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GROUPE M

Active
Private limited companyfounded 198837 yrs activeRue de l'Espérance 233, 4000 Liège, BelgiumKBO/BCE: BE 0435.652.140
Summary

GROUPE M has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.9m and a net result of €478,025. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 21938 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
GROUPE MActiveChecked score 99/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of beverages, general range
NACE 47252Wholesale of wines and spirits NACE 46341Logistics services NACE 52250
3 sites
Size
€2.0mtotal assets 2025
Equity
€1.9m
Profit
€478,025
Turnover not published (abridged schema)
Financial health
99 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Parent
OBSERVATORIUM · 100%
Accounts filed 28 d late0 of 3 deeds read
Why 99+ Liquidity: current ratio 20.23, cash €541,394+ Equity €1.9m (95.1% of total assets)+ Founded in 1988+ Size: total assets €2.0mShow the evidence

Checked score

Score 2025
99 / 100
Excellent
Probability in this band: under 0.55%
Better than 88% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 95.1% of total assets
Liquidity 85-5
short-term debt 4.9% · cash 27.8%
Profitability 99-1
return on assets 24.5%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (39,974 companies)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● 0.0% vs 11-2024 01-2025: < 0.1%● 0.0% vs 12-2024 02-2025: < 0.1%▲ +2.3% vs 01-2025 03-2025: < 0.1%● 0.0% vs 02-2025 04-2025: < 0.1%▲ +2.3% vs 03-2025 05-2025: < 0.1%▼ -2.2% vs 04-2025 06-2025: < 0.1%▼ -2.3% vs 05-2025 07-2025: < 0.1%▲ +16.3% vs 06-2025 08-2025: < 0.1%▼ -28.0% vs 07-2025 09-2025: < 0.1%● 0.0% vs 08-2025 10-2025: < 0.1%● 0.0% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%▲ +2.8% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%▲ +2.7% vs 04-2026 06-2026: < 0.1%▼ -2.6% vs 05-2026 07-2026: < 0.1%▲ +8.1% vs 06-2026 08-2026: 0.1%▲ +80.0% vs 07-2026highest value 09-2026: < 0.1%▼ -55.6% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 20.23, cash €541,394 lowers the probability
  • Equity €1.9m (95.1% of total assets) lowers the probability
  • Founded in 1988 lowers the probability for this profile
  • Size: total assets €2.0m lowers the probability for this profile
Credit up to €180,000 at 30 days acceptable
Liquidity ample (current ratio 20.23 against 7.39 in 2024; short-term debt: 4.9% and cash: 27.8% of total assets), and 4.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 88%, profitability 91%, growth against the median 81%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Liquidity: current ratio 20.23, cash €541,394
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €1.9m (95.1% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1988
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Size: total assets €2.0m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
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 filings
Deviation from the deadline
2025
28 d late
2024
1 d early
2023
84 d early
2022
11 d late
2021
4 d early
2020
5 d early
2019
8 d early
← 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 9 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 30 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €478,025 ▲19.6%
  3. Liquidity triplescurrent ratio 20.23

Key points

  • Positive: Among the best 5% on solvencysector median 34.0% · 21,938 companies 95.1% View
  • Controlled by OBSERVATORIUM 100% View
  • Positive: 7 profitable years in a rowprofit 2025: €478,025 7 years View
  • Positive: Equity rose in 2025from €1.4m to €1.9m ▲ 34.7% View

By topic

Financials

Fiscal year
2025
Total assets
€2.0m
Profit
€478,025
Solvency
95.1%
Turnover▲ 18.5%
Net result
20212023
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 28-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Liquidity triples
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Retail sale of beverages, general rangeNACE 47252
Founded
02-11-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

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