Equity
Gercoma paid out €130,000 in dividends. That is 123% of the 2025 profit.
Gercoma paid out €130,000 in dividends. That is 123% of the 2025 profit.
The 2023 accounts came latest: 30 days after the end of the period.
Higher net result than 86% of companies in head offices and management consultancy. Sector median €27,142 · 39,376 companies.
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 69% of them on solvency, 37% on liquidity, 84% on profitability and 28% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 26,972 companies had the same profile as Gercoma has now. Each dot stands for 68 companies, two years later.
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Gercoma itself is lower: 0.1% within 12 months. It rests on far more data about Gercoma than the profile alone.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Gercoma. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 3.86 (5.35 in 2024), above the usual 1.5. Short-term debt is 22.1% and cash 6.7% of total assets. 27.4% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 5 accounts on average 17 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| Gercoma Dilbeek | €304,031 | €165,782 | 72.6% | - |
| FELMOND FINANCE Overijse | €270,018 | €171,021 | 43.3% | - |
| Blackbelt Leuven | €281,305 | €148,415 | 60.0% | - |
| Saya Projects Boutersem | €264,622 | €182,928 | 38.8% | - |
| STRO Merchtem | €248,653 | €165,190 | 50.2% | - |
| SNJ Consult Herent | €319,313 | €142,342 | 3.4% | - |
| LENILISE Lennik | €377,974 | €158,757 | 17.1% | - |
These companies have the same main activity as Gercoma: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €249,000 and €378,000, founded between 2020 and 2021.
Gercoma files the micro format. That format states no turnover. The gross margin rose from €53,198 in 2021 to €165,782 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €280,000. Estimated: probably between €240,000 and €330,000.
Higher than 69% of 39,360 companies in 2025.
Higher than 71% of 38,044 companies in 2025.
Higher than 76% of 38,516 companies in 2025.
Net result: top quarter · Equity: middle half · Balance sheet total: middle half · Working capital: top quarter
Staff costs divided by the average number of full-time equivalents.
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
304,031 | 321,597 | 224,617 | 90,579 | 63,106 | |
21/28 |
44,851 | 64,845 | 86,420 | 3,358 | 5,419 | |
22/27 |
44,851 | 64,845 | 86,420 | 3,358 | 5,419 | |
24 |
44,851 | 64,845 | 86,420 | 3,358 | 5,419 | |
29/58 |
259,179 | 256,751 | 138,197 | 87,221 | 57,688 | |
29 |
- | 100,000 | - | - | - | |
291 |
- | 100,000 | - | - | - | |
40/41 |
236,505 | 141,059 | 40,511 | 9,843 | 3,929 | |
40 |
70,349 | 89,838 | 40,511 | 9,843 | 3,929 | |
41 |
166,155 | 51,220 | - | - | - | |
54/58 |
20,223 | 11,949 | 97,686 | 77,378 | 53,759 | |
490/1 |
2,452 | 3,744 | - | - | - | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
304,031 | 321,597 | 224,617 | 90,579 | 63,106 | |
10/15 |
220,805 | 245,113 | 133,897 | 44,666 | 21,998 | |
10/11 |
3,000 | 3,000 | 3,000 | 3,000 | 3,000 | |
14 |
217,805 | 242,113 | 130,897 | 41,666 | 18,998 | |
17/49 |
83,226 | 76,484 | 90,721 | 45,913 | 41,109 | |
17 |
16,151 | 28,499 | 40,360 | - | - | |
170/4 |
16,151 | 28,499 | 40,360 | - | - | |
42/48 |
67,075 | 47,985 | 50,361 | 45,913 | 41,109 | |
42 |
12,348 | 11,860 | 11,392 | - | - | |
44 |
18,522 | 3,944 | 81 | 2,252 | 7,514 | |
440/4 |
18,522 | 3,944 | 81 | 2,252 | 7,514 | |
45 |
36,205 | 32,181 | 20,277 | 12,179 | 9,696 | |
450/3 |
36,205 | 32,181 | 20,277 | 12,179 | 9,696 | |
47/48 |
- | - | 18,611 | 31,482 | 23,900 | |
| Income statement | ||||||
9900 |
165,782 | 171,064 | 139,299 | 31,140 | 53,198 | |
62 |
- | - | - | 68 | 24,910 | |
630 |
20,397 | 21,575 | 17,715 | 2,061 | 2,959 | |
640/8 |
53 | 53 | - | - | - | |
9901 |
145,332 | 149,437 | 121,584 | 29,011 | 25,330 | |
75/76B |
- | 1,875 | 4 | 0 | 0 | |
75 |
- | 1,875 | 4 | 0 | 0 | |
65/66B |
2,081 | 1,942 | 1,872 | 120 | - | |
65 |
2,081 | 1,942 | 1,872 | 120 | - | |
9903 |
143,251 | 149,370 | 119,716 | 28,891 | 25,330 | |
67/77 |
37,558 | 38,154 | 30,485 | 7,489 | 6,332 | |
9904 |
105,692 | 111,216 | 89,231 | 21,402 | 18,998 | |
9905 |
105,692 | 111,216 | 89,231 | 21,402 | 18,998 | |
| Appropriation of the result | ||||||
9906 |
347,805 | 242,113 | 130,897 | 41,666 | 18,998 | |
14P |
242,113 | 130,897 | 41,666 | 20,264 | - | |
694/7 |
130,000 | - | - | - | - | |
694 |
130,000 | - | - | - | - | |
| Social balance sheet | ||||||
9087 |
- | - | - | - | 0.8 | |
Hours worked1013 |
- | - | - | - | 595 | |
| Document | ||||||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-08-2026.
2025 annual accounts filed 24 days after the deadline. Filed on 24 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00418343.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-08-2026 | 2026-00418343 | |
| 31-12-2024 | micro format | 20-08-2025 | 2025-00387541 | |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00454584 | |
| 31-12-2022 | micro format | 15-05-2023 | 2023-00087182 | |
| 31-12-2021 | micro format | 12-05-2022 | 2022-20025498 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 165,729 | 171,011 | 139,299 | 31,072 | 28,288 | ||
| 126,090 | 132,791 | 106,946 | 23,463 | 21,957 | ||
| 403 | 0 | 100,777 | 0 | 8,378 | ||
| 8,274 | -85,737 | 20,308 | 23,620 | - | ||
| 192,105 | 208,767 | 87,836 | 41,308 | 16,579 | ||
| 72.6% | 76.2% | 59.6% | 49.3% | 34.9% | ||
| 3.86 | 5.35 | 2.74 | 1.90 | 1.40 | ||
| 0.38 | 0.31 | 0.68 | 1.03 | 1.87 | ||
| 47.9% | 45.4% | 66.6% | 47.9% | 86.4% | ||
| 34.8% | 34.6% | 39.7% | 23.6% | 30.1% | ||
| 79.63 | 88.06 | 74.41 | over 100 | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 31-12-2021 |
|---|---|
| 0.8 | |
| Joined | 1 |
| Left | 1 |
Source: social balance sheet in the 2021 annual accounts
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | €403 | - | €100,777 | - | €8,378 |
| €20,397 | €21,575 | €17,715 | €2,061 | €2,959 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is 3% lower than in 2024.
Debt's share of the balance-sheet total rises from 23.8% to 27.4%. Equity is lower and debt is higher.
Gercoma has no parent and no holdings in its annual accounts. CORNELIS Gerrit Gustaaf is the only director.
The board mandates are listed under Board mandates elsewhere. The network lets you explore the same ties.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
On 16 November 2020, Gercoma was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 CORNELIS Gerrit Gustaaf is director of the company, appointed by deed of 18-11-2020.2 Total assets went from €63,106 in 2021 to €304,031 in 2025.3
| Establishment | Since | Unit number |
|---|---|---|
| Sint-Martinusstraat 42 registered office 1700 Dilbeek | 16-11-2020 | 2.309.874.658 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 23074B0022/00A002 | 2,981 m² | 1 · 278 m² | 3.7 m |
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