GMF COMPANY

Active

Private limited companyfounded 2023active for 3 yearsRue de Tongres 172, 4684 Oupeye, BelgiumKBO/BCE: BE 0798.883.882

Summary

The computed 12-month bankruptcy probability of GMF COMPANY is 2.9% (moderate). The 2025 annual accounts show negative equity (-€96,268) and a net result of -€49,167. Equity is shrinking by about 64% per year across the filed financial years. Its solvency ranks better than 16% of 5,676 sector peers (NACE 96, financial year 2025). The company has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

GMF COMPANYActiveChecked score 49/100

Risk analysis Report Compare

Activity

Personal service activities

NACE 96910

1 site

Size

≈ €1.0mturnover 2025, estimated

Staff: 52.8 FTE
Equity: -€96,268
Loss: -€49,167

Turnover estimated from the gross margin

Financial health

49 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.9%

Structure

FRANCISRudyMarcelEmileBernardDirector
MARSEAUTFabienneEugénieElisabethDirector
Sandrine GOFFARDDirector

2025 accounts 2 days early

Why 49raises risk1 change of registered office in 24 monthsNegative equity -€96,268Loss of €49,167, the second in a row (financial year 2025)lowers riskLiquidity: current ratio 0.45, cash €47,725Show the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 14% of its sector peers (NACE 96, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 0=

equity -60.6% of total assets

Liquidity 38=

short-term debt 140.6% · cash 30.1%

Profitability 0-7

return on assets -31.0%

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,621 companies, NACE 96, micro)

Last 24 months 11-2024: 2.1% 12-2024: 2.1%● unchanged vs 11-2024 01-2025: 2.1%● unchanged vs 12-2024lowest value 02-2025: 2.2%▲ +0.1 percentage points vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 2.2%● unchanged vs 03-2025 05-2025: 2.2%● unchanged vs 04-2025 06-2025: 2.2%● unchanged vs 05-2025 07-2025: 2.2%● unchanged vs 06-2025 08-2025: 3.1%▲ +0.9 percentage points vs 07-2025 09-2025: 3.6%▲ +0.5 percentage points vs 08-2025 10-2025: 2.2%▼ -1.4 percentage points vs 09-2025 11-2025: 2.3%▲ +0.1 percentage points vs 10-2025 12-2025: 2.3%● unchanged vs 11-2025 01-2026: 2.2%▼ -0.1 percentage points vs 12-2025 02-2026: 3.5%▲ +1.3 percentage points vs 01-2026 03-2026: 3.4%▼ -0.1 percentage points vs 02-2026 04-2026: 3.9%▲ +0.5 percentage points vs 03-2026 05-2026: 4.1%▲ +0.2 percentage points vs 04-2026highest value 06-2026: 4.0%▼ -0.1 percentage points vs 05-2026 07-2026: 4.0%● unchanged vs 06-2026 08-2026: 3.3%▼ -0.7 percentage points vs 07-2026 09-2026: 3.3%● unchanged vs 08-2026 10-2026: 2.9%▼ -0.4 percentage points vs 09-2026

No credit on open account

Liquidity insufficient (current ratio 0.45, compared with 0.62 in 2024, below 1; short-term debt: 140.6% and cash: 30.1% of total assets), and equity is negative.

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 96, micro): better than 11% on solvency, 29% on liquidity, 8% on profitability and 7% on growth.

The bankruptcy probability was computed on 28-10-2026 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

1 change of registered office in 24 months

Belgian Official Gazette

Negative equity -€96,268

NBB · annual accounts

Liquidity: current ratio 0.45, cash €47,725

NBB · annual accounts

Loss of €49,167, the second in a row (financial year 2025)

NBB · annual accounts

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

232425

2023 to 2025 · latest year -€96,268

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

2 days early

2024

57 days late

2023

41 days 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 5 days after the deadline; the sector median (NACE 96) for financial year 2024 is on the deadline day, and 48% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 July (3 of the last 3 filed years within 59 days of that day).

Companies Code · seven months

Where today falls in the filing period

29-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since incorporation in 2023.

KBO publications · our coverage

29-07-2026 Annual accounts filedfinancial year 2025 · micro…
14-01-2026 Registered officeRegistered-office move · Power of…
31-12-2025 Weakest financial yearnet -€49,167

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€96,268 View
Risk: 3 loss-making years in a rowloss financial year 2025 -€49,167 View
Caution: Among the weakest 5% on net resultsector median €2,806 · 5,683 companies -€49,167 View
Positive: Staff rose in 2025from 32.9 FTE to 52.8 FTE ▲ 60.5% View
A director leftlatest change 18-11-2025 · 3 in office 1 left View

By topic

Financials

Financial year: 2025
Total assets: €158,789
Loss: -€49,167
Solvency: -60.6%

Total assets▲ 38.9%

Net result

20232025

Go to Financials

Board & ownership

Board: 3 members

FRANCISRudyMarcelEmileBernardDirector
MARSEAUTFabienneEugénieElisabethDirector
Sandrine GOFFARDDirector

Go to Board & ownership

Timeline

Events: 9
Since: 2023
Next accounts: by 31-07-2027

18-11-2025Resignation: Fabienne Marseaut (director)
26-09-2025Annual accounts filed
22-04-2025Appointment: Sandrine GOFFARD (director)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Personal service activitiesNACE 96910
Founded: 27-02-2023
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 30

Annual meeting: Third Thursday of June at 18:00
Purpose: “Touteslesactivités«titres-services»,etprincipalementlenettoyageàdomicileycomprisfenêtres,l…” (deed in French)
Statutory auditor: No statutory auditor

Go to Articles of association

Key facts about GMF COMPANY

What is the company number of GMF COMPANY?: 0798.883.882. In Belgium the VAT number is the company number with BE in front: BE 0798.883.882.
Where is GMF COMPANY based?: The registered office is at Rue de Tongres 172, 4684 Oupeye.Company details
What does GMF COMPANY do?: According to the KBO register, the main activity is personal service activities (NACE 96910).
What is the legal form of GMF COMPANY?: Private limited company (BV).
When was GMF COMPANY founded?: On 27-02-2023.
Is GMF COMPANY still active?: Yes, GMF COMPANY is an active enterprise in the KBO register.
How many employees does GMF COMPANY have?: On average 52.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GMF COMPANY?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is GMF COMPANY profitable?: In financial year 2025, GMF COMPANY made a loss of €49,167.
Where can I find the annual accounts of GMF COMPANY?: GMF COMPANY filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GMF COMPANY due?: By 31-07-2027, for financial year 2026.Timeline