GERAM
ActiveSummary
The computed 12-month bankruptcy probability of GERAM is 1.5% (moderate). The 2025 annual accounts show equity of €11k and a net result of €3k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 11322 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
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+57
Solvency100▲+42
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 4.31 against 1.43 in 2024; short-term debt: 22.4% and cash: 0.9% of total assets), and 22.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 →
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 26-01-2026, 5 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
5 d early
2024
25 d early
2023
27 d early
2022
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▲ 46.2%
2024 · €7k
2022: €8k
2023: €8k
2024: €7k
2022 → 2025
Total assets
€14k▼ 38.8%
2024 · €23k
2022: €56k
2023: €29k
2024: €23k
2022 → 2025
Net result
€3k
2024 · €-107
2022: €3k
2023: €-398
2024: €-107
2022 → 2025
Working capital
€10k▲ 55.1%
2024 · €7k
2022: €16k
2023: €16k
2024: €7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€8k▼ 5.0%€7k▼ 1.4%€11k▲ 46.2%
Operating result€6k-€3k▼ 60.5%€2k▼ 11.4%€6k▲ 159%
Net result€3k-€-398€-107▲ 73.2%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 159% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€499 ▼ 33.6%
Current assets
€13k ▼ 39.0%
Equity and liabilities €14k
Equity
€11k ▲ 46.2%
Debt
€3k ▼ 79.7%
Debt's share of the balance-sheet total falls from 67.5% to 22.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€6k▲
2024 · €3k
Cash flow
€4k▲
2024 · €667
Current ratio
4.31▲
2024 · 1.43
Debt to equity
0.29▼
2024 · 2.08
ROE
31.6%▲
2024 · -1.4%
ROA
24.5%▲
2024 · -0.5%
Interest coverage
9.34▲
2024 · 2.86
Debt ≤ 1 year
€3k▼
2024 · €15k
Income taxes
€2k▲
2024 · €1k
Staff costs
€0▼
2024 · €667
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€23k€14k▼
Fixed assets21/28€751€499▼
Tangible fixed assets22/27€751€499▼
Furniture and vehicles24€751€499▼
Current assets29/58€22k€13k▼
Amounts receivable within one year40/41€18k€13k▼
Trade receivables40€18k€13k▼
Other amounts receivable41€742€231▼
Cash at bank and in hand54/58€129€132▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€23k€14k▼
Equity10/15€7k€11k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€2k€6k▲
Amounts payable17/49€15k€3k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€15k€3k▼
Current portion of amounts payable after more than one year42€10k€0▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€2k€2k▼
Taxes450/3€2k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€667€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€774€252▼
Other operating charges640/8€942€528▼
Gross operating margin9900€5k€7k▲
Operating profit (loss)9901€2k€6k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€646▼
Recurring financial charges65€1k€646▼
Profit (loss) for the period before taxes9903€1k€5k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€-107€3k▲
Profit (loss) for the period to be appropriated9905€-107€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€6k▲
Profit (loss) brought forward from the previous period14P€3k€2k▼
The notes to these accounts (4 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
30-06
Financial
Liquidity triplescurrent ratio 4.31
Current ratio from 1.43 to 4.31; short-term debt falls from €15k to €3k.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-398 ▼114%
Net result drops to €-398, the lowest in the series; recovery starts the following year.
26-01
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
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, Lochristi · 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.
Bosdreef 209080 LochristiGround area
655 m²
Building footprint
361 m²
Volume, LiDAR
2,349 m³
2 parcels, Flanders · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
'T Oud Kaashuis
since 20212.315.759.885
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0418/00Z000 | Flanders | 376 m² | 1 · 82 m² | 12.4 m · 3 fl. |
| 44013B0613/00P000 | Flanders | 279 m² | 1 · 279 m² | 12.4 m · 2 fl. |
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.
Similar companies · same sector, comparable size
GLOBAL BIMET LOGISTICS
BE 0833.938.989
Aartselaar · Eq €10,231
EXO-TATI
BE 0792.781.196
Antwerpen · Eq €6,868
WYSEUR
BE 0442.414.624
Brugge · Eq €6,532
Aardappelhandel Verhelst
BE 0724.850.514
Langemark-Poelkapelle · Eq €19,878
ALXAS
BE 1003.400.662
Maasmechelen · Eq €19,932
Of 141 companies in sector 46311 we hold annual accounts for 97. 22 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
Founded31-03-2021
Fiscal year end30-06
Activities, NACEBEL 2025
46311Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.