BERGHMANS J & D
ActiveSummary
BERGHMANS J & D has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.20M and a net result of €156k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 960 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+3
Solvency92▼-6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 3.32 against 4.38 in 2024; short-term debt: 21.5% and cash: 46.5% of total assets), and 32.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 52
Relative position
BE, all sectors
reference
Sector 52
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
67.5%
Return on assets
8.8%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-08-2026, 8 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
8 d late
2024
41 d early
2023
19 d late
2022
26 d early
2021
23 d late
2020
20 d late
2019
87 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, micro schema
Equity
€1.20M▲ 15.0%
2024 · €1.04M
2018: €544k
2019: €595k
2020: €664k
2021: €656k
2022: €840k
2023: €947k
2024: €1.04M
2018 → 2025
Total assets
€1.78M▲ 24.2%
2024 · €1.43M
2018: €895k
2019: €914k
2020: €1.07M
2021: €1.06M
2022: €1.30M
2023: €1.36M
2024: €1.43M
2018 → 2025
Net result
€156k▲ 61.4%
2024 · €97k
2018: €82k
2019: €51k
2020: €69k
2021: €-8k
2022: €183k
2023: €107k
2024: €97k
2018 → 2025
Working capital
€888k▲ 43.4%
2024 · €619k
2018: €51k
2019: €154k
2020: €161k
2021: €157k
2022: €398k
2023: €496k
2024: €619k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€656k-€840k▲ 27.9%€947k▲ 12.8%€1.04M▲ 10.2%€1.20M▲ 15.0%
Operating result€5k-€271k▲ 5,896%€152k▼ 43.7%€138k▼ 9.7%€227k▲ 65.1%
Net result€-8k-€183k€107k▼ 41.3%€97k▼ 9.8%€156k▲ 61.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 65% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.78M
Fixed assets
€508k ▼ 19.3%
Current assets
€1.27M ▲ 58.4%
Equity and liabilities €1.78M
Equity
€1.20M ▲ 15.0%
Debt
€578k ▲ 49.1%
Debt's share of the balance-sheet total rises from 27.1% to 32.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€264k▲
2024 · €219k
Cash flow
€194k▲
2024 · €178k
Current ratio
3.32▼
2024 · 4.38
Quick ratio
3.31▼
2024 · 4.36
Debt to equity
0.48▲
2024 · 0.37
ROE
13.0%▲
2024 · 9.3%
ROA
8.8%▲
2024 · 6.8%
Interest coverage
18.52▲
2024 · 14.96
Debt ≤ 1 year
€383k▲
2024 · €183k
Debt > 1 year
€195k▼
2024 · €205k
Income taxes
€64k▲
2024 · €37k
Staff costs
€47k▼
2024 · €63k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.43M€1.78M▲
Fixed assets21/28€629k€508k▼
Tangible fixed assets22/27€629k€508k▼
Land and buildings22€440k€422k▼
Plant, machinery and equipment23€5k€5k▼
Furniture and vehicles24€184k€81k▼
Current assets29/58€802k€1.27M▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€82k€435k▲
Trade receivables40€81k€435k▲
Other amounts receivable41€839-
Cash at bank and in hand54/58€702k€826k▲
Deferred charges and accrued income490/1€14k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.43M€1.78M▲
Equity10/15€1.04M€1.20M▲
Contributions10/11€230k€230k=
Reserves13€822k€978k▲
Tax-exempt reserves132€30k€30k=
Distributable reserves133€792k€948k▲
Profit (loss) carried forward14€-8k€-8k=
Amounts payable17/49€388k€578k▲
Amounts payable after more than one year17€205k€195k▼
Financial debts170/4€205k€195k▼
Amounts payable within one year42/48€183k€383k▲
Trade debts44€15k€216k▲
Suppliers440/4€15k€216k▲
Taxes, remuneration and social security45€33k€28k▼
Taxes450/3€21k€17k▼
Remuneration and social security454/9€13k€11k▼
Other amounts payable47/48€134k€139k▲
Income statement
Code20242025
Non-recurring operating income76A€19k€31k▲
Remuneration, social security and pensions62€63k€47k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€81k€37k▼
Other operating charges640/8€6k€11k▲
Non-recurring operating charges66A€425€5k▲
Gross operating margin9900€289k€328k▲
Operating profit (loss)9901€138k€227k▲
Financial income75/76B€11k€8k▼
Recurring financial income75€11k€8k▼
Financial charges65/66B€15k€14k▼
Recurring financial charges65€15k€14k▼
Profit (loss) for the period before taxes9903€134k€221k▲
Income taxes67/77€37k€64k▲
Profit (loss) for the period9904€97k€156k▲
Profit (loss) for the period to be appropriated9905€97k€156k▲
Appropriation of the result
Profit (loss) to be appropriated9906€89k€148k▲
Profit (loss) brought forward from the previous period14P€-8k€-8k=
Transfer to equity691/2€97k€156k▲
To other reserves6921€97k€156k▲
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
08-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 8 days late
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €1MEq €1.04M ▲10.2%
3 profitable years in a row build equity to €1.04M.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 19 days late
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €183k
Net result €183k after one loss-making year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Weakest financial yearnet €-8k ▼111%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Lommel · 1 establishment unit since 2008
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.
Heide 1093920 LommelGround area
2,087 m²
Building footprint
300 m²
Volume, LiDAR
1,233 m³
Parcel 72342A0256/00K000, Flanders · tallest building 7.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BERGHMANS J & D
since 20082.171.309.564
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72342A0256/00K000 | Flanders | 2,087 m² | 1 · 300 m² | 7.7 m · 1 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.
Recognitions · licences · registrations
Dual-learning approval
2 endedOnderhouds- en diagnosetechnicus personenwagens en lichte bedrijfsvoertuigen (so)
Polyvalent mecanicien personenwagens en lichte bedrijfsvoertuigen (so)
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Of 1,725 companies in sector 52210 we hold annual accounts for 771. 378 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 formPrivate limited company
Founded21-05-2008
Fiscal year end31-12
Activities, NACEBEL 2025
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
52210Service activities incidental to land transportation
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
95319Other maintenance and repair of motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.