BERGSTEEN
ActiveBERGSTEEN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €63k. Equity is shrinking by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+42
Solvency64▲+8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.68 in 2024; short-term debt: 57.8% and cash: 9.3% of total assets), and 60.8% of the assets are financed with debt.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
39.2%
Return on assets
31.8%
Age of the figures
15 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-02-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
18 d late
2023
on the day
2022
on the day
2021
1 d late
2020
19 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k=
2024 · €78k
2019: €140k
2020: €191k
2021: €284k
2022: €232k
2023: €128k
2024: €78k
2019 → 2025
Total assets
€198k▼ 22.2%
2024 · €254k
2019: €450k
2020: €461k
2021: €497k
2022: €391k
2023: €337k
2024: €254k
2019 → 2025
Net result
€63k▲ 44.9%
2024 · €43k
2019: €115k
2020: €51k
2021: €93k
2022: €-52k
2023: €-8k
2024: €43k
2019 → 2025
Working capital
€6k▼ 93.7%
2024 · €101k
2019: €2k
2020: €15k
2021: €407k
2022: €316k
2023: €181k
2024: €101k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€284k-€232k▼ 18.4%€128k▼ 45.0%€78k▼ 39.2%€78k=
Operating result€24k-€-52k€-18k▲ 64.7%€1k€63k▲ 4,671%
Net result€93k-€-52k€-8k▲ 85.3%€43k€63k▲ 44.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 4,671% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €198k
Fixed assets
€77k▲ 2,034%
Current assets
€121k▼ 51.8%
Equity and liabilities €198k
Equity
€78k=
Debt
€120k▼ 31.9%
The debt ratio falls from 69.5% to 60.8%. Debt is lower.
Key figures and ratios
EBITDA
€64k▲
2024 · €5k
Cash flow
€64k▲
2024 · €47k
Solvency
39.2%▲
2024 · 30.5%
Current ratio
1.06▼
2024 · 1.68
Quick ratio
1.06▼
2024 · 1.68
Debt / equity
1.55▼
2024 · 2.28
ROE
81.0%▲
2024 · 55.9%
ROA
31.8%▲
2024 · 17.1%
Interest coverage
34.46▲
2024 · 2.10
Debt
€120k▼
2024 · €177k
Debt ≤ 1 year
€114k▼
2024 · €149k
Debt > 1 year
€3k▼
2024 · €25k
Income taxes
€352▲
2024 · €267
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€254k€198k▼
Fixed assets21/28€4k€77k▲
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Financial fixed assets28-€75k
Current assets29/58€250k€121k▼
Amounts receivable after more than one year29€137k€37k▼
Other amounts receivable291€137k€37k▼
Amounts receivable within one year40/41€21k€36k▲
Trade receivables40€19k€36k▲
Other amounts receivable41€2k-
Current investments50/53€27k€27k=
Cash at bank and in hand54/58€61k€18k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€254k€198k▼
Equity10/15€78k€78k=
Contributions10/11€25k€25k=
Reserves13€53k€53k=
Distributable reserves133€53k€53k=
Amounts payable17/49€177k€120k▼
Amounts payable after more than one year17€25k€3k▼
Financial debts170/4€25k€3k▼
Amounts payable within one year42/48€149k€114k▼
Current portion of amounts payable after more than one year42€36k€22k▼
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€2k€9k▲
Taxes450/3€2k€9k▲
Other amounts payable47/48€106k€79k▼
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€6k€66k▲
Operating profit (loss)9901€1k€63k▲
Financial income75/76B€45k€2k▼
Recurring financial income75€45k€2k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€44k€63k▲
Income taxes67/77€267€352▲
Profit (loss) for the period9904€43k€63k▲
Profit (loss) for the period to be appropriated9905€43k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€43k€63k▲
Transfer from equity791/2€50k-
Profit to be distributed694/7€93k€63k▼
Return on contributions (dividend)694€93k€63k▼
The notes to these accounts (7 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
27-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-06
Financial
Back to profitnet €43k
Net result €43k after 2 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-52k ▼156%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 1 day late
2021
30-06
Financial
Liquidity times 5current ratio 6.64
Current ratio from 1.32 to 6.64.
30-06
Financial
Equity above €200kEq €284k ▲49%
3 profitable years in a row build equity to €284k.
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €150kEq €191k ▲36.4%
2 profitable years in a row build equity to €191k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
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, Hove · 1 establishment unit since 2018
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.
Groenenborglei 282540 HoveGround area
808 m²
Building footprint
618 m²
Volume, LiDAR
11,176 m³
2 parcels, Flanders · tallest building 28.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
BERGSTEEN
since 20182.277.118.550
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2981/00G000 | Flanders | 594 m² | 1 · 530 m² | 28.6 m · 8 fl. |
| 11021A0036/00Z006 | Flanders | 214 m² | 1 · 88 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 165 EUR awarded · 165 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 165 EUR | 165 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
MEBIT
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Heusdens Orthopedie
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JENS
BE 1006.653.132
Lier · Eq €78k
NAHECA
BE 0832.095.001
La Bruyère · Eq €77k
FR CONSULTING
BE 0795.410.688
Grimbergen · Eq €78k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 39,977 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2018
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.