GERARD Affrêtement

Active

Public limited companyfounded 1974active for 52 yearsRue Martinpa 11, 4557 Tinlot, Belgium11 active companies are registered at this addressKBO/BCE: BE 0413.989.070

Summary

The computed 12-month bankruptcy probability of GERARD Affrêtement is 2.1% (moderate). The 2025 annual accounts show equity of €1.9m and a net result of €12,932, of which €21,250 non-recurring income. Equity is growing by about 7.9% per year across the filed financial years. Its solvency ranks better than 25% of 1,071 sector peers (NACE 49, financial year 2025). The company has been active since 1974 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

GERARD AffrêtementActiveChecked score 52/100

Risk analysis Report Compare

Activity

Freight transport by road

NACE 49410

3rd largest employer in Tinlot1 site

Size

€14.8mturnover 2025

Staff: 44.5 FTE
Equity: €1.9m
Profit: €12,932

Financial health

52 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.1%

Structure

Parent: S.C.T.R. · 99.44%

2025 accounts filed 31 days late6 deeds in the Belgian Official Gazette

Why 52raises riskLiquidity: current ratio 1.12, cash €186,563Sector: Land transport and transport via pipelines (NACE 49)Equity €1.9m (19.2% of total assets)Last filed accounts filed 31 days late; 2 of the last 3 lateShow the evidence

Checked score

Score 2025

52 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 23% of its sector peers (NACE 49, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 44+1

equity 19.2% of total assets

Liquidity 21=

short-term debt 60.8% · cash 1.8%

Profitability 68=

return on assets 0.1%

Bankruptcy probability, 12 months

2.1% Moderate

0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (1,181 companies, NACE 49, small)

Last 24 months 11-2024: 1.2% 12-2024: 1.2%● unchanged vs 11-2024 01-2025: 1.2%● unchanged vs 12-2024 02-2025: 1.1%▼ -0.1 percentage points vs 01-2025 03-2025: 1.1%● unchanged vs 02-2025 04-2025: 1.1%● unchanged vs 03-2025lowest value 05-2025: 1.1%● unchanged vs 04-2025 06-2025: 1.1%● unchanged vs 05-2025 07-2025: 1.3%▲ +0.2 percentage points vs 06-2025 08-2025: 1.9%▲ +0.6 percentage points vs 07-2025 09-2025: 2.3%▲ +0.4 percentage points vs 08-2025 10-2025: 3.2%▲ +0.9 percentage points vs 09-2025highest value 11-2025: 2.1%▼ -1.1 percentage points vs 10-2025 12-2025: 2.1%● unchanged vs 11-2025 01-2026: 2.1%● unchanged vs 12-2025 02-2026: 2.1%● unchanged vs 01-2026 03-2026: 2.0%▼ -0.1 percentage points vs 02-2026 04-2026: 2.0%● unchanged vs 03-2026 05-2026: 2.0%● unchanged vs 04-2026 06-2026: 2.1%▲ +0.1 percentage points vs 05-2026 07-2026: 2.1%● unchanged vs 06-2026 08-2026: 2.7%▲ +0.6 percentage points vs 07-2026 09-2026: 2.1%▼ -0.6 percentage points vs 08-2026 10-2026: 2.1%● unchanged vs 09-2026

Credit of up to €100,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.12, compared with 1.09 in 2024, below the usual 1.5; short-term debt: 60.8% and cash: 1.8% of total assets), and 80.8% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 49, small): better than 23% on solvency, 12% on liquidity, 30% on profitability and 26% on growth.

The bankruptcy probability was computed on 26-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

raises risk

Liquidity: current ratio 1.12, cash €186,563

NBB · annual accounts

Sector: Land transport and transport via pipelines (NACE 49)

KBO

Equity €1.9m (19.2% of total assets)

NBB · annual accounts

Last filed accounts filed 31 days late; 2 of the last 3 late

NBB · filings

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 1071 sector peers (2025).

NBB · sector comparison

Position among 1071 sector peers

Solvency

better than 25%

← weakest strongest →

2025 accounts filed 31 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

31 days late

2024

75 days late

2023

29 days late

2022

30 days late

2021

12 days early

2020

12 days early

2019

66 days late

← 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 30 days after the deadline; the sector median (NACE 49) for financial year 2024 is on the deadline day, and 49% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 30 August (4 of the last 5 filed years within 42 days of that day).

Companies Code · seven months

Where today falls in the filing period

27-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-08-2026 Annual accounts filedfinancial year 2025 · full…
14-10-2025 Annual accounts filedfinancial year 2024 · full…
29-08-2024 Annual accounts filedfinancial year 2023 · full…

Key points

Caution: Result fell in 2025from €153,971 to €12,932 ▼ 91.6% View
Positive: 3rd largest employer in Tinlotin the Checked rankings No. 3 View
Positive: 8 profitable years in a rowprofit 2025: €12,932, mostly one-off 8 years View
Controlled by S.C.T.R.ultimately: HOLDING C.H.F. 99.44% View
Active since 1974founded 27-02-1974 52 years View

By topic

Financials

Financial year: 2025
Turnover: €14.8m
Profit: €12,932
Solvency: 19.2%

Turnover▼ 12.0%

Net result

20182025

Go to Financials

Board & ownership

Parent: S.C.T.R. · 99.44%

Go to Board & ownership

Network & group

Group: HOLDING C.H.F.

Go to Network & group

Timeline

Events: 51
Since: 1978
Next accounts: by 31-07-2027

30-08-2023Annual accounts filed
19-07-2022Annual accounts filed
31-12-2021Highest result from 2018 to 2025

Go to Timeline

Company details

Sites: 1

Legal form: Public limited company
Activity: Freight transport by roadNACE 49410
Founded: 27-02-1974
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about GERARD Affrêtement

What is the company number of GERARD Affrêtement?: 0413.989.070. In Belgium the VAT number is the company number with BE in front: BE 0413.989.070.
Where is GERARD Affrêtement based?: The registered office is at Rue Martinpa 11, 4557 Tinlot.Company details
What does GERARD Affrêtement do?: According to the KBO register, the main activity is freight transport by road (NACE 49410).
What is the legal form of GERARD Affrêtement?: Public limited company (NV).
When was GERARD Affrêtement founded?: On 27-02-1974.
Is GERARD Affrêtement still active?: Yes, GERARD Affrêtement is an active enterprise in the KBO register.
How many employees does GERARD Affrêtement have?: On average 44.5 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of GERARD Affrêtement?: €14.8m in financial year 2025, according to the filed annual accounts.
Is GERARD Affrêtement profitable?: In financial year 2025, GERARD Affrêtement made a profit of €12,932.
Where can I find the annual accounts of GERARD Affrêtement?: GERARD Affrêtement filed 49 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GERARD Affrêtement due?: By 31-07-2027, for financial year 2026.Timeline