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Gemmata

Active
Public limited companyfounded 198343 yrs activeHoveniersstraat 2, 2018 Antwerpen, BelgiumKBO/BCE: BE 0423.797.948
Summary

Gemmata has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.0m and a net result of -€591,973. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 74% of 6032 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
GemmataActiveChecked score 82/100
Risk analysis ReportCompare

Overview

Activity
Wholesale of diamonds and other precious stones
NACE 46861Other manufacturing NACE 32121NACE 36221
1 site
Size
€3.6mturnover 2025
Staff
1.6 FTE
Equity
€3.0m
Loss
-€591,973
Financial health
82 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Holdings
2
Accounts filed 28 d late0 of 13 deeds read
Why 82- Loss of €591,973, the second in a row (FY 2025)- Liquidity: current ratio 2.78, cash €5,806, halved+ Founded in 1983+ Size: turnover €3.6m, 1.6 FTE, total assets €4.5mShow the evidence

Checked score

Score 2025
82 / 100
Excellent
Probability in this band: under 0.55%
Better than 34% of its sector peers (NACE 46, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 93-3
equity 67.5% of total assets
Liquidity 36-3
short-term debt 32.4% · cash 0.1%
Profitability 1+1
return on assets -13.2%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,865 companies)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● 0.0% vs 11-2024 01-2025: 0.2%▼ -3.1% vs 12-2024 02-2025: 0.1%▼ -3.8% vs 01-2025 03-2025: 0.1%▼ -2.0% vs 02-2025lowest value 04-2025: 0.2%▲ +11.6% vs 03-2025 05-2025: 0.2%▲ +20.1% vs 04-2025 06-2025: 0.2%▲ +4.6% vs 05-2025 07-2025: 0.2%▲ +7.3% vs 06-2025 08-2025: 0.9%▲ +287% vs 07-2025highest value 09-2025: 0.9%● 0.0% vs 08-2025highest value 10-2025: 0.9%● 0.0% vs 09-2025highest value 11-2025: 0.4%▼ -48.4% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%● 0.0% vs 12-2025 02-2026: 0.4%▼ -3.8% vs 01-2026 03-2026: 0.4%▲ +1.6% vs 02-2026 04-2026: 0.5%▲ +9.5% vs 03-2026 05-2026: 0.5%▲ +3.8% vs 04-2026 06-2026: 0.5%▼ -4.1% vs 05-2026 07-2026: 0.4%▼ -4.7% vs 06-2026 08-2026: 0.7%▲ +51.9% vs 07-2026 09-2026: 0.4%▼ -40.9% vs 08-2026 10-2026: 0.4%● 0.0% vs 09-2026
  • Loss of €591,973, the second in a row (FY 2025) raises the probability
  • Liquidity: current ratio 2.78, cash €5,806, halved raises the probability
  • Founded in 1983 lowers the probability for this profile
  • Size: turnover €3.6m, 1.6 FTE, total assets €4.5m lowers the probability for this profile
Credit up to €240,000 at 30 days acceptable
Liquidity ample (current ratio 2.78 against 2.92 in 2024; short-term debt: 32.4% and cash: 0.1% of total assets), and 32.5% 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 46, micro). Better than this share of them on solvency 73%, liquidity 34%, profitability 13%, growth against the median 17%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €591,973, the second in a row (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.78, cash €5,806, halved
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1983
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: turnover €3.6m, 1.6 FTE, total assets €4.5m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€591,973
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
28 d late
2024
15 d early
2023
26 d early
2022
14 d early
2021
18 d early
2020
4 d early
2019
18 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 16 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Weakest financial yearnet -€883,305

Key points

  • Risk: 3 loss-making years in a rowloss fiscal year 2025 -€591,973 View
  • Caution: Among the weakest 5% on net resultsector median €114,268 · 5,973 companies -€591,973 View
  • Caution: Turnover fell in 2025from €5.2m to €3.6m ▼ 31.2% View

By topic

Financials

Fiscal year
2025
Turnover
€3.6m
Loss
-€591,973
Solvency
67.5%
Turnover▼ 31.2%
Net result
20182025
Go to Financials

Timeline

Events
13
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 16-07-2025Annual accounts filed
  3. 31-12-2024Weakest financial year
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Wholesale of diamonds and other precious stonesNACE 46861
Founded
24-01-1983
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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