Berso Services is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €280k and a net result of €12k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 47% of 8018 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 31-03-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
39 d early
2023
30 d early
2022
7 d late
2020
71 d early
2019
7 d early
2018
61 d early
← before the deadline
after the deadline →
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
23-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€280k▲ 4.4%
2024 · €268k
2018: €51k
2019: €48k
2020: €51k
2022: €165k
2023: €162k
2024: €268k
2018 → 2025
Net result
€12k▼ 88.8%
2024 · €106k
2018: €4k
2019: €-3k
2020: €3k
2022: €115k
2023: €-4k
2024: €106k
2018 → 2025
Total assets
€585k▲ 21.1%
2024 · €483k
2018: €62k
2019: €96k
2020: €107k
2022: €450k
2023: €436k
2024: €483k
2018 → 2025
Solvency
47.8%▼ 7.6pp
2024 · 55.4%
2018: 81.8%
2019: 49.7%
2020: 47.5%
2022: 36.7%
2023: 37.1%
2024: 55.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€51k-€165k▲ 226%€162k▼ 2.1%€268k▲ 65.6%€280k▲ 4.4%
Operating result€6k-€154k▲ 2,577%€2k▼ 98.7%€46k▲ 2,228%€27k▼ 41.3%
Net result€3k-€115k▲ 4,194%€-4k€106k€12k▼ 88.8%
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 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €585k
Fixed assets
€525k▲ 173%
Current assets
€60k▼ 79.4%
Equity and liabilities €585k
Equity
€280k▲ 4.4%
Debt
€305k▲ 41.8%
The debt ratio rises from 44.6% to 52.2%. Equity and debt are higher.
Key figures and ratios
Solvency
47.8%▼
2024 · 55.4%
ROE
4.2%▼
2024 · 39.6%
ROA
2.0%▼
2024 · 22.0%
Debt
€305k▲
2024 · €215k
Debt ≤ 1 year
€86k▲
2024 · €84k
Debt > 1 year
€219k▲
2024 · €131k
Income taxes
€5k▼
2024 · €11k
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€483k€585k▲
Fixed assets21/28€193k€525k▲
Tangible fixed assets22/27€193k€525k▲
Land and buildings22€193k€522k▲
Plant, machinery and equipment23-€3k
Current assets29/58€291k€60k▼
Amounts receivable within one year40/41€65k€19k▼
Trade receivables40€65k€14k▼
Other amounts receivable41-€5k
Cash at bank and in hand54/58€226k€41k▼
Equity and liabilities
Total equity and liabilities10/49€483k€585k▲
Equity10/15€268k€280k▲
Contributions10/11€13k€13k=
Reserves13€255k€267k▲
Distributable reserves133€255k€267k▲
Amounts payable17/49€215k€305k▲
Amounts payable after more than one year17€131k€219k▲
Financial debts170/4€131k€219k▲
Amounts payable within one year42/48€84k€86k▲
Current portion of amounts payable after more than one year42€12k€12k▲
Financial debts43-€3k
Credit institutions430/8-€3k
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€19k€9k▼
Taxes450/3€19k€9k▼
Other amounts payable47/48€52k€60k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€26k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€60k€56k▼
Operating profit (loss)9901€46k€27k▼
Financial income75/76B€78k€0▼
Recurring financial income75€78k€0▼
Non-recurring financial income76B€78k-
Financial charges65/66B€6k€10k▲
Recurring financial charges65€6k€10k▲
Profit (loss) for the period before taxes9903€117k€17k▼
Income taxes67/77€11k€5k▼
Profit (loss) for the period9904€106k€12k▼
Profit (loss) for the period to be appropriated9905€106k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€106k€12k▼
Transfer to equity691/2€106k€12k▼
To other reserves6921€106k€12k▼
The notes to these accounts (9 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €106k
Net result €106k after one loss-making year.
30-09
Financial
Liquidity doublescurrent ratio 3.44
Current ratio from 1.59 to 3.44; short-term debt falls from €132k to €84k.
30-09
Financial
Equity above €200kEq €268k ▲65.6%
Equity rises from €162k to €268k.
31-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
07-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
30-09
Financial
Highest result since 2018net €115k ▲4194%
Operating result €154k, net result €115k, both a record.
30-09
Financial
Equity above €150kEq €165k ▲226%
2 profitable years in a row build equity to €165k.
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
21-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Scherpenheuvel-Zichem · 1 establishment unit since 2010
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.
Elzenhoutstraat 73270 Scherpenheuvel-ZichemGround area
625 m²
Building footprint
119 m²
Parcel 24098B0495/00H006, Flanders. Linked by address, not a title deed.
1 establishment unit
Berso Services
since 20102.193.013.711
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098B0495/00H006 | Flanders | 625 m² | 1 · 119 m² | - |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,729 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2010
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.