BERGA
ActiveSummary
BERGA has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €356,932 and a net result of -€2,192. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 85% of 18537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability68=
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 9.83 against 9.12 in 2024; short-term debt: 6.7% and cash: 19% of total assets), and 22.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Four 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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
44 d early
2023
40 d early
2022
35 d early
2021
11 d early
2020
45 d early
2019
11 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 34 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€356,932▼ 0.6%
2024 · €359,124
Total assets
€461,821▼ 4.1%
2024 · €481,405
Net result
-€2,192▲ 17.9%
2024 · -€2,670
Working capital
€273,946▲ 0.8%
2024 · €271,797
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€977-€3,475▼ 256%€8,797-€4,899-€1,086▲ 77.8%
Net result-€3,442-€5,466▼ 58.8%€5,908-€2,670-€2,192▲ 17.9%
Equity€383,352▼ 0.9%€355,887▼ 7.2%€361,794▲ 1.7%€359,124▼ 0.7%€356,932▼ 0.6%
Total assets€584,359▲ 34.4%€521,418▼ 10.8%€504,342▼ 3.3%€481,405▼ 4.5%€461,821▼ 4.1%
Debt€201,006▲ 320%€165,532▼ 17.6%€142,548▼ 13.9%€122,281▼ 14.2%€104,889▼ 14.2%
Working capital€265,225▼ 16.2%€259,554▼ 2.1%€270,018▲ 4.0%€271,797▲ 0.7%€273,946▲ 0.8%
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 €1,086 in 2025 against €4,899 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461,821
Fixed assets
€156,840 ▼ 11.0%
Current assets
€304,981 ▼ 0.1%
Equity and liabilities €461,821
Equity
€356,932 ▼ 0.6%
Debt
€104,889 ▼ 14.2%
Debt's share of the balance-sheet total falls from 25.4% to 22.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€18,216▲
2024 · €14,403
Cash flow
€17,110▲
2024 · €16,632
Current ratio
9.83▲
2024 · 9.12
Quick ratio
4.66▲
2024 · 3.87
Debt to equity
0.29▼
2024 · 0.34
ROE
-0.6%▲
2024 · -0.7%
ROA
-0.5%▲
2024 · -0.6%
Interest coverage
20.04▲
2024 · 14.42
Debt ≤ 1 year
€31,035▼
2024 · €33,466
Debt > 1 year
€73,854▼
2024 · €88,815
Income taxes
€656▲
2024 · €432
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 8,594 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 94% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a small loss
0.4%
went bankrupt
5.2%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 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% | 1.6% |
| 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 74% 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 8,594 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32,879 | €36,435 | €19,302 | €19,302 | €19,302 | = |
| Other operating charges640/8 | €510 | €3,397 | €3,841 | €3,993 | €4,268 | ▲ 6.9% |
| Gross operating margin9900 | €32,413 | €36,357 | €31,940 | €18,396 | €22,484 | ▲ 22.2% |
| Operating profit (loss)9901 | -€977 | -€3,475 | €8,797 | -€4,899 | -€1,086 | ▲ 77.8% |
| Financial income75/76B | €11 | €26 | €1,891 | €3,659 | €459 | ▼ 87.5% |
| Recurring financial income75 | €11 | €26 | €1,891 | €3,659 | €459 | ▼ 87.5% |
| Financial charges65/66B | €931 | €1,448 | €1,033 | €999 | €909 | ▼ 9.0% |
| Recurring financial charges65 | €931 | €1,448 | €1,033 | €999 | €909 | ▼ 9.0% |
| Profit (loss) for the period before taxes9903 | -€1,896 | -€4,897 | €9,655 | -€2,238 | -€1,536 | ▲ 31.4% |
| Income taxes67/77 | €1,545 | €569 | €3,747 | €432 | €656 | ▲ 51.8% |
| Profit (loss) for the period9904 | -€3,442 | -€5,466 | €5,908 | -€2,670 | -€2,192 | ▲ 17.9% |
| Profit (loss) for the period to be appropriated9905 | -€3,442 | -€5,466 | €5,908 | -€2,670 | -€2,192 | ▲ 17.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €584,359 | €521,418 | €504,342 | €481,405 | €461,821 | ▼ 4.1% |
| Fixed assets21/28 | €251,181 | €214,746 | €195,444 | €176,142 | €156,840 | ▼ 11.0% |
| Tangible fixed assets22/27 | €251,181 | €214,746 | €195,444 | €176,142 | €156,840 | ▼ 11.0% |
| Land and buildings22 | €210,540 | €196,296 | €182,052 | €167,808 | €153,563 | ▼ 8.5% |
| Plant, machinery and equipment23 | €23,932 | €18,450 | €13,392 | €8,335 | €3,277 | ▼ 60.7% |
| Furniture and vehicles24 | €16,709 | - | - | - | - | - |
| Current assets29/58 | €333,178 | €306,672 | €308,898 | €305,263 | €304,981 | ▼ 0.1% |
| Stocks and contracts in progress3 | €169,003 | €157,321 | €140,363 | €175,903 | €160,296 | ▼ 8.9% |
| Stocks30/36 | €169,003 | €157,321 | €140,363 | €175,903 | €160,296 | ▼ 8.9% |
| Amounts receivable within one year40/41 | €4,159 | €5,710 | €3,892 | €2,460 | €1,247 | ▼ 49.3% |
| Trade receivables40 | €2,704 | €4,255 | €3,892 | €2,460 | €1,247 | ▼ 49.3% |
| Other amounts receivable41 | €1,455 | €1,455 | - | - | - | - |
| Current investments50/53 | - | - | €70,000 | - | €50,000 | - |
| Cash at bank and in hand54/58 | €155,508 | €138,912 | €89,749 | €121,748 | €87,946 | ▼ 27.8% |
| Deferred charges and accrued income490/1 | €4,508 | €4,730 | €4,894 | €5,153 | €5,492 | ▲ 6.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €584,359 | €521,418 | €504,342 | €481,405 | €461,821 | ▼ 4.1% |
| Equity10/15 | €383,352 | €355,887 | €361,794 | €359,124 | €356,932 | ▼ 0.6% |
| Contributions10/11 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Outside capital11 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Other1109/19 | €24,789 | €24,789 | €24,789 | €24,789 | €24,789 | = |
| Reserves13 | €358,563 | €331,097 | €337,005 | €334,335 | €332,143 | ▼ 0.7% |
| Tax-exempt reserves132 | €2,273 | €2,273 | €2,273 | €2,273 | €2,273 | = |
| Distributable reserves133 | €356,290 | €328,824 | €334,732 | €332,062 | €329,870 | ▼ 0.7% |
| Amounts payable17/49 | €201,006 | €165,532 | €142,548 | €122,281 | €104,889 | ▼ 14.2% |
| Amounts payable after more than one year17 | €133,053 | €118,414 | €103,668 | €88,815 | €73,854 | ▼ 16.8% |
| Financial debts170/4 | €133,053 | €118,414 | €103,668 | €88,815 | €73,854 | ▼ 16.8% |
| Amounts payable within one year42/48 | €67,953 | €47,118 | €38,880 | €33,466 | €31,035 | ▼ 7.3% |
| Current portion of amounts payable after more than one year42 | €14,534 | €14,640 | €14,746 | €14,853 | €14,961 | ▲ 0.7% |
| Trade debts44 | €15,614 | €11,697 | €7,930 | €10,296 | €9,086 | ▼ 11.8% |
| Suppliers440/4 | €15,614 | €11,697 | €7,930 | €10,296 | €9,086 | ▼ 11.8% |
| Taxes, remuneration and social security45 | €14,600 | €7,599 | €14,784 | €5,682 | €5,739 | ▲ 1.0% |
| Taxes450/3 | €14,600 | €7,599 | €14,784 | €5,682 | €5,739 | ▲ 1.0% |
| Other amounts payable47/48 | €23,204 | €13,183 | €1,420 | €2,635 | €1,249 | ▼ 52.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€3,442 | -€5,466 | €5,908 | -€2,670 | -€2,192 | ▲ 17.9% |
| + Depreciation and write-downs630 | €32,879 | €36,435 | €19,302 | €19,302 | €19,302 | = |
| Operating cash flow (approximation) | €29,437 | €30,969 | €25,209 | €16,632 | €17,110 | ▲ 2.9% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€16,596 | -€49,163 | €31,999 | -€33,802 | ▼ 206% |
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
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €5,908
Net result €5,908 after 2 loss-making years.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€5,466
Net result drops to -€5,466, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
16-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Temse · 2 establishment units since 1987
Ground area
759 m²
Building footprint
758 m²
Volume, LiDAR
4,406 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
BERGA
since 19872.032.093.778
BERGA
since 20052.145.094.028
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D0360/00V004 | Flanders | 520 m² | 1 · 529 m² | 10.3 m · 2 fl. |
| 46020E0205/00S000 | Flanders | 239 m² | 1 · 229 m² | 10.9 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Similar companies · same sector, comparable size
TIMMERMANS
BE 0451.022.383
Sint-Niklaas · Eq €357,580
DIFFUSION ET MANAGEMENT
BE 0647.819.745
Bastogne · Eq €359,319
RITROVO
BE 1000.493.038
Antwerpen · Eq €361,837
REFRAMET
BE 0433.461.524
Ham-sur-Heure-Nalinnes · Eq €362,114
SCHOENEN FRAIKIN
BE 0438.623.508
Bilzen-Hoeselt · Eq €346,491
Of 1,035 companies in sector 47721 we hold annual accounts for 582. 410 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
Founded09-04-1987
Fiscal year end31-12
Activities, NACEBEL 2025
47721Retail sale of footwear
E-invoicing
Reachable via Peppol
Peppol ID
0208:0430917649
Also
9925:BE0430917649
Registered
05-11-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.