alain berteau
Activealain berteau has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €12k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 20% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+4
Solvency43▼-23
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.6 in 2024; short-term debt: 81.8% and cash: 3.1% of total assets), and 81.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 9450 sector peers (2025).
NBB · sector comparisonPosition among 9450 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
27 d late
2023
27 d late
2022
19 d late
2021
30 d late
2020
2 d early
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▼ 24.2%
2024 · €74k
2019: €68k
2020: €86k
2021: €86k
2022: €84k
2023: €122k
2024: €74k
2019 → 2025
Total assets
€306k▲ 72.4%
2024 · €178k
2019: €88k
2020: €159k
2021: €231k
2022: €256k
2023: €248k
2024: €178k
2019 → 2025
Net result
€12k▲ 679%
2024 · €2k
2019: €11k
2020: €19k
2021: €596
2022: €-2k
2023: €33k
2024: €2k
2019 → 2025
Working capital
€36k▼ 42.9%
2024 · €63k
2019: €61k
2020: €76k
2021: €68k
2022: €68k
2023: €109k
2024: €63k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€84k▼ 3.0%€122k▲ 45.7%€74k▼ 39.6%€56k▼ 24.2%
Operating result€2k-€57▼ 97.4%€46k▲ 80,772%€3k▼ 92.5%€18k▲ 410%
Net result€596-€-2k€33k€2k▼ 95.2%€12k▲ 679%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 410% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €306k
Fixed assets
€20k▲ 81.6%
Current assets
€286k▲ 71.7%
Equity and liabilities €306k
Equity
€56k▼ 24.2%
Debt
€251k▲ 141%
The debt ratio rises from 58.6% to 81.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26k▲
2024 · €9k
Cash flow
€20k▲
2024 · €7k
Solvency
18.2%▼
2024 · 41.4%
Current ratio
1.14▼
2024 · 1.60
Quick ratio
1.14▼
2024 · 1.60
Debt / equity
4.49▲
2024 · 1.41
ROE
21.9%▲
2024 · 2.1%
ROA
4.0%▲
2024 · 0.9%
Interest coverage
31.54▲
2024 · 12.65
Debt
€251k▲
2024 · €104k
Debt ≤ 1 year
€251k▲
2024 · €104k
Income taxes
€5k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€178k€306k▲
Fixed assets21/28€11k€20k▲
Tangible fixed assets22/27€11k€20k▲
Plant, machinery and equipment23€2k€728▼
Furniture and vehicles24€9k€19k▲
Financial fixed assets28€54€54=
Current assets29/58€167k€286k▲
Amounts receivable after more than one year29€5k€700▼
Other amounts receivable291€5k€700▼
Amounts receivable within one year40/41€158k€276k▲
Trade receivables40€149k€262k▲
Other amounts receivable41€10k€14k▲
Cash at bank and in hand54/58€3k€9k▲
Deferred charges and accrued income490/1€89-
Equity and liabilities
Total equity and liabilities10/49€178k€306k▲
Equity10/15€74k€56k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€53k€35k▼
Amounts payable17/49€104k€251k▲
Amounts payable within one year42/48€104k€251k▲
Trade debts44€18k€85k▲
Suppliers440/4€18k€85k▲
Advances received on contracts in progress46€31k€136k▲
Taxes, remuneration and social security45€5k-
Taxes450/3€5k-
Other amounts payable47/48€50k€30k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€530€159▼
Gross operating margin9900€10k€26k▲
Operating profit (loss)9901€3k€18k▲
Financial income75/76B€90€102▲
Recurring financial income75€90€102▲
Financial charges65/66B€734€816▲
Recurring financial charges65€734€816▲
Profit (loss) for the period before taxes9903€3k€17k▲
Income taxes67/77€1k€5k▲
Profit (loss) for the period9904€2k€12k▲
Profit (loss) for the period to be appropriated9905€2k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€65k▼
Profit (loss) brought forward from the previous period14P€102k€53k▼
Profit to be distributed694/7€50k€30k▼
Return on contributions (dividend)694€50k€30k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
31-03
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
31-03
Financial
Equity above €100kEq €122k ▲45.7%
Equity rises from €84k to €122k.
2022
19-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
31-03
Financial
Weakest financial yearnet €-2k ▼397%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2016
29-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2014
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Belle Alliancelaan 11000 BrusselGround area
1,090 m²
Building footprint
220 m²
Volume, LiDAR
5,577 m³
Parcel 21822R0267/00G004, Brussels · tallest building 29.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Alain Berteau
since 20142.237.523.843
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0267/00G004 ProtectedSite or landscapeTer Kamerenbos |
Brussels | 1,090 m² | 1 · 220 m² | 29.9 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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Of 18,255 companies in sector 71111 we hold annual accounts for 6,321. 5,381 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-12-2014
Fiscal year end31-03
Activities, NACEBEL
71111Activities of building architects
71113Urban planning and landscape architecture
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.