GERFIN
ActiveSummary
The computed 12-month bankruptcy probability of GERFIN is 1.8% (moderate). The 2024 annual accounts show negative equity (-€95,979) and a net result of -€4,194. Equity remains stable across the filed fiscal years (±2.3% per year). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
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Signals
This company filed its last 6 accounts on average 329 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
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Peer companies
Historical observationOf the 2,799 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 90% are still going.
- Micro
- 20 years or older
- negative equity
- a small loss
A further 2.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,799 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | €348 | €348 | €770 | €427 | €1,000 | ▲ 134% |
| Gross operating margin9900 | -€2,329 | -€927 | -€2,042 | -€1,159 | -€3,106 | ▼ 168% |
| Operating profit (loss)9901 | -€2,677 | -€1,275 | -€2,813 | -€1,586 | -€4,105 | ▼ 159% |
| Financial income75/76B | €2,676 | - | - | - | - | - |
| Recurring financial income75 | €2,676 | - | - | - | - | - |
| Financial charges65/66B | €75 | €37 | €144 | €42 | €89 | ▲ 114% |
| Recurring financial charges65 | €75 | €37 | €144 | €42 | €89 | ▲ 114% |
| Profit (loss) for the period before taxes9903 | -€76 | -€1,311 | -€2,957 | -€1,627 | -€4,194 | ▼ 158% |
| Profit (loss) for the period9904 | -€76 | -€1,311 | -€2,957 | -€1,627 | -€4,194 | ▼ 158% |
| Profit (loss) for the period to be appropriated9905 | -€76 | -€1,311 | -€2,957 | -€1,627 | -€4,194 | ▼ 158% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €186,937 | €186,900 | €182,704 | €180,766 | €61,234 | ▼ 66.1% |
| Current assets29/58 | €186,937 | €186,900 | €182,704 | €180,766 | €61,234 | ▼ 66.1% |
| Amounts receivable within one year40/41 | €186,626 | €186,626 | €182,573 | €180,677 | €61,234 | ▼ 66.1% |
| Other amounts receivable41 | €186,626 | €186,626 | €182,573 | €180,677 | €61,234 | ▼ 66.1% |
| Cash at bank and in hand54/58 | €311 | €274 | €130 | €89 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €186,937 | €186,900 | €182,704 | €180,766 | €61,234 | ▼ 66.1% |
| Equity10/15 | -€85,890 | -€87,201 | -€90,157 | -€91,785 | -€95,979 | ▼ 4.6% |
| Contributions10/11 | €6,197 | €6,197 | €6,197 | €6,197 | €6,197 | = |
| Profit (loss) carried forward14 | -€92,087 | -€93,398 | -€96,355 | -€97,982 | -€102,177 | ▼ 4.3% |
| Amounts payable17/49 | €272,827 | €274,101 | €272,861 | €272,551 | €157,214 | ▼ 42.3% |
| Amounts payable within one year42/48 | €272,827 | €274,101 | €272,861 | €272,551 | €157,214 | ▼ 42.3% |
| Trade debts44 | €3,427 | €4,702 | €3,462 | €3,152 | €2,814 | ▼ 10.7% |
| Suppliers440/4 | €3,427 | €4,702 | €3,462 | €3,152 | €2,814 | ▼ 10.7% |
| Other amounts payable47/48 | €269,399 | €269,399 | €269,399 | €269,399 | €154,399 | ▼ 42.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€76 | -€1,311 | -€2,957 | -€1,627 | -€4,194 | ▼ 158% |
| Operating cash flow (approximation) | -€76 | -€1,311 | -€2,957 | -€1,627 | -€4,194 | ▼ 158% |
| Change in cash | - | -€37 | -€144 | -€42 | -€89 | ▼ 114% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Directors · office · real estate
1 establishment unit
2 parcels
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010C0057/00X003 | Flanders | 4,003 m² | 1 · 213 m² | 8.8 m · 2 fl. |
| 13005B0174/00T003 | Flanders | 862 m² | 1 · 75 m² | 10.0 m · 3 fl. |
Linked by address, not proof of ownership
Identification & contact
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.