BEERTEN BOUWONDERNEMING

Active

Private limited companyfounded 20215 yrs activeSchuttershof 30, 3550 Heusden-Zolder, BelgiumKBO/BCE: BE 0762.537.487

The computed 12-month bankruptcy probability of BEERTEN BOUWONDERNEMING is 1.9% (moderate). The 2025 annual accounts show equity of €33k and a net result of €10k. Equity is growing by ~26.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

56 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability74▲+24

Solvency52▲+3

Growth78▲+26

Track record94

Bankruptcy probability, 12 months

1.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 1.64 against 1.67 in 2024; short-term debt: 43.9% and cash: 7.4% of total assets), but 73.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

26.9%

Return on assets

7.7%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

30 d early

2024

26 d late

2023

13 d early

2022

31 d late

2021

24 d late

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€33k▲ 40.3%

2024 · €24k

2021: €13k 2022: €16k 2023: €24k 2024: €24k

2021 → 2025

Total assets

€123k▲ 25.5%

2024 · €98k

2021: €34k 2022: €83k 2023: €73k 2024: €98k

2021 → 2025

Net result

€10k

2024 · €-213

2021: €7k 2022: €3k 2023: €7k 2024: €-213

2021 → 2025

Working capital

€35k▲ 42.7%

2024 · €24k

2021: €13k 2022: €-23k 2023: €-991 2024: €24k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€13k-€16k▲ 26.8%€24k▲ 45.7%€24k▼ 0.9%€33k▲ 40.3%

Operating result€9k-€6k▼ 38.0%€11k▲ 95.6%€3k▼ 71.7%€16k▲ 419%

Net result€7k-€3k▼ 50.0%€7k▲ 116%€-213€10k

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 419% above 2024 and is the highest result in the available series.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €123k

27.9%

72.1%

Fixed assets €34k▼ 8.8%

Current assets €89k▲ 46.9%

Equity and liabilities €123k

26.9%

73.1%

Equity €33k▲ 40.3%

Debt €90k▲ 20.8%

The debt ratio falls from 75.9% to 73.1%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€28k▲

2024 · €15k

Cash flow

€21k▲

2024 · €12k

Solvency

26.9%▲

2024 · 24.1%

Current ratio

1.64▼

2024 · 1.67

Quick ratio

1.64▼

2024 · 1.67

Debt / equity

2.71▼

2024 · 3.15

ROE

28.7%▲

2024 · -0.9%

ROA

7.7%▲

2024 · -0.2%

Interest coverage

5.47▲

2024 · 3.81

Debt

€90k▲

2024 · €75k

Debt ≤ 1 year

€54k▲

2024 · €36k

Debt > 1 year

€36k▼

2024 · €38k

Income taxes

€3k▲

2024 · €905

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€98k€123k▲

Fixed assets21/28€38k€34k▼

Tangible fixed assets22/27€38k€34k▼

Furniture and vehicles24€38k€34k▼

Current assets29/58€61k€89k▲

Amounts receivable within one year40/41€46k€79k▲

Trade receivables40€20k€49k▲

Other amounts receivable41€26k€29k▲

Cash at bank and in hand54/58€13k€9k▼

Deferred charges and accrued income490/1€2k€1k▼

Equity and liabilities

Total equity and liabilities10/49€98k€123k▲

Equity10/15€24k€33k▲

Contributions10/11€6k€6k=

Reserves13€18k€27k▲

Distributable reserves133€18k€27k▲

Profit (loss) carried forward14€-213€0▲

Amounts payable17/49€75k€90k▲

Amounts payable after more than one year17€38k€36k▼

Financial debts170/4€38k€36k▼

Amounts payable within one year42/48€36k€54k▲

Current portion of amounts payable after more than one year42€15k€11k▼

Trade debts44€15k€38k▲

Suppliers440/4€15k€38k▲

Taxes, remuneration and social security45€5k€5k▼

Taxes450/3€5k€5k▼

Accrued charges and deferred income492/3€50€295▲

Income statement Code20242025

Non-recurring operating income76A€3k€0▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€11k▼

Other operating charges640/8€35k€4k▼

Non-recurring operating charges66A-€164

Gross operating margin9900€50k€32k▼

Operating profit (loss)9901€3k€16k▲

Financial income75/76B€2k€1k▼

Recurring financial income75€2k€1k▼

Financial charges65/66B€4k€5k▲

Recurring financial charges65€4k€5k▲

Profit (loss) for the period before taxes9903€692€13k▲

Income taxes67/77€905€3k▲

Profit (loss) for the period9904€-213€10k▲

Profit (loss) for the period to be appropriated9905€-213€10k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-213€9k▲

Profit (loss) brought forward from the previous period14P-€-213

Transfer to equity691/2€0€9k▲

To other reserves6921€0€9k▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Back to profitnet €10k

Net result €10k after one loss-making year.

26-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 26 days late

2024

31-12

Financial Weakest financial yearnet €-213 ▼103%

Net result drops to €-213, the lowest in the series; recovery starts the following year.

18-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

24-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 24 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Schuttershof 303550 Heusden-Zolder

Ground area

884 m²

Building footprint

146 m²

Volume, LiDAR

957 m³

Parcel 71065B0450/00C002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BEERTEN BOUWONDERNEMING

Schuttershof 30, 3550 Heusden-ZolderGeneral construction of buildings

since 20212.312.526.520

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71065B0450/00C002	Flanders	884 m²	1 · 146 m²	9.3 m · 2 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.

Similar companies · same sector, comparable size

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 12,576 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded27-01-2021

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

41002Construction of residential and non-residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.