Equity
-€600,680
Debts exceed assets in financial year 2025.
GERIBRAY
Lifetime
20 annual accounts with figures on one time axis, 23 filings since 2003peak €4.3m (2015)
-not published
lowest -€505,147 (2024)
€51,441▲ €556,588
peak €413,237 (2021)
-€600,680▲ €51,441
€1.6m▲ 7.1%
peak 61.6 FTE (2023)
61.2 FTEunchanged
Board8 names since 2019
2 directorsARGEF SA and 1 other
Owners5 names in the annual accounts
Documentsfilings and deeds
13-08-202613 days late
2025financial year
Gross margin from €3.1m to €3.7mBack to profit: €51,441Cash from €71,980 to €19,312
Key points
from the 2025 annual accountsResult
€51,441 €51,441
Back in profit in 2025, after a loss of €505,147 in 2024.
Debts
€1.6m 159% of the balance sheet
Financial debts 5%Suppliers 12%Taxes and wages 30%Other 54%
Of this, €1.6m falls due within a year.
Staff
79 employees on 31-12-2025
In 2025, 29 people joined and 34 left.
Filings
23 annual accounts since 2003
Eight of the last ten came late. The 2019 accounts came latest: 31 days after the end of the period.
Position in the sector
-59.0%
Lower solvency than 93% of companies in residential care. Sector median 46.3% · 700 companies.
Checked score
55
Fair
Financially stronger than 38% of medium-sized companies in residential care (NACE 87)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.6% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 536 companies (NACE 87, medium-sized).
About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.3%
01-2025: 1.3%● unchanged vs 12-2024
02-2025: 1.3%● unchanged vs 01-2025
03-2025: 1.4%▲ +0.1 percentage points vs 02-2025
04-2025: 1.4%● unchanged vs 03-2025
05-2025: 1.3%▼ -0.1 percentage points vs 04-2025
06-2025: 1.3%● unchanged vs 05-2025
07-2025: 1.5%▲ +0.2 percentage points vs 06-2025
08-2025: 1.6%▲ +0.1 percentage points vs 07-2025
09-2025: 1.7%▲ +0.1 percentage points vs 08-2025
10-2025: 1.7%● unchanged vs 09-2025
11-2025: 1.7%● unchanged vs 10-2025
12-2025: 1.7%● unchanged vs 11-2025
01-2026: 1.7%● unchanged vs 12-2025
02-2026: 1.7%● unchanged vs 01-2026
03-2026: 1.7%● unchanged vs 02-2026
04-2026: 1.7%● unchanged vs 03-2026
05-2026: 1.7%● unchanged vs 04-2026
06-2026: 1.7%● unchanged vs 05-2026
07-2026: 1.8%▲ +0.1 percentage points vs 06-2026
08-2026: 1.9%▲ +0.1 percentage points vs 07-2026highest value
09-2026: 0.6%▼ -1.3 percentage points vs 08-2026lowest value
10-2026: 0.6%● unchanged vs 09-2026lowest value
11-2026: 0.6%● unchanged vs 10-2026lowest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Negative equity -€600,680
Liquidity: current ratio 0.49, cash €19,312, halved
Size: 61.2 FTE, total assets €1.0m
lowers risk
Sector: Residential care activities (NACE 87)
Calculation
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 87, medium-sized). It does better than 4% of them on solvency, 3% on liquidity, 72% on profitability and 72% 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 low class on 30-06-2025, 0.8% 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).
Comparable companies, two years later
In July 2024, 4,136 companies had the same profile as GERIBRAY has now. Each dot stands for 11 companies, two years later.
91.5%
were still trading
5.2%
stopped another way
2.6%
went bankrupt
Another 0.7% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of GERIBRAY itself: 0.6% within 12 months.
Test of the method
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 4,136 companies, not a prediction for GERIBRAY. 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.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.49 (0.4 in 2024), below 1. Short-term debt is 158.5% and cash 1.9% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 700 sector peers (2025).
NBB · sector comparisonPosition among 700 sector peers
Solvency
better than 6%
← weakest
strongest →
raises risk · 2025 accounts filed 13 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
13 days late
2024
24 days late
2023
30 days late
2022
13 days late
2021
1 day late
2020
23 days late
2019
31 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 19 days after the deadline. In the sector (NACE 87), the median for financial year 2024 was 27 days before the deadline, and 25% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 13 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- ARGENSON GESTION FINANCE 100%score 94equity €21.5m (2025) · annual accounts 2025
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0477871488
1 director appointed, 2 resignations
Resignations: GERISCO (managing director) and Jean-Michel VOYER (managing director) · Appointment: ARGENSON GESTION FINANCE (director) · Permanent representative: Jean-Michel VOYER · General meeting of 02-09-2021 · Gazette deed
Resignations: SRL VALIMMO INTERNATIONAL (director) and SRL HONNELINVEST (director)
Director discharge: SRL VALIMMO INTERNATIONAL · Director discharge: SRL HONNELINVEST · General meeting of 22-06-2021 · Gazette deed
Appointment: Honnellnvest (director)
Permanent representative: Frederick Roisse · General meeting of 15-04-2021 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| GERIBRAY Binche | €1.0m | €3.7m | -59.0% | 61.2 |
| RESIDENCE LES PEUPLIERS Seneffe | €1.0m | €3.2m | -76.6% | 51.1 |
| Hof ter Bloemen Heusden-Zolder | €1.2m | €4.3m | 12.9% | 57.2 |
| LE RENOUVEAU DE SAINT-JOSEPH Leuze-en-Hainaut | €1.3m | €3.7m | -254.5% | 68.1 |
| LE COIN DU BONHEUR Saint-Ghislain | €1.1m | €2.9m | -79.8% | 46.5 |
| L'Age Tranquille Mouscron | €1.7m | €4.1m | 18.1% | 49 |
| RESIDENCE DRION Les Bons Villers | €1.1m | €3.2m | -41.0% | 47 |
These companies have the same main activity as GERIBRAY: residential care activities (NACE 87301). They are comparable in size and age: total assets between €1m and €1.7m, founded between 1996 and 2006.
Official details
Source: KBO- Status
- Active since 01-07-2002Normal situation
- Activity
- Residential care activitiesNACE 87301
- Joint committee
- 330Health institutions and services · annual accounts 2025
- Establishment unit
- 2.093.448.2587130 Binche, since 13-08-2002
- Financial year end
- 31 December
- Peppol
- Reachable since 19-11-2025
Annual accounts 2025
- ≈ €4.5mestimated
- €1.0m▲ 18.4%
- Employeeson 31-12-2025
- 79▼ 6.0%
- Filing
- Filed on 13-08-2026
Insights on GERIBRAY
Solvency rose in 2025 from -75.8% to -59.0% because of the retained profit.
ARGENSON GESTION FINANCE holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about GERIBRAY
- What is the company number of GERIBRAY?
- The company number of GERIBRAY is 0477.871.488. The VAT number is the same number with BE in front: BE 0477.871.488.
- Where is GERIBRAY based?
- The registered office is at Rue de la Chapelette 60, 7130 Binche.Company details
- What does GERIBRAY do?
- According to the KBO register, the main activity is residential care activities (NACE 87301).
- What is the legal form of GERIBRAY?
- GERIBRAY is a public limited company (NV).
- When was GERIBRAY founded?
- GERIBRAY was founded on 01-07-2002.
- Is GERIBRAY still active?
- Yes, GERIBRAY is an active enterprise in the KBO register.
- How many employees does GERIBRAY have?
- GERIBRAY had an average of 61.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does GERIBRAY fall under?
- In its 2025 annual accounts, GERIBRAY states joint committee 330 (Health institutions and services).
- What is the turnover of GERIBRAY?
- The turnover in financial year 2025 is ≈ €4.5m. This figure is estimated from the gross margin of €3.7m and 44 comparable companies (NACE 87301). It probably lies between €4.3m and €5.0m.
- Is GERIBRAY profitable?
- In financial year 2025, GERIBRAY made a profit of €51,441.
- Where can I find the annual accounts of GERIBRAY?
- GERIBRAY filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of GERIBRAY due?
- GERIBRAY must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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