BERGER - DRAYE
ActiveBERGER - DRAYE has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €2k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 67% of 11282 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▲+18
Solvency88▲+8
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 2.78 against 2.23 in 2024; short-term debt: 33.7% and cash: 25% of total assets), and 36.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
63.2%
Return on assets
0.9%
Age of the figures
9 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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
30 d late
2022
122 d late
2021
115 d late
2020
30 d late
2019
186 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▲ 1.5%
2024 · €149k
2018: €97k
2019: €85k
2020: €99k
2021: €123k
2022: €138k
2023: €156k
2024: €149k
2018 → 2025
Total assets
€239k▼ 11.4%
2024 · €270k
2018: €234k
2019: €195k
2020: €279k
2021: €246k
2022: €260k
2023: €268k
2024: €270k
2018 → 2025
Net result
€2k
2024 · €-7k
2018: €20k
2019: €-12k
2020: €14k
2021: €25k
2022: €15k
2023: €18k
2024: €-7k
2018 → 2025
Working capital
€143k▲ 8.2%
2024 · €133k
2018: €90k
2019: €78k
2020: €80k
2021: €102k
2022: €120k
2023: €137k
2024: €133k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€138k▲ 12.1%€156k▲ 12.8%€149k▼ 4.2%€151k▲ 1.5%
Operating result€37k-€21k▼ 41.5%€25k▲ 16.0%€-6k€7k
Net result€25k-€15k▼ 39.3%€18k▲ 18.6%€-7k€2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €239k
Fixed assets
€15k▼ 47.7%
Current assets
€224k▼ 6.9%
Equity and liabilities €239k
Equity
€151k▲ 1.5%
Debt
€88k▼ 27.2%
The debt ratio falls from 44.8% to 36.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▲
2024 · €12k
Cash flow
€18k▲
2024 · €11k
Solvency
63.2%▲
2024 · 55.2%
Current ratio
2.78▲
2024 · 2.23
Quick ratio
1.57▲
2024 · 1.36
Debt / equity
0.58▼
2024 · 0.81
ROE
1.5%▲
2024 · -4.4%
ROA
0.9%▲
2024 · -2.4%
Interest coverage
5.04▲
2024 · 3.42
Debt
€88k▼
2024 · €121k
Debt ≤ 1 year
€81k▼
2024 · €108k
Debt > 1 year
€7k▼
2024 · €13k
Income taxes
€143▼
2024 · €969
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€270k€239k▼
Fixed assets21/28€30k€15k▼
Tangible fixed assets22/27€30k€15k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€27k€13k▼
Current assets29/58€241k€224k▼
Stocks and contracts in progress3€93k€97k▲
Stocks30/36€93k€97k▲
Amounts receivable within one year40/41€84k€65k▼
Trade receivables40€76k€48k▼
Other amounts receivable41€8k€17k▲
Cash at bank and in hand54/58€61k€60k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€270k€239k▼
Equity10/15€149k€151k▲
Contributions10/11€15k€15k=
Reserves13€122k€122k=
Non-distributable reserves130/1€122k€122k=
Other1319€122k€122k=
Profit (loss) carried forward14€13k€15k▲
Amounts payable17/49€121k€88k▼
Amounts payable after more than one year17€13k€7k▼
Financial debts170/4€13k€7k▼
Amounts payable within one year42/48€108k€81k▼
Current portion of amounts payable after more than one year42€13k€6k▼
Trade debts44€41k€35k▼
Suppliers440/4€41k€35k▼
Advances received on contracts in progress46€11k-
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€8k▲
Other amounts payable47/48€39k€33k▼
Accrued charges and deferred income492/3-€193
Income statement
Code20242025
Non-recurring operating income76A-€39
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€16k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€549
Other operating charges640/8€4k€8k▲
Gross operating margin9900€16k€31k▲
Operating profit (loss)9901€-6k€7k▲
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€-6k€2k▲
Income taxes67/77€969€143▼
Profit (loss) for the period9904€-7k€2k▲
Profit (loss) for the period to be appropriated9905€-7k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€15k▲
Profit (loss) brought forward from the previous period14P€19k€13k▼
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-12
Financial
Equity above €150kEq €151k ▲1.5%
Equity rises from €149k to €151k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €156k ▲12.8%
4 profitable years in a row build equity to €156k.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
23-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 115 days late
2021
31-12
Financial
Highest result since 2018net €25k ▲75.3%
Operating result €37k, net result €25k, both a record.
31-12
Financial
Equity above €100kEq €123k ▲24.9%
2 profitable years in a row build equity to €123k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
02-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 186 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
2019
31-12
Financial
Weakest financial yearnet €-12k ▼162%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ottignies-Louvain-la-Neuve · 1 establishment unit since 2013
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.
Rue Vanderdilft 101341 Ottignies-Louvain-la-NeuveGround area
3,209 m²
Building footprint
178 m²
Volume, LiDAR
907 m³
Parcel 25016D0507/00K003, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERGER-DRAYE
since 20132.220.825.193
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25016D0507/00K003 | Wallonia | 3,209 m² | 1 · 178 m² | 7.7 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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Of 338 companies in sector 46713 we hold annual accounts for 204. 147 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2013
Fiscal year end31-12
Activities, NACEBEL
45194
46713Wholesale trade
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.