Active BE 0842.355.522Private limited company (pre-2019)

BERCH

Kerksteeg 7 ·3700 Tongeren-Borgloon, Belgium· 14 yrs active

Sector: Development of residential building projects (68121)

Conclusion Checked

BERCH has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €287k and a net result of €-58k. Its solvency ranks better than 79% of 4970 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€287k
Net result	€-58k
Better than sector	79%
Active	14 yrs

Financial profile 5 of 5 axes measured · computed by Checked

51 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 30

Profitability 0

Solvency 65

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.4% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2011, 14 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2024 · computed

30 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview14 NBB filings

Annual accounts filed on 16-10-2025 with the NBB · fiscal year 2024 · micro schema

Operating resultNet result

Sector comparison

Fiscal year 2024 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	61.2%	16.7%	better than 79% of 4970 sector peers
Net result	€-58k	€2k	better than 8% of 4962 sector peers
Equity	€287k	€27k	better than 88% of 4973 sector peers
Gross operating margin	€35k	€27k	better than 57% of 4956 sector peers
Total assets	€469k	€303k	better than 62% of 4972 sector peers

EBITDA

€-27k

+48.3% 23-24

Net profit

€-58k

+26.2% 23-24

Cash flow

€-36k

+37.7% 23-24

Total assets

€469k

-6.5% 23-24

Equity

€287k

-16.8% 23-24

Working capital

€-108k

-104.5% 23-24

Income taxes

€-2

- 23-24

Debt

€182k

+16.2% 23-24

Debt ≤ 1y

€129k

+34.9% 23-24

Debt > 1y

€41k

-27.4% 23-24

Current ratio

0.16

-63.4% 23-24

Quick ratio

0.16

-63.4% 23-24

Solvency

61.2%

-11.0% 23-24

Debt / equity

0.63

+39.6% 23-24

ROE

-20.2%

+11.3% 23-24

ROA

-12.4%

+21.1% 23-24

Interest coverage

-2.81

+65.2% 23-24

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro schema
Revenue	-
EBITDA	€-27k
Net profit	€-58k
Cash flow	€-36k
Staff costs	-
Income taxes	€-2
Dividends	-
Total assets	€469k
Equity	€287k
Debt	€182k
of which ≤ 1y	€129k
of which > 1y	€41k
Working capital	€-108k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.16
Quick ratio	0.16
Working capital ratio	-23.0%
Solvency	61.2%
Debt / equity	0.63
Long-term debt ratio	0.14
Interest coverage	-2.81
Gross margin	-
Net margin	-
ROA	-12.4%
ROE	-20.2%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →

Balance-sheet composition 2024

Assets

Fixed assets €448k · 95.5% Current assets €21k · 4.5%

Equity & liabilities

Equity €287k · 61.2% Debt €182k · 38.8%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€469k
Fixed assets	21/28	€448k
Tangible fixed assets	22/27	€448k
Current assets	29/58	€21k
Amounts receivable within one year	40/41	€0
Cash & bank	54/58	€13k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€469k
Equity	10/15	€287k
Contributions / capital	10/11	€575k
Reserves	13	€108k
Accumulated profits (losses)	14	€-395k
Amounts payable	17/49	€182k
Amounts payable after one year	17	€41k
Amounts payable within one year	42/48	€129k
Trade debts payable within one year	44	€9k
Income statement
Gross operating margin	9900	€35k
Operating result	9901	€-49k
Financial income	75	€140
Financial charges	65	€9k
Result before taxes	9903	€-58k
Income taxes	67/77	€-2
Net result for the period	9904	€-58k
Result to be appropriated	9905	€-58k

Legal Structure

NACE primary	Development of residential building projects(68121)
Legal form	Private limited company (pre-2019)(015)
Incorporation	23-12-2011
Status	Active
Postal code	3700

Establishment units 1 location

BERCH

Kerksteeg 7, 3700 Tongeren-BorgloonReal estate activities

since 20112.206.888.669

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
73003C0310/00S000	Flanders	2,695 m²	1 · 272 m²	10.9 m · 2 fl.

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.

Updates 10 events

All 10 NBB filing 10

2016 2016: 1 NBB filing 2017 2017: 1 NBB filing 2018 2018: 1 NBB filing 2019 2019: 1 NBB filing 2020 2020: 1 NBB filing 2021 2021: 1 NBB filing 2022 2022: 1 NBB filing 2023 2023: 1 NBB filing 2024 2024: 1 NBB filing 2025 2025: 1 NBB filing

2025

16-10-2025 NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

16-10-2024 NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

09-10-2023 NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

25-08-2022 NBB filing Annual accounts filed

fiscal year 2021 · micro schema

2021

27-10-2021 NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

07-10-2020 NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

30-08-2019 NBB filing Annual accounts filed

fiscal year 2018 · micro schema

2018

28-09-2018 NBB filing Annual accounts filed

fiscal year 2017 · micro schema

2017

31-08-2017 NBB filing Annual accounts filed

fiscal year 2016 · micro schema

2016

30-09-2016 NBB filing Annual accounts filed

fiscal year 2015 · abbreviated schema

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Development of residential building projects68121Development of non-residential building projects68122Buying and selling of own real estate68110Renting and operating of own or leased residential real estate, excluding social housing68201

Names & trade names

Legal nameNL

BERCH

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