J-P GERARD - SIMON
ActiveJ-P GERARD - SIMON has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €503k and a net result of €39k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 58% of 213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+12
Solvency78▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.09 against 1.94 in 2024; short-term debt: 45.4% and cash: 7.3% of total assets), and 47.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 32
Relative position
BE, all sectors
reference
Sector 32
lower
← fewer bankruptcies
more bankruptcies →
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
52.6%
Return on assets
4.1%
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 31-08-2026, 31 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
31 d late
2024
28 d late
2023
47 d late
2022
31 d late
2021
61 d late
2020
61 d late
2019
27 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€503k▲ 8.5%
2024 · €464k
2018: €390k
2019: €404k
2020: €410k
2021: €410k
2022: €410k
2023: €434k
2024: €464k
2018 → 2025
Total assets
€956k▲ 2.2%
2024 · €936k
2018: €628k
2019: €840k
2020: €813k
2021: €858k
2022: €817k
2023: €928k
2024: €936k
2018 → 2025
Net result
€39k▲ 31.4%
2024 · €30k
2018: €24k
2019: €14k
2020: €6k
2021: €68
2022: €-743
2023: €24k
2024: €30k
2018 → 2025
Working capital
€471k▲ 11.7%
2024 · €422k
2018: €298k
2019: €378k
2020: €382k
2021: €339k
2022: €345k
2023: €433k
2024: €422k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€410k-€410k▼ 0.2%€434k▲ 5.9%€464k▲ 6.9%€503k▲ 8.5%
Operating result€98-€-11k€43k€58k▲ 34.1%€64k▲ 10.6%
Net result€68-€-743€24k€30k▲ 23.2%€39k▲ 31.4%
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 2022 the operating result has climbed three years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €956k
Fixed assets
€51k▼ 20.8%
Current assets
€905k▲ 3.9%
Equity and liabilities €956k
Equity
€503k▲ 8.5%
Debt
€453k▼ 4.0%
The debt ratio falls from 50.4% to 47.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▼
2024 · €87k
Cash flow
€57k▼
2024 · €58k
Solvency
52.6%▲
2024 · 49.6%
Current ratio
2.09▲
2024 · 1.94
Quick ratio
0.88▲
2024 · 0.62
Debt / equity
0.90▼
2024 · 1.02
ROE
7.8%▲
2024 · 6.5%
ROA
4.1%▲
2024 · 3.2%
Interest coverage
8.15▲
2024 · 4.69
Debt
€453k▼
2024 · €472k
Debt ≤ 1 year
€434k▼
2024 · €449k
Debt > 1 year
€15k▼
2024 · €22k
Income taxes
€15k▲
2024 · €11k
Staff costs
€73k▲
2024 · €50k
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€936k€956k▲
Fixed assets21/28€64k€51k▼
Tangible fixed assets22/27€58k€45k▼
Plant, machinery and equipment23€12k€7k▼
Furniture and vehicles24€42k€34k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€6k€6k=
Current assets29/58€871k€905k▲
Stocks and contracts in progress3€592k€525k▼
Stocks30/36€592k€525k▼
Amounts receivable within one year40/41€241k€308k▲
Trade receivables40€228k€253k▲
Other amounts receivable41€13k€55k▲
Cash at bank and in hand54/58€37k€69k▲
Deferred charges and accrued income490/1€942€3k▲
Equity and liabilities
Total equity and liabilities10/49€936k€956k▲
Equity10/15€464k€503k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€402k€441k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€396k€435k▲
Amounts payable17/49€472k€453k▼
Amounts payable after more than one year17€22k€15k▼
Financial debts170/4€22k€15k▼
Amounts payable within one year42/48€449k€434k▼
Current portion of amounts payable after more than one year42€26k€125k▲
Financial debts43€85k-
Credit institutions430/8€85k-
Trade debts44€170k€24k▼
Suppliers440/4€170k€24k▼
Advances received on contracts in progress46-€68k
Taxes, remuneration and social security45€18k€36k▲
Taxes450/3€14k€28k▲
Remuneration and social security454/9€4k€8k▲
Other amounts payable47/48€150k€180k▲
Accrued charges and deferred income492/3€525€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€50k€73k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€17k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€138k€157k▲
Operating profit (loss)9901€58k€64k▲
Financial income75/76B€1k€54▼
Recurring financial income75€359€54▼
Non-recurring financial income76B€826-
Financial charges65/66B€18k€10k▼
Recurring financial charges65€18k€10k▼
Profit (loss) for the period before taxes9903€41k€55k▲
Income taxes67/77€11k€15k▲
Profit (loss) for the period9904€30k€39k▲
Profit (loss) for the period to be appropriated9905€30k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€39k▲
Transfer to equity691/2€30k€39k▲
To other reserves6921€30k€39k▲
The notes to these accounts (10 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 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €39k ▲31.4%
Operating result €64k, net result €39k, both a record.
31-12
Financial
Equity above €500kEq €503k ▲8.5%
3 profitable years in a row build equity to €503k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
16-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 47 days late
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-743 ▼1185%
Net result drops to €-743, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Fléron · 1 establishment unit since 1993
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.
Rue Sainte-Barbe 94624 FléronGround area
2,070 m²
Building footprint
1,119 m²
Volume, LiDAR
7,399 m³
Parcel 62089A0770/00H003, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Churchill 30, 4624 Fléron
since 19932.059.875.964
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62089A0770/00H003 | Wallonia | 2,070 m² | 1 · 1,119 m² | 7.7 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.
Similar companies · same sector, comparable size
BERNARD WEBER
BE 0463.170.644
Etterbeek · Eq €499k
GESSO
BE 0401.481.713
Nivelles · Eq €535k
PUBLI LETTRAL
BE 0423.322.351
Ardooie · Eq €535k
DEMSTER
BE 0414.615.018
Lichtervelde · Eq €472k
STANDING ENGRAVING
BE 0436.342.028
Putte · Eq €541k
Of 916 companies in sector 32990 we hold annual accounts for 163. 106 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-11-1992
Fiscal year end31-12
Activities, NACEBEL
32990Other manufacturing not elsewhere classified
15110Manufacture of leather and related products
19100
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.