Berda Projects
ActiveSummary
Berda Projects has been active since 1983 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €38,602 and a net result of -€16,814. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 26049 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability4▼-9
Solvency52▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.38 against 1.87 in 2023; short-term debt: 60.6% and cash: 2.3% of total assets), and 72.7% of the assets are financed with debt.
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Signals
Five 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
27.3%
Return on assets
-11.9%
Age of the figures
21 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€16,814
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
106 d late
2022
20 d early
2021
4 d early
2020
46 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 11 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€38,602▼ 30.3%
2023 · €55,416
Total assets
€141,521▲ 4.3%
2023 · €135,648
Net result
-€16,814▼ 31.6%
2023 · -€12,775
Working capital
€32,521▼ 35.6%
2023 · €50,508
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€55,776€32,056▼ 42.5%€18,224▼ 43.1%-€9,696-€13,590▼ 40.2%
Net result€53,280above the sector's middle half€27,242above the sector's middle half▼ 48.9%€13,733within the sector's middle half▼ 49.6%-€12,775below the sector's middle half-€16,814below the sector's middle half▼ 31.6%
Equity€27,216within the sector's middle half€54,458within the sector's middle half▲ 100%€68,191within the sector's middle half▲ 25.2%€55,416within the sector's middle half▼ 18.7%€38,602within the sector's middle half▼ 30.3%
Total assets€102,399within the sector's middle half▲ 12.1%€108,846within the sector's middle half▲ 6.3%€118,279within the sector's middle half▲ 8.7%€135,648within the sector's middle half▲ 14.7%€141,521within the sector's middle half▲ 4.3%
Debt€75,183▼ 36.0%€54,388▼ 27.7%€50,088▼ 7.9%€80,232▲ 60.2%€102,919▲ 28.3%
Working capital€16,342within the sector's middle half€46,813within the sector's middle half▲ 186%€62,107within the sector's middle half▲ 32.7%€50,508within the sector's middle half▼ 18.7%€32,521within the sector's middle half▼ 35.6%
Solvency26.6%within the sector's middle half▲ 55.1pp50.0%within the sector's middle half▲ 23.5pp57.7%within the sector's middle half▲ 7.6pp40.9%within the sector's middle half▼ 16.8pp27.3%within the sector's middle half▼ 13.6pp
Current ratio1.34within the sector's middle half▲ 0.852.25within the sector's middle half▲ 0.912.43within the sector's middle half▲ 0.171.87within the sector's middle half▼ 0.551.38within the sector's middle half▼ 0.49
Return on assets (ROA)52.0%above the sector's middle half▲ 56.7pp25.0%above the sector's middle half▼ 27.0pp11.6%above the sector's middle half▼ 13.4pp-9.4%below the sector's middle half▼ 21.0pp-11.9%below the sector's middle half▼ 2.5pp
Staff (FTE)
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13,590 in 2024 against €9,696 in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €141,521
Fixed assets
€23,218 ▼ 14.6%
Current assets
€118,303 ▲ 9.1%
Equity and liabilities €141,521
Equity
€38,602 ▼ 30.3%
Debt
€102,919 ▲ 28.3%
Debt's share of the balance-sheet total rises from 59.1% to 72.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
-€7,610▼
2023 · €3,230
Cash flow
-€10,834▼
2023 · €150
Debt to equity
2.67▲
2023 · 1.45
ROE
-43.6%▼
2023 · -23.1%
Interest coverage
-1.49▼
2023 · 0.73
Debt ≤ 1 year
€85,782▲
2023 · €57,942
Debt > 1 year
€17,137▼
2023 · €22,290
Income taxes
€231▼
2023 · €242
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,221 companies that looked in July 2024 the way this one looks now, 3.5% went bankrupt within 24 months and 88% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a loss of 10% of the balance sheet or more
3.5%
went bankrupt
7.4%
stopped otherwise
88%
still going
A further 0.8% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.7% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,221 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €4,349 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13,498 | €13,498 | €12,496 | €12,925 | €5,980 | ▼ 53.7% |
| Other operating charges640/8 | - | €579 | €3,015 | €1,347 | €9,512 | ▲ 606% |
| Gross operating margin9900 | €71,267 | €46,132 | €33,735 | €4,577 | €1,902 | ▼ 58.4% |
| Operating profit (loss)9901 | €55,776 | €32,056 | €18,224 | -€9,696 | -€13,590 | ▼ 40.2% |
| Financial income75/76B | - | €500 | €880 | €1,560 | €2,130 | ▲ 36.5% |
| Recurring financial income75 | €500 | €500 | €880 | €1,560 | €2,130 | ▲ 36.5% |
| Financial charges65/66B | - | €2,538 | €3,740 | €4,398 | €5,123 | ▲ 16.5% |
| Recurring financial charges65 | €2,709 | €2,538 | €3,740 | €4,398 | €5,123 | ▲ 16.5% |
| Profit (loss) for the period before taxes9903 | €53,567 | €30,017 | €15,364 | -€12,533 | -€16,583 | ▼ 32.3% |
| Income taxes67/77 | €286 | €2,775 | €1,631 | €242 | €231 | ▼ 4.5% |
| Profit (loss) for the period9904 | €53,280 | €27,242 | €13,733 | -€12,775 | -€16,814 | ▼ 31.6% |
| Profit (loss) for the period to be appropriated9905 | €53,280 | €27,242 | €13,733 | -€12,775 | -€16,814 | ▼ 31.6% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €102,399 | €108,846 | €118,279 | €135,648 | €141,521 | ▲ 4.3% |
| Fixed assets21/28 | €38,153 | €24,655 | €12,624 | €27,198 | €23,218 | ▼ 14.6% |
| Intangible fixed assets21 | - | - | - | - | €1,756 | - |
| Tangible fixed assets22/27 | €38,153 | €24,655 | €12,624 | €27,198 | €21,462 | ▼ 21.1% |
| Plant, machinery and equipment23 | - | €1,295 | €944 | €708 | €472 | ▼ 33.3% |
| Furniture and vehicles24 | - | €2,200 | €1,100 | €26,490 | €20,990 | ▼ 20.8% |
| Leasing and similar rights25 | - | €21,160 | €10,580 | - | - | - |
| Current assets29/58 | €64,246 | €84,191 | €105,656 | €108,450 | €118,303 | ▲ 9.1% |
| Amounts receivable after more than one year29 | - | €25,000 | €44,000 | €44,000 | €44,000 | = |
| Other amounts receivable291 | - | €25,000 | €44,000 | €44,000 | €44,000 | = |
| Amounts receivable within one year40/41 | €35,504 | €43,105 | €54,549 | €59,383 | €70,607 | ▲ 18.9% |
| Trade receivables40 | - | €35,265 | €28,495 | €7,827 | €10,692 | ▲ 36.6% |
| Other amounts receivable41 | - | €7,841 | €26,054 | €51,556 | €59,916 | ▲ 16.2% |
| Cash at bank and in hand54/58 | €3,242 | €13,683 | €3,723 | €3,136 | €3,189 | ▲ 1.7% |
| Deferred charges and accrued income490/1 | - | €2,403 | €3,384 | €1,931 | €507 | ▼ 73.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €102,399 | €108,846 | €118,279 | €135,648 | €141,521 | ▲ 4.3% |
| Equity10/15 | €27,216 | €54,458 | €68,191 | €55,416 | €38,602 | ▼ 30.3% |
| Contributions10/11 | - | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €63,027 | €35,866 | €49,599 | €49,599 | €42,834 | ▼ 13.6% |
| Non-distributable reserves130/1 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | - | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | €34,007 | €47,740 | €47,740 | €40,975 | ▼ 14.2% |
| Profit (loss) carried forward14 | -€54,403 | - | - | -€12,775 | -€22,825 | ▼ 78.7% |
| Amounts payable17/49 | €75,183 | €54,388 | €50,088 | €80,232 | €102,919 | ▲ 28.3% |
| Amounts payable after more than one year17 | €27,280 | €17,011 | €6,540 | €22,290 | €17,137 | ▼ 23.1% |
| Financial debts170/4 | - | €17,011 | €6,540 | €22,290 | €17,137 | ▼ 23.1% |
| Amounts payable within one year42/48 | €47,904 | €37,377 | €43,548 | €57,942 | €85,782 | ▲ 48.0% |
| Current portion of amounts payable after more than one year42 | - | €10,269 | €10,471 | €6,540 | €1,768 | ▼ 73.0% |
| Financial debts43 | - | - | - | €4,907 | €5,153 | ▲ 5.0% |
| Credit institutions430/8 | - | - | - | €4,907 | €5,153 | ▲ 5.0% |
| Trade debts44 | €20,682 | €24,333 | €28,309 | €44,622 | €78,388 | ▲ 75.7% |
| Suppliers440/4 | - | €24,333 | €28,309 | €44,622 | €78,388 | ▲ 75.7% |
| Taxes, remuneration and social security45 | - | €2,775 | €4,768 | €1,873 | €473 | ▼ 74.7% |
| Taxes450/3 | - | €2,775 | €4,768 | €1,873 | €473 | ▼ 74.7% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €53,280 | €27,242 | €13,733 | -€12,775 | -€16,814 | ▼ 31.6% |
| + Depreciation and write-downs630 | €13,498 | €13,498 | €12,496 | €12,925 | €5,980 | ▼ 53.7% |
| Operating cash flow (approximation) | €66,778 | €40,740 | €26,229 | €150 | -€10,834 | ▼ 7,308% |
| Investment in fixed assets (approximation) | - | €0 | -€464 | -€27,500 | -€2,000 | ▲ 92.7% |
| Change in cash | - | €10,440 | -€9,959 | -€587 | €53 | ▲ 109% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€16,814
Net result drops to -€16,814, the lowest in the series.
14-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 106 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €53,280
Net result €53,280 after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.34
Current ratio from 0.50 to 1.34; short-term debt falls from €80,089 to €47,904.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
24-05
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Dendermonde · 1 establishment unit since 1983
Ground area
1,211 m²
Building footprint
184 m²
Volume, LiDAR
994 m³
Parcel 42007B1120/00M000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERDA PROJECTS
since 19832.022.803.257
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42007B1120/00M000 | Flanders | 1,211 m² | 1 · 184 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 10,510 companies in sector 47110 we hold annual accounts for 5,853. 4,551 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded10-08-1983
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
E-invoicing
Not found in the Peppol register
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Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.