 90%, profitability 92%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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 · 1 filingDeviation from the deadline
2025
41 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 10-09-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 04-07-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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