GM INVESTMENT
ActiveSummary
The computed 12-month bankruptcy probability of GM INVESTMENT is 1.6% (moderate). The 2025 annual accounts show equity of €113k and a net result of €-154. Equity is growing by ~2.8% per year across the filed fiscal years. The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-1
Solvency60=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.06 in 2024; short-term debt: 64.6% and cash: 1.2% of total assets), and 64.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.3%
Return on assets
0%
Age of the figures
18 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 21-10-2025, 10 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
10 d early
2024
1 d early
2023
on the day
2022
5 d early
2021
2 d early
2020
30 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▼ 0.1%
2024 · €113k
2020: €97k
2021: €97k
2022: €114k
2023: €113k
2024: €113k
2020 → 2025
Total assets
€320k▲ 0.5%
2024 · €319k
2020: €303k
2021: €306k
2022: €308k
2023: €312k
2024: €319k
2020 → 2025
Net result
€-154
2024 · €143
2020: €-3k
2021: €-222
2022: €17k
2023: €-1k
2024: €143
2020 → 2025
Working capital
€13k▼ 1.2%
2024 · €13k
2020: €-3k
2021: €-3k
2022: €14k
2023: €13k
2024: €13k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€114k▲ 17.3%€113k▼ 0.9%€113k▲ 0.1%€113k▼ 0.1%
Operating result€-3k-€18k€-4k€-2k▲ 39.2%€-3k▼ 17.2%
Net result€-222-€17k€-1k€143€-154
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €2k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €320k
Fixed assets
€100k =
Current assets
€220k ▲ 0.7%
Equity and liabilities €320k
Equity
€113k ▼ 0.1%
Debt
€207k ▲ 0.8%
Debt's share of the balance-sheet total rises from 64.5% to 64.7%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
1.06▼
2024 · 1.06
Debt to equity
1.84▲
2024 · 1.82
ROE
-0.1%▼
2024 · 0.1%
ROA
0.0%▼
2024 · 0.0%
Debt ≤ 1 year
€207k▲
2024 · €205k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 30 lines
Balance sheet
Code20242025
Assets
Total assets20/58€319k€320k▲
Fixed assets21/28€100k€100k=
Financial fixed assets28€100k€100k=
Current assets29/58€219k€220k▲
Amounts receivable within one year40/41€213k€216k▲
Other amounts receivable41€213k€216k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€215€223▲
Equity and liabilities
Total equity and liabilities10/49€319k€320k▲
Equity10/15€113k€113k▼
Contributions10/11€100k€100k=
Profit (loss) carried forward14€13k€13k▼
Amounts payable17/49€206k€207k▲
Amounts payable within one year42/48€205k€207k▲
Trade debts44-€1k
Suppliers440/4-€1k
Other amounts payable47/48€205k€206k▲
Accrued charges and deferred income492/3€384€384=
Income statement
Code20242025
Other operating charges640/8€589-
Gross operating margin9900€-2k€-3k▼
Operating profit (loss)9901€-2k€-3k▼
Financial income75/76B€3k€3k▲
Recurring financial income75€3k€3k▲
Financial charges65/66B€427€423▼
Recurring financial charges65€427€423▼
Profit (loss) for the period before taxes9903€143€-154▼
Profit (loss) for the period9904€143€-154▼
Profit (loss) for the period to be appropriated9905€143€-154▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€13k▼
Profit (loss) brought forward from the previous period14P€13k€13k▲
The notes to these accounts (3 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
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Back to profitnet €143
Net result €143 after one loss-making year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
26-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
31-03
Financial
Equity above €100kEq €114k ▲17.3%
Equity rises from €97k to €114k.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
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, Brugge · 1 establishment unit since 2018
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.
Stationsplein 48000 BruggeGround area
3,832 m²
Building footprint
4,463 m²
Volume, LiDAR
29,116 m³
Parcel 31512B0005/02F000, Flanders · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GM INVESTMENT
since 20182.277.770.727
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31512B0005/02F000 | Flanders | 3,832 m² | 1 · 4,463 m² | 14.6 m · 2 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-06-2018
Fiscal year end31-03
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.