ACTIVE

GACD

Financial year 2025 · closed on 31/12/2025
Net result
17,1 k €
-65.5% YoY
Gross margin
1,1 M €
+4.3% YoY
Equity
450,7 k €
-6.8% YoY
Workforce
10,6 ETP
+16.5% YoY

What does GACD do?

GACD is a Public limited company incorporated in 2020. Its main activity is: Activities of insurance agents and brokers. Its registered office is in Herve. It employs on average 10,6 ETP workers (FTE).

Legal situation
Normal situation
BCE/KBO no. / VAT
BE 0749.658.659
Incorporation
01/07/2020
Legal form
Public limited company
Registered office
Rue de Verviers 68
4651 Herve · WallonieSee on map
Contributed capital
400 000,00 €
Latest accounts
31/12/2025
Average workforce
10,6 ETP
Joint committees (1)
  • 307
Signals
ProfitableGood liquidityPositive cashflowPositive EBITDAHealthy social debts
Health score
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Recommended credit limit
✦ Verdict · Analyst summary
Financials

Trend over 5 financial years

20252024202320222021
Income statement
Gross margin1,1 M €1,1 M €990,2 k €953,1 k €1,1 M €
EBITDA534,3 k €550,2 k €543,3 k €583 k €647,8 k €
Operating result52,6 k €89 k €63,8 k €108,1 k €54,3 k €
Net result17,1 k €49,5 k €12 k €46,8 k €240,8 €
Balance sheet
Equity450,7 k €483,6 k €434 k €447 k €400,2 k €
Total assets2,5 M €2,7 M €3 M €3,4 M €3,6 M €
Cash482,1 k €390,3 k €97,7 k €656,3 k €435,9 k €
Debts2,1 M €2,2 M €2,6 M €2,9 M €3,2 M €
Other
Workforce10,6 ETP9,1 ETP9,3 ETP7,8 ETP8,3 ETP
Estimate

Indicative valuation

As an indication, this company is worth

between 500 k€ and 1 M€
See the valuation
Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 6 ended

Active mandates

AB-GEST

Director · 0538.667.724

Represented by Amaury BIELEN

Active
C-GEST

Director · 0538.665.150

Represented by François CARPENTIER

Active
CROLLÉ-MANAGEMENT

Director · 0533.830.392

Represented by Philippe CHARLIER

Active
F-GEST

Director · 0538.680.095

Represented by Johan FERRETTI

Active
MR MANAGEMENT

Director · 0748.881.570

Represented by Amaury BIELEN

Active

Ended mandates

AB-GEST

Managing director · 0538.667.724

Represented by Amaury BIELEN

Ended
C-GEST

Managing director · 0538.665.150

Represented by François CARPENTIER

Ended
CROLLÉ-MANAGEMENT

Managing director · 0533.830.392

Represented by Philippe CHARLIER

Ended
F-GEST

Managing director · 0538.680.095

Represented by Johan FERRETTI

Ended
At this address

Other companies at this address

CompanyCBE no.
0773.439.891
GBCDActive
0749.658.758
Annual accounts

Full financial information

20252024202320222021
Type of accountAbridged modelAbridged modelAbridged modelAbridged modelAbridged model
Start of the financial year01/01/202501/01/202401/01/202301/01/202201/07/2020
Closing of the financial year31/12/202531/12/202431/12/202331/12/202231/12/2021
Length of the financial year12 months12 months12 months12 months18 months
Filing date21/08/202626/06/202501/07/202426/07/202323/08/2022
General meeting04/05/202605/05/202514/06/202402/05/202330/06/2022
Currency of the financial yearEUREUREUREUREUR
NBB quality labelSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controlsSatisfying controls
Ratios

Financial ratios

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Filings

Annual accounts filings

5 filings with the NBB

ModelClosingGeneral meetingFiledLanguageDocument
Abridged model31/12/202504/05/202621/08/2026FrenchPDF
Abridged model31/12/202405/05/202526/06/2025FrenchPDF
Abridged model31/12/202314/06/202401/07/2024FrenchPDF
Abridged model31/12/202202/05/202326/07/2023FrenchPDF
Abridged model31/12/202130/06/202223/08/2022FrenchPDF
Estimate

Indicative valuation

Order of magnitude

As an indication, this company is worth

between 500 k€ and 1 M€

The detail comes with the Business plan: low and high bounds, the valuation bridge for each financial year, transaction multiples by sector and size, group valuation and exports.

Discover the Business plan
Disclaimer

Indicative estimate based on public sector multiples and the filed annual accounts. It is neither a certified valuation nor financial or investment advice.

Governance

Board of directors

Seen on filing of 31/12/2025 · 5 active · 6 ended

Active mandates

AB-GEST

Director · 0538.667.724

Represented by Amaury BIELEN

Active
C-GEST

Director · 0538.665.150

Represented by François CARPENTIER

Active
CROLLÉ-MANAGEMENT

Director · 0533.830.392

Represented by Philippe CHARLIER

Active
F-GEST

Director · 0538.680.095

Represented by Johan FERRETTI

Active
MR MANAGEMENT

Director · 0748.881.570

Represented by Amaury BIELEN

Active

Ended mandates

AB-GEST

Managing director · 0538.667.724

Represented by Amaury BIELEN

Ended
C-GEST

Managing director · 0538.665.150

Represented by François CARPENTIER

Ended
CROLLÉ-MANAGEMENT

Managing director · 0533.830.392

Represented by Philippe CHARLIER

Ended
F-GEST

Managing director · 0538.680.095

Represented by Johan FERRETTI

Ended
Shareholders

Ownership and network

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Belgian Official Gazette

Belgian Official Gazette publications

  • Other03/07/2020
    RUBRIQUE CONSTITUTION (NOUVELLE PERSONNE MORALE, OUVERTURE SUCCURSALE, ETC...)
    PDF

Source: Belgian Official Gazette

Competition

Similar companies

A company's peers, by sector and size, are included in the Business plan.

See the Business plan

Timeline

  1. 2025
    Annual accounts 202517,1 k €
  2. 2024
    Annual accounts 202449,5 k €
  3. 2023
    Annual accounts 202312 k €
  4. 2022
    Annual accounts 202246,8 k €
  5. 2021
    Annual accounts 2021240,8 €
  6. 01/07/2020
    IncorporationPublic limited company