Gerald KREITZ
ActiveGerald KREITZ has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €-2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 7931 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
44
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48=
Solvency27=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.35 against 0.38 in 2024; short-term debt: 73.5% and cash: 0.8% of total assets), and 98.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
1.8%
Return on assets
-0.4%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 7931 sector peers (2025).
NBB · sector comparisonPosition among 7931 sector peers
Solvency
better than 12%
← weakest
strongest →
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
28 d early
2023
13 d early
2022
38 d early
2021
62 d early
2020
47 d early
2019
148 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-2k
2024 · €100
2018: €-31k
2019: €38
2020: €48k
2021: €60k
2022: €1k
2023: €-19k
2024: €100
2018 → 2025
Working capital
€-283k▼ 8.8%
2024 · €-260k
2018: €-138k
2019: €-178k
2020: €-159k
2021: €-136k
2022: €-104k
2023: €-222k
2024: €-260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€41k▼ 6.8%€17k▼ 57.5%€15k▼ 13.0%€10k▼ 31.0%
Operating result€86k-€27k▼ 68.9%€10k▼ 63.1%€33k▲ 231%€24k▼ 25.9%
Net result€60k-€1k▼ 98.3%€-19k€100€-2k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588k
Fixed assets
€438k▼ 11.9%
Current assets
€150k▼ 6.7%
Equity and liabilities €588k
Equity
€10k▼ 31.0%
Debt
€577k▼ 10.1%
The debt ratio rises from 97.7% to 98.2%. Equity and debt are lower.
Key figures and ratios
EBITDA
€113k▼
2024 · €122k
Cash flow
€86k▼
2024 · €89k
Solvency
1.8%▼
2024 · 2.3%
Current ratio
0.35▼
2024 · 0.38
Quick ratio
0.26▼
2024 · 0.30
Debt / equity
55.29▲
2024 · 42.43
ROE
-22.4%▼
2024 · 0.7%
ROA
-0.4%▼
2024 · 0.0%
Interest coverage
3.63▲
2024 · 3.49
Debt
€577k▼
2024 · €642k
Debt ≤ 1 year
€432k▲
2024 · €420k
Debt > 1 year
€141k▼
2024 · €219k
Income taxes
€141▲
2024 · €139
Staff costs
€249k▲
2024 · €241k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€657k€588k▼
Fixed assets21/28€497k€438k▼
Tangible fixed assets22/27€496k€430k▼
Land and buildings22€258k€231k▼
Plant, machinery and equipment23€174k€142k▼
Furniture and vehicles24€59k€43k▼
Leasing and similar rights25-€11k
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€2k€8k▲
Current assets29/58€160k€150k▼
Stocks and contracts in progress3€34k€35k▲
Stocks30/36€34k€35k▲
Amounts receivable within one year40/41€115k€101k▼
Trade receivables40€111k€99k▼
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€3k€5k▲
Deferred charges and accrued income490/1€8k€8k=
Equity and liabilities
Total equity and liabilities10/49€657k€588k▼
Equity10/15€15k€10k▼
Contributions10/11€19k€19k=
Reserves13€9k€9k=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€-19k€-22k▼
Investment grants15€7k€4k▼
Amounts payable17/49€642k€577k▼
Amounts payable after more than one year17€219k€141k▼
Financial debts170/4€219k€141k▼
Amounts payable within one year42/48€420k€432k▲
Current portion of amounts payable after more than one year42€98k€90k▼
Financial debts43€150k€162k▲
Credit institutions430/8€150k€162k▲
Trade debts44€131k€139k▲
Suppliers440/4€131k€139k▲
Taxes, remuneration and social security45€41k€40k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€35k€37k▲
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€241k€249k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€89k€89k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€167▼
Other operating charges640/8€13k€7k▼
Gross operating margin9900€381k€369k▼
Operating profit (loss)9901€33k€24k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€35k€31k▼
Recurring financial charges65€35k€31k▼
Profit (loss) for the period before taxes9903€240€-2k▼
Income taxes67/77€139€141▲
Profit (loss) for the period9904€100€-2k▼
Profit (loss) for the period to be appropriated9905€100€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-22k▼
Profit (loss) brought forward from the previous period14P€-20k€-19k▲
Social balance
Average headcount (FTE)90874.85.0▲
The notes to these accounts (21 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
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €100
Net result €100 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €60k ▲25%
Operating result €86k, net result €60k, both a record.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €38
Net result €38 after one loss-making year.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 12 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Bütgenbach · 2 establishment units since 2008
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.
Malmedyer Strasse 514750 BütgenbachGround area
1,344 m²
Building footprint
242 m²
Volume, LiDAR
779 m³
Parcel 63553B0228/00Z000, Wallonia · tallest building 3.9 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
GERALD KREITZ PGMBH
since 20082.166.133.328
GERALD KREITZ
since 20162.250.383.766
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63553B0228/00Z000 | Wallonia | 1,344 m² | 1 · 242 m² | 3.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBütgenbach/Butgenbach2.166.133.328
Waimes/Weismes2.250.383.766
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DE PLECKER FRESH FOOD
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Of 956 companies in sector 46319 we hold annual accounts for 609. 161 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-2007
Fiscal year end31-12
Activities, NACEBEL
46319Wholesale of fruit and vegetables, excluding potatoes
47210Retail sale of fruit and vegetables
51310
46331Wholesale trade
47271Retail trade
47291Retail trade
51331
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.