Equity
€6.6m ▲ 0.9%
GESTION - ACHATS - VENTES - COMMERCES paid out €265,000 in dividends. That is 82% of the 2025 profit.
GESTION - ACHATS - VENTES - COMMERCES
Lifetime
20 annual accounts with figures on one time axis, 38 filings since 1988peak €2.5m (2011)
€1.5m▲ 6.1%
lowest -€469,671 (2008)
€324,458▲ 92.1%
peak €7.1m (2017)
€6.6m▲ 0.9%
€4.7m▼ 13.6%
peak 2.6 FTE (2016)
1.2 FTE▼ 42.9%
Board4 names since 2020
4 directorsClayton Mitchell and 3 others
Owners
16.82%MICO
Documentsfilings and deeds
22-07-20269 days before the deadline
2025financial year
Result from €168,894 to €324,458Staff from 2.1 FTE to 1.2 FTEResignations & appointments 14-02Dividend €265,000Cash from €347,745 to €133,801
Key points
from the 2025 annual accountsResult
€324,458 ▲ 92.1%
The result rose in 2025 from €168,894 to €324,458.
Turnover
≈ €1.5m estimated
The accounts state no turnover.
Investments
€172,008 0.2 × depreciation
Green is investment, beige is depreciation.
Filings
38 annual accounts since 1988
The last five annual accounts were filed 9 to 55 days before the end of the period.
Position in the sector
€6.6m
More equity than 82% of companies in real estate. Sector median €942,893 · 5,811 companies.
Checked score
95
Excellent
Financially stronger than 58% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,625 companies (NACE 68, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.1%▼ -0.1 percentage points vs 02-2025
04-2025: 0.2%▲ +0.1 percentage points 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 06-2025highest value
08-2025: 0.2%● unchanged vs 07-2025highest value
09-2025: 0.2%● unchanged vs 08-2025highest value
10-2025: 0.2%● unchanged vs 09-2025highest value
11-2025: 0.2%● unchanged vs 10-2025highest value
12-2025: 0.2%● unchanged vs 11-2025highest value
01-2026: 0.2%● unchanged vs 12-2025highest value
02-2026: 0.2%● unchanged vs 01-2026highest value
03-2026: 0.1%▼ -0.1 percentage points vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026lowest value
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Liquidity: current ratio 0.37, cash €133,801, halved
lowers risk
Size: 1.2 FTE, total assets €11.4m
Founded in 1987
Equity €6.6m (57.5% 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 (NACE 68, micro). It does better than 70% of them on solvency, 51% on liquidity, 64% on profitability and 49% on growth.
The bankruptcy probability was computed on 08-11-2026 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 31-12-2025.
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).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as GESTION - ACHATS - VENTES - COMMERCES has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of GESTION - ACHATS - VENTES - COMMERCES itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for GESTION - ACHATS - VENTES - COMMERCES. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €600,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.37 (0.44 in 2024), below 1. Short-term debt is 12.2% and cash 1.2% of total assets. 42.5% 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 riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 days early
2024
38 days early
2023
55 days early
2022
55 days early
2021
52 days early
2020
46 days early
2019
56 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 44 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · 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 9 June (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
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0431451743
Resignations & appointments
General meeting of 06-12-2024 · Gazette deed
Registered office moved within Liège
New registered office: Rue Sur-la-Fontaine 71, boite 012, 4000 Liège · Previous registered office: Rue Sur-la-Fontaine 100, 4000 Liège · Appointment: Séverine MITCHELL (daily management delegate) · General meeting of 29-01-2024 · Gazette deed
4 directors reappointed
Danielle Colson (managing director), Séverine Mitchell, Clayton Mitchell and Dean Mitchell · General meeting of 02-06-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GESTION - ACHATS - VENTES - COMMERCES Liège | €11.4m | €1.5m | 57.5% | 1.2 |
| Immoco Hasselt | €12.2m | €1.6m | 46.4% | 1 |
| ARCADE Liège | €10.3m | €1.1m | 24.1% | 1 |
| COMPAGNIE FINANCIERE DE NEUFCOUR Fléron | €9.5m | €1.4m | 80.0% | 1.5 |
| FRANIM Verlaine | €15.2m | €1.3m | 82.8% | 1 |
| ENTREPOTS LIBRAMONTOIS Fléron | €11.6m | €1.0m | 14.4% | 1.5 |
| SOCIETE DE GESTION ET DE PROMOTION IMMOBILIERE INTERNATIONALE Seraing | €10.1m | €1.8m | 35.1% | 1.9 |
These companies have the same main activity as GESTION - ACHATS - VENTES - COMMERCES: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €9.5m and €15m, founded between 1983 and 1995.
Official details
Source: KBO- Status
- Active since 19-06-1987Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201and 3 others
- Joint committee
- 323Building management, estate agents and domestic staff · annual accounts 2025
- Establishment units
- 2.031.621.3494000 Liège, since 30-11-1987
- 2.234.548.6164000 Liège, since 01-10-2012
- Financial year end
- 31 December
- Peppol
- Reachable since 17-07-2026
Annual accounts 2025
- €11.4m▼ 5.8%
- Employeeson 31-12-2025
- 2▼ 33.3%
- Filing
- Filed on 22-07-2026, 9 days before the end of the filing period
Insights on GESTION - ACHATS - VENTES - COMMERCES
GESTION - ACHATS - VENTES - COMMERCES has existed since 1987. The gross margin fell from €2.5m in 2011 to €994,699 in 2012 and staff from 2.2 to 0.3 full-time equivalents.
In February 2024, the Official Gazette published the appointment of Séverine MITCHELL as managing director.
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 GESTION - ACHATS - VENTES - COMMERCES
- What is the company number of GESTION - ACHATS - VENTES - COMMERCES?
- The company number of GESTION - ACHATS - VENTES - COMMERCES is 0431.451.743. The VAT number is the same number with BE in front: BE 0431.451.743.
- Where is GESTION - ACHATS - VENTES - COMMERCES based?
- The registered office is at Rue Sur-la-Fontaine 71, 4000 Liège.Company details
- What does GESTION - ACHATS - VENTES - COMMERCES do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of GESTION - ACHATS - VENTES - COMMERCES?
- GESTION - ACHATS - VENTES - COMMERCES is a public limited company (NV).
- When was GESTION - ACHATS - VENTES - COMMERCES founded?
- GESTION - ACHATS - VENTES - COMMERCES was founded on 19-06-1987.
- Is GESTION - ACHATS - VENTES - COMMERCES still active?
- Yes, GESTION - ACHATS - VENTES - COMMERCES is an active enterprise in the KBO register.
- How many employees does GESTION - ACHATS - VENTES - COMMERCES have?
- GESTION - ACHATS - VENTES - COMMERCES had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does GESTION - ACHATS - VENTES - COMMERCES fall under?
- In its 2025 annual accounts, GESTION - ACHATS - VENTES - COMMERCES states joint committee 323 (Building management, estate agents and domestic staff).
- What is the turnover of GESTION - ACHATS - VENTES - COMMERCES?
- The turnover in financial year 2025 is ≈ €1.5m. This figure is estimated from the gross margin of €1.5m and 31 comparable companies (NACE 68201). It probably lies between €1.4m and €1.7m.
- Is GESTION - ACHATS - VENTES - COMMERCES profitable?
- In financial year 2025, GESTION - ACHATS - VENTES - COMMERCES made a profit of €324,458.
- Where can I find the annual accounts of GESTION - ACHATS - VENTES - COMMERCES?
- GESTION - ACHATS - VENTES - COMMERCES filed 38 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GESTION - ACHATS - VENTES - COMMERCES due?
- GESTION - ACHATS - VENTES - COMMERCES must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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