Financials
- Fiscal year
- 2025
- Total assets
- €35,104
- Profit
- €10,262
- Solvency
- 59.6%
Total assets▼ 21.4%
Net result
20232025
GMBA
ActiveSummary
The computed 12-month bankruptcy probability of GMBA is 1.9% (moderate). The 2025 annual accounts show equity of €20,935 and a net result of €10,262. Equity is growing by ~71.8% per year across the filed fiscal years. Its solvency ranks better than 67% of 8200 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201
1 site
Size
€35,104total assets 2025
- Equity
- €20,935
- Profit
- €10,262
Turnover not published (abridged schema)
Structure
Accounts 3 d early0 of 2 deeds read
Why 56- Founded in 2022- Size: total assets €35,104- Sector Construction of residential and non-residential buildings (NACE 41)+ Liquidity: current ratio 3.56, cash €5,086, halvedShow the evidence
Checked score
Score 2025
56
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 78% of its sector peers (NACE 41, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
85+36
equity 59.6% of total assets
Liquidity
58+10
short-term debt 26.7% · cash 14.5%
Profitability
100+17
return on assets 29.2%
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 15 months
08-2025: 4.4%
09-2025: 4.4%● +0.0% vs 08-2025
10-2025: 4.6%▲ +4.6% vs 09-2025highest value
11-2025: 2.6%▼ -42.7% vs 10-2025
12-2025: 2.6%● 0.0% vs 11-2025
01-2026: 2.6%● 0.0% vs 12-2025
02-2026: 2.1%▼ -20.3% vs 01-2026
03-2026: 2.1%▼ -1.1% vs 02-2026
04-2026: 2.1%▼ -0.1% vs 03-2026
05-2026: 2.0%▼ -1.4% vs 04-2026
06-2026: 2.1%▲ +0.6% vs 05-2026
07-2026: 1.5%▼ -25.4% vs 06-2026lowest value
08-2026: 1.7%▲ +9.0% vs 07-2026
09-2026: 1.7%▲ +2.5% vs 08-2026
10-2026: 1.9%▲ +10.5% vs 09-2026
- Founded in 2022 raises the probability for this profile
- Size: total assets €35,104 raises the probability for this profile
- Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
- Liquidity: current ratio 3.56, cash €5,086, halved lowers the probability
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 3.56 against 1.22 in 2024; short-term debt: 26.7% and cash: 14.5% of total assets), and 40.4% 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 41, micro). Better than this share of them on solvency 69%, liquidity 63%, profitability 92%, growth against the median 88%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 28-10-2025, 3 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
3 d early
2024
29 d early
2023
28 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 20 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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. Usually files around 3 October (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close02-10-2026 today31-10-2026 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Highest result since 2023net €10,262 ▲103%
- Liquidity triplescurrent ratio 3.56
Key points
By topic
Timeline
- Events
- 6
- Since
- 2023
- Next accounts
- by 31-10-2026
- 28-10-2025Annual accounts filed
- 31-03-2025Highest result since 2023
- 31-03-2025Liquidity triples
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- General construction of residential buildingsNACE 41001
- Founded
- 01-06-2022
- Year ends
- 31-03
- Peppol
- Reachable for e-invoices
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