GOM-IMMO
ActiveThe file of GOM-IMMO contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 0.8% (low). The 2025 annual accounts show equity of €201,046 and a net result of -€35,301. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 89% of 18606 sector peers (fiscal year 2025).
Checked score
Score 2025
Axes · tick = 2024
Profitability1▼-50
Solvency100=
Growth32=
Track record85
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13,000 at 30 days only on tighter terms
Liquidity ample (current ratio 16.13 against 3.45 in 2024; short-term debt: 2.7% and cash: 34% of total assets), and 16.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€35,301
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
153 d late
2023
60 d late
2022
32 d late
2021
31 d late
2020
61 d late
2019
89 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 65 days after 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€201,046▼ 14.9%
2024 · €236,347
Total assets
€241,911▼ 11.8%
2024 · €274,132
Net result
-€35,301▼ 1,295%
2024 · -€2,530
Working capital
€99,695▲ 7.5%
2024 · €92,739
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20212022202320242025
Operating result-€18,608-€21,938▼ 17.9%-€37,187▼ 69.5%-€710▲ 98.1%-€34,176▼ 4,711%
Net result-€20,128below the sector's middle half-€23,738below the sector's middle half▼ 17.9%-€39,019below the sector's middle half▼ 64.4%-€2,530within the sector's middle half▲ 93.5%-€35,301below the sector's middle half▼ 1,295%
Equity€301,634above the sector's middle half▼ 8.5%€277,895above the sector's middle half▼ 7.9%€238,877above the sector's middle half▼ 14.0%€236,347above the sector's middle half▼ 1.1%€201,046above the sector's middle half▼ 14.9%
Total assets€385,571above the sector's middle half▼ 16.4%€374,547above the sector's middle half▼ 2.9%€302,494within the sector's middle half▼ 19.2%€274,132within the sector's middle half▼ 9.4%€241,911within the sector's middle half▼ 11.8%
Debt€83,937▼ 36.3%€96,652▲ 15.1%€63,617▼ 34.2%€37,786▼ 40.6%€40,865▲ 8.1%
Working capital€127,379above the sector's middle half▼ 17.1%€110,940above the sector's middle half▼ 12.9%€80,516within the sector's middle half▼ 27.4%€92,739above the sector's middle half▲ 15.2%€99,695above the sector's middle half▲ 7.5%
Solvency78.2%above the sector's middle half▲ 6.8pp74.2%above the sector's middle half▼ 4.0pp79.0%above the sector's middle half▲ 4.8pp86.2%above the sector's middle half▲ 7.2pp83.1%above the sector's middle half▼ 3.1pp
Current ratio2.64within the sector's middle half▲ 0.432.17within the sector's middle half▼ 0.472.27within the sector's middle half▲ 0.093.45above the sector's middle half▲ 1.1916.13above the sector's middle half▲ 12.68
Return on assets (ROA)-5.2%below the sector's middle half▼ 10.9pp-6.3%below the sector's middle half▼ 1.1pp-12.9%below the sector's middle half▼ 6.6pp-0.9%within the sector's middle half▲ 12.0pp-14.6%below the sector's middle half▼ 13.7pp
Staff (FTE)1▲ 25.0%1=1=
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 €34,176 in 2025 against €710 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241,911
Fixed assets
€135,629 ▼ 5.6%
Current assets
€106,282 ▼ 18.6%
Equity and liabilities €241,911
Equity
€201,046 ▼ 14.9%
Debt
€40,865 ▲ 8.1%
Debt's share of the balance-sheet total rises from 13.8% to 16.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€26,197▼
2024 · €7,269
Cash flow
-€27,322▼
2024 · €5,449
Quick ratio
13.40▲
2024 · 2.50
Debt to equity
0.20▲
2024 · 0.16
ROE
-17.6%▼
2024 · -1.1%
Interest coverage
-23.29▼
2024 · 3.99
Debt ≤ 1 year
€6,587▼
2024 · €37,786
Debt > 1 year
€34,278
Staff costs
€1,636▼
2024 · €7,574
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.8%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% 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 4,815 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €56,506 | €60,899 | €64,233 | €7,574 | €1,636 | ▼ 78.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,126 | €11,500 | €10,717 | €7,979 | €7,979 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €17,995 | - |
| Other operating charges640/8 | €9,911 | €4,803 | €4,952 | €7,575 | €4,934 | ▼ 34.9% |
| Gross operating margin9900 | €60,935 | €55,264 | €42,715 | €22,418 | -€1,632 | ▼ 107% |
| Operating profit (loss)9901 | -€18,608 | -€21,938 | -€37,187 | -€710 | -€34,176 | ▼ 4,711% |
| Financial income75/76B | - | €11 | - | - | - | - |
| Recurring financial income75 | - | €11 | - | - | - | - |
| Financial charges65/66B | €1,520 | €1,811 | €1,832 | €1,820 | €1,125 | ▼ 38.2% |
| Recurring financial charges65 | €1,520 | €1,811 | €1,832 | €1,820 | €1,125 | ▼ 38.2% |
| Profit (loss) for the period before taxes9903 | -€20,128 | -€23,738 | -€39,019 | -€2,530 | -€35,301 | ▼ 1,295% |
| Profit (loss) for the period9904 | -€20,128 | -€23,738 | -€39,019 | -€2,530 | -€35,301 | ▼ 1,295% |
| Profit (loss) for the period to be appropriated9905 | -€20,128 | -€23,738 | -€39,019 | -€2,530 | -€35,301 | ▼ 1,295% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €385,571 | €374,547 | €302,494 | €274,132 | €241,911 | ▼ 11.8% |
| Fixed assets21/28 | €180,578 | €169,078 | €158,361 | €143,608 | €135,629 | ▼ 5.6% |
| Tangible fixed assets22/27 | €180,328 | €168,828 | €158,111 | €143,358 | €135,379 | ▼ 5.6% |
| Land and buildings22 | €162,349 | €155,606 | €148,864 | €142,121 | €135,379 | ▼ 4.7% |
| Plant, machinery and equipment23 | €5,619 | €3,710 | €2,474 | €1,237 | - | - |
| Furniture and vehicles24 | €12,361 | €9,511 | €6,773 | - | - | - |
| Financial fixed assets28 | €250 | €250 | €250 | €250 | €250 | = |
| Current assets29/58 | €204,993 | €205,470 | €144,133 | €130,524 | €106,282 | ▼ 18.6% |
| Stocks and contracts in progress3 | €173,465 | €170,234 | €106,214 | €35,990 | €17,995 | ▼ 50.0% |
| Stocks30/36 | €173,465 | €170,234 | €106,214 | €35,990 | €17,995 | ▼ 50.0% |
| Amounts receivable within one year40/41 | €5,897 | €9,489 | €26,011 | €7,526 | €5,906 | ▼ 21.5% |
| Trade receivables40 | €5,897 | €9,489 | €25,799 | €7,370 | €5,709 | ▼ 22.5% |
| Other amounts receivable41 | - | - | €212 | €156 | €197 | ▲ 25.9% |
| Current investments50/53 | €204 | €204 | €204 | €204 | €204 | = |
| Cash at bank and in hand54/58 | €25,273 | €25,408 | €11,561 | €86,804 | €82,177 | ▼ 5.3% |
| Deferred charges and accrued income490/1 | €154 | €136 | €143 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €385,571 | €374,547 | €302,494 | €274,132 | €241,911 | ▼ 11.8% |
| Equity10/15 | €301,634 | €277,895 | €238,877 | €236,347 | €201,046 | ▼ 14.9% |
| Contributions10/11 | €340,000 | €340,000 | €340,000 | €340,000 | €340,000 | = |
| Profit (loss) carried forward14 | -€38,366 | -€62,105 | -€101,123 | -€103,653 | -€138,954 | ▼ 34.1% |
| Amounts payable17/49 | €83,937 | €96,652 | €63,617 | €37,786 | €40,865 | ▲ 8.1% |
| Amounts payable after more than one year17 | €6,323 | €2,123 | - | - | €34,278 | - |
| Financial debts170/4 | €6,323 | €2,123 | - | - | - | - |
| Other amounts payable178/9 | - | - | - | - | €34,278 | - |
| Amounts payable within one year42/48 | €77,614 | €94,529 | €63,617 | €37,786 | €6,587 | ▼ 82.6% |
| Current portion of amounts payable after more than one year42 | €4,142 | €4,201 | €2,123 | - | - | - |
| Trade debts44 | €18,313 | €46,873 | €6,520 | €1,653 | €6,587 | ▲ 299% |
| Suppliers440/4 | €18,313 | €46,873 | €6,520 | €1,653 | €6,587 | ▲ 299% |
| Taxes, remuneration and social security45 | €49,972 | €29,290 | €24,038 | - | - | - |
| Taxes450/3 | €24,684 | €15,210 | €20,386 | - | - | - |
| Remuneration and social security454/9 | €25,287 | €14,081 | €3,652 | - | - | - |
| Other amounts payable47/48 | €5,188 | €14,165 | €30,936 | €36,133 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€20,128 | -€23,738 | -€39,019 | -€2,530 | -€35,301 | ▼ 1,295% |
| + Depreciation and write-downs630 | €13,126 | €11,500 | €10,717 | €7,979 | €7,979 | = |
| Operating cash flow (approximation) | -€7,002 | -€12,238 | -€28,302 | €5,449 | -€27,322 | ▼ 601% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €6,773 | €0 | ▼ 100% |
| Change in cash | - | €135 | -€13,847 | €75,244 | -€4,627 | ▼ 106% |
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 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity times 5current ratio 16.13
Current ratio from 3.45 to 16.13; short-term debt falls from €37,786 to €6,587.
31-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 153 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
31-12
Financial
Weakest financial yearnet -€39,019
Net result drops to -€39,019, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €26,069 ▲91.4%
Operating result €21,255, net result €26,069, both a record.
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Show earlier events
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
2014
19-11
Bankruptcy
Bankruptcy reversal
Tribunal de commerce de Liège, division Liège · event 29-09-2014
25-06
Bankruptcy
Opening
Tribunal de commerce de Liège, division Liège · event 16-06-2014
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Liège · 1 establishment unit since 2020
Ground area
119 m²
Building footprint
66 m²
Volume, LiDAR
700 m³
Parcel 62814C0072/00E003, Wallonia · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
les compagnons du bien boire
since 20202.319.039.376
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0072/00E003 | Wallonia | 118 m² | 1 · 65 m² | 12.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | Maître Alain BODEUS avocat à 4000 Liège, rue du Limbourg 50 et Maître Jean-Philippe RENAUD, avocat à 4020 Liège, quai des Ardennes 65 |
16-06-2014 → 29-09-2014 |
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Of 2,336 companies in sector 47251 we hold annual accounts for 422. 283 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 (pre-2019)
Founded19-11-2008
Fiscal year end31-12
Activities, NACEBEL 2025
47251Retail sale of wines and spirits
68201Renting and operating of own or leased residential real estate, excluding social housing
Contact
E-mail
az@proximus.be
Phone
+32478372856
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.