GCLW

Active

Private limited companyfounded 20224 yrs activeRue de Dour(B-C) 188, 7300 Boussu, BelgiumKBO/BCE: BE 0780.712.616

Summary

GCLW has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20,000 and a net result of €156,508. Equity is growing by ~33.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch Report Compare

GCLWActiveChecked score 64/100

Risk analysis Report Compare

Activity

Activity not known1 site

Size

€1.1mtotal assets 2024

Equity: €20,000
Profit: €156,508

Financial health

64 Healthy Checked score 2024

Bankruptcy chance 12 m: 1.2%

Structure

Parent: Lheureux & Lavenne, assurances · 100%
Holdings: 1

Accounts 65 d overdue0 of 3 deeds read

Why 64- Figures for FY 2024 (filed 12-05-2025)- 1 financial year not filed after the legal deadline; 1 of the last 3 late+ Size: total assets €1.1m+ No main activity registeredShow the evidence

Checked score

Score 2024

64 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Better than 28% of its sector peers (no NACE code, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2023

Weak

Solvency 27=

equity 1.8% of total assets

Liquidity 36=

short-term debt 51.4% · cash 9.8%

Profitability 36+10

return on assets 14.0%

Bankruptcy probability, 12 months

1.2% 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 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%▼ -1.5% vs 12-2024 02-2025: 0.5%▲ +1.7% vs 01-2025 03-2025: 0.5%▲ +1.9% vs 02-2025 04-2025: 0.5%▼ -5.1% vs 03-2025 05-2025: 0.5%▲ +10.6% vs 04-2025 06-2025: 0.3%▼ -37.8% vs 05-2025 07-2025: 0.3%● 0.0% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%▼ -1.6% vs 12-2025 02-2026: 0.3%▲ +4.5% vs 01-2026 03-2026: 0.3%▲ +1.8% vs 02-2026 04-2026: 0.3%▼ -6.3% vs 03-2026lowest value 05-2026: 0.3%▲ +11.2% vs 04-2026 06-2026: 0.4%▲ +15.0% vs 05-2026 07-2026: 0.5%▲ +17.0% vs 06-2026 08-2026: 0.7%▲ +48.8% vs 07-2026 09-2026: 0.8%▲ +13.7% vs 08-2026 10-2026: 1.2%▲ +51.9% vs 09-2026highest value

Size: total assets €1.1m lowers the probability for this profile
Figures for FY 2024 (filed 12-05-2025) raises the probability
No main activity registered lowers the probability
1 financial year not filed after the legal deadline; 1 of the last 3 late raises the probability

Credit up to €1,000 at 30 days acceptable

Liquidity short (current ratio 0.19 against 0.03 in 2023; short-term debt: 51.4% and cash: 9.8% of total assets), and 98.2% 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 (no NACE code, micro). Better than this share of them on solvency 17%, liquidity 20%, profitability 26%, growth against the median 47%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Size: total assets €1.1m

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Figures for FY 2024 (filed 12-05-2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

No main activity registered

In the bankruptcy model this factor lowers the probability.

KBO

1 financial year not filed after the legal deadline; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-05-2025, 90 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

90 d early

2023

34 d early

2022

31 d late

← before the deadline after the deadline →

tick = median of all Belgian filings

This company filed its last 3 accounts on average 31 days before the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.

Checked, nothing found (1)

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

02-05-25 Annual accounts filedfiscal year 2024 · full…
31-12-24 Highest result since 2022net €156,508 ▲158%
27-06-24 Annual accounts filedfiscal year 2023 · full…

Key points

Positive: Result rose in 2024from €60,581 to €156,508 ▲ 158% View
Caution: Accounts not fileddeadline was 31-07-2026 65 d late View
Controlled by Lheureux & Lavenne, assurancesultimately: CUVELIER ASSURANCES 100% View