Bergmann Catering

Active

Private limited companyfounded 20196 yrs activeTenhoutse Heiweg 21, 3530 Houthalen-Helchteren, BelgiumKBO/BCE: BE 0734.957.617

The computed 12-month bankruptcy probability of Bergmann Catering is 2.9% (moderate). The 2025 annual accounts show equity of €158k and a net result of €39k. Equity is growing by ~26.1% per year across the filed fiscal years. Its solvency ranks better than 58% of 13240 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

58 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability81▼-13

Solvency65▼-29

Growth78=

Track record100

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €9k at 30 days acceptable

Liquidity short (current ratio 0.77 against 5.2 in 2024; short-term debt: 23.7% and cash: 1% of total assets), and 60.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

39.6%

Return on assets

9.8%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-06-2026, 60 days ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

60 d early

2024

31 d early

2023

34 d early

2022

34 d early

2021

31 d late

2020

31 d early

← before the deadline after the deadline →

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 months

Position in the running window

21-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€158k▼ 22.3%

2024 · €204k

2020: €34k 2021: €87k 2022: €97k 2023: €145k 2024: €204k

2020 → 2025

Total assets

€399k▲ 35.4%

2024 · €295k

2020: €59k 2021: €229k 2022: €266k 2023: €253k 2024: €295k

2020 → 2025

Net result

€39k▼ 34.3%

2024 · €59k

2020: €31k 2021: €53k 2022: €41k 2023: €49k 2024: €59k

2020 → 2025

Working capital

€-21k

2024 · €124k

2020: €27k 2021: €41k 2022: €25k 2023: €71k 2024: €124k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€87k-€97k▲ 12.1%€145k▲ 49.8%€204k▲ 40.2%€158k▼ 22.3%

Operating result€76k-€55k▼ 27.3%€70k▲ 26.9%€87k▲ 24.9%€60k▼ 31.1%

Net result€53k-€41k▼ 23.0%€49k▲ 21.4%€59k▲ 20.7%€39k▼ 34.3%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 31% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €399k

81.6%

18.4%

Fixed assets €326k▲ 131%

Current assets €73k▼ 52.2%

Equity and liabilities €399k

39.6%

60.4%

Equity €158k▼ 22.3%

Debt €241k▲ 165%

The debt ratio rises from 30.9% to 60.4%. Equity is lower and debt is higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€66k▼

2024 · €91k

Cash flow

€45k▼

2024 · €64k

Solvency

39.6%▼

2024 · 69.1%

Current ratio

0.77▼

2024 · 5.20

Quick ratio

0.77▼

2024 · 5.20

Debt / equity

1.52▲

2024 · 0.45

ROE

24.6%▼

2024 · 29.1%

ROA

9.8%▼

2024 · 20.1%

Interest coverage

16.60▼

2024 · 44.21

Debt

€241k▲

2024 · €91k

Debt ≤ 1 year

€95k▲

2024 · €30k

Debt > 1 year

€142k▲

2024 · €58k

Income taxes

€19k▼

2024 · €29k

Staff costs

€6k▲

2024 · €6k

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€295k€399k▲

Fixed assets21/28€141k€326k▲

Tangible fixed assets22/27€141k€326k▲

Land and buildings22€130k€313k▲

Plant, machinery and equipment23€10k€6k▼

Furniture and vehicles24€1k€7k▲

Current assets29/58€154k€73k▼

Amounts receivable after more than one year29€25k€25k=

Other amounts receivable291€25k€25k=

Amounts receivable within one year40/41€37k€18k▼

Trade receivables40€660€10k▲

Other amounts receivable41€36k€8k▼

Current investments50/53€70k€25k▼

Cash at bank and in hand54/58€19k€4k▼

Deferred charges and accrued income490/1€3k€2k▼

Equity and liabilities

Total equity and liabilities10/49€295k€399k▲

Equity10/15€204k€158k▼

Contributions10/11€3k€3k=

Reserves13€201k€155k▼

Distributable reserves133€201k€155k▼

Amounts payable17/49€91k€241k▲

Amounts payable after more than one year17€58k€142k▲

Financial debts170/4€58k€142k▲

Amounts payable within one year42/48€30k€95k▲

Current portion of amounts payable after more than one year42€10k€34k▲

Financial debts43€7k€7k▲

Other loans439€7k€7k▲

Trade debts44€3k€19k▲

Suppliers440/4€3k€19k▲

Taxes, remuneration and social security45€9k€9k▲

Taxes450/3€8k€9k▲

Remuneration and social security454/9€290€314▲

Other amounts payable47/48€900€26k▲

Accrued charges and deferred income492/3€3k€4k▲

Income statement Code20242025

Non-recurring operating income76A-€1k

Remuneration, social security and pensions62€6k€6k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲

Other operating charges640/8€1k€15k▲

Gross operating margin9900€99k€88k▼

Operating profit (loss)9901€87k€60k▼

Financial income75/76B€3k€2k▼

Recurring financial income75€3k€2k▼

Financial charges65/66B€2k€4k▲

Recurring financial charges65€2k€4k▲

Profit (loss) for the period before taxes9903€88k€58k▼

Income taxes67/77€29k€19k▼

Profit (loss) for the period9904€59k€39k▼

Profit (loss) for the period to be appropriated9905€59k€39k▼

Appropriation of the result

Profit (loss) to be appropriated9906€59k€39k▼

Transfer from equity791/2-€84k

Transfer to equity691/2€58k€38k▼

To other reserves6921€58k€38k▼

Profit to be distributed694/7€900€84k▲

Return on contributions (dividend)694€900€84k▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 10Financial 4Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

01-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2020net €59k ▲20.7%

Operating result €87k, net result €59k, both a record.

31-12

Financial Equity above €200kEq €204k ▲40.2%

5 profitable years in a row build equity to €204k.

27-06

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Liquidity doublescurrent ratio 2.97

Current ratio from 1.28 to 2.97; short-term debt falls from €90k to €36k.

31-12

Financial Equity above €100kEq €145k ▲49.8%

4 profitable years in a row build equity to €145k.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 31 days late

2021

30-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

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, Houthalen-Helchteren · 1 establishment unit since 2019

establishment The establishment unit on the map

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.

Tenhoutse Heiweg 213530 Houthalen-Helchteren

Ground area

1,720 m²

Building footprint

254 m²

Volume, LiDAR

2,190 m³

Parcel 72452E0261/00Y000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

Bergmann Catering

Tenhoutse Heiweg 21, 3530 Houthalen-HelchterenEvent catering

since 20192.294.012.089

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72452E0261/00Y000	Flanders	1,720 m²	1 · 254 m²	12.2 m · 3 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.

Similar companies · same sector, comparable size

LES NOUVELLES SAVEURS

BE 0823.131.211

Saint-Ghislain · Eq €158k

Gaufre’tje

BE 0769.729.741

Heist-op-den-Berg · Eq €159k

Of 7,504 companies in sector 56210 we hold annual accounts for 2,444. 1,845 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded26-09-2019

Fiscal year end31-12

Abbreviation NL B.C.

Activities, NACEBEL

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 6 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.