BERKCO
ActiveSummary
BERKCO has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €450k and a net result of €49k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 982 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▼-13
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 10.18 against 8.11 in 2024; short-term debt: 9.8% and cash: 32.7% of total assets), and 9.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90.2%
Return on assets
9.9%
Age of the figures
12 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
higher
← fewer bankruptcies
more bankruptcies →
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 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
9 d early
2023
8 d early
2022
20 d early
2021
19 d early
2020
1 d late
2019
40 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€450k▼ 0.2%
2024 · €451k
2018: €117k
2019: €283k
2020: €272k
2021: €317k
2022: €351k
2023: €406k
2024: €451k
2018 → 2025
Total assets
€499k▼ 2.9%
2024 · €514k
2018: €259k
2019: €440k
2020: €403k
2021: €392k
2022: €404k
2023: €485k
2024: €514k
2018 → 2025
Net result
€49k▼ 53.1%
2024 · €105k
2018: €-42k
2019: €166k
2020: €-11k
2021: €45k
2022: €34k
2023: €54k
2024: €105k
2018 → 2025
Working capital
€448k▲ 0.2%
2024 · €447k
2018: €120k
2019: €213k
2020: €234k
2021: €310k
2022: €362k
2023: €437k
2024: €447k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€317k-€351k▲ 10.7%€406k▲ 15.4%€451k▲ 11.1%€450k▼ 0.2%
Operating result€62k-€48k▼ 22.6%€75k▲ 56.3%€144k▲ 93.8%€100k▼ 30.8%
Net result€45k-€34k▼ 24.6%€54k▲ 59.7%€105k▲ 93.9%€49k▼ 53.1%
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 €499k
Fixed assets
€2k ▼ 39.3%
Current assets
€497k ▼ 2.6%
Equity and liabilities €499k
Equity
€450k ▼ 0.2%
Debt
€49k ▼ 22.4%
Debt's share of the balance-sheet total falls from 12.2% to 9.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€101k▼
2024 · €147k
Cash flow
€51k▼
2024 · €108k
Current ratio
10.18▲
2024 · 8.11
Debt to equity
0.11▼
2024 · 0.14
ROE
11.0%▼
2024 · 23.3%
ROA
9.9%▼
2024 · 20.5%
Interest coverage
126.03▼
2024 · 727.28
Debt ≤ 1 year
€49k▼
2024 · €63k
Income taxes
€50k▲
2024 · €39k
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€514k€499k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€3k€1k▼
Plant, machinery and equipment23€2k€913▼
Furniture and vehicles24€813€499▼
Financial fixed assets28€780€780=
Current assets29/58€510k€497k▼
Amounts receivable within one year40/41€397k€332k▼
Trade receivables40€393k€327k▼
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€105k€163k▲
Deferred charges and accrued income490/1€8k€2k▼
Equity and liabilities
Total equity and liabilities10/49€514k€499k▼
Equity10/15€451k€450k▼
Contributions10/11€20k€20k=
Outside capital11€20k€20k=
Other1109/19€20k€20k=
Reserves13€112k€112k=
Distributable reserves133€112k€112k=
Profit (loss) carried forward14€319k€318k▼
Amounts payable17/49€63k€49k▼
Amounts payable within one year42/48€63k€49k▼
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€57k€34k▼
Taxes450/3€57k€34k▼
Other amounts payable47/48€2k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€4k€503▼
Gross operating margin9900€151k€102k▼
Operating profit (loss)9901€144k€100k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€203€805▲
Recurring financial charges65€203€805▲
Profit (loss) for the period before taxes9903€144k€99k▼
Income taxes67/77€39k€50k▲
Profit (loss) for the period9904€105k€49k▼
Profit (loss) for the period to be appropriated9905€105k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€379k€368k▼
Profit (loss) brought forward from the previous period14P€274k€319k▲
Profit to be distributed694/7€60k€50k▼
Return on contributions (dividend)694€60k€50k▼
The notes to these accounts (4 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
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 6.85
Current ratio from 2.98 to 6.85; short-term debt falls from €118k to €53k.
01-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
30-09
Financial
Back to profitnet €166k
Net result €166k after one loss-making year.
30-09
Financial
Equity above €200kEq €283k ▲141%
Equity rises from €117k to €283k.
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Gent · 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.
Frans van Ryhovelaan 1679000 GentGround area
91 m²
Building footprint
71 m²
Volume, LiDAR
547 m³
Parcel 44810K0335/00N000, Flanders · tallest building 9.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Frans van Ryhovelaan 167, 9000 Gent
since 20132.217.321.218
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44810K0335/00N000 | Flanders | 91 m² | 1 · 71 m² | 9.9 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
VANHOOREN AANNEMINGSBEDRIJF
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INFRASTRUCTURE ET CONSTRUCTION EN ABREGE IN & CO
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StG
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SRL DUBOIS
BE 0844.920.577
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Of 2,327 companies in sector 42110 we hold annual accounts for 1,097. 790 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
Founded18-02-2013
Fiscal year end30-09
Activities, NACEBEL 2025
42110Construction of roads and motorways
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.