Equity
-€88,832
Debts exceed assets in financial year 2025.
GREGALAM
Lifetime
3 annual accounts with figures on one time axispeak -€384 (2023)
-€25,607▼ €20,546
lowest -€81,348 (2025)
-€81,348▼ €71,774
peak €2,090 (2023)
-€88,832▼ €81,348
€374,190▲ 88.9%
Board2 names since 2023
2 directorsBLERET Aline Cécile Jean-Marie Ghislaine and 1 other
Documentsfilings and deeds
26-06-202635 days before the deadline
2025micro format
Gross margin from -€5,061 to -€25,607Loss of €81,348Equity from -€7,484 to -€88,832Debts from €198,095 to €374,190Investments €175,774Cash from €73,637 to €1,566
Key points
from the 2025 annual accountsLosses
-€91,332 in three years
Every financial year from 2023 to 2025 closed with a loss. 2025 was the heaviest.
Debts
€374,190 131% of the balance sheet
Financial debts 68%Suppliers 4%Taxes and wages 2%Other 27%
Of this, €119,070 falls due within a year.
Investments
€170,774 8.8 × depreciation
Green is investment, beige is depreciation. Land and buildings stand 22.9% higher than in 2024.
Liquidity
0.11 was 4.16 in 2024
Short-term debts rose from €17,889 to €119,070.
Position in the sector
-€81,348
Lower net result than 95% of companies in personal services. Sector median €2,797 · 5,760 companies.
Turnover not published (micro format)
Checked score
51
Fair
Financially stronger than 11% of micro companies in personal services (NACE 96)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 7,626 companies (NACE 96, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.5%lowest value
01-2025: 0.5%● unchanged vs 12-2024
02-2025: 0.5%● unchanged vs 01-2025
03-2025: 0.5%● unchanged vs 02-2025
04-2025: 0.5%● unchanged vs 03-2025
05-2025: 0.5%● unchanged vs 04-2025
06-2025: 0.6%▲ +0.1 percentage points vs 05-2025
07-2025: 0.8%▲ +0.2 percentage points vs 06-2025
08-2025: 0.8%● unchanged vs 07-2025
09-2025: 0.8%● unchanged vs 08-2025
10-2025: 0.8%● unchanged vs 09-2025
11-2025: 0.8%● unchanged vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.9%▲ +0.1 percentage points vs 06-2026
08-2026: 1.0%▲ +0.1 percentage points vs 07-2026
09-2026: 1.3%▲ +0.3 percentage points vs 08-2026
10-2026: 2.2%▲ +0.9 percentage points vs 09-2026highest value
11-2026: 2.2%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €81,348, the second in a row (financial year 2025)
Founded in 2023
Negative equity -€88,832
lowers risk
Size: total assets €285,358
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 96, micro). It does better than 11% of them on solvency, 24% on liquidity, 9% on profitability and 1% on growth.
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, 7,639 companies had the same profile as GREGALAM has now. Each dot stands for 20 companies, two years later.
84.8%
were still trading
5.6%
stopped another way
8.8%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of GREGALAM itself: 2.2% within 12 months.
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 7,639 companies, not a prediction for GREGALAM. 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
No credit on open account
Liquidity is insufficient, with a current ratio of 0.11 (4.16 in 2024), below 1. Short-term debt is 41.7% and cash 0.5% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
232425
2023 to 2025 · latest year -€88,832
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 26-06-2026, 35 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
35 days early
2024
34 days early
2023
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 14 days before the deadline. In the sector (NACE 96), the median for financial year 2024 was on the deadline day, and 48% of those companies filed late.
Searched, nothing found (2)
neutral · 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 27 June (3 of the last 3 accounts filed within 62 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MAESEN Grégory René Jules Joseph Ghislain 50 sharesdeed of 15-06-2023
- BLERET Aline Cécile Jean-Marie Ghislaine 50 sharesdeed of 15-06-2023
Recent changes
Incorporation
Founding capital of €2,500, 100 shares · Founders: MAESEN Grégory René Jules Joseph Ghislain (fondateur,comparant,actionnaire); BLERET Aline Cécile Jean-Marie Ghislaine (fondateur,comparant,actionnaire) · Appointments: MAESEN Grégory René Jules Joseph Ghislain (director) and BLERET Aline Cécile Jean-Marie Ghislaine (director) · published on 15-06-2023 · Gazette deed
First establishment
Rue des Coqlis, Rencheux 2, Vielsalm
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GREGALAM Vielsalm | €285,358 | -€25,607 | -31.1% | - |
| Marbrerie Legroux Charleroi | €231,300 | - | 22.5% | - |
| MEMORIA GROUP Machelen (Brab.) | €75,760 | -€3,282 | 71.6% | - |
| FIRDAUS UITVAARTZORG Antwerp | €250,111 | - | 4.8% | - |
| BRUSSELS FUNERALS SERVICES Brussels | €78,455 | -€15,113 | 6.9% | - |
| SOETE PROJECTS Ostend | €122,899 | €3,788 | -4.4% | - |
| Centre Funéraire Laurent Wauthy & Heerwegh Rochefort | €295,020 | €4,463 | 40.0% | - |
These companies have the same main activity as GREGALAM: funeral services (NACE 96301). They are comparable in size and age: total assets between €75,800 and €295,000, founded between 2018 and 2023.
Official details
Source: KBO- Status
- Active since 13-06-2023Normal situation
- Activity
- Funeral servicesNACE 96301
- Joint committee
- 320Funeral directors · annual accounts 2025
- Establishment unit
- 2.347.336.6526690 Vielsalm, since 13-06-2023
- Financial year end
- 31 December
- Peppol
- Reachable
Annual accounts 2025
- €285,358▲ 49.7%
- Employeeson 31-12-2025
- 2
- Filing
- Filed on 26-06-2026, 35 days before the end of the filing period
Insights on GREGALAM
GREGALAM files the micro format. That format states no turnover. The gross margin fell from -€384 in 2023 to -€25,607 in 2025.
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 GREGALAM
- What is the company number of GREGALAM?
- The company number of GREGALAM is 0802.701.031. The VAT number is the same number with BE in front: BE 0802.701.031.
- Where is GREGALAM based?
- The registered office is at Rue des Coqlis, Rencheux 2, 6690 Vielsalm.Company details
- What does GREGALAM do?
- According to the KBO register, the main activity is funeral services (NACE 96301).
- What is the legal form of GREGALAM?
- GREGALAM is a private limited company (BV).
- When was GREGALAM founded?
- GREGALAM was founded on 13-06-2023.
- Is GREGALAM still active?
- Yes, GREGALAM is an active enterprise in the KBO register.
- How many employees does GREGALAM have?
- GREGALAM had an average of 0.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does GREGALAM fall under?
- In its 2025 annual accounts, GREGALAM states joint committee 320 (Funeral directors).
- What is the turnover of GREGALAM?
- The annual accounts for financial year 2025 state no turnover. The micro format does not require it.
- Is GREGALAM profitable?
- In financial year 2025, GREGALAM made a loss of €81,348.
- Where can I find the annual accounts of GREGALAM?
- GREGALAM filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GREGALAM due?
- GREGALAM must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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