BERGEN
ActiveSummary
BERGEN has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€9,384) and a net result of -€17,239. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2075 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-50
Solvency0▼-43
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.63 against 0.78 in 2024; short-term debt: 140.3% and cash: 36.6% of total assets), and equity is negative.
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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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2025Solvency, return and age of the figures
Solvency
-40.3%
Return on assets
-74.1%
Age of the figures
12 mo
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€9,384
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
33 d early
2023
39 d early
2022
52 d early
2021
131 d early
2020
133 d early
2019
133 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 79 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€17,239▼ 94.9%
2024 · -€8,844
Working capital
-€12,109▼ 62.4%
2024 · -€7,454
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, 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
Line20212022202320242025
Operating result€22,897-€5€16,548-€8,496-€17,091▼ 101%
Net result€19,517within the sector's middle half-€978below the sector's middle half€11,309within the sector's middle half-€8,844below the sector's middle half-€17,239below the sector's middle half▼ 94.9%
Equity€6,332below the sector's middle half€5,355below the sector's middle half▼ 15.4%€16,664below the sector's middle half▲ 211%€7,819below the sector's middle half▼ 53.1%-€9,384below the sector's middle half
Total assets€121,786within the sector's middle half▲ 100%€77,905within the sector's middle half▼ 36.0%€82,485within the sector's middle half▲ 5.9%€42,409below the sector's middle half▼ 48.6%€23,277below the sector's middle half▼ 45.1%
Debt€115,454▲ 80.4%€72,550▼ 37.2%€65,821▼ 9.3%€34,589▼ 47.4%€32,661▼ 5.6%
Working capital-€22,228below the sector's middle half▼ 331%-€26,516below the sector's middle half▼ 19.3%-€10,159below the sector's middle half▲ 61.7%-€7,454below the sector's middle half▲ 26.6%-€12,109below the sector's middle half▼ 62.4%
Solvency5.2%below the sector's middle half▲ 10.4pp6.9%below the sector's middle half▲ 1.7pp20.2%below the sector's middle half▲ 13.3pp18.4%below the sector's middle half▼ 1.8pp-40.3%below the sector's middle half▼ 58.8pp
Current ratio0.72below the sector's middle half▼ 0.180.53below the sector's middle half▼ 0.190.84below the sector's middle half▲ 0.310.78below the sector's middle half▼ 0.060.63below the sector's middle half▼ 0.16
Return on assets (ROA)16.0%within the sector's middle half▲ 20.3pp-1.3%below the sector's middle half▼ 17.3pp13.7%within the sector's middle half▲ 15.0pp-20.9%below the sector's middle half▼ 34.6pp-74.1%below the sector's middle half▼ 53.2pp
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17,091 in 2025 against €8,496 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23,277
Fixed assets
€2,725 ▼ 82.2%
Current assets
€20,552 ▼ 24.3%
Key figures and ratios
EBITDA
-€3,480▼
2024 · €5,386
Cash flow
-€3,628▼
2024 · €5,037
Debt to equity
-3.48▼
2024 · 4.42
Interest coverage
-23.49▼
2024 · 14.60
Debt ≤ 1 year
€32,661▼
2024 · €34,589
Income taxes
-€0▼
2024 · €158
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,639 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.8%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% 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 497,662 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 6,639 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 | €16,897 | €19,118 | €19,395 | €13,882 | €13,612 | ▼ 1.9% |
| Other operating charges640/8 | - | €55 | €411 | €448 | €451 | ▲ 0.6% |
| Gross operating margin9900 | €39,848 | €19,168 | €36,354 | €5,834 | -€3,029 | ▼ 152% |
| Operating profit (loss)9901 | €22,897 | -€5 | €16,548 | -€8,496 | -€17,091 | ▼ 101% |
| Financial income75/76B | - | - | €77 | €179 | €0 | ▼ 100.0% |
| Recurring financial income75 | - | - | €77 | €179 | €0 | ▼ 100.0% |
| Financial charges65/66B | - | €694 | €399 | €369 | €148 | ▼ 59.8% |
| Recurring financial charges65 | €858 | €694 | €399 | €369 | €148 | ▼ 59.8% |
| Profit (loss) for the period before taxes9903 | €22,039 | -€699 | €16,226 | -€8,686 | -€17,240 | ▼ 98.5% |
| Income taxes67/77 | €2,523 | €278 | €4,918 | €158 | -€0 | ▼ 100% |
| Profit (loss) for the period9904 | €19,517 | -€978 | €11,309 | -€8,844 | -€17,239 | ▼ 94.9% |
| Profit (loss) for the period to be appropriated9905 | €19,517 | -€978 | €11,309 | -€8,844 | -€17,239 | ▼ 94.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €121,786 | €77,905 | €82,485 | €42,409 | €23,277 | ▼ 45.1% |
| Fixed assets21/28 | €65,594 | €48,550 | €29,155 | €15,274 | €2,725 | ▼ 82.2% |
| Tangible fixed assets22/27 | €65,594 | €48,550 | €29,155 | €15,274 | €2,725 | ▼ 82.2% |
| Furniture and vehicles24 | - | €48,550 | €29,155 | €15,274 | €2,725 | ▼ 82.2% |
| Current assets29/58 | €56,192 | €29,355 | €53,329 | €27,135 | €20,552 | ▼ 24.3% |
| Stocks and contracts in progress3 | €15,931 | - | €7,957 | €2,756 | €0 | ▼ 100% |
| Contracts in progress37 | - | - | €7,957 | €2,756 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €3,397 | €8,681 | €6,468 | €3,519 | €12,034 | ▲ 242% |
| Trade receivables40 | - | €7,300 | €3,481 | €1,849 | €10,763 | ▲ 482% |
| Other amounts receivable41 | - | €1,381 | €2,987 | €1,670 | €1,272 | ▼ 23.8% |
| Cash at bank and in hand54/58 | €36,864 | €20,674 | €38,904 | €20,860 | €8,518 | ▼ 59.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €121,786 | €77,905 | €82,485 | €42,409 | €23,277 | ▼ 45.1% |
| Equity10/15 | €6,332 | €5,355 | €16,664 | €7,819 | -€9,384 | ▼ 220% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | - | - | €10,464 | €10,464 | €10,464 | = |
| Distributable reserves133 | - | - | €10,464 | €10,464 | €10,464 | = |
| Profit (loss) carried forward14 | €132 | -€845 | - | -€8,844 | -€26,047 | ▼ 195% |
| Amounts payable17/49 | €115,454 | €72,550 | €65,821 | €34,589 | €32,661 | ▼ 5.6% |
| Amounts payable after more than one year17 | €37,034 | €16,320 | €2,332 | - | - | - |
| Financial debts170/4 | - | €16,320 | €2,332 | - | - | - |
| Amounts payable within one year42/48 | €78,420 | €55,870 | €63,489 | €34,589 | €32,661 | ▼ 5.6% |
| Current portion of amounts payable after more than one year42 | - | €20,714 | €13,988 | €2,332 | €0 | ▼ 100% |
| Trade debts44 | €37,810 | €18,921 | €38,402 | €17,170 | €18,921 | ▲ 10.2% |
| Suppliers440/4 | - | €18,921 | €38,402 | €17,170 | €18,921 | ▲ 10.2% |
| Advances received on contracts in progress46 | - | - | - | - | €500 | - |
| Taxes, remuneration and social security45 | - | €14,361 | €9,448 | €5,549 | €932 | ▼ 83.2% |
| Taxes450/3 | - | €1,870 | €7,314 | €3,386 | €932 | ▼ 72.5% |
| Remuneration and social security454/9 | - | €12,491 | €2,133 | €2,163 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €1,875 | €1,652 | €9,538 | €12,308 | ▲ 29.0% |
| Accrued charges and deferred income492/3 | - | €360 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €19,517 | -€978 | €11,309 | -€8,844 | -€17,239 | ▼ 94.9% |
| + Depreciation and write-downs630 | €16,897 | €19,118 | €19,395 | €13,882 | €13,612 | ▼ 1.9% |
| Operating cash flow (approximation) | €36,413 | €18,141 | €30,704 | €5,037 | -€3,628 | ▼ 172% |
| Investment in fixed assets (approximation) | - | -€2,075 | €0 | €0 | -€1,063 | - |
| Change in cash | - | -€16,190 | €18,230 | -€18,044 | -€12,342 | ▲ 31.6% |
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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet -€17,239
Net result drops to -€17,239, the lowest in the series.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €11,309
Net result €11,309 after one loss-making year.
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-09
Financial
Back to profitnet €19,517
Net result €19,517 after one loss-making year.
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
19-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Chaumont-Gistoux · 1 establishment unit since 1998
Ground area
462 m²
Building footprint
152 m²
Volume, LiDAR
809 m³
Parcel 25018B0323/00V002, Wallonia · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Gros Médart 27, 1325 Chaumont-Gistoux
since 19982.088.668.435
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25018B0323/00V002 | Wallonia | 462 m² | 1 · 152 m² | 7.0 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 8,576 companies in sector 43410 we hold annual accounts for 4,368. 1,995 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
Founded03-09-1998
Fiscal year end30-09
Activities, NACEBEL 2025
43410Roofing work
43221Plumbing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0464083236
Also
9925:BE0464083236
Registered
23-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.