Losses
-€77,182 in two years
The 2024 and 2025 financial years closed with a loss. 2024 was the heaviest.
BERLUCO
Lifetime
20 annual accounts with figures on one time axis, 21 filings since 2005peak €652,087 (2018)
€48,311▲ 386%
lowest -€60,259 (2024)
-€16,923▲ €43,336
peak €763,243 (2019)
€543,966▼ 3.0%
€170,785▼ 29.2%
peak 2.5 FTE (2015)
-not published
Board1 name since 2021
1 directorLuc BERLAMONT
Documentsfilings and deeds
15-06-202646 days before the deadline
2025micro format
Gross margin from €9,943 to €48,311Loss of €16,923Debts from €241,108 to €170,785Cash from €46,486 to €122,975
Key points
from the 2025 annual accountsLiquidity
3.79 was 2.20 in 2024
Short-term debts fell from €76,060 to €36,155.
Position in the sector
-€16,923
Lower net result than 91% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
Checked score
93
Excellent
Financially stronger than 48% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.2%▲ +0.1 percentage points vs 04-2025highest value
06-2025: < 0.1%▼ -0.2 percentage points vs 05-2025
07-2025: 0.1%▲ +0.1 percentage points vs 06-2025
08-2025: 0.1%● unchanged vs 07-2025
09-2025: 0.1%● unchanged vs 08-2025
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.1%● unchanged vs 03-2026
05-2026: 0.1%● unchanged vs 04-2026
06-2026: 0.1%● unchanged vs 05-2026
07-2026: < 0.1%▼ -0.1 percentage points vs 06-2026lowest value
08-2026: < 0.1%● unchanged vs 07-2026lowest value
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026lowest value
11-2026: < 0.1%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Loss of €16,923, the second in a row (financial year 2025)
lowers risk
Size: total assets €789,183
Liquidity: current ratio 3.79, cash €122,975
Sector: Activities of head offices; management consultancy activities (NACE 70)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 65% of them on solvency, 62% on liquidity, 30% on profitability and 34% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 8,617 companies had the same profile as BERLUCO has now. Each dot stands for 22 companies, two years later.
94.2%
were still trading
5.2%
stopped another way
0.4%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BERLUCO itself: < 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 8,617 companies, not a prediction for BERLUCO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €50,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.79 (2.2 in 2024), above the usual 1.5. Short-term debt is 4.6% and cash 15.6% of total assets. 31.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€16,923
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 days early
2024
35 days early
2023
44 days early
2022
18 days early
2021
24 days early
2020
31 days late
2019
21 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 16 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0862772438
Registered office moved from Ghent to Bassevelde
New registered office: Gravenstraat 23, 9968 Bassevelde · Previous registered office: Kortrijksesteenweg 302 bus A, 9000 Gent · Board meeting of 10-05-2023 · Gazette deed
Company renamed from ZAKENKANTOOR LUC BERLAMONT to BERLUCO
Change of role: Luc BERLAMONT, from manager to director · Capital conversion: €25,000 · Director discharge: Luc BERLAMONT (manager) · General meeting of 16-08-2021 · Gazette deed
Incorporation
published on 26-01-2004 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BERLUCO Assenede | €0.8m | €48,311 | 68.9% | - |
| FRESCO TRANS Roeselare | €0.8m | €54,062 | 73.6% | - |
| SOUTHFORK Oud-Turnhout | €0.8m | €44,340 | 50.8% | - |
| KRM Roeselare | €0.8m | €54,801 | 78.1% | - |
| Krist & Carol Kluisbergen | €0.7m | €63,618 | 61.6% | 0 |
| NEWHOUSE ACQUISITIONS & CONSULTING Liedekerke | €1.1m | €52,364 | 6.7% | - |
| FINIMMO Poperinge | €1.1m | €45,531 | 52.3% | - |
These companies have the same main activity as BERLUCO: activities of head offices (NACE 70100). They are comparable in size and age: total assets between €663,000 and €1.1m, founded between 2001 and 2009.
Official details
Source: KBO- Status
- Active since 19-01-2004Normal situation
- Activity
- Activities of head officesNACE 70100and 4 others
- Establishment unit
- 2.135.589.1179968 Assenede, since 08-01-2004
- Financial year end
- 31 December
- Peppol
- Reachable since 07-01-2024
Annual accounts 2025
- ≈ €140,000estimated
- €789,183▼ 10.2%
- Filing
- Filed on 15-06-2026, 46 days before the end of the filing period
Insights on BERLUCO
BERLUCO files the micro format. That format states no turnover. The gross margin fell from €166,029 in 2006 to €48,311 in 2025.
The balance sheet grew most from 2017 to 2019 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BERLUCO
- What is the company number of BERLUCO?
- The company number of BERLUCO is 0862.772.438. The VAT number is the same number with BE in front: BE 0862.772.438.
- Where is BERLUCO based?
- The registered office is at Gravenstraat 23, 9968 Assenede.Company details
- What does BERLUCO do?
- According to the KBO register, the main activity is activities of head offices (NACE 70100).
- What is the legal form of BERLUCO?
- BERLUCO is a private limited company (BV).
- When was BERLUCO founded?
- BERLUCO was founded on 19-01-2004.
- Is BERLUCO still active?
- Yes, BERLUCO is an active enterprise in the KBO register.
- How many employees does BERLUCO have?
- BERLUCO had an average of 0.9 full-time equivalents in financial year 2018, according to the filed annual accounts.Financials
- What is the turnover of BERLUCO?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €48,311 and 145 comparable companies (NACE 70). It probably lies between €85,000 and €190,000.
- Is BERLUCO profitable?
- In financial year 2025, BERLUCO made a loss of €16,923.
- Where can I find the annual accounts of BERLUCO?
- BERLUCO filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BERLUCO due?
- BERLUCO must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
See how customers, suppliers and banks see your own company and what to improve first.