BERMO
ActiveBERMO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €15k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 34% of 27559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+17
Solvency58▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.94 against 1.07 in 2024; short-term debt: 28.9% and cash: 2.8% of total assets), and 67.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
32.5%
Return on assets
6.7%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
28 d late
2023
32 d early
2022
30 d late
2021
31 d late
2020
27 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€74k▲ 25.8%
2024 · €58k
2018: €20k
2019: €21k
2020: €37k
2021: €42k
2022: €42k
2023: €70k
2024: €58k
2018 → 2025
Total assets
€226k▲ 23.3%
2024 · €183k
2018: €31k
2019: €24k
2020: €48k
2021: €56k
2022: €73k
2023: €173k
2024: €183k
2018 → 2025
Net result
€15k▲ 687%
2024 · €2k
2018: €14k
2019: €1k
2020: €16k
2021: €5k
2022: €22
2023: €28k
2024: €2k
2018 → 2025
Working capital
€-4k
2024 · €3k
2018: €15k
2019: €12k
2020: €31k
2021: €31k
2022: €25k
2023: €23k
2024: €3k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€42k▲ 0.1%€70k▲ 68.1%€58k▼ 16.6%€74k▲ 25.8%
Operating result€6k-€1k▼ 83.1%€39k▲ 3,487%€11k▼ 71.4%€29k▲ 165%
Net result€5k-€22▼ 99.5%€28k▲ 129,158%€2k▼ 93.3%€15k▲ 687%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 165% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €226k
Fixed assets
€164k▲ 23.3%
Current assets
€62k▲ 23.5%
Equity and liabilities €226k
Equity
€74k▲ 25.8%
Debt
€152k▲ 22.2%
The debt ratio falls from 68.1% to 67.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€64k▲
2024 · €37k
Cash flow
€50k▲
2024 · €28k
Solvency
32.5%▲
2024 · 31.9%
Current ratio
0.94▼
2024 · 1.07
Quick ratio
0.94▲
2024 · 0.94
Debt / equity
2.07▼
2024 · 2.13
ROE
20.5%▲
2024 · 3.3%
ROA
6.7%▲
2024 · 1.0%
Interest coverage
8.90▲
2024 · 4.76
Debt
€152k▲
2024 · €125k
Debt ≤ 1 year
€65k▲
2024 · €47k
Debt > 1 year
€87k▲
2024 · €78k
Income taxes
€7k▲
2024 · €2k
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€183k€226k▲
Fixed assets21/28€133k€164k▲
Tangible fixed assets22/27€133k€164k▲
Plant, machinery and equipment23€7k€8k▲
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€121k€153k▲
Other tangible fixed assets26€2k€1k▼
Current assets29/58€50k€62k▲
Stocks and contracts in progress3€6k€0▼
Contracts in progress37€6k€0▼
Amounts receivable within one year40/41€15k€55k▲
Trade receivables40€12k€48k▲
Other amounts receivable41€3k€7k▲
Cash at bank and in hand54/58€29k€6k▼
Equity and liabilities
Total equity and liabilities10/49€183k€226k▲
Equity10/15€58k€74k▲
Contributions10/11€6k€6k=
Reserves13€52k€67k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€52k€67k▲
Amounts payable17/49€125k€152k▲
Amounts payable after more than one year17€78k€87k▲
Financial debts170/4€78k€87k▲
Amounts payable within one year42/48€47k€65k▲
Current portion of amounts payable after more than one year42€23k€38k▲
Trade debts44€5k€20k▲
Suppliers440/4€5k€20k▲
Taxes, remuneration and social security45€17k€5k▼
Taxes450/3€14k€2k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A-€3k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€35k▲
Other operating charges640/8€3k€186▼
Gross operating margin9900€40k€65k▲
Operating profit (loss)9901€11k€29k▲
Financial income75/76B€276€64▼
Recurring financial income75€276€64▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€4k€22k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€2k€15k▲
Profit (loss) for the period to be appropriated9905€2k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€15k▲
Transfer from equity791/2€14k-
Transfer to equity691/2€2k€15k▲
To other reserves6921€2k€15k▲
Profit to be distributed694/7€14k-
Return on contributions (dividend)694€14k-
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €28k ▲129158%
Operating result €39k, net result €28k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €22 ▼99.5%
Net result drops to €22, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 6.11
Current ratio from 2.37 to 6.11; short-term debt falls from €11k to €2k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Heist-op-den-Berg · 1 establishment unit since 2017
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.
Misweg 122220 Heist-op-den-BergGround area
3,360 m²
Building footprint
311 m²
Volume, LiDAR
1,465 m³
Parcel 12322H0051/00C000, Flanders · tallest building 8.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BERMO
since 20172.270.845.323
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322H0051/00C000 | Flanders | 3,359 m² | 1 · 311 m² | 8.7 m · 1 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
UV EcoConcept
BE 0697.606.182
Le Roeulx · Eq €74k
On s’occupe de toit
BE 0769.919.781
Sint-Genesius-Rode · Eq €74k
VDA TOITURE
BE 0533.916.308
Braine-le-Château · Eq €73k
ZORENO
BE 0878.456.150
Zonhoven · Eq €73k
Laenen Construct
BE 1009.349.039
Geel · Eq €73k
Of 8,564 companies in sector 43410 we hold annual accounts for 4,354. 3,783 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2017
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
43320Joinery installation
43421Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.