Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphThe file of BERMAX contains 2 interim measures, as published in the Belgian State Gazette. The computed 12-month bankruptcy probability is 2.4% (moderate). The 2021 annual accounts show equity of €21k and a net result of €88k. The figures fluctuate too strongly year-on-year for a reliable trend projection.
Based on the State Gazette, CBE and 4 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Insolvency timeline
2 eventsSignals
Insufficient current data: the most recent filed accounts (financial year 2021) are too old to derive current signals.
Trust signals
1 signalAdministrative Flags
0 eventsFinancials
Annual accounts & ratios
Source: NBB · 2021How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Fiscal year | 2021 |
|---|---|
| Revenue | - |
| EBITDA | €123k |
| Net profit | €88k |
| Cash flow | €91k |
| Staff costs | €50k |
| Income taxes | €34k |
| Dividends | €75k |
| Total assets | €139k |
| Equity | €21k |
| Debt | €118k |
| of which ≤ 1y | €118k |
| of which > 1y | - |
| Working capital | €20k |
| Employees (FTE) | 1.0 |
| 2021 | |
|---|---|
| Current ratio | 1.17 |
| Quick ratio | 1.17 |
| Working capital ratio | 14.7% |
| Solvency | 15.4% |
| Debt / equity | 5.49 |
| Long-term debt ratio | - |
| Interest coverage | 136.79 |
| Gross margin | - |
| Net margin | - |
| ROA | 62.8% |
| ROE | 407.7% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €139k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €138k |
| Amounts receivable within one year | 40/41 | €16k |
| Cash & bank | 54/58 | €41k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €139k |
| Equity | 10/15 | €21k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €731 |
| Amounts payable | 17/49 | €118k |
| Amounts payable within one year | 42/48 | €118k |
| Trade debts payable within one year | 44 | €18k |
| Income statement | ||
| Gross operating margin | 9900 | €175k |
| Operating result | 9901 | €120k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €900 |
| Result before taxes | 9903 | €121k |
| Income taxes | 67/77 | €34k |
| Net result for the period | 9904 | €88k |
| Result to be appropriated | 9905 | €88k |
Health barometer
FY 2021 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0065/00V005 | Flanders | 395 m² | 1 · 253 m² | 9.7 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
2 events from the State GazetteTime machine: BS events + macro context
2021-2026Analysis
Snowflake analysis
financial profile on 5 axesMixed profile: strong on profitability, weaker on solvency.
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Credit advice
verdict per customer and amountCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | BERMAX |