HERMANS-VAN GESTEL
ActiveHERMANS-VAN GESTEL has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €410k and a net result of €100k. Equity is growing by ~35.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
77
/ 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
Profitability82▼-7
Solvency68▲+10
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 1.28 in 2024; short-term debt: 21% and cash: 19.5% of total assets), but 56.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
43.5%
Return on assets
10.5%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
4 d late
2023
on the day
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€410k▲ 26.2%
2024 · €325k
2019: €46k
2020: €100k
2021: €145k
2022: €159k
2023: €188k
2024: €325k
2019 → 2025
Total assets
€944k▼ 5.2%
2024 · €996k
2019: €275k
2020: €342k
2021: €387k
2022: €774k
2023: €736k
2024: €996k
2019 → 2025
Net result
€100k▼ 38.3%
2024 · €161k
2019: €71k
2020: €104k
2021: €45k
2022: €34k
2023: €49k
2024: €161k
2019 → 2025
Working capital
€151k▲ 90.2%
2024 · €79k
2019: €37k
2020: €63k
2021: €109k
2022: €-75k
2023: €-57k
2024: €79k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€159k▲ 9.6%€188k▲ 18.2%€325k▲ 73.2%€410k▲ 26.2%
Operating result€59k-€27k▼ 53.6%€36k▲ 29.5%€217k▲ 510%€147k▼ 32.1%
Net result€45k-€34k▼ 24.2%€49k▲ 43.8%€161k▲ 230%€100k▼ 38.3%
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 falls in 2025; 2025 is 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €944k
Fixed assets
€595k▼ 6.7%
Current assets
€349k▼ 2.6%
Equity and liabilities €944k
Equity
€410k▲ 26.2%
Debt
€534k▼ 20.4%
The debt ratio falls from 67.3% to 56.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€240k▼
2024 · €285k
Cash flow
€192k▼
2024 · €229k
Solvency
43.5%▲
2024 · 32.7%
Current ratio
1.76▲
2024 · 1.28
Quick ratio
1.76▲
2024 · 1.28
Debt / equity
1.30▼
2024 · 2.06
ROE
24.3%▼
2024 · 49.6%
ROA
10.5%▼
2024 · 16.2%
Interest coverage
18.43▼
2024 · 21.56
Debt
€534k▼
2024 · €671k
Debt ≤ 1 year
€198k▼
2024 · €279k
Debt > 1 year
€336k▼
2024 · €392k
Income taxes
€41k▼
2024 · €43k
Staff costs
€329k▲
2024 · €289k
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€996k€944k▼
Fixed assets21/28€638k€595k▼
Tangible fixed assets22/27€638k€595k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€373k€358k▼
Furniture and vehicles24€53k€39k▼
Other tangible fixed assets26€211k€197k▼
Current assets29/58€358k€349k▼
Amounts receivable within one year40/41€224k€147k▼
Trade receivables40€86k€66k▼
Other amounts receivable41€137k€81k▼
Current investments50/53-€13k
Cash at bank and in hand54/58€130k€184k▲
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€996k€944k▼
Equity10/15€325k€410k▲
Contributions10/11€20k€20k=
Reserves13€305k€390k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€303k€388k▲
Amounts payable17/49€671k€534k▼
Amounts payable after more than one year17€392k€336k▼
Financial debts170/4€392k€336k▼
Amounts payable within one year42/48€279k€198k▼
Current portion of amounts payable after more than one year42€60k€56k▼
Trade debts44€140k€98k▼
Suppliers440/4€140k€98k▼
Taxes, remuneration and social security45€54k€44k▼
Taxes450/3€25k-
Remuneration and social security454/9€30k€44k▲
Other amounts payable47/48€24k-
Income statement
Code20242025
Remuneration, social security and pensions62€289k€329k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€68k€93k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€577k€571k▼
Operating profit (loss)9901€217k€147k▼
Financial income75/76B€1k€7k▲
Recurring financial income75€1k€7k▲
Financial charges65/66B€13k€13k▼
Recurring financial charges65€13k€13k▼
Profit (loss) for the period before taxes9903€205k€141k▼
Income taxes67/77€43k€41k▼
Profit (loss) for the period9904€161k€100k▼
Profit (loss) for the period to be appropriated9905€161k€100k▼
Appropriation of the result
Profit (loss) to be appropriated9906€161k€100k▼
Transfer from equity791/2-€14k
Transfer to equity691/2€137k€100k▼
To other reserves6921€137k€100k▼
Profit to be distributed694/7€24k€14k▼
Return on contributions (dividend)694€24k€14k▼
Social balance
Average headcount (FTE)90874.75.4▲
The notes to these accounts (8 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Highest result since 2019net €161k ▲230%
Operating result €217k, net result €161k, both a record.
30-06
Financial
Equity above €200kEq €325k ▲73.2%
6 profitable years in a row build equity to €325k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €34k ▼24.2%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €150kEq €159k ▲9.6%
4 profitable years in a row build equity to €159k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €100k ▲118%
2 profitable years in a row build equity to €100k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Retie · 1 establishment unit since 2008
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.
St. Martinusstraat 82470 RetieGround area
470 m²
Building footprint
350 m²
Volume, LiDAR
2,213 m³
Parcel 13036F0129/00L000, Flanders · tallest building 20.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hermans-Van Gestel BVBA
since 20082.171.857.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13036F0129/00L000 | Flanders | 469 m² | 1 · 350 m² | 20.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 1,027 EUR awarded · 1,027 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
| 2022 | 1 | 675 EUR | 675 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyRetie2.171.857.714
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Of 3,043 companies in sector 47221 we hold annual accounts for 1,562. 1,136 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded27-05-2008
Fiscal year end30-06
Activities, NACEBEL
47221Retail sale of meat and meat products, excluding game and poultry
10850Manufacture of food products
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47222Retail trade
56210Event catering
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.