GEROFINA

Active

Public limited companyfounded 1981active for 45 yearsBeauregard 36, 4130 Esneux, BelgiumKBO/BCE: BE 0421.837.657

From the official registers: KBO 43 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

GEROFINA 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 (-€4,352) and a net result of -€5,748. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 1,850 sector peers (NACE 66, financial year 2025). The company has been active since 1981 and the Belgian Official Gazette contains no insolvency or warning signals.

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GEROFINAActive

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Official details

KBO

Status: Active since 14-07-1981 Normal situation
Legal form: Public limited company
Registered office: Beauregard 36, 4130 Esneux
Activity: Risk and damage evaluation NACE 66210and 1 other
Establishment unit: 2.019.172.388 4120 Neupré, since 14-07-1981
Financial year end: 31 December
Peppol: Reachable since 17-02-2026

Company details

Who decides

Board

CHALANT PatrickDirector · since 18-11-2021
PETIT BernardDirector · since 18-11-2021
PETIT LudivineDirector · since 18-11-2021

Board & ownership

How it is doing

Financial institution: outside the modelBankruptcy probability: sector outside the model

Annual accounts 2025

Loss: €5,748; ▼ 73.6%
Equity: -€4,352
Total assets: €28,224; ▼ 29.8%

2025 accounts filed 24 days late

Filed on 24-08-2026at the National Bank

Financials

Signalsraises riskWeak solvency vs sector2025 accounts filed 24 days lateShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

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Signals

Two signals.

raises risk

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 1850 sector peers (2025).

NBB · sector comparison

Position among 1850 sector peers

Solvency

better than 5%

← weakest strongest →

2025 accounts filed 24 days late

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. 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 filings

Deviation from the deadline

2025

24 days late

2024

29 days late

2023

84 days late

2022

32 days late

2021

31 days late

2020

31 days late

2019

101 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 47 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)

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 31 August (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€4,352 View
Risk: 4 loss-making years in a rowloss financial year 2025 -€5,748 View
Caution: Among the weakest 5% on solvencysector median 38.6% · 1,850 companies -15.4% View

Documents

Key facts about GEROFINA

What is the company number of GEROFINA?: 0421.837.657. In Belgium the VAT number is the company number with BE in front: BE 0421.837.657.
Where is GEROFINA based?: The registered office is at Beauregard 36, 4130 Esneux.Company details
What does GEROFINA do?: According to the KBO register, the main activity is risk and damage evaluation (NACE 66210).
What is the legal form of GEROFINA?: Public limited company (NV).
When was GEROFINA founded?: On 14-07-1981.
Is GEROFINA still active?: Yes, GEROFINA is an active enterprise in the KBO register.
What is the turnover of GEROFINA?: ≈ €42,000 in financial year 2025. Estimated from the gross margin of €6,281: probably between €18,000 and €110,000, based on 2,694 comparable companies of the same size. A rough estimate.Financials
Is GEROFINA profitable?: In financial year 2025, GEROFINA made a loss of €5,748.
Where can I find the annual accounts of GEROFINA?: GEROFINA filed 43 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of GEROFINA due?: By 31-07-2027, for financial year 2026.Timeline