Skip to content

GERALDINE D.

Active
Private limited companyfounded 20224 yrs activeRue du Champ des Vignes 24, 1380 Lasne, BelgiumKBO/BCE: BE 0780.485.259
Summary

The computed 12-month bankruptcy probability of GERALDINE D. is 1.9% (moderate). The 2025 annual accounts show equity of €1,319 and a net result of €829. Equity is shrinking by ~36% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 47% of 11508 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability99▲+49
Solvency63▲+28
Growth32=
Track record94
Bankruptcy probability, 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 4 years 0 10 y
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
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Higher-failure-rate region
In this region companies fail more often than in the rest of the country.
KBO · registered office
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 2025
Age of the figures
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filings
Deviation from the deadline
2025
31 d early
2024
23 d early
2023
24 d late
2022
32 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 1 day after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% 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. Usually files around 1 August (3 of the last 4 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
29-09-2026 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

History

On 14 January 2022, GERALDINE D. was incorporated as a Private limited company.1 In 2026 the registered office moved to Lasne.2 Total assets went from EUR 24,675 in 2022 to EUR 3,432 in 2025.3

  1. 1Crossroads Bank for Enterprises
  2. 2Belgian State Gazette, 17-06-2026
  3. 3National Bank, annual accounts 2022 and 2025

Go further with this company

Is this your company? See how customers and banks see it.

Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, micro schema

Equity
€1,319▲ 169%
2024 · €489
Total assets
€3,432▼ 32.7%
2024 · €5,097
Net result
€829
2024 · -€2,831
Working capital
€1,319
2024 · -€1,824
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line2022202320242025
Operating result€2,072-€919▼ 55.6%-€1,680€2,958
Net result€1,175within the sector's middle half-€145within the sector's middle half▼ 87.6%-€2,831within the sector's middle half€829within the sector's middle half
Equity€3,175below the sector's middle half-€3,321below the sector's middle half▲ 4.6%€489below the sector's middle half▼ 85.3%€1,319below the sector's middle half▲ 169%
Total assets€24,675below the sector's middle half-€12,071below the sector's middle half▼ 51.1%€5,097below the sector's middle half▼ 57.8%€3,432below the sector's middle half▼ 32.7%
Debt€21,499-€8,750▼ 59.3%€4,607▼ 47.3%€2,114▼ 54.1%
Working capital-€7,888below the sector's middle half--€3,620within the sector's middle half▲ 54.1%-€1,824within the sector's middle half▲ 49.6%€1,319within the sector's middle half
Solvency12.9%within the sector's middle half-27.5%within the sector's middle half▲ 14.6pp9.6%within the sector's middle half▼ 17.9pp
Current ratio0.62below the sector's middle half-0.59below the sector's middle half▼ 0.040.60below the sector's middle half▲ 0.02
Return on assets (ROA)4.8%within the sector's middle half-1.2%within the sector's middle half▼ 3.6pp-55.6%below the sector's middle half▼ 56.8pp
above within below the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€4,000-€2,000€0€2,000Operating result 2022: €2,072€2,072Net result 2022: €1,175€1,175Operating result 2023: €919€919Net result 2023: €145€145Operating result 2024: -€1,680-€1,680Net result 2024: -€2,831-€2,831Operating result 2025: €2,958€2,958Net result 2025: €829€8292022202320242025-€4,000-€2,000€0€2,000Operating result 2023: €919€919Net result 2023: €145€145Operating result 2024: -€1,680-€1,680Net result 2024: -€2,831-€2,830Operating result 2025: €2,958€2,960Net result 2025: €829€829202320242025
The operating result returns to profit in 2025: €2,958 after a loss of €1,680 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €3,432
Equity €1,319 ▲ 169%
Debt €2,114 ▼ 54.1%
Debt's share of the balance-sheet total falls from 90.4% to 61.6%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€5,272▲
2024 · €2,947
Cash flow
€3,143▲
2024 · €1,796
Interest coverage
27.10▲
2024 · 8.71
Debt ≤ 1 year
€2,114▼
2024 · €4,607
Income taxes
€1,934▲
2024 · €813
Ratios withheld: a balance sheet total of €3,432 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 39,278 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.

  • Micro
  • 2 to 5 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
1.8% went bankrupt
2.3% stopped otherwise
96% still going

A further 0.1% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 1.9% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 1.0%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.9%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 39,278 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 33 lines
Balance sheet Code20242025
Assets
Total assets20/58€5,097€3,432▼
Fixed assets21/28€2,314€0▼
Tangible fixed assets22/27€2,314€0▼
Furniture and vehicles24€2,314€0▼
Current assets29/58€2,783€3,432▲
Amounts receivable within one year40/41€0€107▲
Trade receivables40€0-
Other amounts receivable41€0€107▲
Cash at bank and in hand54/58€2,502€2,746▲
Deferred charges and accrued income490/1€282€580▲
Equity and liabilities
Total equity and liabilities10/49€5,097€3,432▼
Equity10/15€489€1,319▲
Contributions10/11€2,000€2,000=
Profit (loss) carried forward14-€1,511-€681▲
Amounts payable17/49€4,607€2,114▼
Amounts payable within one year42/48€4,607€2,114▼
Trade debts44€1,614€9▼
Suppliers440/4€1,614€9▼
Taxes, remuneration and social security45€1,307€813▼
Taxes450/3€1,307€813▼
Other amounts payable47/48€1,686€1,292▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,627€2,314▼
Other operating charges640/8€38€1,000▲
Gross operating margin9900€2,984€6,272▲
Operating profit (loss)9901-€1,680€2,958▲
Financial charges65/66B€338€195▼
Recurring financial charges65€338€195▼
Profit (loss) for the period before taxes9903-€2,019€2,764▲
Income taxes67/77€813€1,934▲
Profit (loss) for the period9904-€2,831€829▲
Profit (loss) for the period to be appropriated9905-€2,831€829▲
Appropriation of the result
Profit (loss) to be appropriated9906-€1,511-€681▲
Profit (loss) brought forward from the previous period14P€1,321-€1,511▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line2022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2,314€4,627€4,627€2,314▼ 50.0%
Other operating charges640/8€1,050-€38€1,000▲ 2,559%
Gross operating margin9900€5,436€5,546€2,984€6,272▲ 110%
Operating profit (loss)9901€2,072€919-€1,680€2,958▲ 276%
Financial income75/76B€3€40---
Recurring financial income75€3€40---
Financial charges65/66B-€61€338€195▼ 42.5%
Recurring financial charges65-€61€338€195▼ 42.5%
Profit (loss) for the period before taxes9903€2,075€898-€2,019€2,764▲ 237%
Income taxes67/77€900€753€813€1,934▲ 138%
Profit (loss) for the period9904€1,175€145-€2,831€829▲ 129%
Profit (loss) for the period to be appropriated9905€1,175€145-€2,831€829▲ 129%
Line2022202320242025Change
Assets
Total assets20/58€24,675€12,071€5,097€3,432▼ 32.7%
Fixed assets21/28€11,567€6,940€2,314€0▼ 100%
Tangible fixed assets22/27€11,567€6,940€2,314€0▼ 100%
Furniture and vehicles24€11,567€6,940€2,314€0▼ 100%
Current assets29/58€13,107€5,130€2,783€3,432▲ 23.3%
Amounts receivable within one year40/41€7,937€1,997€0€107-
Trade receivables40€5,943€1,712€0--
Other amounts receivable41€1,994€285€0€107-
Cash at bank and in hand54/58€3,893€2,460€2,502€2,746▲ 9.8%
Deferred charges and accrued income490/1€1,277€673€282€580▲ 106%
Equity and liabilities
Total equity and liabilities10/49€24,675€12,071€5,097€3,432▼ 32.7%
Equity10/15€3,175€3,321€489€1,319▲ 169%
Contributions10/11€2,000€2,000€2,000€2,000=
Profit (loss) carried forward14€1,175€1,321-€1,511-€681▲ 54.9%
Amounts payable17/49€21,499€8,750€4,607€2,114▼ 54.1%
Amounts payable within one year42/48€20,996€8,750€4,607€2,114▼ 54.1%
Trade debts44€3,799€1,215€1,614€9▼ 99.4%
Suppliers440/4€3,799€1,215€1,614€9▼ 99.4%
Advances received on contracts in progress46€2,381----
Taxes, remuneration and social security45€900€1,653€1,307€813▼ 37.8%
Taxes450/3€900€1,653€1,307€813▼ 37.8%
Other amounts payable47/48€13,916€5,882€1,686€1,292▼ 23.4%
Accrued charges and deferred income492/3€504----
Line2022202320242025Change
Profit (loss) for the period9904€1,175€145-€2,831€829▲ 129%
+ Depreciation and write-downs630€2,314€4,627€4,627€2,314▼ 50.0%
Operating cash flow (approximation)€3,489€4,772€1,796€3,143▲ 75.0%
Investment in fixed assets (approximation)-€0€0€0-
Change in cash--€1,433€41€244▲ 491%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
30-06
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
17-06
State Gazette act Registered office
Registered-office move3 facts ▸
  • General meeting, 20-04-2026
  • Registered-office move, 1380 Lasne–Rue du Champ des Vignes 24
  • Other statement, unité d'établissement, suppression
2025
31-12
Financial Back to profitnet €829
Net result €829 after one loss-making year.
31-12
Financial Liquidity triplescurrent ratio 1.62
Current ratio from 0.60 to 1.62; short-term debt falls from €4,607 to €2,114.
08-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€2,831
Net result drops to -€2,831, the lowest in the series; recovery starts the following year.
24-08
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
01-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts

Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lasne · 1 establishment unit since 2022
seat establishment The establishment unit on the map
Ground area
3,253 m²
Building footprint
150 m²
Volume, LiDAR
1,070 m³
Parcel 25051D0033/00M000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
GERALDINE D.
Rue du Champ des Vignes 24, 1380 LasneWholesale trade
since 20222.327.584.680
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25051D0033/00M000 Wallonia 3,253 m² 1 · 150 m² 8.9 m · 2 fl.
Linked by address, not proof of ownership
Good to know
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

Of 6,146 companies in sector 46190 we hold annual accounts for 2,577. 437 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded14-01-2022
Fiscal year end31-12
Activities, NACEBEL 2025
46190Agents in non-specialised wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID 0208:0780485259
Also 9925:BE0780485259
Registered 06-11-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.