Gaumi
ActiveThe computed 12-month bankruptcy probability of Gaumi is 1.6% (moderate). The 2025 annual accounts show equity of €370k and a net result of €-34k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 88% of 3614 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 3.58 against 3.64 in 2024), and 26.3% 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+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€34k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 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
23 d late
2024
31 d late
2023
21 d late
2022
30 d late
2021
31 d late
2020
24 d late
2019
31 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€370k▼ 8.3%
2024 · €404k
2018: €329k
2019: €415k
2020: €388k
2021: €388k
2022: €414k
2023: €443k
2024: €404k
2018 → 2025
Total assets
€502k▼ 7.8%
2024 · €545k
2018: €557k
2019: €540k
2020: €496k
2021: €530k
2022: €565k
2023: €618k
2024: €545k
2018 → 2025
Net result
€-34k▲ 14.6%
2024 · €-39k
2018: €169k
2019: €86k
2020: €-27k
2021: €658
2022: €26k
2023: €29k
2024: €-39k
2018 → 2025
Working capital
€341k▼ 8.5%
2024 · €373k
2018: €73k
2019: €208k
2020: €384k
2021: €282k
2022: €342k
2023: €405k
2024: €373k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€414k▲ 6.7%€443k▲ 6.9%€404k▼ 8.9%€370k▼ 8.3%
Operating result€-7k-€17k€22k▲ 29.0%€-12k€-42k▼ 263%
Net result€658-€26k▲ 3,872%€29k▲ 9.1%€-39k€-34k▲ 14.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €42k in 2025 against €12k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €502k
Fixed assets
€29k▼ 6.2%
Current assets
€473k▼ 7.9%
Equity and liabilities €502k
Equity
€370k▼ 8.3%
Debt
€132k▼ 6.4%
The debt ratio rises from 25.9% to 26.3%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-40k▼
2024 · €-4k
Cash flow
€-32k▲
2024 · €-32k
Solvency
73.7%▼
2024 · 74.1%
Current ratio
3.58▼
2024 · 3.64
Quick ratio
3.58▼
2024 · 3.64
Debt / equity
0.36▲
2024 · 0.35
ROE
-9.1%▲
2024 · -9.8%
ROA
-6.7%▲
2024 · -7.2%
Interest coverage
-253.16▼
2024 · -22.19
Debt
€132k▼
2024 · €141k
Debt ≤ 1 year
€132k▼
2024 · €141k
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€545k€502k▼
Fixed assets21/28€31k€29k▼
Tangible fixed assets22/27€16k€14k▼
Plant, machinery and equipment23€15k€13k▼
Furniture and vehicles24€696€464▼
Other tangible fixed assets26€354-
Financial fixed assets28€15k€15k=
Current assets29/58€514k€473k▼
Amounts receivable within one year40/41€504k€460k▼
Trade receivables40€180k€105k▼
Other amounts receivable41€323k€356k▲
Cash at bank and in hand54/58€10k€13k▲
Equity and liabilities
Total equity and liabilities10/49€545k€502k▼
Equity10/15€404k€370k▼
Contributions10/11€250k€250k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€129k€95k▼
Amounts payable17/49€141k€132k▼
Amounts payable within one year42/48€141k€132k▼
Trade debts44€122k€126k▲
Suppliers440/4€122k€126k▲
Advances received on contracts in progress46€19k-
Taxes, remuneration and social security45€59€6k▲
Taxes450/3€59€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€115€356▲
Gross operating margin9900€-4k€-39k▼
Operating profit (loss)9901€-12k€-42k▼
Financial income75/76B€5k€8k▲
Recurring financial income75€5k€8k▲
Financial charges65/66B€192€157▼
Recurring financial charges65€192€157▼
Profit (loss) for the period before taxes9903€-7k€-34k▼
Income taxes67/77€33k-
Profit (loss) for the period9904€-39k€-34k▲
Profit (loss) for the period to be appropriated9905€-39k€-34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€129k€95k▼
Profit (loss) brought forward from the previous period14P€168k€129k▼
The notes to these accounts (6 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 23 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-39k ▼238%
Net result drops to €-39k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €658
Net result €658 after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 24 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.67
Current ratio from 1.33 to 2.67; short-term debt falls from €224k to €125k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostende · 1 establishment unit since 2014
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.
Wapenplein 128400 OostendeGround area
69 m²
Parcel 35013A0344/02A000, Flanders. Linked by address, not a title deed.
1 establishment unit
Fifth Avenue
since 20142.228.348.732
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A0344/02A000 | Flanders | 69 m² | - | - |
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
4PORTUGAL
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OSEYO
BE 0819.662.965
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COYOTE
BE 0889.102.889
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MetSmaak
BE 0712.777.279
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SHANGHAI KORTRIJK
BE 0644.951.812
Kortrijk · Eq €372k
Of 20,231 companies in sector 56111 we hold annual accounts for 11,313. 7,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2014
Fiscal year end31-12
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56210Event catering
56220Contract catering and other food service activities
56290Food and beverage service activities
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.