GOMES & SALGADO
ActiveSummary
The computed 12-month bankruptcy probability of GOMES & SALGADO is 1.8% (moderate). The 2025 annual accounts show equity of €28,612 and a net result of -€2,974. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 68% of 7967 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability11▲+11
Solvency85▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.56 against 3.21 in 2024; short-term debt: 38.8% and cash: 1% of total assets), and 40.4% 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.6%
Return on assets
-6.2%
Age of the figures
9 mo
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 -€2,974
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
22 d late
2023
26 d late
2022
31 d late
2021
29 d late
2020
87 d late
2019
107 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 47 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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. Usually files around 28 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€28,612▼ 9.4%
2024 · €31,586
Total assets
€47,968▲ 5.0%
2024 · €45,690
Net result
-€2,974▲ 75.5%
2024 · -€12,152
Working capital
€29,122▼ 6.6%
2024 · €31,186
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction 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
Line20212022202320242025
Operating result-€9,459€17,495€5,562▼ 68.2%-€12,156-€2,232▲ 81.6%
Net result-€9,784below the sector's middle half€15,736within the sector's middle half€4,831within the sector's middle half▼ 69.3%-€12,152below the sector's middle half-€2,974below the sector's middle half▲ 75.5%
Equity€23,171within the sector's middle half▼ 29.7%€38,907within the sector's middle half▲ 67.9%€43,738within the sector's middle half▲ 12.4%€31,586within the sector's middle half▼ 27.8%€28,612below the sector's middle half▼ 9.4%
Total assets€41,557below the sector's middle half▼ 13.4%€49,750below the sector's middle half▲ 19.7%€63,653below the sector's middle half▲ 27.9%€45,690below the sector's middle half▼ 28.2%€47,968below the sector's middle half▲ 5.0%
Debt€18,387▲ 22.3%€10,844▼ 41.0%€19,915▲ 83.7%€14,104▼ 29.2%€19,356▲ 37.2%
Working capital€21,374within the sector's middle half▼ 30.1%€37,338within the sector's middle half▲ 74.7%€42,879within the sector's middle half▲ 14.8%€31,186within the sector's middle half▼ 27.3%€29,122within the sector's middle half▼ 6.6%
Solvency55.8%within the sector's middle half▼ 12.9pp78.2%above the sector's middle half▲ 22.4pp68.7%above the sector's middle half▼ 9.5pp69.1%within the sector's middle half▲ 0.4pp59.6%within the sector's middle half▼ 9.5pp
Current ratio2.34within the sector's middle half▼ 1.914.44above the sector's middle half▲ 2.103.15within the sector's middle half▼ 1.293.21within the sector's middle half▲ 0.062.56within the sector's middle half▼ 0.65
Return on assets (ROA)-23.5%below the sector's middle half▼ 30.2pp31.6%above the sector's middle half▲ 55.2pp7.6%within the sector's middle half▼ 24.0pp-26.6%below the sector's middle half▼ 34.2pp-6.2%below the sector's middle half▲ 20.4pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,232 in 2025 against €12,156 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €47,968
Fixed assets
€213 ▼ 46.7%
Current assets
€47,754 ▲ 5.4%
Equity and liabilities €47,968
Equity
€28,612 ▼ 9.4%
Debt
€19,356 ▲ 37.2%
Debt's share of the balance-sheet total rises from 30.9% to 40.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€2,045▲
2024 · -€11,698
Cash flow
-€2,787▲
2024 · -€11,694
Quick ratio
2.54▼
2024 · 3.19
Debt to equity
0.68▲
2024 · 0.45
ROE
-10.4%▲
2024 · -38.5%
Interest coverage
-0.86▲
2024 · -5.72
Debt ≤ 1 year
€18,633▲
2024 · €14,104
Income taxes
€362▲
2024 · €255
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,910 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 91% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a small loss
1.1%
went bankrupt
7.8%
stopped otherwise
91%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.8% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 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% | 1.8% |
| 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 6,910 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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,765 | €4,036 | €710 | €458 | €187 | ▼ 59.2% |
| Other operating charges640/8 | €149 | €863 | €539 | €536 | €590 | ▲ 10.1% |
| Gross operating margin9900 | -€5,545 | €22,395 | €6,811 | -€11,162 | -€1,455 | ▲ 87.0% |
| Operating profit (loss)9901 | -€9,459 | €17,495 | €5,562 | -€12,156 | -€2,232 | ▲ 81.6% |
| Financial income75/76B | €1,117 | €2,208 | €2,090 | €2,306 | €2,011 | ▼ 12.8% |
| Recurring financial income75 | €1,117 | €2,208 | €2,090 | €2,306 | €2,011 | ▼ 12.8% |
| Financial charges65/66B | €1,442 | €2,259 | €1,417 | €2,047 | €2,392 | ▲ 16.9% |
| Recurring financial charges65 | €1,442 | €2,259 | €1,417 | €2,047 | €2,392 | ▲ 16.9% |
| Profit (loss) for the period before taxes9903 | -€9,784 | €17,444 | €6,234 | -€11,896 | -€2,612 | ▲ 78.0% |
| Income taxes67/77 | - | €1,708 | €1,403 | €255 | €362 | ▲ 41.6% |
| Profit (loss) for the period9904 | -€9,784 | €15,736 | €4,831 | -€12,152 | -€2,974 | ▲ 75.5% |
| Profit (loss) for the period to be appropriated9905 | -€9,784 | €15,736 | €4,831 | -€12,152 | -€2,974 | ▲ 75.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €41,557 | €49,750 | €63,653 | €45,690 | €47,968 | ▲ 5.0% |
| Fixed assets21/28 | €4,231 | €1,569 | €858 | €400 | €213 | ▼ 46.7% |
| Tangible fixed assets22/27 | €4,018 | €1,355 | €645 | €187 | - | - |
| Plant, machinery and equipment23 | - | €567 | €289 | €10 | - | - |
| Furniture and vehicles24 | €4,018 | €788 | €357 | €177 | - | - |
| Financial fixed assets28 | €213 | €213 | €213 | €213 | €213 | = |
| Current assets29/58 | €37,326 | €48,182 | €62,794 | €45,289 | €47,754 | ▲ 5.4% |
| Stocks and contracts in progress3 | €350 | €350 | €360 | €300 | €340 | ▲ 13.3% |
| Stocks30/36 | €350 | €350 | €360 | €300 | €340 | ▲ 13.3% |
| Amounts receivable within one year40/41 | €35,942 | €35,852 | €60,279 | €43,331 | €46,947 | ▲ 8.3% |
| Trade receivables40 | €1,060 | - | €11,066 | - | - | - |
| Other amounts receivable41 | €34,882 | €35,852 | €49,213 | €43,331 | €46,947 | ▲ 8.3% |
| Cash at bank and in hand54/58 | €1,034 | €10,863 | €762 | €251 | €467 | ▲ 86.2% |
| Deferred charges and accrued income490/1 | - | €1,116 | €1,393 | €1,407 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €41,557 | €49,750 | €63,653 | €45,690 | €47,968 | ▲ 5.0% |
| Equity10/15 | €23,171 | €38,907 | €43,738 | €31,586 | €28,612 | ▼ 9.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Capital10 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Issued capital100 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Profit (loss) carried forward14 | €15,111 | €30,847 | €35,678 | €23,526 | €20,552 | ▼ 12.6% |
| Amounts payable17/49 | €18,387 | €10,844 | €19,915 | €14,104 | €19,356 | ▲ 37.2% |
| Amounts payable after more than one year17 | €2,434 | - | - | - | - | - |
| Financial debts170/4 | €2,434 | - | - | - | - | - |
| Amounts payable within one year42/48 | €15,952 | €10,844 | €19,915 | €14,104 | €18,633 | ▲ 32.1% |
| Current portion of amounts payable after more than one year42 | €3,190 | €2,434 | - | - | - | - |
| Financial debts43 | €11,606 | - | €9,206 | €5,202 | €11,635 | ▲ 124% |
| Credit institutions430/8 | €11,606 | - | €9,206 | €5,202 | €11,635 | ▲ 124% |
| Trade debts44 | €160 | €6,062 | €6,075 | €6,874 | €6,064 | ▼ 11.8% |
| Suppliers440/4 | €160 | €6,062 | €6,075 | €6,874 | €6,064 | ▼ 11.8% |
| Taxes, remuneration and social security45 | €996 | €2,347 | €4,634 | €2,028 | €934 | ▼ 54.0% |
| Taxes450/3 | €996 | €1,708 | €3,111 | €1,403 | - | - |
| Remuneration and social security454/9 | - | €639 | €1,523 | €625 | €934 | ▲ 49.4% |
| Accrued charges and deferred income492/3 | - | - | - | - | €723 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€9,784 | €15,736 | €4,831 | -€12,152 | -€2,974 | ▲ 75.5% |
| + Depreciation and write-downs630 | €3,765 | €4,036 | €710 | €458 | €187 | ▼ 59.2% |
| Operating cash flow (approximation) | -€6,019 | €19,772 | €5,542 | -€11,694 | -€2,787 | ▲ 76.2% |
| Investment in fixed assets (approximation) | - | -€1,374 | €0 | €0 | €0 | - |
| Change in cash | - | €9,829 | -€10,101 | -€511 | €216 | ▲ 142% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Weakest financial yearnet -€12,152
Net result drops to -€12,152, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €15,736
Net result €15,736 after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
31-12
Financial
Back to profitnet €3,211
Net result €3,211 after one loss-making year.
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 107 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
07-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 38 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Anderlecht · 1 establishment unit since 2008
Ground area
2,640 m²
Building footprint
1,480 m²
Volume, LiDAR
51,831 m³
Parcel 21306C0130/00E000, Brussels · tallest building 47.3 m, ±14 floors. Linked by address, not a title deed.
41
companies at this address
See who is registered here
1 establishment unit
GOMES & SALGADO
since 20082.171.656.784
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306C0130/00E000 | Brussels | 2,640 m² | 1 · 1,480 m² | 47.3 m · 14 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.
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Of 11,140 companies in sector 43910 we hold annual accounts for 5,495. 4,331 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)
Founded11-04-2008
Fiscal year end31-12
Activities, NACEBEL 2025
43910Bricklaying and masonry work
43110Demolition
43310Plastering work
43320Joinery installation
43410Roofing work
43422Screed work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0897184672
Also
9925:BE0897184672
Registered
07-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.