Gert is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €588k and a net result of €129k. Equity is growing by ~28.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 8018 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
8 d early
2022
12 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€588k▲ 28.1%
2024 · €459k
2022: €276k
2023: €347k
2024: €459k
2022 → 2025
Net result
€129k▲ 14.6%
2024 · €112k
2022: €271k
2023: €70k
2024: €112k
2022 → 2025
Total assets
€647k▲ 23.3%
2024 · €525k
2022: €363k
2023: €454k
2024: €525k
2022 → 2025
Solvency
90.9%▲ 3.4pp
2024 · 87.5%
2022: 76.1%
2023: 76.3%
2024: 87.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€276k-€347k▲ 25.5%€459k▲ 32.4%€588k▲ 28.1%
Operating result€386k-€93k▼ 75.9%€151k▲ 62.4%€175k▲ 15.7%
Net result€271k-€70k▼ 74.1%€112k▲ 59.7%€129k▲ 14.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €647k
Equity
€588k▲ 28.1%
Debt
€59k▼ 10.3%
The debt ratio falls from 12.5% to 9.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
90.9%▲
2024 · 87.5%
ROE
21.9%▼
2024 · 24.5%
ROA
19.9%▼
2024 · 21.4%
Debt
€59k▼
2024 · €66k
Debt ≤ 1 year
€59k▼
2024 · €66k
Income taxes
€54k▲
2024 · €46k
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€525k€647k▲
Current assets29/58€525k€647k▲
Amounts receivable within one year40/41€131k€100k▼
Trade receivables40€125k€95k▼
Other amounts receivable41€5k€5k=
Current investments50/53€320k€310k▼
Cash at bank and in hand54/58€74k€236k▲
Equity and liabilities
Total equity and liabilities10/49€525k€647k▲
Equity10/15€459k€588k▲
Contributions10/11€5k€5k=
Reserves13€454k€583k▲
Distributable reserves133€454k€583k▲
Amounts payable17/49€66k€59k▼
Amounts payable within one year42/48€66k€59k▼
Trade debts44€28-
Suppliers440/4€28-
Taxes, remuneration and social security45€62k€56k▼
Taxes450/3€60k€56k▼
Remuneration and social security454/9€2k-
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Other operating charges640/8€449€400▼
Gross operating margin9900€151k€175k▲
Operating profit (loss)9901€151k€175k▲
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Profit (loss) for the period before taxes9903€158k€183k▲
Income taxes67/77€46k€54k▲
Profit (loss) for the period9904€112k€129k▲
Profit (loss) for the period to be appropriated9905€112k€129k▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€129k▲
Transfer to equity691/2€112k€129k▲
To other reserves6921€112k€129k▲
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €500kEq €588k ▲28.1%
4 profitable years in a row build equity to €588k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €70k ▼74.1%
Net result drops to €70k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
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, Tongeren-Borgloon · 1 establishment unit since 2021
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.
Wilstraat 153700 Tongeren-BorgloonGround area
1,060 m²
Building footprint
172 m²
Volume, LiDAR
1,109 m³
Parcel 73073A0828/00T000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gert
since 20212.319.377.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73073A0828/00T000 | Flanders | 1,060 m² | 1 · 172 m² | 10.5 m · 2 fl. |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,503 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
10910Manufacture of food products
46212Wholesale trade
49410Freight transport by road
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:gert@loverix.eu