GERARD COOLING
ActiveGERARD COOLING has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €83k and a net result of €54k. Its solvency ranks better than 45% of 9380 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+20
Growth78
Stability82
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 1.84 against 1.53 in 2024), but 51.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
48.7%
Return on assets
31.7%
Age of the figures
8 mo
neutral · Filed after the deadline
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. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
57 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€83k▲ 185%
2024 · €29k
2024: €29k
2024 → 2025
Total assets
€171k▲ 118%
2024 · €79k
2024: €79k
2024 → 2025
Net result
€54k▲ 106%
2024 · €26k
2024: €26k
2024 → 2025
Working capital
€74k▲ 181%
2024 · €26k
2024: €26k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€29k-€83k▲ 185%
Operating result€42k-€83k▲ 99.5%
Net result€26k-€54k▲ 106%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 99% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€9k▲ 224%
Current assets
€162k▲ 114%
Equity and liabilities €171k
Equity
€83k▲ 185%
Debt
€88k▲ 77.6%
The debt ratio falls from 62.8% to 51.3%: equity grows faster than debt.
Key figures and ratios
EBITDA
€84k▲
2024 · €42k
Cash flow
€55k▲
2024 · €26k
Solvency
48.7%▲
2024 · 37.2%
Current ratio
1.84▲
2024 · 1.53
Quick ratio
1.84▲
2024 · 1.53
Debt / equity
1.05▼
2024 · 1.69
ROE
64.9%▼
2024 · 89.7%
ROA
31.7%▼
2024 · 33.4%
Interest coverage
1865.95▲
2024 · 71.64
Debt
€88k▲
2024 · €49k
Debt ≤ 1 year
€88k▲
2024 · €49k
Income taxes
€25k▲
2024 · €11k
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€79k€171k▲
Fixed assets21/28€3k€9k▲
Tangible fixed assets22/27€3k€8k▲
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24-€1k
Financial fixed assets28-€2k
Current assets29/58€76k€162k▲
Amounts receivable within one year40/41€53k€90k▲
Trade receivables40€51k€81k▲
Other amounts receivable41€1k€9k▲
Cash at bank and in hand54/58€23k€71k▲
Deferred charges and accrued income490/1-€163
Equity and liabilities
Total equity and liabilities10/49€79k€171k▲
Equity10/15€29k€83k▲
Contributions10/11€3k€3k=
Reserves13€26k€80k▲
Distributable reserves133€26k€80k▲
Amounts payable17/49€49k€88k▲
Amounts payable within one year42/48€49k€88k▲
Trade debts44€12k€50k▲
Suppliers440/4€12k€50k▲
Taxes, remuneration and social security45€18k€38k▲
Taxes450/3€18k€38k▲
Other amounts payable47/48€19k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44€1k▲
Gross operating margin9900€42k€84k▲
Operating profit (loss)9901€42k€83k▲
Financial income75/76B€1€2k▲
Recurring financial income75€1€1▼
Non-recurring financial income76B-€2k
Financial charges65/66B€4k€6k▲
Recurring financial charges65€580€45▼
Non-recurring financial charges66B€4k€6k▲
Profit (loss) for the period before taxes9903€37k€79k▲
Income taxes67/77€11k€25k▲
Profit (loss) for the period9904€26k€54k▲
Profit (loss) for the period to be appropriated9905€26k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€54k▲
Transfer to equity691/2€26k€54k▲
To other reserves6921€26k€54k▲
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
NBB filing
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, Jemeppe-sur-Sambre · 1 establishment unit since 2024
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.
Rue Bodrémont 17/15190 Jemeppe-sur-SambreGround area
2,026 m²
Building footprint
321 m²
Volume, LiDAR
2,193 m³
2 parcels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GERARD COOLING
since 20242.360.192.617
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92068E0853/00A000 | Wallonia | 1,256 m² | 1 · 235 m² | 11.6 m · 3 fl. |
| 92026D0161/00X000 | Wallonia | 770 m² | 1 · 86 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 11,505 companies in sector 71121 we hold annual accounts for 6,524. 5,158 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-04-2024
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
28250Manufacture of machinery and equipment not elsewhere classified
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.