Gartelo Invest

Active

Private limited companyfounded 2022active for 4 yearsRue de l' Etang 10, 1315 Incourt, BelgiumKBO/BCE: BE 0784.972.203

From the official registers: KBO 4 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

Gartelo Invest has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.3m and a net result of -€934,655. Equity fluctuates too strongly from year to year to read a trend from it. The computed 12-month bankruptcy probability is 0.3% (very low).

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Gartelo InvestActiveChecked score 79/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 20-04-2022 Normal situation
Legal form: Private limited company
Registered office: Rue de l' Etang 10, 1315 Incourt
Activity: No activity registered in the KBO
Establishment unit: 2.331.173.284 1315 Incourt, since 20-04-2022
Financial year end: 31 December
Peppol: Reachable since 06-12-2025

Company details

Board and ownership

Board

DEBUYST RomainDirector · since 20-04-2022

Shareholders

Romain DEBUYSTannual accounts 2022

Holdings: Shares in 1 company Foncière d'Haversin

Board & ownership

Financial position

79 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Annual accounts 2025

Gross margin: -€214,174; ▲ 5.3%
Loss: €934,655
Equity: €3.3m; ▼ 21.9%
Total assets: €33.5m; ▲ 3.5%

2025 accounts filed 31 days after the deadline

Filed on 31-08-2026at the National Bank

Financials

Score breakdownraises riskLast filed accounts filed 31 days late; 1 of the last 3 accounts lateFounded in 2022lowers riskSize: total assets €33.5mNo main activity registeredShow the evidence

Checked score

Score 2025

79 / 100

Excellent

Probability in this band: under 0.55%

Financially stronger than 10% of medium-sized companies without a NACE code

Every signal that counts is listed under Signals.

Financial strength · tick: 2024

Weak

Solvency 35-3

equity 9.9% of total assets

Liquidity 3-2

short-term debt 90.0% · cash 2.6%

Profitability 15-57

return on assets -2.8%

Bankruptcy probability within 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.2%● unchanged vs 02-2025 04-2025: 0.2%● unchanged vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.3%▲ +0.1 percentage points vs 05-2025 07-2025: 0.3%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.1 percentage points vs 07-2025 09-2025: 0.5%▲ +0.1 percentage points vs 08-2025highest value 10-2025: 0.1%▼ -0.4 percentage points vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025 02-2026: 0.2%▲ +0.1 percentage points vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.1%▼ -0.1 percentage points vs 03-2026lowest value 05-2026: 0.2%▲ +0.1 percentage points vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.1 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026

Credit of up to €260,000 on 30-day terms is acceptable

Liquidity is insufficient, with a current ratio of 0.97 (1.0 in 2024), below 1. Short-term debt is 90% and cash 2.6% of total assets. 90.1% of the assets are financed with debt and provisions.

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, medium-sized). It does better than 16% of them on solvency, 6% on liquidity, 7% on profitability and 9% on growth.

The bankruptcy probability was computed on 31-10-2026 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.

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).

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Signals

Five signals.

lowers riskraises risk

Size: total assets €33.5m

Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.

NBB · annual accounts

No main activity registered

KBO

Last filed accounts filed 31 days late; 1 of the last 3 accounts late

NBB · filings

Founded in 2022

Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.

KBO

2025 accounts filed 31 days late

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. 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 · 4 filings

Deviation from the deadline

2025

31 days late

2024

29 days late

2023

28 days late

2022

46 days early

← before the deadline after the deadline →

tick = median of all Belgian filings

The company filed its last 4 accounts on average 11 days after 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)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 August (3 of the last 4 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

That holds for every publication since incorporation in 2022.

KBO publications

Key points

Caution: From profit to loss in 2025after a profit of €4.4m in 2024 -€934,655 View

Documents

Key facts about Gartelo Invest

What is the company number of Gartelo Invest?: The company number of Gartelo Invest is 0784.972.203. The VAT number is the same number with BE in front: BE 0784.972.203.
Where is Gartelo Invest based?: The registered office is at Rue de l' Etang 10, 1315 Incourt.Company details
What is the legal form of Gartelo Invest?: The legal form of Gartelo Invest is Private limited company (BV).
When was Gartelo Invest founded?: Gartelo Invest was founded on 20-04-2022.
Is Gartelo Invest still active?: Yes, Gartelo Invest is an active enterprise in the KBO register.
What is the turnover of Gartelo Invest?: The annual accounts for financial year 2025 state no turnover.Financials
Is Gartelo Invest profitable?: In financial year 2025, Gartelo Invest made a loss of €934,655.
Where can I find the annual accounts of Gartelo Invest?: Gartelo Invest filed 4 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of Gartelo Invest due?: Gartelo Invest must file the annual accounts for financial year 2026 by 31-07-2027.Timeline