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IMMO GFH

Active
Private limited companyfounded 20179 yrs activeRue Pont-à-Migneloux 24, 6041 Charleroi, BelgiumKBO/BCE: BE 0680.907.633
Summary

IMMO GFH has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.5m and a net result of -€153,929. Equity is growing by ~68% per year across the filed fiscal years. Its solvency ranks better than 41% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
€7.6mtotal assets 2025
Equity
€1.5m
Loss
-€153,929
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Holdings
1
Accounts filed 9 d late0 of 7 deeds read
Why 87- Liquidity: current ratio 0.23, cash €27,987+ Size: total assets €7.6m+ Sector Real estate activities (NACE 68)+ Figures for FY 2025 (filed 11-04-2026)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 35% of its sector peers (NACE 68, small)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Weak
Solvency 45-4
equity 19.6% of total assets
Liquidity 48=
short-term debt 13.9% · cash 0.4%
Profitability 36-15
return on assets -2.0%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,922 companies)
Last 9 months 02-2026: 0.2%lowest value 03-2026: 0.2%▲ +6.7% vs 02-2026 04-2026: 0.3%▲ +108% vs 03-2026highest value 05-2026: 0.2%▼ -42.8% vs 04-2026 06-2026: 0.2%● 0.0% vs 05-2026 07-2026: 0.2%● 0.0% vs 06-2026 08-2026: 0.2%● 0.0% vs 07-2026 09-2026: 0.2%● 0.0% vs 08-2026 10-2026: 0.2%● 0.0% vs 09-2026
  • Liquidity: current ratio 0.23, cash €27,987 raises the probability
  • Size: total assets €7.6m lowers the probability for this profile
  • Sector Real estate activities (NACE 68) lowers the probability
  • Figures for FY 2025 (filed 11-04-2026) lowers the probability
Credit up to €120,000 at 30 days acceptable
Liquidity short (current ratio 0.23 against 0.46 in 2024; short-term debt: 13.9% and cash: 0.4% of total assets), and 80.4% 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 68, small). Better than this share of them on solvency 39%, liquidity 48%, profitability 31%, growth against the median 23%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 0.23, cash €27,987
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Size: total assets €7.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Figures for FY 2025 (filed 11-04-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€153,929
neutral · Filed after the deadline
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 09-04-2026, 9 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 · 8 filings
Deviation from the deadline
2025
9 d late
2024
3 d early
2023
2 d early
2022
19 d early
2021
4 d early
2020
2 d early
2019
on the day
← 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 3 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today. Usually files around 30 March (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-08-2026 close02-10-2026 today31-03-2027 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. Weakest financial yearnet -€153,929
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Result fell in 2025from -€68,004 to -€153,929 ▼ 126% View
  • Caution: Among the weakest 5% on net resultsector median €5,673 · 15,308 companies -€153,929 View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€153,929 View

By topic

Financials

Fiscal year
2025
Total assets
€7.6m
Loss
-€153,929
Solvency
19.6%
Total assets▲ 9.9%
Net result
20192025
Go to Financials

Timeline

Events
14
Since
2019
Next accounts
by 31-03-2027
  1. 09-04-2026Annual accounts filed
  2. 31-08-2025Weakest financial year
  3. 28-03-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
11-09-2017
Year ends
31-08
Peppol
Reachable for e-invoices
Go to Company details

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