Ger-Infor
ActiveGer-Infor has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €166k and a net result of €-3k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 81% of 11257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+53
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity short (current ratio 0.8 against 0.86 in 2024; short-term debt: 19.6% and cash: 4.1% of total assets), and 19.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-3k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-06-2026, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
22 d late
2023
30 d late
2022
12 d early
2021
18 d late
2020
45 d early
2019
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€166k▼ 1.8%
2024 · €169k
2018: €42k
2019: €42k
2020: €198k
2021: €193k
2022: €187k
2023: €177k
2024: €169k
2018 → 2025
Total assets
€207k▼ 2.1%
2024 · €211k
2018: €113k
2019: €75k
2020: €235k
2021: €235k
2022: €234k
2023: €225k
2024: €211k
2018 → 2025
Net result
€-3k▲ 58.8%
2024 · €-8k
2018: €-10k
2019: €-380
2020: €-4k
2021: €-4k
2022: €-6k
2023: €-10k
2024: €-8k
2018 → 2025
Working capital
€-8k▼ 40.2%
2024 · €-6k
2018: €-25k
2019: €4k
2020: €3k
2021: €6k
2022: €5k
2023: €729
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€193k-€187k▼ 3.4%€177k▼ 5.2%€169k▼ 4.3%€166k▼ 1.8%
Operating result€-530-€-3k▼ 536%€-7k▼ 94.5%€-5k▲ 21.8%€1k
Net result€-4k-€-6k▼ 46.3%€-10k▼ 48.5%€-8k▲ 21.3%€-3k▲ 58.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €1k after a loss of €5k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €207k
Fixed assets
€174k▼ 0.5%
Current assets
€33k▼ 9.9%
Equity and liabilities €207k
Equity
€166k▼ 1.8%
Debt
€41k▼ 3.0%
The debt ratio falls from 19.8% to 19.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€2k▲
2024 · €-4k
Cash flow
€-2k▲
2024 · €-6k
Solvency
80.4%▲
2024 · 80.2%
Current ratio
0.80▼
2024 · 0.86
Quick ratio
0.80▼
2024 · 0.86
Debt / equity
0.24▼
2024 · 0.25
ROE
-1.9%▲
2024 · -4.5%
ROA
-1.5%▲
2024 · -3.6%
Interest coverage
15.32▲
2024 · -53.32
Debt
€41k▼
2024 · €42k
Debt ≤ 1 year
€41k▼
2024 · €42k
Income taxes
€4k▲
2024 · €3k
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€211k€207k▼
Fixed assets21/28€175k€174k▼
Tangible fixed assets22/27€174k€173k▼
Land and buildings22€173k€172k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€889€889=
Current assets29/58€36k€33k▼
Amounts receivable within one year40/41€14k€15k▲
Trade receivables40€14k€15k▲
Other amounts receivable41€0-
Current investments50/53€17k€5k▼
Cash at bank and in hand54/58€3k€9k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€211k€207k▼
Equity10/15€169k€166k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€160k€160k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Profit (loss) carried forward14€-59k€-62k▼
Amounts payable17/49€42k€41k▼
Amounts payable within one year42/48€42k€41k▼
Trade debts44€167€167=
Suppliers440/4€167€167=
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€6k€5k▼
Other amounts payable47/48€36k€35k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€815▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€2k€8k▲
Operating profit (loss)9901€-5k€1k▲
Financial income75/76B€405€0▼
Recurring financial income75€405€0▼
Financial charges65/66B€75€123▲
Recurring financial charges65€75€123▲
Profit (loss) for the period before taxes9903€-5k€947▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€-8k€-3k▲
Profit (loss) for the period to be appropriated9905€-8k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-59k€-62k▼
Profit (loss) brought forward from the previous period14P€-52k€-59k▼
The notes to these accounts (11 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
08-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €198k ▲374%
Equity rises from €42k to €198k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
18-07
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
5 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, Harelbeke · 1 establishment unit since 1974
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.
Kortrijksesteenweg 3218530 HarelbekeGround area
5,165 m²
Building footprint
2,147 m²
Parcel 34013A1207/00G007, Flanders. Linked by address, not a title deed.
1 establishment unit
Ger-Infor
since 19742.009.874.543
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34013A1207/00G007 | Flanders | 5,165 m² | 1 · 2,147 m² | - |
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.
Similar companies · same sector, comparable size
BVD BE
BE 0794.495.425
Waterloo · Eq €165k
PIGS
BE 0458.232.948
Walcourt · Eq €165k
COPYCENTER
BE 0454.796.376
Kontich · Eq €164k
LUYCKX DIRK
BE 0477.849.912
Beerse · Eq €163k
PIRON - TEHEUX
BE 0458.309.756
Liège · Eq €172k
Of 334 companies in sector 46492 we hold annual accounts for 241. 190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-05-1974
Fiscal year end31-12
Activities, NACEBEL
46492Wholesale trade
51475
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.