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GERARD CONSTRUCTION

Active
Private limited companyfounded 198541 yrs activeRue des Corettes 40, 6880 Bertrix, BelgiumKBO/BCE: BE 0426.954.111
Summary

GERARD CONSTRUCTION has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.1m and a net result of €596,327. Equity is growing by ~6.3% per year across the filed fiscal years. The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
GERARD CONSTRUCTIONActiveChecked score 88/100
Risk analysis ReportCompare

Overview

Activity
General construction of residential buildings
NACE 41001General construction of buildings NACE 41201NACE 45211
#1 company by total assets in Bertrix, Construction sector1 site
Size
€19.9mturnover 2025
Staff
36.1 FTE
Equity
€2.1m
Profit
€596,327
Financial health
88 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Parent
GERARD & CO · 100%
Holdings
2
Accounts 46 d early0 of 11 deeds read
Why 88- Sector Construction of residential and non-residential buildings (NACE 41)- Equity €2.1m (23.2% of total assets)+ Founded in 1985+ Profit of €596,327 (FY 2025)Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Better than 60% of its sector peers (NACE 41, small)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Average
Solvency 48+1
equity 23.2% of total assets
Liquidity 49+10
short-term debt 43.5% · cash 15.7%
Profitability 74+9
return on assets 6.7%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (904 companies)
Last 24 months 11-2024: 0.9% 12-2024: 0.9%● 0.0% vs 11-2024 01-2025: 0.9%● 0.0% vs 12-2024 02-2025: 0.9%▼ -3.3% vs 01-2025 03-2025: 0.9%● 0.0% vs 02-2025 04-2025: 0.9%▼ -1.3% vs 03-2025 05-2025: 0.9%▲ +1.4% vs 04-2025 06-2025: 0.9%▲ +0.4% vs 05-2025 07-2025: 1.1%▲ +23.2% vs 06-2025 08-2025: 1.7%▲ +51.4% vs 07-2025highest value 09-2025: 0.7%▼ -56.9% vs 08-2025 10-2025: 0.7%● 0.0% vs 09-2025 11-2025: 0.7%● 0.0% vs 10-2025 12-2025: 0.7%● 0.0% vs 11-2025 01-2026: 0.7%● 0.0% vs 12-2025 02-2026: 0.7%▼ -3.5% vs 01-2026 03-2026: 0.7%● 0.0% vs 02-2026 04-2026: 0.7%▼ -1.3% vs 03-2026 05-2026: 0.7%▲ +1.3% vs 04-2026 06-2026: 0.7%▲ +2.3% vs 05-2026 07-2026: 0.3%▼ -62.4% vs 06-2026lowest value 08-2026: 0.3%● 0.0% vs 07-2026lowest value 09-2026: 0.3%● 0.0% vs 08-2026lowest value 10-2026: 0.3%● 0.0% vs 09-2026lowest value
  • Sector Construction of residential and non-residential buildings (NACE 41) raises the probability
  • Equity €2.1m (23.2% of total assets) raises the probability
  • Founded in 1985 lowers the probability for this profile
  • Profit of €596,327 (FY 2025) lowers the probability
Credit up to €180,000 at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.3 in 2024; short-term debt: 43.5% and cash: 15.7% of total assets), and 76.8% 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 41, small). Better than this share of them on solvency 37%, liquidity 60%, profitability 72%, growth against the median 68%. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Sector Construction of residential and non-residential buildings (NACE 41)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Equity €2.1m (23.2% of total assets)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Founded in 1985
In the bankruptcy model this factor lowers the probability for this profile.
KBO
lowers risk · Profit of €596,327 (FY 2025)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
46 d early
2024
13 d late
2023
19 d early
2022
25 d early
2021
19 d late
2020
23 d early
2019
28 d 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 8 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 13 July (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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 · unclassified…
  2. Highest result since 2018net €596,327 ▲42.5%
  3. Equity above €2mEq €2.1m ▲4.6%

Key points

  • Positive: Company by total assets in Bertrix, Construction sectorin the Checked rankings #1 View
  • Positive: 5 years of growth in a rowturnover 2025: €19.9m 5 years View
  • Controlled by GERARD & COitself parent of 3 companies 100% View
  • Positive: Result rose in 2025from €418,373 to €596,327 ▲ 42.5% View

By topic

Financials

Fiscal year
2025
Turnover
€19.9m
Profit
€596,327
Solvency
23.2%
Turnover▲ 24.3%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 15-06-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Equity above €2m
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
General construction of residential buildingsNACE 41001
Founded
28-02-1985
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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