BERMA
ActiveSummary
BERMA has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-84k) and a net result of €-7k. Equity is shrinking by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 5% of 19356 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability1▼-49
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.0 against 0.0 in 2023; short-term debt: 280.5% and cash: 0.1% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-180.5%
Return on assets
-14.4%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← 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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-84k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
100 d early
2022
12 d early
2021
62 d early
2020
19 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€-84k▼ 8.7%
2023 · €-77k
2018: €-34khighest in 7 years
2019: €-42k▼ -23.8% vs 2018
2020: €-46k▼ -10.6% vs 2019
2021: €-57k▼ -22.4% vs 2020
2022: €-69k▼ -21.7% vs 2021
2023: €-77k▼ -12.3% vs 2022
2024: €-84k▼ -8.7% vs 2023lowest in 7 years
2018 → 2024
Total assets
€47k▼ 10.6%
2023 · €52k
2018: €112khighest in 7 years
2019: €100k▼ -11.3% vs 2018
2020: €94k▼ -5.9% vs 2019
2021: €81k▼ -13.8% vs 2020
2022: €69k▼ -14.4% vs 2021
2023: €52k▼ -24.8% vs 2022
2024: €47k▼ -10.6% vs 2023lowest in 7 years
2018 → 2024
Net result
€-7k▲ 20.8%
2023 · €-8k
2018: €-6k
2019: €-8k▼ -41.8% vs 2018
2020: €-4k▲ +44.8% vs 2019highest in 7 years
2021: €-10k▼ -133% vs 2020
2022: €-12k▼ -18.7% vs 2021lowest in 7 years
2023: €-8k▲ +30.9% vs 2022
2024: €-7k▲ +20.8% vs 2023
2018 → 2024
Working capital
€-131k▼ 1.1%
2023 · €-129k
2018: €-141klowest in 7 years
2019: €-138k▲ +2.5% vs 2018
2020: €-134k▲ +2.3% vs 2019
2021: €-133k▲ +1.2% vs 2020
2022: €-133k▼ -0.2% vs 2021
2023: €-129k▲ +2.9% vs 2022highest in 7 years
2024: €-131k▼ -1.1% vs 2023
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-46k-€-57k▼ 22.4%€-69k▼ 21.7%€-77k▼ 12.3%€-84k▼ 8.7%
2020: €-46khighest in 5 years
2021: €-57k▼ -22.4% vs 2020
2022: €-69k▼ -21.7% vs 2021
2023: €-77k▼ -12.3% vs 2022
2024: €-84k▼ -8.7% vs 2023lowest in 5 years
Operating result€-4k-€-10k▼ 133%€-12k▼ 18.3%€-8k▲ 31.1%€-7k▲ 21.5%
2020: €-4khighest in 5 years
2021: €-10k▼ -133% vs 2020
2022: €-12k▼ -18.3% vs 2021lowest in 5 years
2023: €-8k▲ +31.1% vs 2022
2024: €-7k▲ +21.5% vs 2023
Net result€-4k-€-10k▼ 133%€-12k▼ 18.7%€-8k▲ 30.9%€-7k▲ 20.8%
2020: €-4khighest in 5 years
2021: €-10k▼ -133% vs 2020
2022: €-12k▼ -18.7% vs 2021lowest in 5 years
2023: €-8k▲ +30.9% vs 2022
2024: €-7k▲ +20.8% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €8k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €47k
Fixed assets
€47k ▼ 10.2%
Current assets
€47 ▼ 80.5%
Key figures and ratios
EBITDA
€-1k▼
2023 · €4k
Cash flow
€-1k▼
2023 · €4k
Solvency
-180.5%▼
2023 · -148.6%
Current ratio
0.00▼
2023 · 0.00
Debt to equity
-1.55▲
2023 · -1.67
ROA
-14.4%▲
2023 · -16.3%
Interest coverage
-8.32▼
2023 · 31.31
Debt
€131k▲
2023 · €129k
Debt ≤ 1 year
€131k▲
2023 · €129k
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 · 2024 against 2023 · 37 lines
Balance sheet
Code20232024
Assets
Total assets20/58€52k€47k▼
Fixed assets21/28€52k€47k▼
Tangible fixed assets22/27€52k€47k▼
Land and buildings22€51k€47k▼
Plant, machinery and equipment23€990€0▼
Financial fixed assets28€0-
Current assets29/58€239€47▼
Amounts receivable within one year40/41€200€0▼
Trade receivables40€200€0▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€39€47▲
Equity and liabilities
Total equity and liabilities10/49€52k€47k▼
Equity10/15€-77k€-84k▼
Contributions10/11€19k€19k=
Reserves13€5k€5k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€-101k€-108k▼
Amounts payable17/49€129k€131k▲
Amounts payable within one year42/48€129k€131k▲
Trade debts44€1k€0▼
Suppliers440/4€1k€0▼
Taxes, remuneration and social security45€39€0▼
Taxes450/3€39€0▼
Other amounts payable47/48€128k€131k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€5k▼
Other operating charges640/8€2k€8k▲
Gross operating margin9900€6k€6k▲
Operating profit (loss)9901€-8k€-7k▲
Financial charges65/66B€116€152▲
Recurring financial charges65€116€152▲
Profit (loss) for the period before taxes9903€-8k€-7k▲
Profit (loss) for the period9904€-8k€-7k▲
Profit (loss) for the period to be appropriated9905€-8k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-101k€-108k▼
Profit (loss) brought forward from the previous period14P€-93k€-101k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | €0 | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k | €12k | €12k | €12k | €5k | ▼ 55.8% |
| Other operating charges640/8 | - | €2k | €2k | €2k | €8k | ▲ 254% |
| Gross operating margin9900 | €9k | €3k | €1k | €6k | €6k | ▲ 10.9% |
| Operating profit (loss)9901 | €-4k | €-10k | €-12k | €-8k | €-7k | ▲ 21.5% |
| Recurring financial income75 | €0 | - | - | - | - | - |
| Financial charges65/66B | - | €86 | €140 | €116 | €152 | ▲ 31.5% |
| Recurring financial charges65 | €44 | €86 | €140 | €116 | €152 | ▲ 31.5% |
| Profit (loss) for the period before taxes9903 | €-4k | €-10k | €-12k | €-8k | €-7k | ▲ 20.8% |
| Profit (loss) for the period9904 | €-4k | €-10k | €-12k | €-8k | €-7k | ▲ 20.8% |
| Profit (loss) for the period to be appropriated9905 | €-4k | €-10k | €-12k | €-8k | €-7k | ▲ 20.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €94k | €81k | €69k | €52k | €47k | ▼ 10.6% |
| Fixed assets21/28 | €88k | €76k | €64k | €52k | €47k | ▼ 10.2% |
| Tangible fixed assets22/27 | €88k | €76k | €64k | €52k | €47k | ▼ 10.2% |
| Land and buildings22 | - | €73k | €62k | €51k | €47k | ▼ 8.5% |
| Plant, machinery and equipment23 | - | €3k | €2k | €990 | €0 | ▼ 100% |
| Financial fixed assets28 | €362 | €362 | €362 | €0 | - | - |
| Current assets29/58 | €6k | €5k | €5k | €239 | €47 | ▼ 80.5% |
| Amounts receivable within one year40/41 | €3k | €4k | €5k | €200 | €0 | ▼ 100% |
| Trade receivables40 | - | €91 | €144 | €200 | €0 | ▼ 100% |
| Other amounts receivable41 | - | €4k | €5k | €0 | - | - |
| Cash at bank and in hand54/58 | €2k | €230 | €74 | €39 | €47 | ▲ 20.0% |
| Deferred charges and accrued income490/1 | - | €383 | €0 | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €94k | €81k | €69k | €52k | €47k | ▼ 10.6% |
| Equity10/15 | €-46k | €-57k | €-69k | €-77k | €-84k | ▼ 8.7% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €5k | €5k | €5k | €5k | €5k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | - | €4k | €4k | €4k | €4k | = |
| Profit (loss) carried forward14 | €-70k | €-81k | €-93k | €-101k | €-108k | ▼ 6.6% |
| Amounts payable17/49 | €140k | €137k | €138k | €129k | €131k | ▲ 0.9% |
| Amounts payable within one year42/48 | €140k | €137k | €138k | €129k | €131k | ▲ 0.9% |
| Trade debts44 | €1k | €760 | €1k | €1k | €0 | ▼ 100% |
| Suppliers440/4 | - | €760 | €1k | €1k | €0 | ▼ 100% |
| Taxes, remuneration and social security45 | - | €39 | €39 | €39 | €0 | ▼ 100% |
| Taxes450/3 | - | €39 | €39 | €39 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | €137k | €137k | €128k | €131k | ▲ 1.9% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-4k | €-10k | €-12k | €-8k | €-7k | ▲ 20.8% |
| + Depreciation and write-downs630 | €13k | €12k | €12k | €12k | €5k | ▼ 55.8% |
| Operating cash flow (approximation) | €8k | €2k | €-295 | €4k | €-1k | ▼ 140% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €362 | €0 | ▼ 100% |
| Change in cash | - | €-2k | €-156 | €-35 | €8 | ▲ 122% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
27-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
17-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Mont-Saint-Guibert · 1 establishment unit since 1997
Ground area
114 m²
Building footprint
60 m²
Parcel 25068B0265/00K000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BERMA SPRL
since 19972.080.841.030
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25068B0265/00K000 | Wallonia | 114 m² | 1 · 59 m² | - |
Linked by address, not proof of ownership
Good to know
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 and region
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BE 0667.952.094
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CADREY IMMO
BE 0767.379.371
Mont-Saint-Guibert
CANOPI
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Mont-Saint-Guibert
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 9,136 companies in sector 68201 we hold annual accounts for 6,765. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded28-11-1996
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68204Real estate activities
Scores and ratios are computed by Checked and are not a credit decision.