Active BE 0424.997.976Private limited company

GERARD - REGIE

Rue Branche Planchard 69 ·4420 Saint-Nicolas, Belgium· 42 yrs active

Sector: Algemene bouw van residentiële gebouwen (41001)

Conclusion Checked

The computed 12-month bankruptcy probability of GERARD - REGIE is 0.7% (low). The 2024 annual accounts show equity of €15k and a net result of €9k. Equity is shrinking by ~33.2% per year across the filed fiscal years. Its solvency ranks better than 16% of 3827 sector peers (fiscal year 2024). The company has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€15k
Net result	€9k
Staff (FTE)	3.3
Better than sector	16%

Snowflake analysis 5 of 5 axes measured · computed by Checked

61 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 56

Profitability 100

Solvency 16

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.7% Low

0%0,5%1,5%4%10%≥25%

Long track record −Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 1983, 42 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

56 / 100 Fair

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 07-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~33.2%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 41, Construction of buildings · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	7.6%	39.4%	better than 16% of 3827 sector peers
Net result	€9k	€9k	better than 50% of 3824 sector peers
Equity	€15k	€29k	better than 33% of 3832 sector peers
Gross operating margin	€192k	€26k	better than 95% of 3822 sector peers
Staff costs	€170k	€16k	higher than 94% of 1125 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€21k

- 18-24

Net profit

€9k

- 18-24

Cash flow

€18k

- 18-24

Total assets

€195k

+31.5% 18-24

Equity

€15k

+167.8% 18-24

Working capital

€-451

+96.9% 18-24

Employees (FTE)

3

-25.0% 18-24

Staff costs

€170k

-27.3% 18-24

Income taxes

€0

- 18-24

Debt

€180k

+26.2% 18-24

Debt ≤ 1y

€180k

+29.7% 18-24

Debt > 1y

€4k

-79.0% 18-24

Current ratio

1.00

+11.2% 18-24

Quick ratio

1.00

+11.2% 18-24

Solvency

7.6%

+103.7% 18-24

Debt / equity

12.21

-52.9% 18-24

ROE

62.7%

- 18-24

ROA

4.7%

- 18-24

Interest coverage

6.33

- 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€21k
Net profit	€9k
Cash flow	€18k
Staff costs	€170k
Income taxes	€0
Dividends	-
Total assets	€195k
Equity	€15k
Debt	€180k
of which ≤ 1y	€180k
of which > 1y	-
Working capital	€-451
Employees (FTE)	3.3

Ratios (computed)

	2024
Current ratio	1.00
Quick ratio	1.00
Working capital ratio	-0.2%
Solvency	7.6%
Debt / equity	12.21
Long-term debt ratio	-
Interest coverage	6.33
Gross margin	-
Net margin	-
ROA	4.7%
ROE	62.7%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €15k · 7.8% Current assets €180k · 92.2%

Equity & liabilities

Equity €15k · 7.6% Debt €180k · 92.4%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€195k
Fixed assets	21/28	€15k
Tangible fixed assets	22/27	€15k
Current assets	29/58	€180k
Amounts receivable within one year	40/41	€178k
Cash & bank	54/58	€2k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€195k
Equity	10/15	€15k
Contributions / capital	10/11	€22k
Reserves	13	€17k
Accumulated profits (losses)	14	€-25k
Amounts payable	17/49	€180k
Amounts payable within one year	42/48	€180k
Trade debts payable within one year	44	€109k
Income statement
Gross operating margin	9900	€192k
Operating result	9901	€13k
Financial income	75	€1
Financial charges	65	€3k
Result before taxes	9903	€9k
Income taxes	67/77	€0
Net result for the period	9904	€9k
Result to be appropriated	9905	€9k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Algemene bouw van residentiële gebouwen(41001)
Legal form	Private limited company(610)
Incorporation	11-10-1983
Status	Active
Postal code	4420

Establishment units 1 location

GERARD REGIE SPRL

Rue Branche Planchard 69, 4420 Saint-NicolasVervaardiging van motoren met inwendige verbranding en onderdelen daarvan, voor divers gebruik :voor railvoertuigen, landbouwwerktuigen en machines voor de bouwnijverheid, scheepsmotoren en buitenboot

since 19942.023.446.823

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62073B0127/00N000	Wallonia	1,244 m²	1 · 371 m²	-

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

07-08-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

27-08-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

29-11-2023

State Gazette act Director changes

Caroline BURETTE

03-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

22-08-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

02-07-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

02-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

02-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

09-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

22-06-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

22-06-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

29-11-2023 Change in the board of directors Director changes·Caroline BURETTE

Notary: Caroline BURETTE · Seraing

Original publication ↗

Technical details

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      "kind": "substantive_delegation",
      "role": "directeur",
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        "rrn": null,
        "name": "G\u00C9RARD Guy Fran\u00E7ois Hubert",
        "address": "4190 Ferri\u00E8res, Voie des Brebis 5",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
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    },
    {
      "kind": "substantive_delegation",
      "role": "directeur",
      "person": {
        "rrn": null,
        "name": "NEUVILLE Marie Madeleine Th\u00E9r\u00E8se Yvonne Ghislaine",
        "address": "4190 Ferri\u00E8res, Voie des Brebis 5",
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    }
  ],
  "notary": {
    "name": "Caroline BURETTE",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Seraing",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2023-11-29",
    "filing_date": "2023-11-27",
    "act_kind_objet": "Objet de l\u0027acte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2023-11-20",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0424.997.976",
    "name_full": "GERARD - REGIE",
    "legal_form": "SRL"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Caroline BURETTE",
    "org_rep_person_name": null,
    "person_role_at_subject": "notaire"
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}

Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Algemene bouw van residentiële gebouwen41001Algemene bouw van residentiële gebouwen41201Overige werkzaamheden in verband met de afwerking van gebouwen43350Overige werkzaamheden in verband met de afwerking van gebouwen43390Bouwen van individuele huizen45211Overige werkzaamheden in verband met de afwerking van gebouwen45450

Primary activity highlighted.

Names & trade names

Legal nameFR

GERARD - REGIE

Registered office

Rue Branche Planchard 69 bus .002

4420 Saint-Nicolas, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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