BERGGOED 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 €4.74M and a net result of €177k. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 2385 sector peers (fiscal year 2025). The company has been active since 2006 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
Three signals. 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 29-08-2026, 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
29 d late
2024
26 d late
2023
27 d late
2022
31 d late
2021
29 d late
2020
25 d late
2019
31 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, full schema
Equity
€4.74M▲ 3.9%
2024 · €4.56M
2018: €745k
2019: €839k
2020: €1.08M
2021: €3.32M
2022: €3.81M
2023: €4.30M
2024: €4.56M
2018 → 2025
Net result
€177k▼ 32.8%
2024 · €263k
2018: €97k
2019: €95k
2020: €244k
2021: €2.24M
2022: €489k
2023: €488k
2024: €263k
2018 → 2025
Total assets
€8.13M▲ 5.3%
2024 · €7.72M
2018: €1.25M
2019: €1.24M
2020: €1.81M
2021: €6.69M
2022: €7.31M
2023: €7.61M
2024: €7.72M
2018 → 2025
Solvency
58.3%▼ 0.8pp
2024 · 59.1%
2018: 59.4%
2019: 67.9%
2020: 59.9%
2021: 49.6%
2022: 52.1%
2023: 56.5%
2024: 59.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.32M-€3.81M▲ 14.7%€4.30M▲ 12.8%€4.56M▲ 6.1%€4.74M▲ 3.9%
Operating result€327k-€88k▼ 73.0%€74k▼ 15.9%€-10k€-67k▼ 585%
Net result€2.24M-€489k▼ 78.1%€488k▼ 0.3%€263k▼ 46.1%€177k▼ 32.8%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €67k in 2025 against €10k 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 €8.13M
Fixed assets
€6.97M▼ 3.5%
Current assets
€1.16M▲ 133%
Equity and liabilities €8.13M
Equity
€4.74M▲ 3.9%
Debt
€3.39M▲ 7.4%
The debt ratio rises from 40.9% to 41.7%. Equity and debt are higher.
Key figures and ratios
Solvency
58.3%▼
2024 · 59.1%
ROE
3.7%▼
2024 · 5.8%
ROA
2.2%▼
2024 · 3.4%
Debt
€3.39M▲
2024 · €3.16M
Debt ≤ 1 year
€2.66M▲
2024 · €2.28M
Debt > 1 year
€736k▼
2024 · €873k
Income taxes
€298▼
2024 · €7k
Staff costs
€22k
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€7.72M€8.13M▲
Fixed assets21/28€7.22M€6.97M▼
Tangible fixed assets22/27€1.93M€1.92M▼
Land and buildings22€1.92M€1.86M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€8k€57k▲
Financial fixed assets28€5.28M€5.04M▼
Current assets29/58€501k€1.16M▲
Stocks and contracts in progress3€312k€347k▲
Stocks30/36€312k€347k▲
Amounts receivable within one year40/41€94k€756k▲
Trade receivables40€262€504▲
Other amounts receivable41€94k€756k▲
Cash at bank and in hand54/58€34k€20k▼
Deferred charges and accrued income490/1€61k€42k▼
Equity and liabilities
Total equity and liabilities10/49€7.72M€8.13M▲
Equity10/15€4.56M€4.74M▲
Contributions10/11€154k€154k=
Capital10€154k€154k=
Issued capital100€154k€154k=
Reserves13€4.41M€4.58M▲
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€4.39M€4.57M▲
Amounts payable17/49€3.16M€3.39M▲
Amounts payable after more than one year17€873k€736k▼
Financial debts170/4€873k€736k▼
Amounts payable within one year42/48€2.28M€2.66M▲
Current portion of amounts payable after more than one year42€159k€137k▼
Financial debts43€180k-
Credit institutions430/8€180k-
Trade debts44€4k€16k▲
Suppliers440/4€4k€16k▲
Taxes, remuneration and social security45€15k€10k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€10k€8k▼
Other amounts payable47/48€1.92M€2.49M▲
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Remuneration, social security and pensions62-€22k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€69k€74k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€65k€36k▼
Operating profit (loss)9901€-10k€-67k▼
Financial income75/76B€311k€674k▲
Recurring financial income75€311k€674k▲
Financial charges65/66B€31k€430k▲
Recurring financial charges65€31k€30k▼
Non-recurring financial charges66B-€400k
Profit (loss) for the period before taxes9903€270k€177k▼
Income taxes67/77€7k€298▼
Profit (loss) for the period9904€263k€177k▼
Profit (loss) for the period to be appropriated9905€263k€177k▼
Appropriation of the result
Profit (loss) to be appropriated9906€263k€177k▼
Transfer to equity691/2€263k€177k▼
To other reserves6921€263k€177k▼
Social balance
Average headcount (FTE)9087-0.4
The notes to these accounts (12 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €2.24M ▲818%
Operating result €327k, net result €2.24M, both a record.
31-12
Financial
Equity above €2MEq €3.32M ▲207%
4 profitable years in a row build equity to €3.32M.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Equity above €1MEq €1.08M ▲29%
3 profitable years in a row build equity to €1.08M.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €95k ▼2.2%
Net result drops to €95k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Deinze · 1 establishment unit since 2006
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.
Berg 299800 DeinzeGround area
958 m²
Building footprint
135 m²
Volume, LiDAR
772 m³
Parcel 44039A0137/00Z000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VERCOPRO
since 20062.155.692.762
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44039A0137/00Z000 | Flanders | 958 m² | 1 · 135 m² | 8.8 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 8,302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-06-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
82990Other business support services
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
74142
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:carl@berggoed.be
E-mail:tine@berggoed.be
Phone:0032479400194