GACD is an insurance broker in Herve. Public Limited, started on 1 July 2020, 2 establishments.

What is the address of GACD?

The registered office of GACD is located at Rue de Verviers 68, 4651 Herve.

Is GACD still active?

Yes. According to the CBE (30 October 2026) GACD is active, legal situation “Normale toestand”, started on 1 July 2020.

Is GACD registered on Peppol?

Yes, GACD is registered on the Peppol network with ID 0208:0749658659.

What is the enterprise number of GACD?

The enterprise number of GACD is BE0749658659.

When was GACD founded?

GACD was founded on 1 July 2020.

Who are the directors of GACD?

According to the 2025 annual accounts, the directors of GACD are: F-GEST SRL, C-GEST SRL, CROLLE MANAGEMENT SRL, MR MANAGEMENT SRL, AB-GEST SRL.

Is GACD a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 1 July 2020; 5 annual accounts filed, latest fiscal year 2025; 5 directors known from the annual account; 2 establishments in the CBE.

How much profit did GACD make in 2025?

GACD posted a profit after taxes of € 17,097 in financial year 2025.

What is the revenue of GACD?

As a small company, GACD is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 1,097,739.

How much does an employee at GACD earn?

The average wage cost per full-time employee at GACD was € 52,500 in 2025: staff costs of € 556,159 for 10.6 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does GACD have?

According to the 2025 annual accounts, GACD has 10.6 full-time equivalents (FTE).

GACD (Public Limited) - Herve - BE0749658659

Dossier GACD, printed on 30 October 2026 from databakkes.be/en/0749658659/gacd. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

GACD from Herve, company number BE0749658659, closed financial year 2025 with a result of € 17,097 after tax. For that financial year GACD recorded a gross margin of € 1.1 million and equity of € 450,653. Compared with financial year 2024, the result moved from € 49,507 to € 17,097. The company is profitable. 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 21, 2026.

What it is worth Healthy

€ 450,653

▼ 7% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Healthy

€ 17,097

▼ 65% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 482,071

▲ 24% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 50,000 paid out

More than the year’s profit went to the shareholders; reserves fell.

People and assets in 2025

Full-time equivalents

10.6

▲ 1.5 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 556,159

▲ 11% vs 2024

€ 52,500 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.

Vehicles and equipment

€ 54,901

▼ 10% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt ≈ 5 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 1.8 million

▼ 12% vs 2024

€ 398,341 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 102,675

▲ 39% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 69,568

▲ 18% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 953,065 Gross margin 2022: € 953,065 First fiscal year in the series	€ 990,187 Gross margin 2023: € 990,187 ▲ 4% vs 2022 (€ 953,065) Favourable step	€ 1,052,206 Gross margin 2024: € 1,052,206 ▲ 6% vs 2023 (€ 990,187) Favourable step	€ 1,097,739 Gross margin 2025: € 1,097,739 ▲ 4% vs 2024 (€ 1,052,206) Favourable step	▲ 4%
Profit after taxes	€ 46,805 Profit after taxes 2022: € 46,805 First fiscal year in the series	€ 12,004 Profit after taxes 2023: € 12,004 ▼ 74% vs 2022 (€ 46,805) Unfavourable step	€ 49,507 Profit after taxes 2024: € 49,507 ▲ € 37,503 vs 2023 (€ 12,004) Favourable step	€ 17,097 Profit after taxes 2025: € 17,097 ▼ 65% vs 2024 (€ 49,507) Unfavourable step	▼ 65%
Equity	€ 447,045 Equity 2022: € 447,045 First fiscal year in the series	€ 434,049 Equity 2023: € 434,049 ▼ 3% vs 2022 (€ 447,045) Unfavourable step	€ 483,556 Equity 2024: € 483,556 ▲ 11% vs 2023 (€ 434,049) Favourable step	€ 450,653 Equity 2025: € 450,653 ▼ 7% vs 2024 (€ 483,556) Unfavourable step	▼ 7%
Total debts	€ 2,946,662 Total debts 2022: € 2,946,662 First fiscal year in the series	€ 2,580,073 Total debts 2023: € 2,580,073 ▼ 12% vs 2022 (€ 2,946,662) Favourable step	€ 2,236,208 Total debts 2024: € 2,236,208 ▼ 13% vs 2023 (€ 2,580,073) Favourable step	€ 2,069,539 Total debts 2025: € 2,069,539 ▼ 7% vs 2024 (€ 2,236,208) Favourable step	▼ 7%
Cash	€ 656,328 Cash 2022: € 656,328 First fiscal year in the series	€ 97,718 Cash 2023: € 97,718 ▼ 85% vs 2022 (€ 656,328) Unfavourable step	€ 390,269 Cash 2024: € 390,269 ▲ 299% vs 2023 (€ 97,718) Favourable step	€ 482,071 Cash 2025: € 482,071 ▲ 24% vs 2024 (€ 390,269) Favourable step	▲ 24%
Retained profit	€ 47,045 Retained profit 2022: € 47,045 First fiscal year in the series	€ 34,049 Retained profit 2023: € 34,049 ▼ 28% vs 2022 (€ 47,045) Unfavourable step	€ 83,556 Retained profit 2024: € 83,556 ▲ 145% vs 2023 (€ 34,049) Favourable step	€ 50,653 Retained profit 2025: € 50,653 ▼ 39% vs 2024 (€ 83,556) Unfavourable step	▼ 39%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 25,000 Dividend 2023: € 25,000 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 ▼ 100% vs 2023 (€ 25,000) Unchanged	€ 50,000 Dividend 2025: € 50,000 Unchanged (€ 0) Unchanged
Bank debt	€ 2,826,995 Bank debt 2022: € 2,826,995 First fiscal year in the series	€ 2,467,211 Bank debt 2023: € 2,467,211 ▼ 13% vs 2022 (€ 2,826,995) Favourable step	€ 2,103,682 Bank debt 2024: € 2,103,682 ▼ 15% vs 2023 (€ 2,467,211) Favourable step	€ 1,847,297 Bank debt 2025: € 1,847,297 ▼ 12% vs 2024 (€ 2,103,682) Favourable step	▼ 12%
Balance sheet total	€ 3,393,707 Balance sheet total 2022: € 3,393,707 First fiscal year in the series	€ 3,014,123 Balance sheet total 2023: € 3,014,123 ▼ 11% vs 2022 (€ 3,393,707) Unchanged	€ 2,719,763 Balance sheet total 2024: € 2,719,763 ▼ 10% vs 2023 (€ 3,014,123) Unchanged	€ 2,520,192 Balance sheet total 2025: € 2,520,192 ▼ 7% vs 2024 (€ 2,719,763) Unchanged	▼ 7%
Employees (FTE)	7.8 Employees (FTE) 2022: 7.8 First fiscal year in the series	9.3 Employees (FTE) 2023: 9.3 ▲ 1.5 vs 2022 (7.8) Unchanged	9.1 Employees (FTE) 2024: 9.1 ▼ 0.2 vs 2023 (9.3) Unchanged	10.6 Employees (FTE) 2025: 10.6 ▲ 1.5 vs 2024 (9.1) Unchanged	▲ 1.5

Key figures of GACD, 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 GACD?

What happened at GACD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 21, 2026 New annual accounts for financial year 2025: profit of € 17,097 (▼ 65% vs 2024). filed late Source: NBB ↗
Jul 1, 2020 New establishment in Herve. KBO
Jul 1, 2020 New establishment in Pepinster. KBO
Jul 1, 2020 Start of the company according to the CBE. KBO

In short

From € 46,805 profit in 2022 to € 17,097 profit in 2025.

Paid € 77,386 in corporate taxes since 2022.

Best year ever: 2024, with € 49,507 profit.

On average € 103,600 of value added per employee in 2025.

Original PDFs at the National Bank ↗

Management

MR MANAGEMENT 20%

CROLLÉ-MANAGEMENT 20%

F-GEST 20%

The stake of MR MANAGEMENT, CROLLÉ-MANAGEMENT, F-GEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.

GACD

Behind GACD are F-GEST SRL, C-GEST SRL, CROLLE MANAGEMENT SRL, MR MANAGEMENT SRL and AB-GEST SRL. The shares are held by MR MANAGEMENT (20%), CROLLÉ-MANAGEMENT (20%) and F-GEST (20%).