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GFM CONSULTING

Active
Private limited companyfounded 2015active for 11 yearsHorenberg 81, 3090 Overijse, BelgiumKBO/BCE: BE 0633.581.927
Summary

GFM CONSULTING has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €20,015 and a net result of €31,465. Equity is shrinking by about 13% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2029. Its solvency ranks better than 15% of 188 sector peers (NACE 82, financial year 2026). The computed 12-month bankruptcy probability is 0.1% (very low).

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GFM CONSULTINGActiveChecked score 92/100
Risk analysis ReportCompare

Overview

Activity
Other business support services
NACE 82990
1 site
Size
€179,203total assets 2026
Equity
€20,015
Profit
€31,465
Turnover not published (micro format)
Financial health
92 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Accounts 25 days early0 of 3 deeds read
Why 92raises riskEquity €20,015 (11.2% of total assets)lowers riskLiquidity: current ratio 1.05, cash €146,981Size: total assets €179,203Sector: Office administrative, office support and other business support activities (NACE 82)Show the evidence

Checked score

Score 2026
92 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 35% of its sector peers (NACE 82, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2025
Strong
Solvency 36-37
equity 11.2% of total assets
Liquidity 53-28
short-term debt 86.0% · cash 82.0%
Profitability 91-9
return on assets 17.6%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 0.2% (12,636 companies, NACE 82, micro)
Last 24 months 11-2024: < 0.1%lowest value 12-2024: 0.1%▲ +0.1 percentage points vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: < 0.1%▼ -0.1 percentage points vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged 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 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: 0.1%▲ +0.1 percentage points vs 09-2026highest value
Credit of up to €1,500 on 30-day terms is acceptable
Liquidity tight (current ratio 1.05, compared with 2.04 in 2025, below the usual 1.5; short-term debt: 86% and cash: 82% of total assets), and 88.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 82, micro): better than 22% on solvency, 45% on liquidity, 65% on profitability and 8% on growth.

The bankruptcy probability was computed on 17-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 1.05, cash €146,981
NBB · annual accounts
lowers risk · Size: total assets €179,203
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Equity €20,015 (11.2% of total assets)
NBB · annual accounts
lowers risk · Sector: Office administrative, office support and other business support activities (NACE 82)
KBO
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 188 sector peers (2026).
NBB · sector comparison
Position among 188 sector peers
Solvency
better than 15%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 06-10-2026, 25 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
25 days early
2025
4 days early
2024
on the day
2023
20 days early
2022
on the day
2021
22 days late
2020
26 days 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 on the deadline day; the sector median (NACE 82) for financial year 2024 is 7 days before the deadline, and 35% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 27 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
17-10-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2026 · micro…
  2. Annual accounts filedfinancial year 2025 · micro…
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Caution: Equity fell in 2026from €73,488 to €20,015 ▼ 72.8% View
  • Caution: Among the weakest 16% on solvencysector median 50.9% · 188 companies 11.2% View
  • Positive: 8 profitable years in a rowprofit 2026: €31,465 8 years View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 5 years View

By topic

Financials

Financial year
2026
Total assets
€179,203
Profit
€31,465
Solvency
11.2%
Total assets▲ 16.7%
Net result
20192026
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-10-2027
  1. 31-03-2024Weakest financial year
  2. 11-10-2023Annual accounts filed
  3. 31-03-2023Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Other business support servicesNACE 82990
Founded
06-07-2015
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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