Summary
BERFIL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €739k and a net result of €6k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 2394 sector peers (fiscal year 2025). The company has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
31 d late
2023
31 d late
2022
19 d late
2021
18 d late
2020
17 d late
2019
26 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€739k▲ 0.8%
2024 · €733k
2018: €311k
2019: €328k
2020: €363k
2021: €447k
2022: €476k
2023: €727k
2024: €733k
2018 → 2025
Net result
€6k▼ 12.6%
2024 · €6k
2018: €-118
2019: €17k
2020: €35k
2021: €84k
2022: €29k
2023: €251k
2024: €6k
2018 → 2025
Total assets
€2.32M▼ 5.8%
2024 · €2.47M
2018: €1.62M
2019: €1.53M
2020: €1.51M
2021: €1.54M
2022: €1.54M
2023: €2.30M
2024: €2.47M
2018 → 2025
Solvency
31.8%▲ 2.1pp
2024 · 29.7%
2018: 19.2%
2019: 21.4%
2020: 24.1%
2021: 29.1%
2022: 30.9%
2023: 31.6%
2024: 29.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€447k-€476k▲ 6.6%€727k▲ 52.6%€733k▲ 0.9%€739k▲ 0.8%
Operating result€124k-€82k▼ 34.0%€378k▲ 363%€51k▼ 86.5%€56k▲ 10.6%
Net result€84k-€29k▼ 65.1%€251k▲ 755%€6k▼ 97.4%€6k▼ 12.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.32M
Fixed assets
€1.97M ▼ 3.5%
Current assets
€348k ▼ 17.2%
Equity and liabilities €2.32M
Equity
€739k ▲ 0.8%
Provisions
€94k ▼ 0.5%
Debt
€1.49M ▼ 9.1%
Debt's share of the balance-sheet total falls from 66.4% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.8%▼
2024 · 0.9%
ROA
0.2%▼
2024 · 0.3%
Debt ≤ 1 year
€208k▼
2024 · €255k
Debt > 1 year
€1.28M▼
2024 · €1.38M
Income taxes
€266▲
2024 · €210
Staff costs
€99k▲
2024 · €74k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.47M€2.32M▼
Fixed assets21/28€2.05M€1.97M▼
Tangible fixed assets22/27€2.03M€1.96M▼
Land and buildings22€2.01M€1.94M▼
Plant, machinery and equipment23€1k€545▼
Furniture and vehicles24€528-
Assets under construction and advance payments27€15k€14k▼
Financial fixed assets28€16k€16k=
Current assets29/58€421k€348k▼
Amounts receivable within one year40/41€281k€225k▼
Trade receivables40€160k€102k▼
Other amounts receivable41€121k€123k▲
Cash at bank and in hand54/58€135k€123k▼
Deferred charges and accrued income490/1€5k€580▼
Equity and liabilities
Total equity and liabilities10/49€2.47M€2.32M▼
Equity10/15€733k€739k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€290k€289k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€284k€283k▼
Profit (loss) carried forward14€381k€388k▲
Provisions and deferred taxes16€95k€94k▼
Deferred taxes168€95k€94k▼
Amounts payable17/49€1.64M€1.49M▼
Amounts payable after more than one year17€1.38M€1.28M▼
Financial debts170/4€1.38M€1.28M▼
Amounts payable within one year42/48€255k€208k▼
Current portion of amounts payable after more than one year42€117k€99k▼
Trade debts44€41k€35k▼
Suppliers440/4€41k€35k▼
Advances received on contracts in progress46-€26k
Taxes, remuneration and social security45€30k€19k▼
Taxes450/3€30k€15k▼
Remuneration and social security454/9-€4k
Other amounts payable47/48€67k€30k▼
Income statement
Code20242025
Remuneration, social security and pensions62€74k€99k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€72k▲
Other operating charges640/8€3k€372▼
Gross operating margin9900€185k€227k▲
Operating profit (loss)9901€51k€56k▲
Financial income75/76B-€35
Recurring financial income75-€35
Financial charges65/66B€45k€51k▲
Recurring financial charges65€45k€51k▲
Profit (loss) for the period before taxes9903€6k€5k▼
Transfer from deferred taxes780€434€434=
Income taxes67/77€210€266▲
Profit (loss) for the period9904€6k€6k▼
Transfer from tax-exempt reserves789€1k€1k=
Profit (loss) for the period to be appropriated9905€8k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€381k€388k▲
Profit (loss) brought forward from the previous period14P€373k€381k▲
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (18 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 20 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €251k ▲755%
Operating result €378k, net result €251k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.91
Current ratio from 0.85 to 1.91; short-term debt falls from €287k to €223k.
31-12
Financial
Equity above €500kEq €727k ▲52.6%
5 profitable years in a row build equity to €727k.
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 19 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 18 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 17 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Alken · 1 establishment unit since 2004
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.
Laagdorp 23570 AlkenGround area
161 m²
Building footprint
151 m²
Volume, LiDAR
895 m³
Parcel 73302F0353/00K000, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERFIL
since 20042.135.901.495
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73302F0353/00K000 | Flanders | 161 m² | 1 · 151 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
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.
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ALESIA CAPITAL
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,255 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-06-2002
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.