BE.AN
ActiveSummary
The computed 12-month bankruptcy probability of BE.AN is 1.7% (moderate). The 2025 annual accounts show negative equity (-€111,203) and a net result of €48,487. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 10% of 13683 sector peers (fiscal year 2025). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.3 against 0.23 in 2024; short-term debt: 201.9% and cash: 4.8% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-109.6%
Return on assets
47.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 13683 sector peers (2025).
NBB · sector comparisonPosition among 13683 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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
19 d late
2024
29 d late
2023
29 d late
2022
43 d late
2021
31 d late
2020
152 d late
2019
91 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 56 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 30 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
-€111,203▲ 30.4%
2024 · -€159,690
Total assets
€101,471▲ 6.7%
2024 · €95,062
Net result
€48,487
2024 · -€41,970
Working capital
-€143,909▲ 11.8%
2024 · -€163,163
Trend over the years
In euros
In per cent
Ratio
In full-time equivalents (FTE)
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
In full-time equivalents (FTE)
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€129,841▲ 67.1%-€60,594-€14,988▲ 75.3%-€33,620▼ 124%€59,623
Net result€128,744above the sector's middle half▲ 55.7%-€68,145below the sector's middle half-€20,067below the sector's middle half▲ 70.6%-€41,970below the sector's middle half▼ 109%€48,487above the sector's middle half
Equity-€29,508below the sector's middle half▲ 81.4%-€97,653below the sector's middle half▼ 231%-€117,720below the sector's middle half▼ 20.5%-€159,690below the sector's middle half▼ 35.7%-€111,203below the sector's middle half▲ 30.4%
Total assets€145,720within the sector's middle half▼ 25.2%€144,298within the sector's middle half▼ 1.0%€118,618within the sector's middle half▼ 17.8%€95,062within the sector's middle half▼ 19.9%€101,471within the sector's middle half▲ 6.7%
Debt€175,228▼ 50.4%€241,951▲ 38.1%€236,338▼ 2.3%€254,752▲ 7.8%€212,674▼ 16.5%
Working capital€66,559above the sector's middle half-€101,560below the sector's middle half-€163,457below the sector's middle half▼ 60.9%-€163,163below the sector's middle half▲ 0.2%-€143,909below the sector's middle half▲ 11.8%
Solvency-20.2%below the sector's middle half▲ 61.0pp-67.7%below the sector's middle half▼ 47.4pp-99.2%below the sector's middle half▼ 31.6pp-168.0%below the sector's middle half▼ 68.7pp-109.6%below the sector's middle half▲ 58.4pp
Current ratio2.49above the sector's middle half▲ 1.500.41below the sector's middle half▼ 2.080.27below the sector's middle half▼ 0.140.23below the sector's middle half▼ 0.040.30below the sector's middle half▲ 0.07
Return on assets (ROA)88.4%above the sector's middle half▲ 45.9pp-47.2%below the sector's middle half▼ 135.6pp-16.9%below the sector's middle half▲ 30.3pp-44.1%below the sector's middle half▼ 27.2pp47.8%above the sector's middle half▲ 91.9pp
Staff (FTE)5.7▲ 29.5%8.2▲ 43.9%9.1▲ 11.0%9.1=11.9▲ 30.8%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €59,623 after a loss of €33,620 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101,471
Fixed assets
€40,486 ▼ 12.6%
Current assets
€60,985 ▲ 25.1%
Key figures and ratios
EBITDA
€72,244▲
2024 · -€18,652
Cash flow
€61,108▲
2024 · -€27,001
Quick ratio
0.19▲
2024 · 0.10
Debt to equity
-1.91▼
2024 · -1.60
Interest coverage
7.72▲
2024 · -2.07
Debt ≤ 1 year
€204,894▼
2024 · €211,918
Debt > 1 year
€7,780▼
2024 · €42,834
Income taxes
€1,942▲
2024 · €788
Staff costs
€211,878▼
2024 · €230,893
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 317 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 92% are still going.
- Small
- 20 years or older
- negative equity
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
4.1%
stopped otherwise
92%
still going
A further 2.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 317 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €116,355 | €219,253 | €245,284 | €230,893 | €211,878 | ▼ 8.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16,494 | €20,791 | €15,668 | €14,968 | €12,621 | ▼ 15.7% |
| Other operating charges640/8 | €1,825 | €2,036 | €2,413 | €1,512 | €1,376 | ▼ 9.0% |
| Non-recurring operating charges66A | - | - | €29,515 | €0 | - | - |
| Gross operating margin9900 | €264,514 | €181,486 | €277,892 | €213,753 | €285,498 | ▲ 33.6% |
| Operating profit (loss)9901 | €129,841 | -€60,594 | -€14,988 | -€33,620 | €59,623 | ▲ 277% |
| Financial income75/76B | €4,074 | €80 | €200 | €1,433 | €168 | ▼ 88.3% |
| Recurring financial income75 | €4,074 | €80 | €200 | €1,433 | €168 | ▼ 88.3% |
| Financial charges65/66B | €4,575 | €6,909 | €4,503 | €8,994 | €9,360 | ▲ 4.1% |
| Recurring financial charges65 | €4,575 | €6,909 | €4,503 | €8,994 | €9,360 | ▲ 4.1% |
| Profit (loss) for the period before taxes9903 | €129,340 | -€67,424 | -€19,291 | -€41,181 | €50,430 | ▲ 222% |
| Income taxes67/77 | €596 | €722 | €776 | €788 | €1,942 | ▲ 146% |
| Profit (loss) for the period9904 | €128,744 | -€68,145 | -€20,067 | -€41,970 | €48,487 | ▲ 216% |
| Profit (loss) for the period to be appropriated9905 | €128,744 | -€68,145 | -€20,067 | -€41,970 | €48,487 | ▲ 216% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €145,720 | €144,298 | €118,618 | €95,062 | €101,471 | ▲ 6.7% |
| Fixed assets21/28 | €34,467 | €73,288 | €57,620 | €46,308 | €40,486 | ▼ 12.6% |
| Intangible fixed assets21 | €0 | - | - | - | - | - |
| Tangible fixed assets22/27 | €34,467 | €73,288 | €57,620 | €46,308 | €40,486 | ▼ 12.6% |
| Land and buildings22 | €8,566 | €7,566 | €6,566 | €5,566 | €4,566 | ▼ 18.0% |
| Plant, machinery and equipment23 | €13,765 | €4,040 | €3,119 | €2,516 | €1,913 | ▼ 24.0% |
| Furniture and vehicles24 | €1,804 | €28,184 | €17,969 | €11,790 | €4,604 | ▼ 60.9% |
| Other tangible fixed assets26 | €10,333 | €33,498 | €29,967 | €26,436 | €29,403 | ▲ 11.2% |
| Current assets29/58 | €111,253 | €71,010 | €60,998 | €48,755 | €60,985 | ▲ 25.1% |
| Stocks and contracts in progress3 | €36,479 | €33,203 | €27,736 | €28,258 | €22,286 | ▼ 21.1% |
| Stocks30/36 | €36,479 | €33,203 | €27,736 | €28,258 | €22,286 | ▼ 21.1% |
| Amounts receivable within one year40/41 | €38,713 | €33,047 | €31,831 | €16,277 | €33,795 | ▲ 108% |
| Trade receivables40 | €38,611 | €32,945 | €31,817 | €16,029 | €33,769 | ▲ 111% |
| Other amounts receivable41 | €102 | €102 | €14 | €249 | €26 | ▼ 89.5% |
| Cash at bank and in hand54/58 | €36,061 | €4,760 | €1,430 | €2,577 | €4,904 | ▲ 90.3% |
| Deferred charges and accrued income490/1 | €0 | - | - | €1,642 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €145,720 | €144,298 | €118,618 | €95,062 | €101,471 | ▲ 6.7% |
| Equity10/15 | -€29,508 | -€97,653 | -€117,720 | -€159,690 | -€111,203 | ▲ 30.4% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Profit (loss) carried forward14 | -€35,708 | -€103,853 | -€123,920 | -€165,890 | -€117,403 | ▲ 29.2% |
| Amounts payable17/49 | €175,228 | €241,951 | €236,338 | €254,752 | €212,674 | ▼ 16.5% |
| Amounts payable after more than one year17 | €130,535 | €69,381 | €11,883 | €42,834 | €7,780 | ▼ 81.8% |
| Financial debts170/4 | €28,930 | €25,522 | €5,075 | €25,301 | €7,780 | ▼ 69.2% |
| Other amounts payable178/9 | €101,604 | €43,859 | €6,809 | €17,533 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €44,694 | €172,570 | €224,454 | €211,918 | €204,894 | ▼ 3.3% |
| Current portion of amounts payable after more than one year42 | €15,966 | €25,277 | €20,447 | €21,082 | €17,520 | ▼ 16.9% |
| Financial debts43 | €0 | €1,155 | €6,310 | €6,741 | €18,545 | ▲ 175% |
| Credit institutions430/8 | €0 | €1,155 | €6,310 | €6,741 | €18,545 | ▲ 175% |
| Trade debts44 | €937 | €110,299 | €140,377 | €126,879 | €86,211 | ▼ 32.1% |
| Suppliers440/4 | €937 | €110,299 | €140,377 | €126,879 | €86,211 | ▼ 32.1% |
| Advances received on contracts in progress46 | - | - | - | - | €14,247 | - |
| Taxes, remuneration and social security45 | €20,855 | €28,904 | €52,385 | €50,280 | €60,732 | ▲ 20.8% |
| Taxes450/3 | €706 | €6,266 | €16,499 | €6,896 | €18,677 | ▲ 171% |
| Remuneration and social security454/9 | €20,150 | €22,638 | €35,886 | €43,384 | €42,056 | ▼ 3.1% |
| Other amounts payable47/48 | €6,935 | €6,935 | €4,935 | €6,935 | €7,638 | ▲ 10.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €128,744 | -€68,145 | -€20,067 | -€41,970 | €48,487 | ▲ 216% |
| + Depreciation and write-downs630 | €16,494 | €20,791 | €15,668 | €14,968 | €12,621 | ▼ 15.7% |
| Operating cash flow (approximation) | €145,238 | -€47,354 | -€4,399 | -€27,001 | €61,108 | ▲ 326% |
| Investment in fixed assets (approximation) | - | -€59,611 | €0 | -€3,656 | -€6,800 | ▼ 86.0% |
| Change in cash | - | -€31,301 | -€3,330 | €1,147 | €2,327 | ▲ 103% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Back to profitnet €48,487
Net result €48,487 after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 43 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €128,744 ▲55.7%
Operating result €129,841, net result €128,744, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.49
Current ratio from 0.99 to 2.49; short-term debt falls from €151,720 to €44,694.
30-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 152 days late
2020
31-12
Financial
Back to profitnet €82,710
Net result €82,710 after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Waregem · 1 establishment unit since 2018
Ground area
7.4 ha
Building footprint
48 m²
Parcel 34040C1378/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Bistro Berto
since 20182.278.485.062
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34040C1378/00W000 | Flanders | 7.4 ha | 1 · 48 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteWaregem2.278.485.062
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 20,509 companies in sector 56111 we hold annual accounts for 11,467. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded18-11-2005
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0877341640
Also
9925:BE0877341640
Registered
04-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.