GERARD Group

Active

Private limited companyfounded 2017active for 9 yearsRue du Bois d'Hymiée(GER) 50, 6280 Gerpinnes, BelgiumKBO/BCE: BE 0672.727.662

Summary

GERARD Group has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€20,867) and a net result of -€624. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 423 sector peers (NACE 23, financial year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

Risk analysisFollow Report Compare

GERARD GroupActiveChecked score 54/100

Risk analysis Report Compare

Activity

Manufacture of other non-metallic mineral products

NACE 23630

9th largest company by total assets in Gerpinnes, Manufacturing sector1 site

Size

€304,659turnover 2025

Equity: -€20,867
Loss: -€624

Financial health

54 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.8%

Structure

GERARD Jean-Louis AlainDirector

2025 accounts 1 day early1 of 2 deeds summarised

Why 54raises riskCapped at 59: negative equityNegative equity -€20,8671 of the last 3 latelowers riskSector: Manufacture of other non-metallic mineral products (NACE 23)Size: turnover €304,659, total assets €218,539Show the evidence

Checked score

Score 2025

54 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 22% of its sector peers (NACE 23, micro)

Negative equity caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 15-3

equity -9.5% of total assets

Liquidity 23=

short-term debt 64.8% · cash 5.6%

Profitability 66-34

return on assets -0.3%

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (857 companies, NACE 23, micro)

Last 24 months 11-2024: 3.8%highest value 12-2024: 3.6%▼ -0.2 percentage points vs 11-2024 01-2025: 2.2%▼ -1.4 percentage points vs 12-2024 02-2025: 2.2%● unchanged vs 01-2025 03-2025: 2.2%● unchanged vs 02-2025 04-2025: 2.2%● unchanged vs 03-2025 05-2025: 2.1%▼ -0.1 percentage points vs 04-2025 06-2025: 2.1%● unchanged vs 05-2025 07-2025: 2.1%● unchanged vs 06-2025 08-2025: 2.2%▲ +0.1 percentage points vs 07-2025 09-2025: 2.3%▲ +0.1 percentage points vs 08-2025 10-2025: 2.3%● unchanged vs 09-2025 11-2025: 0.9%▼ -1.4 percentage points vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.8%▼ -0.1 percentage points vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026lowest value 06-2026: 0.8%● unchanged vs 05-2026lowest value 07-2026: 0.8%● unchanged vs 06-2026 08-2026: 0.8%● unchanged vs 07-2026 09-2026: 0.8%● unchanged vs 08-2026 10-2026: 0.8%● unchanged vs 09-2026

No credit on open account

Liquidity tight (current ratio 1.15, compared with 1.0 in 2024, below the usual 1.5; short-term debt: 64.8% and cash: 5.6% of total assets), and equity is negative.

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 23, micro): better than 8% on solvency, 13% on liquidity, 37% on profitability and 32% on growth.

The bankruptcy probability was computed on 25-10-2026 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.

lowers riskraises riskneutral

Sector: Manufacture of other non-metallic mineral products (NACE 23)

KBO

Negative equity -€20,867

NBB · annual accounts

Size: turnover €304,659, total assets €218,539

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

1 of the last 3 late

NBB · filings

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year -€20,867

Latest accounts filed on time

The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.

NBB · 8 filings

Deviation from the deadline

2025

1 day early

2024

52 days early

2023

57 days late

2022

184 days late

2021

255 days late

2020

451 days late

2019

739 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 233 days after the deadline; the sector median (NACE 23) for financial year 2024 is 10 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 29 March (4 of the last 5 filed years within 127 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-06-2026 year end26-10-2026 today31-01-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

30-01-2026 Annual accounts filedfinancial year 2025 · micro…
10-12-2024 Annual accounts filedfinancial year 2024 · micro…
30-06-2024 Back to profitnet €158,820

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€20,867 View
Caution: From profit to loss in 2025after €158,820 in 2024 -€624 View
Caution: Among the weakest 9% on equitysector median €71,609 · 423 companies -€20,867 View

By topic

Financials

Financial year: 2025
Turnover: €304,659
Loss: -€624
Solvency: -9.5%

Turnover▼ 8.0%

Net result

20192025

Go to Financials

Board & ownership

Board: 1 member

GERARD Jean-Louis AlainDirector

Go to Board & ownership

Timeline

Events: 12
Since: 2019
Next accounts: by 31-01-2027

28-03-2024Annual accounts filed
11-10-2023Resignation: GERARD Jean-Louis Alain (manager)
03-08-2023Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Manufacture of other non-metallic mineral productsNACE 23630
Founded: 16-03-2017
Year ends: 30-06
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 25

Annual meeting: Third Friday of November at 18:30
Purpose: “La fabrication de stabilisé ou de béton maigre; Le stockage de matières premières; La…” (deed in French)

Go to Articles of association

Key facts about GERARD Group

What is the company number of GERARD Group?: 0672.727.662. In Belgium the VAT number is the company number with BE in front: BE 0672.727.662.
Where is GERARD Group based?: The registered office is at Rue du Bois d'Hymiée(GER) 50, 6280 Gerpinnes.Company details
What does GERARD Group do?: According to the KBO register, the main activity is manufacture of other non-metallic mineral products (NACE 23630).
What is the legal form of GERARD Group?: Private limited company (BV).
When was GERARD Group founded?: On 16-03-2017.
Is GERARD Group still active?: Yes, GERARD Group is an active enterprise in the KBO register.
How many employees does GERARD Group have?: On average 0.1 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
What is the turnover of GERARD Group?: €304,659 in financial year 2025, according to the filed annual accounts.
Is GERARD Group profitable?: In financial year 2025, GERARD Group made a loss of €624.
Where can I find the annual accounts of GERARD Group?: GERARD Group filed 8 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of GERARD Group due?: By 31-01-2027, for financial year 2026.Timeline