Bercapacoliba
ActiveBercapacoliba has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-2.02M) and a net result of €216k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 5% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
47
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+6
Solvency0=
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.34 against 0.37 in 2024; short-term debt: 179.9% and cash: 2.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
-80.4%
Return on assets
8.6%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 7993 sector peers (2025).
NBB · sector comparisonPosition among 7993 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 filingsDeviation from the deadline
2025
60 d early
2024
20 d late
2023
22 d late
2022
1 d late
2021
25 d late
2019
27 d late
2018
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-2.02M▲ 9.6%
2024 · €-2.24M
2019: €-2.18M
2021: €-2.40M
2022: €-2.47M
2023: €-2.35M
2024: €-2.24M
2019 → 2025
Total assets
€2.52M▼ 11.0%
2024 · €2.83M
2019: €5.01M
2021: €2.69M
2022: €2.89M
2023: €2.85M
2024: €2.83M
2019 → 2025
Net result
€216k▲ 106%
2024 · €105k
2019: €-183k
2021: €8k
2022: €-67k
2023: €120k
2024: €105k
2019 → 2025
Working capital
€-2.97M▲ 6.2%
2024 · €-3.17M
2019: €-2.66M
2021: €-3.48M
2022: €-3.50M
2023: €-3.34M
2024: €-3.17M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-2.40M-€-2.47M▼ 2.8%€-2.35M▲ 4.9%€-2.24M▲ 4.5%€-2.02M▲ 9.6%
Operating result€26k-€-51k€137k€119k▼ 13.0%€227k▲ 91.3%
Net result€8k-€-67k€120k€105k▼ 12.5%€216k▲ 106%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 91% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.52M
Fixed assets
€963k▼ 0.5%
Current assets
€1.55M▼ 16.5%
Key figures and ratios
EBITDA
€255k▲
2024 · €149k
Cash flow
€243k▲
2024 · €135k
Solvency
-80.4%▼
2024 · -79.2%
Current ratio
0.34▼
2024 · 0.37
Quick ratio
0.21▼
2024 · 0.25
Debt / equity
-2.24▲
2024 · -2.26
ROA
8.6%▲
2024 · 3.7%
Interest coverage
22.07▲
2024 · 10.60
Debt
€4.54M▼
2024 · €5.07M
Debt ≤ 1 year
€4.53M▼
2024 · €5.03M
Debt > 1 year
€13k▼
2024 · €39k
Staff costs
€114k▲
2024 · €106k
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€2.83M€2.52M▼
Fixed assets21/28€967k€963k▼
Tangible fixed assets22/27€967k€963k▼
Land and buildings22€892k€892k▼
Plant, machinery and equipment23€2k€9k▲
Furniture and vehicles24€34€0▼
Other tangible fixed assets26€73k€62k▼
Financial fixed assets28€204€204=
Current assets29/58€1.86M€1.55M▼
Stocks and contracts in progress3€611k€589k▼
Stocks30/36€611k€589k▼
Amounts receivable within one year40/41€1.21M€888k▼
Trade receivables40€205k€164k▼
Other amounts receivable41€1.01M€724k▼
Cash at bank and in hand54/58€35k€72k▲
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€2.83M€2.52M▼
Equity10/15€-2.24M€-2.02M▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€10k€10k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€3k€3k=
Profit (loss) carried forward14€-2.33M€-2.11M▲
Amounts payable17/49€5.07M€4.54M▼
Amounts payable after more than one year17€39k€13k▼
Financial debts170/4€39k€13k▼
Amounts payable within one year42/48€5.03M€4.53M▼
Current portion of amounts payable after more than one year42€24k€26k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€671k€696k▲
Suppliers440/4€671k€696k▲
Taxes, remuneration and social security45€75k€90k▲
Taxes450/3€58k€73k▲
Remuneration and social security454/9€17k€17k▲
Other amounts payable47/48€4.26M€3.72M▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€4k€15k▲
Remuneration, social security and pensions62€106k€114k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€27k▼
Other operating charges640/8€8k€9k▲
Gross operating margin9900€263k€377k▲
Operating profit (loss)9901€119k€227k▲
Financial income75/76B€99€100▲
Recurring financial income75€99€100▲
Financial charges65/66B€14k€12k▼
Recurring financial charges65€14k€12k▼
Profit (loss) for the period before taxes9903€105k€216k▲
Income taxes67/77€0-
Profit (loss) for the period9904€105k€216k▲
Profit (loss) for the period to be appropriated9905€105k€216k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.33M€-2.11M▲
Profit (loss) brought forward from the previous period14P€-2.43M€-2.33M▲
Social balance
Average headcount (FTE)90871.71.7=
The notes to these accounts (23 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
2025
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Highest result since 2019net €216k ▲106%
Operating result €227k, net result €216k, both a record.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
22-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
30-06
Financial
Back to profitnet €120k
Net result €120k after one loss-making year.
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
25-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 25 days late
2021
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2020
27-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 27 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
2016
28-01
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Ingelmunster · 2 establishment units since 2007
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.
Kortrijkstraat 1218770 IngelmunsterGround area
1.8 ha
Building footprint
1,687 m²
Volume, LiDAR
9,272 m³
2 parcels, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BERCA SHOES
since 20072.166.274.571
BERCA SHOES
since 20072.166.274.769
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011B0025/02Y000 | Flanders | 1.0 ha | 1 · 53 m² | 2.6 m · 1 fl. |
| 36007C0113/00D002 | Flanders | 7,734 m² | 1 · 1,634 m² | 12.7 m · 2 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.
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The Short Way
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D.B. MODE
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FABRIK AGENCY
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Of 1,311 companies in sector 46423 we hold annual accounts for 812. 537 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-07-1988
Fiscal year end30-06
Legal name NL
Berca/Pacoliba
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
47721Retail sale of footwear
51421
46496Wholesale trade
47512Retail sale of household textiles and bedding
47639Retail sale of other sporting goods
47640Retail trade
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47820Market retail: textiles, clothing, footwear
51476
52410
52482
52622
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.