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AG GÉRARD

Active
Private limited companyfounded 20242 yrs activeChemin de Huy, Baillonville 17, 5377 Somme-Leuze, BelgiumKBO/BCE: BE 1008.745.659
Summary

AG GÉRARD has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,735 and a net result of €47,213. Its solvency ranks better than 22% of 11587 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Risk analysisWatch ReportCompare
AG GÉRARDActiveChecked score 83/100
Risk analysis ReportCompare

Overview

Activity
Urban planning and landscape architecture
NACE 71113Landscape service activities NACE 81300
#10 company by total assets in Somme-Leuze, Professional and technical services sector1 site
Size
€443,160total assets 2025
Staff
0.9 FTE
Equity
€93,735
Profit
€47,213
Turnover not published (abridged schema)
Financial health
83 Excellent Checked score 2025
Bankruptcy chance 12 m
0.4%
Structure
Accounts 1 d early0 of 1 deed read
Why 83- 1 of the last 3 late- Liquidity: current ratio 0.58, cash €9,582+ Sector Architectural and engineering activities; technical testing and analysis (NACE 71)+ Size: total assets €443,160Show the evidence

Checked score

Score 2025
83 / 100
Excellent
Probability in this band: under 0.55%
Better than 47% of its sector peers (NACE 71, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 46+4
equity 21.2% of total assets
Liquidity 41+16
short-term debt 28.5% · cash 2.2%
Profitability 82-7
return on assets 10.7%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,689 companies)
Last 24 months 05-2025: 0.5% 06-2025: 0.5%● 0.0% vs 05-2025 07-2025: 0.5%▲ +2.1% vs 06-2025 08-2025: 0.5%▲ +3.5% vs 07-2025 09-2025: 0.5%▲ +2.2% vs 08-2025 10-2025: 0.5%▲ +1.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%▲ +5.0% vs 11-2025 01-2026: 0.6%▲ +2.6% vs 12-2025 02-2026: 0.6%▼ -1.4% vs 01-2026 03-2026: 0.5%▼ -0.9% vs 02-2026 04-2026: 0.6%▲ +7.5% vs 03-2026highest value 05-2026: 0.6%▼ -2.2% vs 04-2026 06-2026: 0.6%▼ -0.3% vs 05-2026 07-2026: 0.6%▲ +2.4% vs 06-2026 08-2026: 0.4%▼ -34.3% vs 07-2026lowest value 09-2026: 0.4%● 0.0% vs 08-2026lowest value 10-2026: 0.4%● 0.0% vs 09-2026lowest value
  • Sector Architectural and engineering activities; technical testing and analysis (NACE 71) lowers the probability
  • Size: total assets €443,160 lowers the probability for this profile
  • 1 of the last 3 late raises the probability
  • Liquidity: current ratio 0.58, cash €9,582 raises the probability
Credit up to €7,000 at 30 days only on tighter terms
Liquidity short (current ratio 0.58 against 0.91 in 2024; short-term debt: 28.5% and cash: 2.2% of total assets), and 78.8% 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 71, micro). Better than this share of them on solvency 23%, liquidity 21%, profitability 52%, growth against the median 91%. 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

Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Sector Architectural and engineering activities; technical testing and analysis (NACE 71)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Size: total assets €443,160
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Liquidity: current ratio 0.58, cash €9,582
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 11587 sector peers (2025).
NBB · sector comparison
Position among 11587 sector peers
Solvency
better than 22%
← weakest strongest →
raises risk · Young company
Founded in 2024, under 3 years in business. Failure risk is statistically highest between 2 and 8 years after founding.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 2 years 0 10 y
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 30-07-2026, 1 day ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
1 d early
2024
61 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 2 accounts on average 30 days after the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 34% 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.
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. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Company by total assets in Somme-Leuze, Professional and…in the Checked rankings #10 View
  • Total assets 20252 fiscal years filed €443,160 View
  • Active since 2024founded 24-04-2024 2 years View

By topic

Financials

Fiscal year
2025
Total assets
€443,160
Profit
€47,213
Solvency
21.2%
Total assets▲ 59.5%
Net result
20242025
Go to Financials

Timeline

Events
2
Since
2025
Next accounts
by 31-07-2027
  1. 30-07-2026Annual accounts filed
  2. 30-09-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Urban planning and landscape architectureNACE 71113
Founded
24-04-2024
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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