GERT DE BIE
ActiveSummary
GERT DE BIE has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €15k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+12
Solvency92▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.84 against 2.8 in 2024; short-term debt: 33.4% and cash: 43.9% of total assets), and 33.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
66.6%
Return on assets
11.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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
49 d late
2024
60 d late
2023
125 d late
2022
100 d late
2021
25 d late
2020
31 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€85k▲ 21.1%
2024 · €70k
2018: €42k
2019: €42k
2020: €68k
2021: €77k
2022: €74k
2023: €68k
2024: €70k
2018 → 2025
Total assets
€128k▲ 20.4%
2024 · €106k
2018: €83k
2019: €80k
2020: €113k
2021: €117k
2022: €114k
2023: €95k
2024: €106k
2018 → 2025
Net result
€15k▲ 550%
2024 · €2k
2018: €2k
2019: €19
2020: €25k
2021: €9k
2022: €-3k
2023: €-5k
2024: €2k
2018 → 2025
Working capital
€79k▲ 21.2%
2024 · €65k
2018: €38k
2019: €39k
2020: €62k
2021: €75k
2022: €69k
2023: €62k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€74k▼ 3.8%€68k▼ 7.4%€70k▲ 3.4%€85k▲ 21.1%
Operating result€14k-€-3k€-5k▼ 82.3%€2k€21k▲ 817%
Net result€9k-€-3k€-5k▼ 86.1%€2k€15k▲ 550%
Turnover and EBIT margin not published: the abbreviated or 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 817% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€7k ▲ 20.1%
Current assets
€121k ▲ 20.4%
Equity and liabilities €128k
Equity
€85k ▲ 21.1%
Debt
€43k ▲ 19.0%
Debt's share of the balance-sheet total falls from 33.8% to 33.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▲
2024 · €3k
Cash flow
€16k▲
2024 · €3k
Current ratio
2.84▲
2024 · 2.80
Quick ratio
1.77▲
2024 · 1.56
Debt to equity
0.50▼
2024 · 0.51
ROE
17.4%▲
2024 · 3.2%
ROA
11.6%▲
2024 · 2.1%
Interest coverage
456.35▼
2024 · 1253.09
Debt ≤ 1 year
€43k▲
2024 · €36k
Income taxes
€6k
Staff costs
€6k▼
2024 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€106k€128k▲
Fixed assets21/28€6k€7k▲
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23-€573
Furniture and vehicles24€2k€3k▲
Financial fixed assets28€3k€3k=
Current assets29/58€101k€121k▲
Stocks and contracts in progress3€45k€46k▲
Stocks30/36€45k€46k▲
Amounts receivable within one year40/41€5k€20k▲
Trade receivables40€4k€15k▲
Other amounts receivable41€539€5k▲
Cash at bank and in hand54/58€51k€56k▲
Deferred charges and accrued income490/1€133-
Equity and liabilities
Total equity and liabilities10/49€106k€128k▲
Equity10/15€70k€85k▲
Contributions10/11€12k€12k=
Reserves13€49k€64k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€47k€62k▲
Profit (loss) carried forward14€9k€9k=
Amounts payable17/49€36k€43k▲
Amounts payable within one year42/48€36k€43k▲
Trade debts44€30k€26k▼
Suppliers440/4€30k€26k▼
Taxes, remuneration and social security45€6k€17k▲
Taxes450/3€5k€15k▲
Remuneration and social security454/9€940€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€14k€6k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€673€868▲
Other operating charges640/8€672€811▲
Gross operating margin9900€18k€29k▲
Operating profit (loss)9901€2k€21k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€2€48▲
Recurring financial charges65€2€48▲
Profit (loss) for the period before taxes9903€2k€21k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€2k€15k▲
Profit (loss) for the period to be appropriated9905€2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€24k▲
Profit (loss) brought forward from the previous period14P€7k€9k▲
Transfer to equity691/2-€15k
To other reserves6921-€15k
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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
03-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 125 days late
2023
31-12
Financial
Weakest financial yearnet €-5k
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
08-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 100 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €25k ▲134570%
Operating result €33k, net result €25k, both a record.
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 84 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Heist-op-den-Berg · 1 establishment unit since 2009
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.
Liersesteenweg 274C2220 Heist-op-den-BergGround area
3,406 m²
Building footprint
701 m²
Volume, LiDAR
3,098 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
't Voorwoord
since 20092.178.297.524
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014A0774/00Y000 | Flanders | 2,299 m² | 1 · 527 m² | 7.5 m · 2 fl. |
| 12322I0118/00L000 | Flanders | 1,107 m² | 1 · 173 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHeist-op-den-Berg2.178.297.524
Similar companies · same sector, comparable size
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LIBRAIRIE CARINE
BE 0806.231.831
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WEEKSLEY
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DINGMING
BE 0475.665.234
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LIBRAIRIE TITI
BE 0886.333.936
Fléron · Eq €85,900
Of 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,097 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
47610Retail trade
47621Retail sale of newspapers and periodicals
56309Food and beverage service activities
68310Real estate agency activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.