Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 20 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
GARDI RAFFAELE from Manage, company number BE0430060881, closed financial year 2025 with a result of € 10,164 after tax. For that financial year GARDI RAFFAELE recorded a gross margin of € 243,983 and equity of € 172,984. Compared with financial year 2024, the result moved from € 23,502 to € 10,164. The company is profitable. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 24, 2026.
€ 172,984
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 10,164
▼ 57% vs 2024
Profit after tax over the fiscal year.
€ 27,760
▲ € 21,737 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 135,784.
People and assets in 2025
€ 171,640
▲ 3% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 17,861
▼ 17% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 360,526
▼ 12% vs 2024
€ 39,740 is repaid this year. At this pace the long-term loan is gone in ≈ 8 years.
€ 65,242
▼ 49% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 58,598
▲ 89% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 188,384 | € 188,551 | € 253,361 | € 243,983 | ▼ 4% |
| Profit after taxes | € -38,183 | € -4,337 | € 23,502 | € 10,164 | ▼ 57% |
| Equity | € 143,656 | € 139,319 | € 162,820 | € 172,984 | ▲ 6% |
| Total debts | € 662,177 | € 615,952 | € 639,272 | € 572,219 | ▼ 10% |
| Cash | € 30,088 | € 43,813 | € 6,023 | € 27,760 | ▲ € 21,737 |
| Land & buildings | € 467,440 | € 428,360 | € 400,255 | € 375,682 | ▼ 6% |
| Retained profit | € 106,456 | € 102,119 | € 125,620 | € 135,784 | ▲ 8% |
| Bank debt | € 516,590 | € 462,566 | € 409,580 | € 360,526 | ▼ 12% |
| Balance sheet total | € 805,832 | € 755,270 | € 802,093 | € 745,203 | ▼ 7% |
Key figures of GARDI RAFFAELE, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to GARDI RAFFAELE?
What happened at GARDI RAFFAELE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 10,164 (▼ 57% vs 2024). Source: NBB ↗
- New establishment in Manage. KBO
- LUIGI GARDI became a director. NBB
- New establishment in Manage. KBO
- Start of the company according to the CBE. KBO
In short
From € 38,183 loss in 2022 to € 10,164 profit in 2025.
Paid € 0 in corporate taxes since 2022.
Best year ever: 2024, with € 23,502 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
LUIGI GARDI
Director
since 2005
Establishments
Establishment units
Physical locations of this company
Rue de la Croyère 3
7170 Manage
Rue de la Croyère 10a
7170 Manage
Active since 25 January 2019
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Google Workspace
Hosting
OVH, FR
Website info
Features
Security
Network
Details
- Company number
- 0430.060.881
- VAT number
- BE 0430.060.881
- Registered office
- Rue de la Croyère 3, 7170 Manage
- Names & denominations
- GARDI RAFFAELE
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 December 1986
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- garagegardi.be
- Activities · NACE
Onderhoud en reparatie van auto's
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (<= 3,5 ton)
Algemeen onderhoud en reparatie van auto's en lichte bestelwagens (= 3,5 ton)
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in motorvoertuigen
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)