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GERARD VENTURES

Active
Private limited companyfounded 20206 yrs activeBollebergen 2/B, 9052 Gent, BelgiumKBO/BCE: BE 0752.710.694
Summary

GERARD VENTURES has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €90,404 and a net result of -€19,833. Equity is growing by ~18.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 19371 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).

Risk analysisWatch ReportCompare
GERARD VENTURESActiveChecked score 63/100
Risk analysis ReportCompare

Overview

Activity
Real estate agency activities
NACE 68310NACE 68311
1 site
Size
€713,881total assets 2024
Equity
€90,404
Loss
-€19,833
Turnover not published (abridged schema)
Financial health
63 Healthy Checked score 2024
Bankruptcy chance 12 m
1.4%
Structure
Holdings
1
Accounts 64 d overdue0 of 4 deeds read
Why 63- Figures for FY 2024 (filed 24-09-2025)- 1 financial year not filed after the legal deadline; latest accounts 55 days late; 3 of the last 3 late+ Sector Real estate activities (NACE 68)+ Size: total assets €713,881Show the evidence

Checked score

Score 2024
63 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 30% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2023
Weak
Solvency 38-25
equity 12.7% of total assets
Liquidity 46+14
short-term debt 55.1% · cash 19.5%
Profitability 26-53
return on assets -2.8%
Bankruptcy probability, 12 months
1.4% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,362 companies)
Last 24 months 11-2024: 1.0% 12-2024: 1.0%● 0.0% vs 11-2024 01-2025: 1.0%▼ -2.3% vs 12-2024 02-2025: 1.0%▲ +3.4% vs 01-2025 03-2025: 1.0%▼ -0.6% vs 02-2025 04-2025: 1.1%▲ +1.8% vs 03-2025 05-2025: 1.1%▲ +2.5% vs 04-2025 06-2025: 1.1%▲ +3.4% vs 05-2025 07-2025: 1.1%▲ +1.5% vs 06-2025 08-2025: 1.7%▲ +46.4% vs 07-2025 09-2025: 2.0%▲ +22.6% vs 08-2025highest value 10-2025: 0.3%▼ -86.2% vs 09-2025lowest value 11-2025: 0.3%▲ +1.8% vs 10-2025 12-2025: 0.3%▲ +3.1% vs 11-2025 01-2026: 0.3%▼ -1.7% vs 12-2025 02-2026: 0.3%▲ +2.4% vs 01-2026 03-2026: 0.3%▲ +3.0% vs 02-2026 04-2026: 0.3%▲ +1.3% vs 03-2026 05-2026: 0.3%▲ +2.9% vs 04-2026 06-2026: 0.4%▲ +10.6% vs 05-2026 07-2026: 0.4%▲ +7.6% vs 06-2026 08-2026: 0.6%▲ +64.3% vs 07-2026 09-2026: 0.8%▲ +29.2% vs 08-2026 10-2026: 1.4%▲ +70.6% vs 09-2026
  • Figures for FY 2024 (filed 24-09-2025) raises the probability
  • Sector Real estate activities (NACE 68) lowers the probability
  • 1 financial year not filed after the legal deadline; latest accounts 55 days late; 3 of the last 3 late raises the probability
  • Size: total assets €713,881 lowers the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity short (current ratio 0.62 against 1.12 in 2023; short-term debt: 55.1% and cash: 19.5% of total assets), and 87.3% 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 68, micro). Better than this share of them on solvency 33%, liquidity 41%, profitability 24%, growth against the median 22%. 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 · Figures for FY 2024 (filed 24-09-2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Sector Real estate activities (NACE 68)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · 1 financial year not filed after the legal deadline; latest accounts 55 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Size: total assets €713,881
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-09-2025, 55 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 · 4 filings
Deviation from the deadline
2025
not confirmed
2024
55 d late
2023
72 d late
2022
70 d late
2021
31 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 4 accounts on average 57 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
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 2024 · micro…
  2. Weakest financial yearnet -€19,833
  3. Annual accounts filedfiscal year 2023 · micro…

Key points

  • Caution: Accounts not fileddeadline was 31-07-2026 64 d late View
  • Caution: Among the weakest 19% on net resultsector median €4,441 · 19,357 companies -€19,833 View
  • Total assets 20244 fiscal years filed €713,881 View

By topic

Financials

Fiscal year
2024
Total assets
€713,881
Loss
-€19,833
Solvency
12.7%
Total assets▲ 146%
Net result
20212024
Go to Financials

Timeline

Events
7
Since
2022
  1. 24-09-2025Annual accounts filed
  2. 31-12-2024Weakest financial year
  3. 11-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Real estate agency activitiesNACE 68310
Founded
18-08-2020
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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