BEARDITTI
ActiveSummary
BEARDITTI has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (-€20,027) and a net result of -€35,909. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 15869 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-70
Solvency7▼-30
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.83 against 1.09 in 2023; short-term debt: 117.7% and cash: 0.5% of total assets), and equity is negative.
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Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk
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 2024Solvency, return and age of the figures
Solvency
-17.7%
Return on assets
-31.7%
Age of the figures
21 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
1821222324
2018 to 2024 · latest year -€20,027
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-02-2026, 201 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
201 d late
2023
81 d early
2022
78 d late
2021
428 d late
2020
139 d late
2019
88 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 142 days after the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€35,909
2023 · €1,022
Working capital
-€22,638
2023 · €10,717
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
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 46, Wholesale trade, 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).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result-€265-€5,120▼ 1,832%€2,477-€35,004
Net result-€2,633within the sector's middle half--€337below the sector's middle half▲ 87.2%-€9,285below the sector's middle half▼ 2,655%€1,022below the sector's middle half-€35,909below the sector's middle half
Equity€24,146below the sector's middle half€14,860below the sector's middle half▼ 38.5%€15,882below the sector's middle half▲ 6.9%-€20,027below the sector's middle half
Total assets€211,353within the sector's middle half-€230,968below the sector's middle half▲ 9.3%€132,401below the sector's middle half▼ 42.7%€131,150below the sector's middle half▼ 0.9%€113,396within the sector's middle half▼ 13.5%
Debt€186,870-€206,822▲ 10.7%€117,541▼ 43.2%€115,268▼ 1.9%€133,423▲ 15.8%
Working capital€12,007below the sector's middle half€6,878below the sector's middle half▼ 42.7%€10,717below the sector's middle half▲ 55.8%-€22,638below the sector's middle half
Solvency10.5%below the sector's middle half11.2%below the sector's middle half▲ 0.8pp12.1%below the sector's middle half▲ 0.9pp-17.7%below the sector's middle half▼ 29.8pp
Current ratio1.06below the sector's middle half1.06below the sector's middle half=1.09below the sector's middle half▲ 0.030.83below the sector's middle half▼ 0.26
Return on assets (ROA)-1.2%within the sector's middle half--0.1%below the sector's middle half▲ 1.1pp-7.0%below the sector's middle half▼ 6.9pp0.8%within the sector's middle half▲ 7.8pp-31.7%below the sector's middle half▼ 32.4pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €35,004 after €2,477 in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €113,396
Fixed assets
€2,611 ▼ 49.5%
Current assets
€110,786 ▼ 12.1%
Key figures and ratios
EBITDA
-€31,227▼
2023 · €5,882
Cash flow
-€32,132▼
2023 · €4,427
Quick ratio
0.03▲
2023 · 0.02
Debt to equity
-6.66▼
2023 · 7.26
Interest coverage
-49.37▼
2023 · 66.09
Debt ≤ 1 year
€133,423▲
2023 · €115,268
Income taxes
€273▼
2023 · €1,366
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,906 companies that looked in July 2024 the way this one looks now, 5.8% went bankrupt within 24 months and 85% are still going.
- Micro
- 10 to 20 years old
- negative equity
- a loss of 10% of the balance sheet or more
5.8%
went bankrupt
8.1%
stopped otherwise
85%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% 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 6,906 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €26,749 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,670 | €6,859 | €4,157 | €3,405 | €3,777 | ▲ 10.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €12,316 | - |
| Other operating charges640/8 | €60 | €1,325 | €2,936 | €274 | €975 | ▲ 256% |
| Gross operating margin9900 | - | €7,919 | €1,973 | €6,156 | -€17,935 | ▼ 391% |
| Operating profit (loss)9901 | - | -€265 | -€5,120 | €2,477 | -€35,004 | ▼ 1,513% |
| Financial income75/76B | - | - | - | - | €0 | - |
| Recurring financial income75 | - | - | - | - | €0 | - |
| Financial charges65/66B | - | €72 | €4,165 | €89 | €633 | ▲ 611% |
| Recurring financial charges65 | - | €72 | €70 | €89 | €633 | ▲ 611% |
| Non-recurring financial charges66B | -€1,084 | - | €4,095 | €0 | - | - |
| Profit (loss) for the period before taxes9903 | - | -€337 | -€9,285 | €2,388 | -€35,636 | ▼ 1,592% |
| Transfer from deferred taxes780 | - | - | - | €0 | - | - |
| Transfer to deferred taxes680 | - | - | - | €0 | - | - |
| Income taxes67/77 | - | - | - | €1,366 | €273 | ▼ 80.0% |
| Profit (loss) for the period9904 | -€2,633 | -€337 | -€9,285 | €1,022 | -€35,909 | ▼ 3,614% |
| Profit (loss) for the period to be appropriated9905 | - | -€337 | -€9,285 | €1,022 | -€35,909 | ▼ 3,614% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €211,353 | €230,968 | €132,401 | €131,150 | €113,396 | ▼ 13.5% |
| Fixed assets21/28 | - | €12,139 | €7,982 | €5,165 | €2,611 | ▼ 49.5% |
| Intangible fixed assets21 | - | - | - | €0 | - | - |
| Tangible fixed assets22/27 | €10,200 | €12,139 | €7,982 | €5,165 | €2,611 | ▼ 49.5% |
| Plant, machinery and equipment23 | - | €4,935 | €3,290 | €1,646 | - | - |
| Furniture and vehicles24 | - | €7,204 | €4,692 | €3,519 | €2,611 | ▼ 25.8% |
| Financial fixed assets28 | - | - | - | €0 | - | - |
| Current assets29/58 | - | €218,829 | €124,419 | €125,985 | €110,786 | ▼ 12.1% |
| Stocks and contracts in progress3 | - | €212,730 | €118,363 | €123,163 | €106,246 | ▼ 13.7% |
| Stocks30/36 | €198,104 | €212,730 | €118,363 | €123,163 | €106,246 | ▼ 13.7% |
| Amounts receivable within one year40/41 | €2,657 | €5,447 | €5,616 | €2,693 | €3,735 | ▲ 38.7% |
| Trade receivables40 | - | €5,447 | €5,616 | €2,693 | €1,396 | ▼ 48.2% |
| Other amounts receivable41 | - | - | - | - | €2,339 | - |
| Cash at bank and in hand54/58 | - | €652 | €440 | €129 | €532 | ▲ 312% |
| Deferred charges and accrued income490/1 | - | - | - | - | €273 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €211,353 | €230,968 | €132,401 | €131,150 | €113,396 | ▼ 13.5% |
| Equity10/15 | - | €24,146 | €14,860 | €15,882 | -€20,027 | ▼ 226% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Capital10 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Issued capital100 | - | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Uncalled capital101 | - | - | - | €0 | - | - |
| Profit (loss) carried forward14 | - | -€854 | -€10,140 | -€9,118 | -€45,027 | ▼ 394% |
| Amounts payable17/49 | - | €206,822 | €117,541 | €115,268 | €133,423 | ▲ 15.8% |
| Amounts payable after more than one year17 | - | - | - | €0 | - | - |
| Amounts payable within one year42/48 | €186,870 | €206,822 | €117,541 | €115,268 | €133,423 | ▲ 15.8% |
| Trade debts44 | - | €122,309 | €3,964 | €1,803 | €1,647 | ▼ 8.6% |
| Suppliers440/4 | - | €122,309 | €3,964 | €1,803 | €1,647 | ▼ 8.6% |
| Taxes, remuneration and social security45 | €1,640 | €796 | €30,009 | €20,162 | €1,904 | ▼ 90.6% |
| Taxes450/3 | - | €796 | €30,009 | €20,162 | €1,904 | ▼ 90.6% |
| Other amounts payable47/48 | €113,388 | €83,717 | €83,568 | €93,303 | €129,873 | ▲ 39.2% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€2,633 | -€337 | -€9,285 | €1,022 | -€35,909 | ▼ 3,614% |
| + Depreciation and write-downs630 | €5,670 | €6,859 | €4,157 | €3,405 | €3,777 | ▲ 10.9% |
| Operating cash flow (approximation) | €3,037 | €6,522 | -€5,128 | €4,427 | -€32,132 | ▼ 826% |
| Investment in fixed assets (approximation) | - | - | €0 | -€588 | -€1,223 | ▼ 108% |
| Change in cash | - | - | -€212 | -€311 | €403 | ▲ 229% |
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
2026
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 201 days late
2024
31-12
Financial
Weakest financial yearnet -€35,909
Net result drops to -€35,909, the lowest in the series.
11-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €1,022
Net result €1,022 after 4 loss-making years.
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 78 days late
02-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 428 days late
2021
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 139 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 114 days late
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 150 days late
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
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, Namur · 1 establishment unit since 2015
Ground area
3,963 m²
Building footprint
156 m²
Volume, LiDAR
1,821 m³
Parcel 92032A0128/00E000, Wallonia · tallest building 17.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bearditti
since 20152.247.571.459
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92032A0128/00E000 | Wallonia | 3,963 m² | 1 · 156 m² | 17.7 m · 4 fl. |
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.
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Of 565 companies in sector 46480 we hold annual accounts for 355. 176 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
46480Wholesale trade
Contact
E-mail
BEARDITTISPRL@GMAIL.COM
E-invoicing
Reachable via Peppol
Peppol ID
0208:0641962826
Registered
16-02-2026
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.