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Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Gerd Speed is 0.4% (very low). The 2024 annual accounts show equity of €219k and a net result of €67k. Equity is growing by ~44.3% per year across the filed fiscal years. Its solvency ranks better than 71% of 12464 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 3 annual accounts.
Signals
2 signals · with evidenceConsistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Growing equity
Equity grew over 2022-2024. Profits are largely retained rather than distributed.
View the equity trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 10 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 10-06-2025, 51 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 10-06-2025 | 51 d early | 2025-00133331 |
| 31-12-2023 | 31-07-2024 | 01-07-2024 | 30 d early | 2024-00206380 |
| 31-12-2022 | 31-07-2023 | 14-07-2023 | 17 d early | 2023-00236359 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2021, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.4%
Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector
−Young company
+Annual accounts: healthy financial profile
−
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€67k-0.7%
Working capital€192k+53.6%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 10-06-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~44.3%/year over 3 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 70, Head offices & management consulting · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 74.3% | 60.6% | |
| Net result | €67k | €31k | |
| Equity | €219k | €63k | |
| Gross operating margin | €101k | €52k | |
| Total assets | €295k | €124k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P71
Improving position over 2022-2024
· n=6846-12464
P76
Stable position over 2022-2024
· n=6845-12466
P86
Improving position over 2022-2024
· n=6854-12472
P76
Stable position over 2022-2024
· n=6833-12452
Describes the position versus peers, not a forecast.
€100k
+1.7%
22-24
€67k
-0.7%
22-24
€79k
-0.6%
22-24
€295k
+20.1%
22-24
€219k
+44.1%
22-24
€192k
+53.6%
22-24
€20k
+12.0%
22-24
€76k
-18.8%
22-24
€66k
-8.2%
22-24
€10k
-54.1%
22-24
3.90
+42.7%
22-24
3.90
+42.7%
22-24
74.3%
+20.0%
22-24
0.35
-43.7%
22-24
30.6%
-31.1%
22-24
22.7%
-17.4%
22-24
112.92
+7.6%
22-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €100k |
| Net profit | €67k |
| Cash flow | €79k |
| Staff costs | - |
| Income taxes | €20k |
| Dividends | - |
| Total assets | €295k |
| Equity | €219k |
| Debt | €76k |
| of which ≤ 1y | €66k |
| of which > 1y | €10k |
| Working capital | €192k |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 3.90 |
| Quick ratio | 3.90 |
| Working capital ratio | 65.0% |
| Solvency | 74.3% |
| Debt / equity | 0.35 |
| Long-term debt ratio | 0.05 |
| Interest coverage | 112.92 |
| Gross margin | - |
| Net margin | - |
| ROA | 22.7% |
| ROE | 30.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
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 | €295k |
| Fixed assets | 21/28 | €37k |
| Tangible fixed assets | 22/27 | €37k |
| Current assets | 29/58 | €258k |
| Amounts receivable within one year | 40/41 | €170 |
| Cash & bank | 54/58 | €256k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €295k |
| Equity | 10/15 | €219k |
| Contributions / capital | 10/11 | €5k |
| Reserves | 13 | €214k |
| Amounts payable | 17/49 | €76k |
| Amounts payable after one year | 17 | €10k |
| Amounts payable within one year | 42/48 | €66k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €101k |
| Operating result | 9901 | €88k |
| Financial income | 75 | €42 |
| Financial charges | 65 | €882 |
| Result before taxes | 9903 | €87k |
| Income taxes | 67/77 | €20k |
| Net result for the period | 9904 | €67k |
| Result to be appropriated | 9905 | €67k |
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2024 · computed93
/ 100
Excellent
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.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Structure & network
Connections & network
1 connected companyGroup structure
Subsidiary · 3 subsidiaries · 5 locations
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationGerd Speed
since 20212.320.254.351
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area531 m²
Buildings1
Building footprint105 m²
Volume (LiDAR)521 m³
Tallest building9.0 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11472C0179/00S002 | Flanders | 531 m² | 1 · 105 m² | 9.0 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts Address history · 2
05-11-2021
Seat change: to: 1830 Machelen, Culliganlaan 5, from: 1932 Sint-Stevens-Woluwe, Woluwedal 18, effective_date: 2022-01-01
05-11-2021
Seat change: to: 1830 Machelen, Culliganlaan 5, from: 1932 Sint-Stevens-Woluwe, Woluwedal 18, effective_date: 2022-01-01
All acts · 2
updated 4 years ago
2021
05-11-2021 General meeting · Auditor appointment · Permanent representative · Officer appointment
- Publication: 05/11/2021 · PricewaterhouseCoopers Enterprise Advisory
- Filing: 26/10/2021 · PricewaterhouseCoopers Enterprise Advisory
- General meeting: 30/09/2021 · PricewaterhouseCoopers Enterprise Advisory
- Auditor appointment: role: commissaris, term: drie jaar, start_date: 30/09/2021, end_condition: na de gewone algemene vergadering van aandeelhouders die de jaarrekening per 30 juni 2024 dient goed te keuren · Compass Audit
- Permanent representative: role: vertegenwoordiger · Simon Briers
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2021-10-01 · Gerd Speed BV
- Permanent representative: role: vaste vertegenwoordiger · Gerd Speed
- Officer resignation: role: bestuurder, end_date: 2021-09-30 · Gaël Hachez
- Filing representative: mode: elk afzonderlijk optredend, met mogelijkheid tot indeplaatsstelling, scope: publicatie van voormelde besluiten in de bijlage bij het Belgisch Staatsblad en in het bijzonder voor het ondertekenen van de nodige publicatieformulieren en de wijziging van de gegevens in de Kruispuntbank voor ondernemingen · Patrick Van Haudt BV
- Board meeting: 08/09/2021 · PricewaterhouseCoopers Enterprise Advisory
- Seat change: to: 1830 Machelen, Culliganlaan 5, from: 1932 Sint-Stevens-Woluwe, Woluwedal 18, effective_date: 2022-01-01 · PricewaterhouseCoopers Enterprise Advisory
- Filing representative: mode: elk afzonderlijk optredend, met mogelijkheid tot indeplaatsstelling, scope: publicatie van de zetelverplaatsing in de bijlage bij het Belgisch Staatsblad en in het bijzonder voor het ondertekenen van de nodige publicatieformulieren en de wijziging van de gegevens in de Kruispuntbank voor ondernemingen · Patrick Van Haudt BV
- Power of attorney: mode: samen optredend met een bestuurder van de Vennootschap, scope: de Vennootschap te vertegenwoordigen in alle aangelegenheden die betrekking hebben op "Human Resources" met inbegrip van het aanwerven en ontslaan van alle werknemers ... en de afhandeling van de ermee gepaard gaande administratie, het bepalen van hun functies, salaris en arbeidsvoorwaarden en het vertegenwoordigen van de Vennootschap bij werkgevers- en werknemersorganisaties, start_date: 01/09/2021 · Liesbet Vanderstappen BV
- Filing representative: mode: elk afzonderlijk optredend, met mogelijkheid tot indeplaatsstelling, scope: publicatie van deze beslissingen in de bijlage bij het Belgisch Staatsblad en in het bijzonder voor het ondertekenen van de nodige publicatieformulieren en de wijziging var de gegevens ir de Kruispuntbank voor ondernemingen · Patrick Van Haudt BV
Summary:
General meeting · Auditor appointment · Permanent representative · Officer appointment
05-11-2021 General meeting · Auditor appointment · Permanent representative · Officer appointment
- Publication: 05/11/2021
- Filing: 26/10/2021
- General meeting: 30/09/2021
- Auditor appointment: role: Commissaire, term: trois ans, start_date: 30/09/2021, end_condition: à l'issue de l'assemblée générale des actionnaires appelée à statuer sur les comptes annuels de l'exercice social qui sera clôturé le 30 juin 2024 · Compass Audit
- Permanent representative: role: représentant ayant pouvoir de la représenter et étant chargé d'exercer le mandat en son nom et pour son compte · Simon Briers
- Officer appointment: role: administrateur, start_date: 2021-10-01 · Gerd Speed SRL
- Permanent representative: role: représentant permanent · Gerd Speed
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication des décisions écrites ... à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Patrick Van Haudt SRL
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication des décisions écrites ... à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Tineke Van Vlaenderen
- Board meeting: 08/09/2021
- Seat change: to: 1830 Machelen, Culliganlaan 5, from: 1932 Sint-Stevens-Woluwe, Woluwedal 18, effective_date: 2022-01-01
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication du changement de siège social à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Patrick Van Haudt SRL
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication du changement de siège social à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Tineke Van Vlaenderen
- Power of attorney: scope: représenter la Société, conjointement avec un (1) administrateur, pour tout acte concernant les "Human Resources", en ce compris le recrutement et le licenciement de salariés de la Société et la gestion administrative qui en découle, la détermination de leurs fonctions, rémunérations et conditions de travail et pour représenter la Société auprès des organisations patronales et organisations de salariés, pour autant que ceci relève de la gestion journalière de la Société, start_date: 01/09/2021, jointly_with: un (1) administrateur · Liesbet Vanderstappen SRL
- Permanent representative: role: représentant permanent · Liesbet Vanderstappen
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication de ces pouvoirs spéciaux à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Patrick Van Haudt SRL
- Filing representative: scope: remplir les formalités nécessaires en vue de la publication de ces pouvoirs spéciaux à l'Annexe au Moniteur Belge, et plus spécifiquement pour la signature des formulaires de publication requis, et pour la modification des données reprises dans la Banque Carrefour des Entreprises · Tineke Van Vlaenderen
Summary:
General meeting · Auditor appointment · Permanent representative · Officer appointment
Analysis
Snowflake analysis
financial profile on 5 axes88
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
93
Profitability
100
Solvency
100
Growth
52
Stability
94
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verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads BankActivities
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Primary activity highlighted.
Names & trade names
| Legal nameNL | Gerd Speed |
Registered office
Gebroeders van Raemdoncklaan 25
2650 Edegem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.