GEROFINA
ActiveGEROFINA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-4k) and a net result of €-6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1457 sector peers (fiscal year 2025). The company has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1457 sector peers (2025).
NBB · sector comparisonPosition among 1457 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
29 d late
2023
84 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
101 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-4k
2024 · €1k
2018: €338k
2019: €354k
2020: €392k
2021: €90k
2022: €60k
2023: €23k
2024: €1k
2018 → 2025
Net result
€-6k▲ 73.6%
2024 · €-22k
2018: €33k
2019: €17k
2020: €37k
2021: €15k
2022: €-30k
2023: €-37k
2024: €-22k
2018 → 2025
Total assets
€28k▼ 29.8%
2024 · €40k
2018: €353k
2019: €359k
2020: €424k
2021: €200k
2022: €134k
2023: €83k
2024: €40k
2018 → 2025
Solvency
-15.4%▼ 18.9pp
2024 · 3.5%
2018: 95.5%
2019: 98.6%
2020: 92.4%
2021: 45.1%
2022: 44.5%
2023: 27.9%
2024: 3.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€90k-€60k▼ 33.6%€23k▼ 61.3%€1k▼ 94.0%€-4k
Operating result€25k-€-33k€-45k▼ 38.5%€-33k▲ 26.8%€-3k▲ 91.1%
Net result€15k-€-30k€-37k▼ 20.9%€-22k▲ 40.6%€-6k▲ 73.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €33k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28k
Fixed assets
€22k▼ 25.6%
Current assets
€6k▼ 42.0%
Key figures and ratios
Solvency
-15.4%▼
2024 · 3.5%
ROE
132.1%
ROA
-20.4%▲
2024 · -54.1%
Debt
€33k▼
2024 · €39k
Debt ≤ 1 year
€24k▼
2024 · €33k
Income taxes
€173▼
2024 · €194
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€40k€28k▼
Fixed assets21/28€30k€22k▼
Intangible fixed assets21€13k€9k▼
Tangible fixed assets22/27€17k€13k▼
Plant, machinery and equipment23€17k€13k▼
Furniture and vehicles24€0€0=
Assets under construction and advance payments27-€0
Current assets29/58€10k€6k▼
Amounts receivable within one year40/41€10k€6k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€6k€3k▼
Current investments50/53€0-
Cash at bank and in hand54/58€577€327▼
Equity and liabilities
Total equity and liabilities10/49€40k€28k▼
Equity10/15€1k€-4k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Profit (loss) carried forward14€-60k€-66k▼
Amounts payable17/49€39k€33k▼
Amounts payable within one year42/48€33k€24k▼
Current portion of amounts payable after more than one year42€0-
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€359€367▲
Taxes450/3€359€367▲
Other amounts payable47/48€27k€19k▼
Accrued charges and deferred income492/3€6k€8k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€18k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€8k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-15k€6k▲
Operating profit (loss)9901€-33k€-3k▲
Financial income75/76B€15k€0▼
Recurring financial income75€15k€0▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€-22k€-6k▲
Income taxes67/77€194€173▼
Profit (loss) for the period9904€-22k€-6k▲
Profit (loss) for the period to be appropriated9905€-22k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-60k€-66k▼
Profit (loss) brought forward from the previous period14P€-38k€-60k▼
The notes to these accounts (6 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 84 days late
2023
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €37k ▲120%
Operating result €48k, net result €37k, both a record.
09-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 101 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 67.57
Current ratio from 20.89 to 67.57; short-term debt falls from €16k to €5k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Esneux · 1 establishment unit since 1981
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.
Beauregard 364130 EsneuxGround area
8,769 m²
Building footprint
535 m²
Volume, LiDAR
2,770 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Rimière(RR) 77, 4120 Neupré
since 19812.019.172.388
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62032A0810/00R000 | Wallonia | 5,751 m² | 1 · 355 m² | 6.6 m · 2 fl. |
| 62090A0207/00A003 | Wallonia | 3,017 m² | 1 · 180 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 850 companies in sector 66210 we hold annual accounts for 511. 47 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-07-1981
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
67202
47120Other non-specialised retail sale
47191Retail trade
52122
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.