Dr. DU GERNIER
ActiveSummary
Dr. DU GERNIER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €276k and a net result of €107k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 13305 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 4.7 against 6.07 in 2024; short-term debt: 21.2% and cash: 98.5% of total assets), and 21.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
78.8%
Return on assets
30.5%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
31 d early
2021
30 d late
2020
27 d late
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€276k▲ 18.8%
2024 · €232k
2019: €169k
2020: €149k
2021: €160k
2022: €152k
2023: €198k
2024: €232k
2019 → 2025
Total assets
€350k▲ 26.1%
2024 · €277k
2019: €250k
2020: €202k
2021: €213k
2022: €215k
2023: €213k
2024: €277k
2019 → 2025
Net result
€107k▲ 31.3%
2024 · €81k
2019: €40k
2020: €17k
2021: €54k
2022: €44k
2023: €45k
2024: €81k
2019 → 2025
Working capital
€274k▲ 19.3%
2024 · €230k
2019: €131k
2020: €114k
2021: €138k
2022: €150k
2023: €197k
2024: €230k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€160k-€152k▼ 4.7%€198k▲ 29.9%€232k▲ 17.4%€276k▲ 18.8%
Operating result€70k-€67k▼ 4.6%€65k▼ 3.7%€112k▲ 72.7%€154k▲ 38.0%
Net result€54k-€44k▼ 18.9%€45k▲ 3.4%€81k▲ 78.8%€107k▲ 31.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€1k ▼ 39.0%
Current assets
€348k ▲ 26.6%
Equity and liabilities €350k
Equity
€276k ▲ 18.8%
Debt
€74k ▲ 63.4%
Debt's share of the balance-sheet total rises from 16.4% to 21.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€155k▲
2024 · €112k
Cash flow
€107k▲
2024 · €82k
Current ratio
4.70▼
2024 · 6.07
Debt to equity
0.27▲
2024 · 0.20
ROE
38.7%▲
2024 · 35.0%
ROA
30.5%▲
2024 · 29.3%
Interest coverage
60.03▲
2024 · 38.28
Debt ≤ 1 year
€74k▲
2024 · €45k
Income taxes
€45k▲
2024 · €28k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€277k€350k▲
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€0€0=
Current assets29/58€275k€348k▲
Cash at bank and in hand54/58€271k€345k▲
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€277k€350k▲
Equity10/15€232k€276k▲
Contributions10/11€59k€59k=
Reserves13€173k€216k▲
Distributable reserves133€173k€216k▲
Amounts payable17/49€45k€74k▲
Amounts payable within one year42/48€45k€74k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€30k€32k▲
Taxes450/3€21k€24k▲
Remuneration and social security454/9€9k€8k▼
Other amounts payable47/48€12k€37k▲
Income statement
Code20242025
Non-recurring operating income76A€25k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€766€803▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€113k€156k▲
Operating profit (loss)9901€112k€154k▲
Financial income75/76B€369€346▼
Recurring financial income75€369€346▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€109k€152k▲
Income taxes67/77€28k€45k▲
Profit (loss) for the period9904€81k€107k▲
Profit (loss) for the period to be appropriated9905€81k€107k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€107k▲
Transfer from equity791/2€23k€63k▲
Transfer to equity691/2€57k€107k▲
To other reserves6921€57k€107k▲
Profit to be distributed694/7€47k€63k▲
Return on contributions (dividend)694€47k€63k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €107k ▲31.3%
Operating result €154k, net result €107k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Equity above €200kEq €232k ▲17.4%
6 profitable years in a row build equity to €232k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 14.18
Current ratio from 3.40 to 14.18; short-term debt falls from €63k to €15k.
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-03
Financial
Equity above €150kEq €160k ▲6.9%
3 profitable years in a row build equity to €160k.
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
31-03
Financial
Weakest financial yearnet €17k ▼56.4%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Geraardsbergen · 1 establishment unit since 2003
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Hoge Buizemont 179500 GeraardsbergenGround area
665 m²
Building footprint
163 m²
Volume, LiDAR
1,112 m³
Parcel 41018B1101/00V000, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hoge Buizemont 17, 9500 Geraardsbergen
since 20032.353.892.664
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018B1101/00V000 | Flanders | 665 m² | 1 · 163 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Compagnie Cordial
BE 0676.724.656
Gent · Eq €275,817
ULTIMATE SERVICES
BE 0544.881.959
Antwerpen · Eq €275,830
HUYSE SORGVLIET
BE 0476.002.061
Sint-Niklaas · Eq €275,845
Traiteur Charlet
BE 1000.871.932
Perwez · Eq €275,136
BIEBAUW BART
BE 0844.693.618
Oostkamp · Eq €275,061
Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,608 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-1999
Fiscal year end31-03
Activities, NACEBEL 2025
56210Event catering
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.