GMCJ
ActiveSummary
GMCJ has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €593,659 and a net result of -€20,447. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 89% of 103 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability29▲+11
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 19.61 against 20.81 in 2025; short-term debt: 5.1% and cash: 5.5% of total assets), and 5.9% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
94.1%
Return on assets
-3.2%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year -€20,447
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 24-08-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
7 d early
2025
32 d late
2024
4 d early
2023
63 d late
2022
54 d late
2021
95 d late
2020
25 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 37 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. Usually files around 2 October (4 of the last 5 filed years within 35 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-01-2027 close31-08-2027 deadline
History
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Financials · fiscal year 2026, micro schema
Equity
€593,659▼ 3.3%
2025 · €614,106
Total assets
€630,823▼ 3.0%
2025 · €650,365
Net result
-€20,447▲ 60.2%
2025 · -€51,405
Working capital
€598,659▼ 3.3%
2025 · €619,106
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20222023202420252026
Operating result€146,428-€12,845-€7,798▲ 39.3%-€20,545▼ 163%-€22,482▼ 9.4%
Net result€107,127above the sector's middle half-€11,137below the sector's middle half-€6,047below the sector's middle half▲ 45.7%-€51,405below the sector's middle half▼ 750%-€20,447▲ 60.2%
Equity€682,694above the sector's middle half▲ 18.6%€671,558above the sector's middle half▼ 1.6%€665,511above the sector's middle half▼ 0.9%€614,106above the sector's middle half▼ 7.7%€593,659▼ 3.3%
Total assets€752,096above the sector's middle half▲ 23.2%€740,024above the sector's middle half▼ 1.6%€700,165above the sector's middle half▼ 5.4%€650,365above the sector's middle half▼ 7.1%€630,823▼ 3.0%
Debt€69,401▲ 99.4%€68,466▼ 1.3%€34,654▼ 49.4%€36,259▲ 4.6%€37,164▲ 2.5%
Working capital€710,493above the sector's middle half▲ 1,560%€699,357above the sector's middle half▼ 1.6%€693,310above the sector's middle half▼ 0.9%€619,106above the sector's middle half▼ 10.7%€598,659▼ 3.3%
Solvency90.8%above the sector's middle half▼ 3.5pp90.7%above the sector's middle half=95.1%above the sector's middle half▲ 4.3pp94.4%above the sector's middle half▼ 0.6pp94.1%▼ 0.3pp
Current ratio18.08above the sector's middle half▲ 10.9718.20above the sector's middle half▲ 0.1220.81above the sector's middle half19.61▼ 1.19
Return on assets (ROA)14.2%within the sector's middle half▲ 14.3pp-1.5%below the sector's middle half▼ 15.7pp-0.9%below the sector's middle half▲ 0.6pp-7.9%below the sector's middle half▼ 7.0pp-3.2%▲ 4.7pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €22,482 in 2026 against €20,545 in 2025; the loss grows and 2026 has the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Equity and liabilities €630,823
Equity
€593,659 ▼ 3.3%
Debt
€37,164 ▲ 2.5%
Debt's share of the balance-sheet total rises from 5.6% to 5.9%. Equity is lower and debt is higher.
Key figures and ratios
Debt to equity
0.06▲
2025 · 0.06
ROE
-3.4%▲
2025 · -8.4%
Debt ≤ 1 year
€32,164▲
2025 · €31,259
Income taxes
€0▼
2025 · €33,026
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,687 companies that looked in July 2024 the way this one looks now, 0.6% went bankrupt within 24 months and 94% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a small loss
0.6%
went bankrupt
5.4%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,687 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €216,490 | - | - | - | - | - |
| Other operating charges640/8 | €2,456 | €1,045 | €941 | €451 | €613 | ▲ 36.0% |
| Non-recurring operating charges66A | €18,043 | - | - | €5,000 | €0 | ▼ 100% |
| Gross operating margin9900 | €166,927 | -€11,800 | -€6,857 | -€15,093 | -€21,868 | ▼ 44.9% |
| Operating profit (loss)9901 | €146,428 | -€12,845 | -€7,798 | -€20,545 | -€22,482 | ▼ 9.4% |
| Financial income75/76B | €1,987 | €2,334 | €1,901 | €2,307 | €2,185 | ▼ 5.3% |
| Recurring financial income75 | €1,987 | €2,334 | €1,901 | €2,307 | €2,185 | ▼ 5.3% |
| Financial charges65/66B | €1,311 | €626 | €150 | €143 | €150 | ▲ 5.3% |
| Recurring financial charges65 | €1,311 | €626 | €150 | €143 | €150 | ▲ 5.3% |
| Profit (loss) for the period before taxes9903 | €147,104 | -€11,137 | -€6,047 | -€18,380 | -€20,447 | ▼ 11.2% |
| Income taxes67/77 | €39,977 | €0 | - | €33,026 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €107,127 | -€11,137 | -€6,047 | -€51,405 | -€20,447 | ▲ 60.2% |
| Transfer from tax-exempt reserves789 | €112,500 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €219,627 | -€11,137 | -€6,047 | -€51,405 | -€20,447 | ▲ 60.2% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €752,096 | €740,024 | €700,165 | €650,365 | €630,823 | ▼ 3.0% |
| Current assets29/58 | €752,096 | €740,024 | €700,165 | €650,365 | €630,823 | ▼ 3.0% |
| Amounts receivable within one year40/41 | €35,058 | €36,636 | €593,404 | €594,424 | €596,410 | ▲ 0.3% |
| Trade receivables40 | - | - | €555,197 | €555,000 | €555,000 | = |
| Other amounts receivable41 | €35,058 | €36,636 | €38,207 | €39,424 | €41,410 | ▲ 5.0% |
| Current investments50/53 | - | - | €7 | - | - | - |
| Cash at bank and in hand54/58 | €717,038 | €703,388 | €106,754 | €55,941 | €34,413 | ▼ 38.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €752,096 | €740,024 | €700,165 | €650,365 | €630,823 | ▼ 3.0% |
| Equity10/15 | €682,694 | €671,558 | €665,511 | €614,106 | €593,659 | ▼ 3.3% |
| Contributions10/11 | €470,000 | €470,000 | €470,000 | €470,000 | €470,000 | = |
| Reserves13 | €266,627 | €266,627 | €266,627 | €266,627 | €266,627 | = |
| Non-distributable reserves130/1 | €47,000 | €47,000 | - | - | - | - |
| Reserves not available under the articles1311 | €47,000 | €47,000 | - | - | - | - |
| Tax-exempt reserves132 | €219,627 | €219,627 | - | - | - | - |
| Distributable reserves133 | - | - | €266,627 | €266,627 | €266,627 | = |
| Profit (loss) carried forward14 | -€53,933 | -€65,070 | -€71,116 | -€122,522 | -€142,969 | ▼ 16.7% |
| Amounts payable17/49 | €69,401 | €68,466 | €34,654 | €36,259 | €37,164 | ▲ 2.5% |
| Amounts payable within one year42/48 | €41,603 | €40,667 | €6,855 | €31,259 | €32,164 | ▲ 2.9% |
| Trade debts44 | €1,560 | €625 | €6,855 | €3,500 | €4,405 | ▲ 25.9% |
| Suppliers440/4 | €1,560 | €625 | €6,855 | €3,500 | €4,405 | ▲ 25.9% |
| Taxes, remuneration and social security45 | €39,977 | €39,977 | - | - | - | - |
| Taxes450/3 | €39,977 | €39,977 | - | - | - | - |
| Other amounts payable47/48 | €65 | €65 | - | €27,759 | €27,759 | = |
| Accrued charges and deferred income492/3 | €27,799 | €27,799 | €27,799 | €5,000 | €5,000 | = |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €107,127 | -€11,137 | -€6,047 | -€51,405 | -€20,447 | ▲ 60.2% |
| Operating cash flow (approximation) | €107,127 | -€11,137 | -€6,047 | -€51,405 | -€20,447 | ▲ 60.2% |
| Change in cash | - | -€13,650 | -€596,634 | -€50,813 | -€21,528 | ▲ 57.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2027, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 32 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
Financial
Liquidity times 6current ratio 102.14
Current ratio from 18.20 to 102.14; short-term debt falls from €40,667 to €6,855.
2023
02-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 54 days late
31-01
Financial
Back to profitnet €107,127
Net result €107,127 after 3 loss-making years.
31-01
Financial
Liquidity triplescurrent ratio 18.08
Current ratio from 7.10 to 18.08.
2021
04-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 95 days late
31-01
Financial
Liquidity times 47current ratio 7.10
Current ratio from 0.15 to 7.10; short-term debt falls from €278,127 to €7,015.
2020
25-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Brussel · 2 establishment units since 2012
Ground area
194 m²
Building footprint
197 m²
Volume, LiDAR
760 m³
2 parcels, Brussels, Wallonia · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
2 establishment units
GMCJ
since 20122.207.735.638
GMCJ
since 20132.301.641.932
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21004A1191/00B000 | Brussels | 118 m² | 1 · 71 m² | 15.0 m · 4 fl. |
| 83031A0071/00D000 | Wallonia | 76 m² | 1 · 125 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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: expect extra rules on renovation or sale.
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Of 24,516 companies in sector 82990 we hold annual accounts for 9,420. 5,570 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded08-04-2008
Fiscal year end31-01
Activities, NACEBEL 2025
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897046694
Also
9925:BE0897046694
Registered
17-10-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.