GERAUD ANDREUX
ActiveGERAUD ANDREUX has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €45k. Equity is shrinking by ~19.1% per year across the filed fiscal years. Its solvency ranks better than 19% of 16809 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency26▼-24
Growth58=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.14 in 2024), and 83.2% 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 62
Relative position
BE, all sectors
reference
Sector 62
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 2025Solvency, return and age of the figures
Solvency
16.8%
Return on assets
45%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 16809 sector peers (2025).
NBB · sector comparisonPosition among 16809 sector peers
Solvency
better than 19%
← weakest
strongest →
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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
32 d early
2023
33 d early
2022
31 d early
2021
30 d early
2020
16 d early
2019
63 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
09-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€45k▲ 41.8%
2024 · €32k
2018: €24k
2019: €41k
2020: €-17k
2021: €50k
2022: €22k
2023: €45k
2024: €32k
2018 → 2025
Working capital
€12k▲ 77.4%
2024 · €7k
2018: €58k
2019: €65k
2020: €49k
2021: €78k
2022: €50k
2023: €-10k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€70k▼ 10.3%€16k▼ 76.6%€22k▲ 30.4%€17k▼ 21.4%
Operating result€60k-€26k▼ 55.8%€58k▲ 122%€41k▼ 29.5%€53k▲ 29.9%
Net result€50k-€22k▼ 56.7%€45k▲ 106%€32k▼ 28.9%€45k▲ 41.8%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 30% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€5k▼ 68.0%
Current assets
€96k▲ 67.5%
Equity and liabilities €101k
Equity
€17k▼ 21.4%
Debt
€84k▲ 66.1%
The debt ratio rises from 70.1% to 83.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€66k▲
2024 · €54k
Cash flow
€58k▲
2024 · €44k
Solvency
16.8%▼
2024 · 29.9%
Current ratio
1.15▲
2024 · 1.14
Quick ratio
1.14▲
2024 · 1.12
Debt / equity
4.96▲
2024 · 2.35
ROE
268.5%▲
2024 · 148.8%
ROA
45.0%▲
2024 · 44.5%
Interest coverage
815.81▲
2024 · 592.50
Debt
€84k▲
2024 · €50k
Debt ≤ 1 year
€84k▲
2024 · €50k
Income taxes
€14k▲
2024 · €11k
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€72k€101k▲
Fixed assets21/28€15k€5k▼
Tangible fixed assets22/27€15k€5k▼
Furniture and vehicles24€15k€5k▼
Current assets29/58€57k€96k▲
Stocks and contracts in progress3€741€460▼
Stocks30/36€741€460▼
Amounts receivable within one year40/41€17k€18k▲
Trade receivables40€11k€11k▼
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€36k€74k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€72k€101k▲
Equity10/15€22k€17k▼
Contributions10/11€15k€15k=
Profit (loss) carried forward14€6k€1k▼
Amounts payable17/49€50k€84k▲
Amounts payable within one year42/48€50k€84k▲
Financial debts43-€53
Credit institutions430/8-€53
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€17k€29k▲
Taxes450/3€17k€29k▲
Other amounts payable47/48€30k€53k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▼
Other operating charges640/8€957€1k▲
Gross operating margin9900€54k€67k▲
Operating profit (loss)9901€41k€53k▲
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€90€81▼
Recurring financial charges65€90€81▼
Profit (loss) for the period before taxes9903€43k€59k▲
Income taxes67/77€11k€14k▲
Profit (loss) for the period9904€32k€45k▲
Profit (loss) for the period to be appropriated9905€32k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€51k▲
Profit (loss) brought forward from the previous period14P€1k€6k▲
Profit to be distributed694/7€27k€50k▲
Return on contributions (dividend)694€27k€50k▲
The notes to these accounts (5 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €50k
Net result €50k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-17k ▼141%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 91 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 59 days late
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Overijse · 1 establishment unit since 2009
Ground area
1,163 m²
Building footprint
221 m²
Volume, LiDAR
1,348 m³
Parcel 23062B0131/00K000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GERAUD ANDREUX
since 20092.179.355.814
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23062B0131/00K000 | Flanders | 1,163 m² | 1 · 221 m² | 10.2 m · 2 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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Of 29,866 companies in sector 62200 we hold annual accounts for 18,318. 12,204 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2009
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47990Retail trade
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.