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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Tight liquidity NBB
Cash and receivables cover 13 % of short-term debt in 2025; threshold 65 %.
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Busy address KBO
19 other companies have their registered office at the same address; threshold 10.
Financials
Financial year 2025
GERARD & ALTERMAN from Brussel, company number BE0844119734, closed financial year 2025 with a result of € 116,476 after tax. For that financial year GERARD & ALTERMAN recorded a gross margin of € 353,028 and equity of € 47,605. Compared with financial year 2024, the result moved from € 3,410 to € 116,476. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on December 18, 2025.
€ 47,605
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 116,476
▲ € 113,066 vs 2024
Profit after tax over the fiscal year.
€ 18,229
▼ 47% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 116,191 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
€ 169,928
▼ 4% 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.
€ 2,486
▼ 26% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 434,363
▼ 29% vs 2024
€ 11,252 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 14,940
▼ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,463
▼ 24% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 185,101 | € 219,055 | € 278,514 | € 353,028 | ▲ 27% |
| Profit after taxes | € 2,814 | € 68,253 | € 3,410 | € 116,476 | ▲ € 113,066 |
| Equity | € 54,970 | € 55,223 | € 44,505 | € 47,605 | ▲ 7% |
| Total debts | € 347,276 | € 345,691 | € 728,534 | € 659,464 | ▼ 9% |
| Cash | € 153,818 | € 35,858 | € 34,233 | € 18,229 | ▼ 47% |
| Land & buildings | € 212,299 | € 197,988 | € 670,278 | € 642,577 | ▼ 4% |
| Retained profit | € 48,770 | € 49,023 | € 38,305 | € 38,590 | ▲ 1% |
| Dividend | € 0 | € 68,000 | € 14,127 | € 116,191 | ▲ € 102,064 |
| Bank debt | € 238,069 | € 202,852 | € 609,648 | € 434,363 | ▼ 29% |
| Balance sheet total | € 402,245 | € 400,914 | € 773,039 | € 708,007 | ▼ 8% |
Key figures of GERARD & ALTERMAN, 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 January 2027.
What happened to GERARD & ALTERMAN?
What happened at GERARD & ALTERMAN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 116,476 (▲ € 113,066 vs 2024). Source: NBB ↗
- New establishment in Watermaal-Bosvoorde. KBO
- Start of the company according to the CBE. KBO
In short
From € 2,814 profit in 2022 to € 116,476 profit in 2025.
Paid € 17,056 in corporate taxes since 2022.
Best year ever: 2025, with € 116,476 profit.
Paid out € 198,318 in dividends to the owners in total.
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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 GERARD & ALTERMAN are JACKMAN SRL SRL and GELILI SRL SRL. GELILI SRL SRL is also behind COUPLET SUGARS and Couplet Holding.
Directors
According to the 2025 annual accounts
Director · represented by Benoit Alterman
Director · represented by Michaël Gérard
Also active at: COUPLET SUGARS, Couplet Holding
Establishments
Establishment units
Physical locations of this company
Franklin Rooseveltlaan 143 box 15
1050 Brussel
Bosrechterstraat 50
1170 Watermaal-Bosvoorde
Active since 2 March 2012
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 19 companies are registered at this address.
All companies at this address →Sitour
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€ 33,650 revenue · 2025
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€ 14,544 gross margin · 2025
SUNLAND
+14 more
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
Self-hosted
Hosting
COMBELL-AS, BE
DNS
Cloudflare DNS
Website info
Features
Security
Details
- Company number
- 0844.119.734
- VAT number
- BE 0844.119.734
- Registered office
- Franklin Rooseveltlaan 143 bus 15, 1050 Brussel
- Names & denominations
- GERARD & ALTERMAN
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 March 2012
- Peppol
- Active · Active since 18 Mar 2025
- Contact
- gerardalterman.be
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Rechtstreekse verzekeringsverrichtingen leven
Herverzekering
Rechtstreekse verzekeringsverrichtingen niet-leven
Activiteiten van gemengde verzekeringsondernemingen, overwegend niet-leven
Activiteiten van gemengde verzekeringsondernemingen, overwegend leven