GAMBIT Financial Solutions

Active

Public limited companyfounded 200719 yrs activeRue de Mulhouse 36, 4020 Liège, BelgiumKBO/BCE: BE 0890.021.619

Summary

The annual accounts of GAMBIT Financial Solutions for fiscal year 2025 show a net loss of 59% of the equity at the start of that year. The 2025 annual accounts show equity of €12.5m and a net result of -€8.0m. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 77% of 1670 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch Report Compare

GAMBIT Financial SolutionsActiveChecked score 55/100

Risk analysis Report Compare

Activity

Computer programming

NACE 62100NACE 62010NACE 72210

#1 employer in Liège, Telecoms and IT sector2 sites

Size

€9.7mturnover 2025

Staff: 67 FTE
Equity: €12.5m
Loss: -€8.0m

Financial health

55 Fair Checked score 2025

Bankruptcy chance 12 m: 0.3%

Structure

Parent: BNP PARIBAS ASSET MANAGEMENT HOLDING · 100%
Board: 10 members
Holdings: 2

Auditor: Ernst et Young Reviseurs d'EntreprisesAccounts 64 d early

Why 55Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year- Loss of €8.0m, the second in a row (FY 2025)- Liquidity: current ratio 1.93, cash €814,091+ Sector Computer programming, consultancy and related activities (NACE 62)+ Equity €12.5m (65.3% of total assets)Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Better than 45% of its sector peers (NACE 62, medium-sized)

Performance against the sector, not lower risk

A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59. Every signal that weighs is under Signals.

Financial strength · tick = 2024

Average

Solvency 90-10

equity 65.3% of total assets

Liquidity 47-4

short-term debt 24.1% · cash 4.3%

Profitability 0=

return on assets -42.1%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (209 companies)

Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%● 0.0% vs 12-2024 02-2025: 0.5%▼ -1.9% vs 01-2025 03-2025: 0.5%● 0.0% vs 02-2025 04-2025: 0.6%▲ +6.2% vs 03-2025 05-2025: 0.6%▲ +0.7% vs 04-2025 06-2025: 0.6%▲ +4.1% vs 05-2025 07-2025: 0.7%▲ +16.1% vs 06-2025highest value 08-2025: 0.4%▼ -34.3% vs 07-2025 09-2025: 0.4%● 0.0% vs 08-2025 10-2025: 0.4%● 0.0% vs 09-2025 11-2025: 0.4%● 0.0% vs 10-2025 12-2025: 0.4%● 0.0% vs 11-2025 01-2026: 0.4%● 0.0% vs 12-2025 02-2026: 0.4%▼ -4.7% vs 01-2026 03-2026: 0.4%▲ +0.5% vs 02-2026 04-2026: 0.5%▲ +6.3% vs 03-2026 05-2026: 0.5%▲ +1.1% vs 04-2026 06-2026: 0.3%▼ -26.3% vs 05-2026lowest value 07-2026: 0.3%● 0.0% vs 06-2026lowest value 08-2026: 0.3%▲ +1.8% vs 07-2026 09-2026: 0.3%● 0.0% vs 08-2026 10-2026: 0.3%● 0.0% vs 09-2026

Loss of €8.0m, the second in a row (FY 2025) raises the probability
Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
Equity €12.5m (65.3% of total assets) lowers the probability
Liquidity: current ratio 1.93, cash €814,091 raises the probability

Credit up to €650,000 at 30 days only on tighter terms

Net loss of at least half of total assets or of the equity at the start of the financial year.

Liquidity ample (current ratio 1.93 against 2.59 in 2024; short-term debt: 24.1% and cash: 4.3% of total assets), and 34.7% 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 62, medium-sized). Better than this share of them on solvency 83%, liquidity 64%, profitability 2%, growth against the median 32%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. 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.

Credit check for your own amount and term

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Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Loss of €8.0m, the second in a row (FY 2025)

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

Sector Computer programming, consultancy and related activities (NACE 62)

In the bankruptcy model this factor lowers the probability.

KBO

Equity €12.5m (65.3% of total assets)

In the bankruptcy model this factor lowers the probability.

NBB · annual accounts

Liquidity: current ratio 1.93, cash €814,091

In the bankruptcy model this factor raises the probability.

NBB · annual accounts

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

1819202122232425

2018 to 2025 · latest year -€8.0m

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

64 d early

2024

8 d early

2023

54 d early

2022

59 d early

2021

18 d early

2020

31 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 35 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)

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 8 June (4 of the last 5 filed years within 35 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

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

30-09-26 Resignations: David VAILLANT (director and chair…Appointment: Edouard LEGRAND (chair of…
28-05-26 Annual accounts filedfiscal year 2025 · full…
26-05-26 Capital & shares · Statutes amendmentCapital increase · Share issue…

Key points

Risk: 4 loss-making years in a rowloss fiscal year 2025 -€8.0m View
Caution: Among the weakest 5% on net resultsector median €36,859 · 1,671 companies -€8.0m View
Board changedlatest change 30-09-2026 · 10 in office 1 joined · 2 left View
Controlled by BNP PARIBAS ASSET MANAGEMENT…known shareholders 100% 100% View
Positive: Always filed on timeaccounts within the deadline every year 7 years View