BERSTO
ActiveBERSTO has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €624k and a net result of €-8k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 94% of 4512 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 17.13 against 15.48 in 2024; short-term debt: 2.3% and cash: 0.3% of total assets), and 2.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
Sector 68
lower
← 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
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
97.7%
Return on assets
-1.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
21 d late
2023
1 d early
2022
on the day
2021
5 d early
2020
11 d early
2019
77 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-8k▼ 452%
2024 · €-2k
2018: €74k
2019: €15k
2020: €39k
2021: €42k
2022: €2k
2023: €-5k
2024: €-2k
2018 → 2025
Working capital
€233k▲ 3.4%
2024 · €226k
2018: €407k
2019: €430k
2020: €291k
2021: €318k
2022: €256k
2023: €241k
2024: €226k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€638k-€639k▲ 0.2%€634k▼ 0.8%€633k▼ 0.2%€624k▼ 1.3%
Operating result€53k-€-332€-10k▼ 2,913%€-7k▲ 25.9%€-13k▼ 79.0%
Net result€42k-€2k▼ 96.3%€-5k€-2k▲ 70.8%€-8k▼ 452%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €7k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €639k
Fixed assets
€391k▼ 3.9%
Current assets
€248k▲ 2.7%
Equity and liabilities €639k
Equity
€624k▼ 1.3%
Debt
€14k▼ 7.2%
The debt ratio falls from 2.4% to 2.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€3k▼
2024 · €6k
Cash flow
€8k▼
2024 · €12k
Solvency
97.7%▲
2024 · 97.6%
Current ratio
17.13▲
2024 · 15.48
Quick ratio
17.13▲
2024 · 15.48
Debt / equity
0.02▼
2024 · 0.02
ROE
-1.3%▼
2024 · -0.2%
ROA
-1.3%▼
2024 · -0.2%
Interest coverage
36.57▼
2024 · 89.77
Debt
€14k▼
2024 · €16k
Debt ≤ 1 year
€14k▼
2024 · €16k
Income taxes
€315▲
2024 · €238
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€648k€639k▼
Fixed assets21/28€407k€391k▼
Tangible fixed assets22/27€237k€221k▼
Land and buildings22€146k€146k=
Plant, machinery and equipment23€91k€75k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€170k€170k=
Current assets29/58€241k€248k▲
Amounts receivable within one year40/41€103k€107k▲
Trade receivables40€23k€27k▲
Other amounts receivable41€80k€80k=
Current investments50/53€121k€106k▼
Cash at bank and in hand54/58€673€2k▲
Deferred charges and accrued income490/1€17k€33k▲
Equity and liabilities
Total equity and liabilities10/49€648k€639k▼
Equity10/15€633k€624k▼
Contributions10/11€260k€260k=
Capital10€260k€260k=
Issued capital100€260k€260k=
Reserves13€26k€26k=
Non-distributable reserves130/1€26k€26k=
Legal reserve130€26k€26k=
Profit (loss) carried forward14€346k€338k▼
Amounts payable17/49€16k€14k▼
Amounts payable within one year42/48€16k€14k▼
Trade debts44€13k€14k▲
Suppliers440/4€13k€14k▲
Other amounts payable47/48€3k€0▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61-€10k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€16k▲
Other operating charges640/8€7k€11k▲
Gross operating margin9900€13k€13k▲
Operating profit (loss)9901€-7k€-13k▼
Financial income75/76B€6k€5k▼
Recurring financial income75€6k€5k▼
Financial charges65/66B€70€73▲
Recurring financial charges65€70€73▲
Profit (loss) for the period before taxes9903€-1k€-8k▼
Income taxes67/77€238€315▲
Profit (loss) for the period9904€-2k€-8k▼
Profit (loss) for the period to be appropriated9905€-2k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€346k€338k▼
Profit (loss) brought forward from the previous period14P€348k€346k▼
The notes to these accounts (4 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €-8k
Net result drops to €-8k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 21 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity doublescurrent ratio 21.83
Current ratio from 9.43 to 21.83; short-term debt falls from €38k to €12k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
16-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 77 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 36.50
Current ratio from 10.19 to 36.50; short-term debt falls from €44k to €12k.
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Chaumont-Gistoux · 1 establishment unit since 1987
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.
Bas-Bonlez 451325 Chaumont-GistouxGround area
8,791 m²
Building footprint
814 m²
Volume, LiDAR
6,690 m³
2 parcels, Brussels, Wallonia · tallest building 15.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NV BERSTO
since 19872.031.134.468
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0177/00V000 | Brussels | 5,680 m² | 1 · 497 m² | 15.9 m · 4 fl. |
| 25010A0243/00F000 | Wallonia | 3,110 m² | 1 · 317 m² | 4.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Bakkerij Oosthoek
BE 0741.415.441
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MAS
BE 0470.206.609
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De Rode Beuk
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Of 12,016 companies in sector 68203 we hold annual accounts for 5,983. 4,368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-05-1987
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.