GERDY & JOKE
ActiveGERDY & JOKE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €411k and a net result of €23k. Equity is growing by ~11% per year across the filed fiscal years. Its solvency ranks better than 90% of 18039 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▼-4
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 2.94 in 2024; short-term debt: 15% and cash: 39.3% of total assets), and 15.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
84.8%
Return on assets
4.8%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
24 d early
2023
33 d early
2022
24 d early
2021
23 d early
2020
19 d early
2019
9 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€411k▲ 5.5%
2024 · €390k
2018: €201k
2019: €225k
2020: €241k
2021: €264k
2022: €287k
2023: €354k
2024: €390k
2018 → 2025
Total assets
€485k▲ 6.3%
2024 · €457k
2018: €366k
2019: €385k
2020: €371k
2021: €358k
2022: €370k
2023: €417k
2024: €457k
2018 → 2025
Net result
€23k▼ 34.3%
2024 · €36k
2018: €27k
2019: €24k
2020: €16k
2021: €23k
2022: €23k
2023: €67k
2024: €36k
2018 → 2025
Working capital
€149k▲ 23.6%
2024 · €121k
2018: €-19k
2019: €-20k
2020: €-13k
2021: €-24k
2022: €5k
2023: €54k
2024: €121k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€287k▲ 8.7%€354k▲ 23.4%€390k▲ 10.1%€411k▲ 5.5%
Operating result€39k-€35k▼ 10.8%€101k▲ 186%€55k▼ 45.3%€36k▼ 35.3%
Net result€23k-€23k▲ 1.4%€67k▲ 192%€36k▼ 46.8%€23k▼ 34.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 35% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485k
Fixed assets
€263k▼ 3.8%
Current assets
€222k▲ 21.5%
Equity and liabilities €485k
Equity
€411k▲ 5.5%
Debt
€74k▲ 10.9%
The debt ratio rises from 14.6% to 15.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▼
2024 · €83k
Cash flow
€52k▼
2024 · €64k
Solvency
84.8%▼
2024 · 85.4%
Current ratio
3.05▲
2024 · 2.94
Quick ratio
2.89▲
2024 · 2.75
Debt / equity
0.18▲
2024 · 0.17
ROE
5.7%▼
2024 · 9.2%
ROA
4.8%▼
2024 · 7.8%
Interest coverage
14.61▼
2024 · 30.98
Debt
€74k▲
2024 · €67k
Debt ≤ 1 year
€73k▲
2024 · €62k
Income taxes
€8k▼
2024 · €17k
Staff costs
€36k▼
2024 · €50k
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€457k€485k▲
Fixed assets21/28€274k€263k▼
Tangible fixed assets22/27€274k€263k▼
Land and buildings22€249k€236k▼
Plant, machinery and equipment23€22k€25k▲
Furniture and vehicles24€3k€2k▼
Current assets29/58€183k€222k▲
Stocks and contracts in progress3€12k€12k▼
Stocks30/36€12k€12k▼
Amounts receivable within one year40/41€65k€19k▼
Trade receivables40€54k€11k▼
Other amounts receivable41€11k€8k▼
Cash at bank and in hand54/58€105k€191k▲
Deferred charges and accrued income490/1€868€265▼
Equity and liabilities
Total equity and liabilities10/49€457k€485k▲
Equity10/15€390k€411k▲
Contributions10/11€20k€20k=
Reserves13€370k€391k▲
Distributable reserves133€370k€391k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€67k€74k▲
Amounts payable within one year42/48€62k€73k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€24k€31k▲
Suppliers440/4€24k€31k▲
Taxes, remuneration and social security45€11k€13k▲
Taxes450/3€6k€9k▲
Remuneration and social security454/9€4k€4k▼
Other amounts payable47/48€28k€28k▲
Accrued charges and deferred income492/3€4k€1,000▼
Income statement
Code20242025
Remuneration, social security and pensions62€50k€36k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€29k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€139k€106k▼
Operating profit (loss)9901€55k€36k▼
Financial income75/76B€21€6▼
Recurring financial income75€21€6▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€52k€31k▼
Income taxes67/77€17k€8k▼
Profit (loss) for the period9904€36k€23k▼
Profit (loss) for the period to be appropriated9905€36k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€36k€23k▼
Transfer to equity691/2€36k€21k▼
To other reserves6921€36k€21k▼
Profit to be distributed694/7-€2k
Directors or managers695-€2k
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €67k ▲192%
Operating result €101k, net result €67k, both a record.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €16k ▼33.3%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wervik · 1 establishment unit since 2003
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.
Menensesteenweg 1128940 WervikGround area
1,340 m²
Building footprint
456 m²
Parcel 33029B0630/00P004, Flanders. Linked by address, not a title deed.
1 establishment unit
GERDY & JOKE
since 20032.132.386.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33029B0630/00P004 | Flanders | 1,340 m² | 1 · 456 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWervik2.132.386.830
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,561. 1,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2002
Fiscal year end31-12
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
52220
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:feestzaalleiedaele.be
E-mail:info@feestzaalleiedaele.be