Bercom-Trans
ActiveThe computed 12-month bankruptcy probability of Bercom-Trans is 2.6% (moderate). The 2025 annual accounts show equity of €133k and a net result of €31k. Equity is growing by ~41.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 4575 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-1
Solvency78▲+12
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.72 against 1.53 in 2024; short-term debt: 23.3% and cash: 0% of total assets), and 46.6% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.4%
Return on assets
12.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 4 filingsDeviation from the deadline
2025
7 d late
2024
21 d early
2023
29 d late
2022
31 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€133k▲ 31.1%
2024 · €101k
2022: €24k
2023: €67k
2024: €101k
2022 → 2025
Total assets
€248k▲ 0.4%
2024 · €247k
2022: €58k
2023: €157k
2024: €247k
2022 → 2025
Net result
€31k▼ 7.2%
2024 · €34k
2022: €7k
2023: €43k
2024: €34k
2022 → 2025
Working capital
€99k▲ 61.4%
2024 · €62k
2022: €8k
2023: €-19k
2024: €62k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€24k-€67k▲ 179%€101k▲ 50.5%€133k▲ 31.1%
Operating result€11k-€60k▲ 430%€52k▼ 13.6%€51k▼ 1.5%
Net result€7k-€43k▲ 488%€34k▼ 21.3%€31k▼ 7.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€91k▲ 29.6%
Current assets
€157k▼ 11.2%
Equity and liabilities €248k
Equity
€133k▲ 31.1%
Debt
€116k▼ 20.9%
The debt ratio falls from 59.1% to 46.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€75k▲
2024 · €68k
Cash flow
€56k▲
2024 · €49k
Solvency
53.4%▲
2024 · 40.9%
Current ratio
2.72▲
2024 · 1.53
Quick ratio
2.72▲
2024 · 1.53
Debt / equity
0.87▼
2024 · 1.45
ROE
23.7%▼
2024 · 33.6%
ROA
12.7%▼
2024 · 13.7%
Interest coverage
11.21▼
2024 · 18.15
Debt
€116k▼
2024 · €146k
Debt ≤ 1 year
€58k▼
2024 · €115k
Debt > 1 year
€58k▲
2024 · €31k
Income taxes
€13k▼
2024 · €14k
Staff costs
€74k▲
2024 · €71k
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€247k€248k▲
Fixed assets21/28€70k€91k▲
Tangible fixed assets22/27€56k€77k▲
Furniture and vehicles24€56k€77k▲
Financial fixed assets28€14k€14k=
Current assets29/58€177k€157k▼
Amounts receivable within one year40/41€174k€149k▼
Trade receivables40€103k€32k▼
Other amounts receivable41€71k€117k▲
Cash at bank and in hand54/58€614€5▼
Deferred charges and accrued income490/1€2k€8k▲
Equity and liabilities
Total equity and liabilities10/49€247k€248k▲
Equity10/15€101k€133k▲
Contributions10/11€500€500=
Reserves13€101k€132k▲
Distributable reserves133€101k€132k▲
Amounts payable17/49€146k€116k▼
Amounts payable after more than one year17€31k€58k▲
Financial debts170/4€31k€58k▲
Amounts payable within one year42/48€115k€58k▼
Current portion of amounts payable after more than one year42€10k€20k▲
Trade debts44€53k-
Suppliers440/4€53k-
Taxes, remuneration and social security45€52k€38k▼
Taxes450/3€36k€23k▼
Remuneration and social security454/9€16k€15k▼
Income statement
Code20242025
Remuneration, social security and pensions62€71k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€24k▲
Other operating charges640/8€5k€548▼
Non-recurring operating charges66A-€176
Gross operating margin9900€143k€151k▲
Operating profit (loss)9901€52k€51k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€48k€45k▼
Income taxes67/77€14k€13k▼
Profit (loss) for the period9904€34k€31k▼
Profit (loss) for the period to be appropriated9905€34k€31k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€31k▼
Transfer to equity691/2€34k€31k▼
To other reserves6921€34k€31k▼
The notes to these accounts (7 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
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 7 days late
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €101k ▲50.5%
3 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Highest result since 2022net €43k ▲488%
Operating result €60k, net result €43k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zottegem · 1 establishment unit since 2021
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.
Heilig Hartplein 149620 ZottegemGround area
2,145 m²
Building footprint
580 m²
Volume, LiDAR
4,828 m³
2 parcels, Flanders · tallest building 14.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bercom-Trans
since 20212.318.311.381
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23044A0992/00C000 | Flanders | 1,933 m² | 1 · 406 m² | 13.9 m · 3 fl. |
| 41081A0966/00E000 | Flanders | 212 m² | 1 · 174 m² | 14.4 m · 3 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.
Similar companies · same sector, comparable size
AK&CO SERVICES
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BE 0760.572.248
Roeselare · Eq €133k
VERVOERONDERNEMING STEVENS DIRK
BE 0437.464.456
Gent · Eq €132k
FIRMA G. PERSYN EN ZOON
BE 0420.140.751
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TRANSPORT ROOMS FRANKIE
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 6,373 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-06-2021
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.