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 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Garage André GERARD et Fils from Libramont-Chevigny, company number BE0463628128, closed financial year 2025 with a result of € 41,258 after tax. For that financial year Garage André GERARD et Fils recorded a gross margin of € 835,202 and equity of € 759,282. Compared with financial year 2024, the result moved from € 94,894 to € 41,258. 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 27, 2026.
€ 759,282
▲ 6% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 41,258
▼ 57% vs 2024
Profit after tax over the fiscal year.
€ 43,958
▲ 17% 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 € 734,493.
People and assets in 2025
11.1
▼ 1.3 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 639,575
▼ 9% vs 2024
€ 57,600 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.
€ 1,065
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 431,370
▼ 4% vs 2024
€ 30,835 is repaid this year. At this pace the long-term loan is gone in ≈ 4 years.
€ 1.8 million
▲ 95% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 76,038
▼ 51% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 957,756 | € 951,832 | € 1,105,997 | € 835,202 | ▼ 24% |
| Profit after taxes | € 106,454 | € 66,115 | € 94,894 | € 41,258 | ▼ 57% |
| Equity | € 557,017 | € 623,131 | € 718,025 | € 759,282 | ▲ 6% |
| Total debts | € 2,090,355 | € 3,150,249 | € 1,564,160 | € 2,359,205 | ▲ 51% |
| Cash | € 179,359 | € 51,666 | € 37,683 | € 43,958 | ▲ 17% |
| Land & buildings | € 361,428 | € 313,626 | € 265,823 | € 231,551 | ▼ 13% |
| Retained profit | € 532,227 | € 598,342 | € 693,235 | € 734,493 | ▲ 6% |
| Bank debt | € 752,205 | € 607,280 | € 449,473 | € 431,370 | ▼ 4% |
| Balance sheet total | € 2,647,372 | € 3,773,380 | € 2,282,185 | € 3,118,487 | ▲ 37% |
| Employees (FTE) | 10.6 | 10.9 | 12.4 | 11.1 | ▼ 1.3 |
Key figures of Garage André GERARD et Fils, 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 Garage André GERARD et Fils?
What happened at Garage André GERARD et Fils in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 41,258 (▼ 57% vs 2024). Source: NBB ↗
- New establishment in Bastogne. KBO
- Stéphane GERARD became a director. NBB
- Pascal GERARD became a director. NBB
- New establishment in Libramont-Chevigny. KBO
- Start of the company according to the CBE. KBO
In short
From € 106,454 profit in 2022 to € 41,258 profit in 2025.
Paid € 108,935 in corporate taxes since 2022.
Best year ever: 2022, with € 106,454 profit.
On average € 75,200 of value added per employee in 2025.
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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
Behind Garage André GERARD et Fils are Stéphane GERARD and Pascal GERARD. Stéphane GERARD is also behind GARAGE GERARD EBLY.
Directors
According to the 2025 annual accounts
since 2004
Pascal GERARD
Director
since 2004
Establishments
Establishment units
Physical locations of this company
Neuvillers,Rue de Grandvoir 2 box A
6800 Libramont-Chevigny
Neuvillers,Rue de Grandvoir 2a
6800 Libramont-Chevigny
Active since 14 October 1998
Rue de Marche 73
6600 Bastogne
Active since 1 September 2017
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0463.628.128
- VAT number
- BE 0463.628.128
- Registered office
- Neuvillers,Rue de Grandvoir 2 bus A, 6800 Libramont-Chevigny
- Names & denominations
- Garage André GERARD et Fils
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 23 June 1998
- Peppol
- Active · Active since 17 Dec 2025
- Activities · NACE
Detailhandel in auto's en lichte bestelwagens (<= 3,5 ton)
Detailhandel in motorvoertuigen
Onderhoud en reparatie van auto's
Detailhandel in auto's en lichte bestelwagens (= 3,5 ton)
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)