BER-AT
Open bankruptcyA bankruptcy procedure is open for BER-AT according to publications in the Belgian State Gazette; curator: TIM DE MOERLOOSE.
Summary
The 2025 annual accounts show equity of €263k and a net result of €114k.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-07-2026, 63 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 · 6 filingsDeviation from the deadline
2025
63 d late
2024
7 d late
2023
81 d early
2022
96 d late
2021
204 d late
2020
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€415k▼ 74.7%
2024 · €1.64M
2023: €1.59M
2024: €1.64M
2023 → 2025
EBIT margin
25.7%▲ 23.8pp
2024 · 1.8%
2023: 6.0%
2024: 1.8%
2023 → 2025
Net result
€114k▲ 535%
2024 · €18k
2020: €19k
2021: €29k
2022: €14k
2023: €67k
2024: €18k
2020 → 2025
Working capital
€165k▲ 118%
2024 · €75k
2020: €8k
2021: €37k
2022: €40k
2023: €58k
2024: €75k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.59M€1.64M▲ 2.9%€415k▼ 74.7%
Equity€62k-€76k▲ 22.1%€133k▲ 75.3%€161k▲ 20.6%€263k▲ 63.8%
Operating result€41k-€20k▼ 50.4%€96k▲ 372%€30k▼ 68.5%€107k▲ 252%
Net result€29k-€14k▼ 51.7%€67k▲ 384%€18k▼ 73.2%€114k▲ 535%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 252% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €309k
Fixed assets
€98k ▲ 15.6%
Current assets
€210k ▼ 31.1%
Equity and liabilities €309k
Equity
€263k ▲ 63.8%
Debt
€46k ▼ 80.1%
The debt ratio falls from 58.9% to 14.8%. Equity is higher and debt is lower.
Key figures and ratios
Current ratio
4.60▲
2024 · 1.33
Debt / equity
0.17▼
2024 · 1.43
ROE
43.1%▲
2024 · 11.1%
ROA
36.7%▲
2024 · 4.6%
Debt ≤ 1 year
€46k▼
2024 · €230k
Staff costs
€33k▼
2024 · €255k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€391k€309k▼
Fixed assets21/28€85k€98k▲
Tangible fixed assets22/27€49k€63k▲
Furniture and vehicles24€49k€63k▲
Financial fixed assets28€36k€36k=
Current assets29/58€306k€210k▼
Amounts receivable within one year40/41€268k€151k▼
Trade receivables40€185k€126k▼
Other amounts receivable41€83k€24k▼
Cash at bank and in hand54/58€26k€57k▲
Deferred charges and accrued income490/1€11k€2k▼
Equity and liabilities
Total equity and liabilities10/49€391k€309k▼
Equity10/15€161k€263k▲
Contributions10/11€15k€15k=
Capital10€15k€15k=
Issued capital100€15k€15k=
Reserves13€146k€146k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€144k€144k=
Profit (loss) carried forward14-€103k
Amounts payable17/49€230k€46k▼
Amounts payable within one year42/48€230k€46k▼
Trade debts44€132k€33k▼
Suppliers440/4€132k€33k▼
Taxes, remuneration and social security45€99k€13k▼
Taxes450/3€53k€13k▼
Remuneration and social security454/9€46k-
Income statement
Code20242025
Turnover70€1.64M€415k▼
Non-recurring operating income76A€10k€3k▼
Goods, raw materials, services and sundry goods60/61€1.35M€279k▼
Remuneration, social security and pensions62€255k€33k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k-
Other operating charges640/8€4k€176▼
Gross operating margin9900€295k€140k▼
Operating profit (loss)9901€30k€107k▲
Financial income75/76B€174€7k▲
Recurring financial income75€174€7k▲
Financial charges65/66B€4k€506▼
Recurring financial charges65€4k€506▼
Profit (loss) for the period before taxes9903€26k€114k▲
Income taxes67/77€9k-
Profit (loss) for the period9904€18k€114k▲
Profit (loss) for the period to be appropriated9905€18k€114k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€103k▲
Profit (loss) brought forward from the previous period14P-€-11k
Transfer to equity691/2€18k-
To other reserves6921€18k-
The notes to these accounts (5 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
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 63 days late
2025
27-10
Bankruptcy
Opening
Ondernemingsrechtbank Gent, afdeling Gent · BER-AT BV NOORD- STRAAT 13A/101, 9000 GENT · event 14-10-2025
30-09
Financial
Highest result since 2020net €114k ▲535%
Operating result €107k, net result €114k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 4.60
Current ratio from 1.33 to 4.60; short-term debt falls from €230k to €46k.
30-09
Financial
Equity above €200kEq €263k ▲63.8%
6 profitable years in a row build equity to €263k.
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 7 days late
2024
30-09
Financial
Equity above €150kEq €161k ▲20.6%
5 profitable years in a row build equity to €161k.
09-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €100kEq €133k ▲75.3%
4 profitable years in a row build equity to €133k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 96 days late
2022
20-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 204 days late
30-09
Financial
Weakest financial yearnet €14k ▼51.7%
Net result drops to €14k, the lowest in the series.
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2018
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.
Noordstraat 13A9000 GentGround area
183 m²
Building footprint
183 m²
Volume, LiDAR
1,662 m³
2 parcels, Flanders · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BER-AT
since 20182.281.766.929
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71034A0550/00A000 | Flanders | 96 m² | 1 · 96 m² | 11.6 m · 3 fl. |
| 44815F3625/52M000 | Flanders | 87 m² | 1 · 87 m² | 17.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | TIM DE MOERLOOSE LEIEKAAI 25 C-D, 9000 GENT- |
14-10-2025 → present |
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Of 12,604 companies in sector 49410 we hold annual accounts for 8,202. 5,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2018
Fiscal year end30-09
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.