Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
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 2024.
Financials
Financial year 2025
GROUP GERARD from Lubbeek, company number BE0792366472, closed financial year 2025 with a result of € -157,041 after tax. For that financial year GROUP GERARD recorded a gross margin of € -72,438 and equity of € 125,130. Compared with financial year 2024, the result moved from € -124,628 to € -157,041. The company made a loss. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 18, 2026.
€ 125,130
▲ € 155,190 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -157,041
▼ 26 % more loss than in 2024
Profit after tax over the fiscal year.
€ 218,256
▲ € 189,809 vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -353,891.
People and assets in 2025
€ 27,559
▼ 12% 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.
€ 40,719
▼ 25% vs 2024
Of which on lease € 33,782.
Debts at end 2025
€ 138,381
▼ 8% vs 2024
€ 12,999 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 108,886
▲ € 87,604 vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € -63,163 | € -71,931 | € -72,438 | ▼ € 507 |
| Profit after taxes | € -72,222 | € -124,628 | € -157,041 | ▼ € 32,412 |
| Equity | € 94,568 | € -30,060 | € 125,130 | ▲ € 155,190 |
| Total debts | € 46,238 | € 184,047 | € 289,748 | ▲ 57% |
| Cash | € 49,190 | € 28,447 | € 218,256 | ▲ € 189,809 |
| Retained profit | € -72,222 | € -196,850 | € -353,891 | ▼ € 157,041 |
| Bank debt | € 26,274 | € 150,846 | € 138,381 | ▼ 8% |
| Balance sheet total | € 140,806 | € 153,987 | € 414,878 | ▲ 169% |
Key figures of GROUP GERARD, fiscal years 2023 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 GROUP GERARD?
What happened at GROUP GERARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 157,041. filed late Source: NBB ↗
- KASPO BV became a director. NBB
- Philippe Bossens became a director. NBB
- New establishment in Brussel. KBO
- New establishment in Lubbeek. KBO
- Marion Waterkeyn became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 72,222 loss in 2023 to € 157,041 loss in 2025.
A new publication or filing at GROUP GERARD? 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 LA LORRAINE BAKERY GROUP comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
GROUP GERARDBehind GROUP GERARD are Marion Waterkeyn, KASPO BV, Cemath Consult Besloten vennootschap and Philippe Bossens. The shares are held by LA LORRAINE BAKERY GROUP (25%).
Directors
According to the 2025 annual accounts
Marion Waterkeyn
Director
since 2022
Director · represented by Anton Schellekens
since 2024
Cemath Consult Besloten vennootschap
Director · represented by Hans Degrande
Also active at: Immaura, SINSA, BLAUWE TOREN, Immo W & W, Souterrain, BEST BRIDGES, ROCIUS RETAIL, The French Kiss Club +8 more
Philippe Bossens
Administrator-manager
since 2024
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Prinsendreef(LIN) 14
3210 Lubbeek
Spaarbekkenstraat 6 box B
1130 Brussel
Active since 23 February 2023
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0792.366.472
- VAT number
- BE 0792.366.472
- Registered office
- Prinsendreef(LIN) 14, 3210 Lubbeek
- Names & denominations
- GROUP GERARD · GERARD BAKERY
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 October 2022
- Peppol
- Active · Active since 2 Sept 2023
- Activities · NACE
Vervaardiging van beschuit, biscuit en houdbaar banketbakkerswerk
Overige niet-gespecialiseerde detailhandel
Detailhandel via postorderbedrijven of via internet
Catering van evenementen
Groothandel in andere voedingsmiddelen, neg
Overige dienstverlenende activiteiten op het gebied van informatie
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Detailhandel in brood en banketbakkerswerk (koude bakkers)
+1