GERARD.LAW
ActiveGERARD.LAW has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €968k and a net result of €126k. Equity is growing by ~11.8% per year across the filed fiscal years. Its solvency ranks better than 44% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+16
Solvency76▼-11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 3.44 in 2024; short-term debt: 25.7% and cash: 36.5% of total assets), and 49.2% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
50.8%
Return on assets
6.6%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 16-04-2026, 106 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
106 d early
2024
35 d early
2023
6 d early
2022
31 d late
2021
60 d early
2020
33 d early
2019
26 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€968k▼ 18.8%
2024 · €1.19M
2018: €545k
2019: €623k
2020: €698k
2021: €915k
2022: €1.03M
2023: €1.17M
2024: €1.19M
2018 → 2025
Total assets
€1.90M▼ 0.6%
2024 · €1.92M
2018: €843k
2019: €897k
2020: €943k
2021: €1.10M
2022: €1.56M
2023: €1.80M
2024: €1.92M
2018 → 2025
Net result
€126k▲ 480%
2024 · €22k
2018: €179k
2019: €78k
2020: €75k
2021: €217k
2022: €119k
2023: €136k
2024: €22k
2018 → 2025
Working capital
€346k▼ 40.5%
2024 · €580k
2018: €97k
2019: €268k
2020: €202k
2021: €430k
2022: €687k
2023: €738k
2024: €580k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€915k-€1.03M▲ 13.0%€1.17M▲ 13.2%€1.19M▲ 1.9%€968k▼ 18.8%
Operating result€269k-€235k▼ 12.3%€258k▲ 9.4%€117k▼ 54.8%€282k▲ 142%
Net result€217k-€119k▼ 45.0%€136k▲ 14.7%€22k▼ 84.1%€126k▲ 480%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 142% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.90M
Fixed assets
€1.07M▼ 2.6%
Current assets
€835k▲ 2.1%
Equity and liabilities €1.90M
Equity
€968k▼ 18.8%
Debt
€936k▲ 29.4%
The debt ratio rises from 37.8% to 49.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€332k▲
2024 · €180k
Cash flow
€176k▲
2024 · €85k
Solvency
50.8%▼
2024 · 62.2%
Current ratio
1.71▼
2024 · 3.44
Quick ratio
1.71▼
2024 · 3.44
Debt / equity
0.97▲
2024 · 0.61
ROE
13.0%▲
2024 · 1.8%
ROA
6.6%▲
2024 · 1.1%
Interest coverage
2.77▲
2024 · 1.65
Debt
€936k▲
2024 · €723k
Debt ≤ 1 year
€490k▲
2024 · €237k
Debt > 1 year
€446k▼
2024 · €486k
Income taxes
€40k▲
2024 · €10k
Staff costs
€42k▼
2024 · €42k
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€1.92M€1.90M▼
Fixed assets21/28€1.10M€1.07M▼
Tangible fixed assets22/27€1.09M€1.07M▼
Land and buildings22€453k€438k▼
Plant, machinery and equipment23€182k€150k▼
Furniture and vehicles24€17k€4k▼
Assets under construction and advance payments27€441k€476k▲
Financial fixed assets28€4k€598▼
Current assets29/58€818k€835k▲
Amounts receivable after more than one year29€78k€78k=
Other amounts receivable291€78k€78k=
Amounts receivable within one year40/41€31k€24k▼
Trade receivables40€30k€23k▼
Other amounts receivable41€2k€671▼
Current investments50/53€12k€35k▲
Cash at bank and in hand54/58€693k€694k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.92M€1.90M▼
Equity10/15€1.19M€968k▼
Contributions10/11€14k€14k=
Profit (loss) carried forward14€1.18M€954k▼
Amounts payable17/49€723k€936k▲
Amounts payable after more than one year17€486k€446k▼
Financial debts170/4€486k€446k▼
Amounts payable within one year42/48€237k€490k▲
Current portion of amounts payable after more than one year42€39k€39k▲
Trade debts44€136k€2k▼
Suppliers440/4€136k€2k▼
Taxes, remuneration and social security45€51k€86k▲
Taxes450/3€44k€79k▲
Remuneration and social security454/9€7k€7k=
Other amounts payable47/48€12k€362k▲
Income statement
Code20242025
Remuneration, social security and pensions62€42k€42k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€63k€50k▼
Other operating charges640/8€24k€10k▼
Gross operating margin9900€246k€384k▲
Operating profit (loss)9901€117k€282k▲
Financial income75/76B€24k€4k▼
Recurring financial income75€24k€4k▼
Financial charges65/66B€109k€120k▲
Recurring financial charges65€109k€120k▲
Profit (loss) for the period before taxes9903€32k€166k▲
Income taxes67/77€10k€40k▲
Profit (loss) for the period9904€22k€126k▲
Profit (loss) for the period to be appropriated9905€22k€126k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.18M€1.30M▲
Profit (loss) brought forward from the previous period14P€1.16M€1.18M▲
Profit to be distributed694/7-€350k
Return on contributions (dividend)694-€350k
The notes to these accounts (12 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €22k ▼84.1%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €1MEq €1.03M ▲13%
5 profitable years in a row build equity to €1.03M.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €217k ▲190%
Net result €217k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 10.45
Current ratio from 3.16 to 10.45; short-term debt falls from €93k to €46k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
03-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 3 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Oudergem · 1 establishment unit since 2011
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.
Herrmann-Debrouxlaan 541160 OudergemGround area
8,344 m²
Building footprint
3,274 m²
Volume, LiDAR
73,239 m³
2 parcels, Brussels · tallest building 36.1 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Xavier Gerard Avocat
since 20112.249.144.839
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0035/00R005 | Brussels | 4,415 m² | 1 · 2,124 m² | 36.1 m · 7 fl. |
| 21332B0081/00H002 | Brussels | 3,929 m² | 1 · 1,150 m² | 30.4 m · 9 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
2549002ZSPJMHDXNL658
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IntoLaw
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Of 22,054 companies in sector 69101 we hold annual accounts for 9,053. 4,365 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-07-2011
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.