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IMMO GABAL

Active
Private limited companyfounded 20242 yrs activeRue de Cent Pieds(BUV) 61, 7133 Binche, BelgiumKBO/BCE: BE 1010.339.330
Summary

The computed 12-month bankruptcy probability of IMMO GABAL is 4.6% (elevated). The 2025 annual accounts show negative equity (-€474) and a net result of -€2,726. The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability64▲+52
Solvency24▼-4
Growth58
Track record82
Bankruptcy probability, 12 months
4.6% Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.11 against 0.09 in 2024; short-term debt: 100.7% and cash: 9.6% of total assets), and equity is negative.
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Signals

Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
raises risk · No NACE activity registered
No NACE activity is registered in the KBO, which is more common among companies that later fail.
KBO · activities
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 2025
Solvency, return and age of the figures
Solvency
-0.7%
Return on assets
-4.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
2425
2024 to 2025 · latest year -€474
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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 · 2 filings
Deviation from the deadline
2025
18 d late
2024
27 d late
← before the deadline after the deadline →
tick = median of all Belgian filings

This company filed its last 2 accounts on average 23 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were 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 months
Position in the running window
27-09-2026 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

History

IMMO GABAL was incorporated on 13 June 2024 as a Private limited company.1 The company has filed 2 sets of annual accounts, the latest for fiscal year 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2025

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Financials · fiscal year 2025, micro schema

Equity
-€474
2024 · €2,252
Total assets
€66,915▼ 3.4%
2024 · €69,302
Net result
-€2,726▲ 27.3%
2024 · -€3,748
Working capital
-€59,715▲ 2.2%
2024 · -€61,055
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20242025
Operating result-€3,562--€2,612▲ 26.7%
Net result-€3,748--€2,726▲ 27.3%
Equity€2,252--€474
Total assets€69,302-€66,915▼ 3.4%
Debt€67,050-€67,389▲ 0.5%
Working capital-€61,055--€59,715▲ 2.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€3,000-€2,000-€1,000€0Operating result 2024: -€3,562-€3,562Net result 2024: -€3,748-€3,748Operating result 2025: -€2,612-€2,612Net result 2025: -€2,726-€2,72620242025-€4,000-€3,000-€2,000-€1,000€0Operating result 2024: -€3,562-€3,560Net result 2024: -€3,748-€3,750Operating result 2025: -€2,612-€2,610Net result 2025: -€2,726-€2,73020242025
The operating result stays negative: a loss of €2,612 in 2025 against €3,562 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66,000
Fixed assets €58,325 ▼ 6.1%
Current assets €7,675 ▲ 28.0%
Key figures and ratios
2025 value · change against 2024
EBITDA
€1,455▲
2024 · -€1,436
Cash flow
€1,341▲
2024 · -€1,622
Solvency
-0.7%▼
2024 · 3.2%
Current ratio
0.11▲
2024 · 0.09
ROA
-4.1%▲
2024 · -5.4%
Interest coverage
12.75▲
2024 · -7.72
Debt ≤ 1 year
€67,389▲
2024 · €67,050
Equity ratios withheld: equity of -€474 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,554 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 91% are still going.

  • Micro
  • 2 to 5 years old
  • negative equity
  • a small loss
4.1% went bankrupt
3.5% stopped otherwise
91% still going

A further 1.0% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 4.6% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
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% 1.6%
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 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 1,554 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 27 lines
Balance sheet Code20242025
Assets
Total assets20/58€69,302€66,915▼
Formation expenses20€1,181€915▼
Fixed assets21/28€62,126€58,325▼
Tangible fixed assets22/27€62,126€58,325▼
Land and buildings22€62,126€58,325▼
Current assets29/58€5,995€7,675▲
Cash at bank and in hand54/58€4,968€6,432▲
Deferred charges and accrued income490/1€1,027€1,242▲
Equity and liabilities
Total equity and liabilities10/49€69,302€66,915▼
Equity10/15€2,252-€474▼
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14-€3,748-€6,474▼
Amounts payable17/49€67,050€67,389▲
Amounts payable within one year42/48€67,050€67,389▲
Other amounts payable47/48€67,050€67,389▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,126€4,067▲
Other operating charges640/8€578€593▲
Non-recurring operating charges66A€1,012-
Gross operating margin9900€154€2,048▲
Operating profit (loss)9901-€3,562-€2,612▲
Financial charges65/66B€186€114▼
Recurring financial charges65€186€114▼
Profit (loss) for the period before taxes9903-€3,748-€2,726▲
Profit (loss) for the period9904-€3,748-€2,726▲
Profit (loss) for the period to be appropriated9905-€3,748-€2,726▲
Appropriation of the result
Profit (loss) to be appropriated9906-€3,748-€6,474▼
Profit (loss) brought forward from the previous period14P--€3,748

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,126€4,067▲ 91.3%
Other operating charges640/8€578€593▲ 2.5%
Non-recurring operating charges66A€1,012--
Gross operating margin9900€154€2,048▲ 1,233%
Operating profit (loss)9901-€3,562-€2,612▲ 26.7%
Financial charges65/66B€186€114▼ 38.7%
Recurring financial charges65€186€114▼ 38.7%
Profit (loss) for the period before taxes9903-€3,748-€2,726▲ 27.3%
Profit (loss) for the period9904-€3,748-€2,726▲ 27.3%
Profit (loss) for the period to be appropriated9905-€3,748-€2,726▲ 27.3%
Line20242025Change
Assets
Total assets20/58€69,302€66,915▼ 3.4%
Formation expenses20€1,181€915▼ 22.5%
Fixed assets21/28€62,126€58,325▼ 6.1%
Tangible fixed assets22/27€62,126€58,325▼ 6.1%
Land and buildings22€62,126€58,325▼ 6.1%
Current assets29/58€5,995€7,675▲ 28.0%
Cash at bank and in hand54/58€4,968€6,432▲ 29.5%
Deferred charges and accrued income490/1€1,027€1,242▲ 21.0%
Equity and liabilities
Total equity and liabilities10/49€69,302€66,915▼ 3.4%
Equity10/15€2,252-€474▼ 121%
Contributions10/11€6,000€6,000=
Profit (loss) carried forward14-€3,748-€6,474▼ 72.7%
Amounts payable17/49€67,050€67,389▲ 0.5%
Amounts payable within one year42/48€67,050€67,389▲ 0.5%
Other amounts payable47/48€67,050€67,389▲ 0.5%
Line20242025Change
Profit (loss) for the period9904-€3,748-€2,726▲ 27.3%
+ Depreciation and write-downs630€2,126€4,067▲ 91.3%
Operating cash flow (approximation)-€1,622€1,341▲ 183%
Investment in fixed assets (approximation)--€266-
Change in cash-€1,464-

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
18-08
NBB filing Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
27-08
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
NBB filing
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, Binche
exact location from the address register On OpenStreetMap
Ground area
821 m²
Building footprint
138 m²
Volume, LiDAR
812 m³
Parcel 56014A0410/00W000, Wallonia · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
56014A0410/00W000 Wallonia 821 m² 1 · 138 m² 7.4 m · 2 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.

Identification & contact

Identification
Legal formPrivate limited company
Founded13-06-2024
Fiscal year end31-12
E-invoicing
Reachable via Peppol
Peppol ID 0208:1010339330
Also 9925:BE1010339330
Registered 18-12-2025

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.