Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Figures corrected NBB
Corrected annual account filed for 2022.
Financials
Financial year 2025
L. GERARDI en ZN from Malle, company number BE0453118573, closed financial year 2025 with a result of € -165,521 after tax. For that financial year L. GERARDI en ZN recorded revenue of € 46 million and equity of € 1.4 million. Compared with financial year 2024, the result moved from € -64,012 to € -165,521. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 17, 2026.
€ 1.4 million
▼ 16% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -165,521
▼ 159 % more loss than in 2024
Profit after tax over the fiscal year.
€ 373,502
▲ € 362,387 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.3 million.
People and assets in 2025
1.6
▲ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 93,571
▲ 8% vs 2024
€ 58,500 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 3.4 million
▼ 19% vs 2024
€ 118,194 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 108,164
▼ 98% vs 2024
Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 1 days on average.
€ 9,746
▲ 225% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 94,125,026 | € 97,994,203 | € 77,571,461 | € 45,969,798 | ▼ 41% |
| Profit after taxes | € -481,512 | € -824,944 | € -64,012 | € -165,521 | ▼ € 101,510 |
| Equity | € 2,529,664 | € 1,704,720 | € 1,640,708 | € 1,375,187 | ▼ 16% |
| Total debts | € 11,648,129 | € 11,080,440 | € 9,121,505 | € 3,548,165 | ▼ 61% |
| Cash | € 135,106 | € 22,676 | € 11,115 | € 373,502 | ▲ € 362,387 |
| Land & buildings | € 1,497,332 | € 1,487,623 | € 1,477,929 | € 1,368,504 | ▼ 7% |
| Retained profit | € 2,367,664 | € 1,542,720 | € 1,478,708 | € 1,313,187 | ▼ 11% |
| Bank debt | € 5,556,381 | € 5,481,099 | € 4,215,782 | € 3,430,254 | ▼ 19% |
| Balance sheet total | € 14,177,793 | € 12,785,160 | € 10,762,213 | € 4,923,352 | ▼ 54% |
| Employees (FTE) | 1.7 | 2.1 | 1.4 | 1.6 | ▲ 0.2 |
Key figures of L. GERARDI en ZN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to L. GERARDI en ZN?
What happened at L. GERARDI en ZN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 165,521. filed late Source: NBB ↗
- JMM Investment & Management VOF became a director. NBB
- BCT VOF became a director. NBB
- GERARDI INVEST BV became a director. NBB
- GERARDI TOM BV became a director. NBB
- GERARDI FILIP BV became a director. NBB
- New establishment in Malle. KBO
- New establishment in Malle. KBO
In short
From € 481,512 loss in 2022 to € 165,521 loss in 2025.
Paid € 89,279 in corporate taxes since 2022.
Pays suppliers within 1 days on average.
A new publication or filing at L. GERARDI en ZN? We notify you, reason included.
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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
The stake of GERARDI INVEST, Gerardi Filip, GERARDI TOM comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
L. GERARDI en ZNBehind L. GERARDI en ZN are GERARDI INVEST BV, GERARDI TOM BV, GERARDI FILIP BV, JMM Investment & Management VOF and BCT VOF. The shares are held by GERARDI INVEST (51%), Gerardi Filip (24.5%) and GERARDI TOM (24.5%).
Directors
According to the 2025 annual accounts
Administrator-manager · represented by LEO GERARDI
since 2012
Administrator-manager · represented by TOM GERARDI
Also active at: VARKENSHANDEL VAN NIJLEN
since 2012
Administrator-manager · represented by FILIP GERARDI
Also active at: VARKENSHANDEL VAN NIJLEN
since 2012
JMM Investment & Management VOF
Administrator-manager · represented by Bart Teugels
since 2025
Administrator-manager · represented by Carla De Baerdemaeker
since 2025
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Schepersdijk 1
2390 Malle
Heidsiebaan 16B
2390 Malle
Active since 10 June 2010
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0453.118.573
- VAT number
- BE 0453.118.573
- Registered office
- Schepersdijk 1, 2390 Malle
- Names & denominations
- L. GERARDI en ZN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 8 July 1994
- Peppol
- Active · Active since 30 Oct 2023
- Activities · NACE
Groothandel in levend vee
Groothandel in levende dieren