Skip to content

Bercapacoliba

Active
Public limited companyfounded 1988active for 38 yearsKortrijkstraat 121, 8770 Ingelmunster, BelgiumKBO/BCE: BE 0434.773.794
Summary

Bercapacoliba has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€2.0m) and a net result of €216,039. Equity remains stable across the filed financial years (±2.3% per year). Its solvency ranks better than 5% of 9,748 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Overview

Activity
Wholesale of clothing, excluding workwear and underwear
NACE 46423Retail sale of footwear NACE 47721
2 sites
Size
€2.5mtotal assets 2025
Staff
1.7 FTE
Equity
-€2.0m
Profit
€216,039
Turnover not published (abbreviated format)
Financial health
55 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
1.2%
Structure
Accounts 60 days early1 of 6 deeds read
Why 55raises riskCapped at 59: negative equityNegative equity -€2.0mLiquidity: current ratio 0.34, cash €72,411lowers riskFounded in 1988Size: 1.7 FTE, total assets €2.5mShow the evidence

Checked score

Score 2025
55 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 37% of its sector peers (NACE 46, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -80.4% of total assets
Liquidity 4+2
short-term debt 179.9% · cash 2.9%
Profitability 79+6
return on assets 8.6%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,871 companies, NACE 46, micro)
Last 24 months 11-2024: 0.4%lowest value 12-2024: 0.5%▲ +0.1 percentage points vs 11-2024 01-2025: 0.6%▲ +0.1 percentage points vs 12-2024 02-2025: 0.9%▲ +0.3 percentage points vs 01-2025 03-2025: 1.0%▲ +0.1 percentage points vs 02-2025 04-2025: 1.0%● unchanged vs 03-2025 05-2025: 1.0%● unchanged vs 04-2025 06-2025: 1.0%● unchanged vs 05-2025 07-2025: 1.0%● unchanged vs 06-2025 08-2025: 1.0%● unchanged vs 07-2025 09-2025: 1.2%▲ +0.2 percentage points vs 08-2025 10-2025: 1.2%● unchanged vs 09-2025 11-2025: 1.3%▲ +0.1 percentage points vs 10-2025 12-2025: 1.4%▲ +0.1 percentage points vs 11-2025highest value 01-2026: 1.0%▼ -0.4 percentage points vs 12-2025 02-2026: 1.0%● unchanged vs 01-2026 03-2026: 1.0%● unchanged vs 02-2026 04-2026: 1.0%● unchanged vs 03-2026 05-2026: 1.0%● unchanged vs 04-2026 06-2026: 1.0%● unchanged vs 05-2026 07-2026: 1.0%● unchanged vs 06-2026 08-2026: 1.0%● unchanged vs 07-2026 09-2026: 1.2%▲ +0.2 percentage points vs 08-2026 10-2026: 1.2%● unchanged vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.34, compared with 0.37 in 2024, below 1; short-term debt: 179.9% and cash: 2.9% of total assets), and equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro): better than 6% on solvency, 6% on liquidity, 72% on profitability and 64% on growth.

The bankruptcy probability was computed on 22-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Negative equity -€2.0m
NBB · annual accounts
lowers risk · Founded in 1988
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 0.34, cash €72,411
NBB · annual accounts
lowers risk · Size: 1.7 FTE, total assets €2.5m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 9748 sector peers (2025).
NBB · sector comparison
Position among 9748 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-12-2025, 60 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
60 days early
2024
20 days late
2023
22 days late
2022
1 day late
2021
25 days late
2019
27 days late
2018
26 days 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 9 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 20 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end23-10-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: Verstraete Lisbet (director)Reappointment: Cnudde Patrick (statutory director)…
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Highest result from 2019 to 2025net €216,039 ▲106%

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€2.0m View
  • Positive: Result rose in 2025from €104,961 to €216,039 ▲ 106% View
  • Caution: Among the weakest 5% on solvencysector median 43.1% · 9,748 companies -80.4% View
  • Caution: A director leftlatest change 06-05-2026 · 1 in office 1 left View

By topic

Financials

Financial year
2025
Total assets
€2.5m
Profit
€216,039
Solvency
-80.4%
Total assets▼ 11.0%
Net result
20192025
Go to Financials

Timeline

Events
40
Since
1990
Next accounts
by 31-01-2027
  1. 20-02-2025Annual accounts filed
  2. 22-02-2024Annual accounts filed
  3. 30-06-2023Back to profit
Go to Timeline

Company details

Sites
2
Legal form
Public limited company
Activity
Wholesale of clothing, excluding workwear and underwearNACE 46423
Founded
05-07-1988
Year ends
30-06
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
27
Who signs
The sole director
Annual meeting
First Saturday of December
Purpose
“De groothandel en vertegenwoordiging en de kleinhandel in marokkijnwaren en reisartikelen…” (deed in Dutch)
Go to Articles of association

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.