GERARDI TOM
ActiveGERARDI TOM has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €997k and a net result of €30k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 66% of 4599 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-5
Solvency92▲+3
Growth43▲+2
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity short (current ratio 0.32 against 0.39 in 2023; short-term debt: 7.7% and cash: 0.7% of total assets), and 32.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
67.1%
Return on assets
2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 26-06-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
35 d early
2023
36 d early
2022
34 d early
2021
11 d early
2020
24 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
€240k=
2023 · €240k
2018: €350k
2019: €270k
2020: €270k
2021: €263k
2022: €240k
2023: €240k
2018 → 2024
EBIT margin
26.5%▲ 0.6pp
2023 · 25.9%
2018: 0.9%
2019: 10.1%
2020: 7.8%
2021: 15.7%
2022: 17.8%
2023: 25.9%
2018 → 2024
Net result
€30k▲ 25.2%
2023 · €24k
2018: €-9k
2019: €5k
2020: €3k
2021: €20k
2022: €8k
2023: €24k
2018 → 2024
Working capital
€-78k▲ 6.5%
2023 · €-83k
2018: €127k
2019: €-148k
2020: €-195k
2021: €-171k
2022: €-61k
2023: €-83k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€270k-€263k▼ 2.8%€240k▼ 8.6%€240k=€240k=
Equity€1.20M-€1.21M▲ 1.6%€1.22M▲ 0.6%€967k▼ 20.9%€997k▲ 3.1%
Operating result€21k-€41k▲ 94.8%€43k▲ 3.7%€62k▲ 45.9%€64k▲ 2.3%
Net result€3k-€20k▲ 643%€8k▼ 60.6%€24k▲ 209%€30k▲ 25.2%
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 2% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.45M▼ 1.4%
Current assets
€36k▼ 30.5%
Equity and liabilities €1.48M
Equity
€997k▲ 3.1%
Debt
€488k▼ 11.9%
The debt ratio falls from 36.4% to 32.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▼
2023 · €88k
Cash flow
€51k▲
2023 · €50k
Solvency
67.1%▲
2023 · 63.6%
Current ratio
0.32▼
2023 · 0.39
Quick ratio
0.32▼
2023 · 0.39
Debt / equity
0.49▼
2023 · 0.57
ROE
3.0%▲
2023 · 2.5%
ROA
2.0%▲
2023 · 1.6%
Interest coverage
4.99▼
2023 · 5.87
Debt
€488k▼
2023 · €554k
Debt ≤ 1 year
€114k▼
2023 · €136k
Debt > 1 year
€374k▼
2023 · €418k
Income taxes
€17k▼
2023 · €19k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.52M€1.48M▼
Fixed assets21/28€1.47M€1.45M▼
Tangible fixed assets22/27€563k€542k▼
Land and buildings22€198k€188k▼
Furniture and vehicles24€9k€6k▼
Other tangible fixed assets26€356k€348k▼
Financial fixed assets28€906k€906k=
Affiliated companies280/1€906k€906k=
Participating interests280€906k€906k=
Current assets29/58€52k€36k▼
Amounts receivable within one year40/41€24k€18k▼
Trade receivables40€24k€14k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€25k€11k▼
Deferred charges and accrued income490/1€3k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.48M▼
Equity10/15€967k€997k▲
Contributions10/11€698k€698k=
Reserves13€268k€298k▲
Distributable reserves133€268k€298k▲
Amounts payable17/49€554k€488k▼
Amounts payable after more than one year17€418k€374k▼
Financial debts170/4€418k€374k▼
Credit institutions173€418k€374k▼
Amounts payable within one year42/48€136k€114k▼
Current portion of amounts payable after more than one year42€43k€37k▼
Trade debts44€21k€239▼
Suppliers440/4€21k€239▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€26k€48k▲
Taxes450/3€21k€45k▲
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€46k€28k▼
Income statement
Code20232024
Operating income70/76A€280k€274k▼
Turnover70€240k€240k=
Other operating income74€38k€34k▼
Non-recurring operating income76A€2k-
Operating charges60/66A€218k€211k▼
Goods for resale, raw materials and consumables60-€2k
Purchases600/8-€2k
Services and other goods61€186k€185k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€21k▼
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€117-
Operating profit (loss)9901€62k€64k▲
Financial income75/76B€12€402▲
Recurring financial income75€12€2▼
Income from current assets751€0-
Other financial income752/9€11€2▼
Non-recurring financial income76B-€400
Financial charges65/66B€19k€17k▼
Recurring financial charges65€15k€17k▲
Debt charges650€15k€17k▲
Other financial charges652/9€212€75▼
Non-recurring financial charges66B€4k-
Profit (loss) for the period before taxes9903€43k€47k▲
Income taxes67/77€19k€17k▼
Taxes670/3€19k€17k▼
Profit (loss) for the period9904€24k€30k▲
Profit (loss) for the period to be appropriated9905€24k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€30k▲
Transfer from equity791/2€280k-
From contributions791€207k-
From reserves792€73k-
Transfer to equity691/2€24k€30k▲
To other reserves6921€24k€30k▲
Profit to be distributed694/7€280k-
Return on contributions (dividend)694€280k-
The notes to these accounts (37 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €30k ▲25.2%
Operating result €64k, net result €30k, both a record.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 24 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 122 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 days late
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Malle · 1 establishment unit since 2012
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.
Smekenstraat 46a2390 MalleGround area
338 m²
Building footprint
69 m²
Volume, LiDAR
677 m³
Parcel 11032B0153/00T002, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GERARDI TOM
since 20122.207.078.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11032B0153/00T002 | Flanders | 338 m² | 1 · 69 m² | 15.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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EURACLE
BE 0453.640.096
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POLYFOSA
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Sankt Vith · Eq €991k
Of 5,691 companies in sector 70100 we hold annual accounts for 3,489. 1,912 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2011
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.