Starting capital
€4,000 100 shares
GO-MAT
Lifetime
1 annual account with figurespeak €172,695 (2025)
€172,695
peak €40,768 (2025)
€40,768
peak €44,768 (2025)
€44,768
€68,255
Board1 name since 2025
1 directorBERNI-VARENNE Caroline
Documentsfilings and deeds
24-07-20267 days before the deadline
2025micro format
Incorporation 24-011 establishment registeredFirst year with figures
Key points
from the 2025 annual accountsPosition in the sector
€40,768
Higher net result than 83% of companies in travel agencies. Sector median €5,592 · 559 companies.
Checked score
51
Fair
Financially stronger than 54% of micro companies in travel agencies (NACE 79)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
3.1% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 1,004 companies (NACE 79, micro).
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
02-2026: 1.7%lowest value
03-2026: 1.7%● unchanged vs 02-2026lowest value
04-2026: 1.8%▲ +0.1 percentage points vs 03-2026
05-2026: 2.1%▲ +0.3 percentage points vs 04-2026
06-2026: 2.2%▲ +0.1 percentage points vs 05-2026
07-2026: 2.4%▲ +0.2 percentage points vs 06-2026
08-2026: 3.0%▲ +0.6 percentage points vs 07-2026
09-2026: 3.2%▲ +0.2 percentage points vs 08-2026highest value
10-2026: 3.1%▼ -0.1 percentage points vs 09-2026
11-2026: 3.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2025
Liquidity: current ratio 1.48, cash €14
Size: turnover €172,695, total assets €113,023
Calculation
The band follows from the bankruptcy probability. 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 79, micro). It does better than 56% of them on solvency, 9% on liquidity and 95% on profitability.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 11,279 companies had the same profile as GO-MAT has now. Each dot stands for 29 companies, two years later.
96.6%
were still trading
2.6%
stopped another way
0.7%
went bankrupt
The bankruptcy probability of GO-MAT itself is higher: 3.1% within 12 months. It rests on far more data about GO-MAT than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 11,279 companies, not a prediction for GO-MAT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.48, below the usual 1.5. Short-term debt is 60.4% and cash 0% of total assets. 60.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Four signals.
raises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
7 days early
← before the deadline
after the deadline →
Searched, nothing found (1)
Board and ownership
- BERNI-VARENNE Caroline Nicole Francesco 100 sharesdeed of 24-01-2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1019028451
Incorporation
Founding capital of €4,000, 100 shares · Founder: BERNI-VARENNE Caroline Nicole Francesco (comparant) · Appointment: BERNI-VARENNE Caroline (director) · published on 24-01-2025 · Gazette deed
First establishment
Waterloose Steenweg 600, Ixelles
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GO-MAT Ixelles | €113,023 | €81,476 | 39.6% | - |
| Evasio-Voyages La Bruyère | €134,891 | €60,286 | 6.8% | - |
| VAS-y, Voyage! Mons | €206,052 | €101,239 | 35.0% | - |
| Brussels by foot Tubize | €117,185 | €55,795 | 71.9% | - |
| CL BUSINESS TRAVEL Jemeppe-sur-Sambre | €140,569 | €52,306 | 89.9% | - |
| YellowUP Geel | €150,044 | €184,880 | 91.5% | - |
| BESPOKE TRAVELS Forest | €146,529 | €35,161 | 43.5% | - |
These companies have the same main activity as GO-MAT: travel agency activities (NACE 79110). They are comparable in size and age: total assets between €117,000 and €206,000, founded between 2023 and 2025.
Official details
Source: KBO- Status
- Active since 22-01-2025Normal situation
- Activity
- Travel agency activitiesNACE 79110and 3 others
- Establishment unit
- 2.370.172.4321050 Ixelles, since 22-01-2025
- Financial year end
- 31 December
- Peppol
- Reachable since 17-02-2026
Annual accounts 2025
- €113,023
- ≈ 0.9 FTEestimated
- Filing
- Filed on 24-07-2026, 7 days before the end of the filing period
Insights on GO-MAT
The computed 12-month bankruptcy probability of GO-MAT is 3.1% (moderate). The 2025 annual accounts show equity of €44,768 and a net result of €40,768.
Its solvency ranks better than 53% of 559 sector peers (NACE 79, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about GO-MAT
- What is the company number of GO-MAT?
- The company number of GO-MAT is 1019.028.451. The VAT number is the same number with BE in front: BE 1019.028.451.
- Where is GO-MAT based?
- The registered office is at Waterloose Steenweg 600, 1050 Ixelles.Company details
- What does GO-MAT do?
- According to the KBO register, the main activity is travel agency activities (NACE 79110).
- What is the legal form of GO-MAT?
- GO-MAT is a private limited company (BV).
- When was GO-MAT founded?
- GO-MAT was founded on 22-01-2025.
- Is GO-MAT still active?
- Yes, GO-MAT is an active enterprise in the KBO register.
- What is the turnover of GO-MAT?
- The turnover of GO-MAT was €172,695 in financial year 2025, according to the filed annual accounts.Financials
- Is GO-MAT profitable?
- In financial year 2025, GO-MAT made a profit of €40,768.
- Where can I find the annual accounts of GO-MAT?
- GO-MAT filed 1 annual account with the National Bank of Belgium, for financial year 2025.
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark Estimate what this company is worth.Value indication
See how customers, suppliers and banks see your own company and what to improve first.