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BERT

Active Private limited companyfounded 1974active for 52 yearsPatijntjestraat 161, 9000 GhentKBO/BCE: BE 0414.532.270
BERT
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Overview

Lifetime

20 annual accounts with figures on one time axis, 49 filings since 1977
peak €315,134 (2006)
€29,722▲ 914%
lowest -€87,904 (2009)
-€65,003▲ €11,438
peak €643,474 (2022)
€435,940▼ 19.0%
€711,411▼ 1.1%
peak 6.1 FTE (2006)
-not published
Board3 names since 1999
2 directorsCaroline Stampaert and 1 other
Documentsfilings and deeds
23-06-202638 days before the deadline
2025micro format
Gross margin from €2,931 to €29,722Loss of €65,003Dividend €37,566Equity from €538,509 to €435,940Cash from €117,871 to €82,027

Key points

from the 2025 annual accounts

Equity

€435,940 ▼ 19.0%
538,5092024-65,003Loss-37,566Dividend435,9402025

BERT paid out €37,566 in dividends in a year with a loss of €65,003.

Losses

-€170,423 in three years
-28,9792023-76,4412024-65,0032025

Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.

Turnover

≈ €150,000 estimated

The micro format states no turnover.

Staff

1 FTE from 6.1 in 2006

Between 2006 and 2025, 84% of the full-time equivalents disappeared.

Filings

49 annual accounts since 1977
AprilJune31 JulyOctober1980199520102025

The last five annual accounts were filed 11 to 44 days before the end of the period.

Position in the sector

-€65,003

Lower net result than 95% of companies in wholesale trade. Sector median €5,606 · 13,811 companies.

Checked score

87
Excellent
Financially stronger than 36% of micro companies in wholesale trade (NACE 46)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.4% across 26,891 companies (NACE 46, micro).

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.2%▲ +0.1 percentage points vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.1%▼ -0.1 percentage points vs 06-2025lowest value 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.2%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 0.2%● unchanged vs 07-2026highest value 09-2026: 0.2%● unchanged vs 08-2026highest value 10-2026: 0.2%● unchanged vs 09-2026highest value 11-2026: 0.2%● unchanged vs 10-2026highest value

Financial strength
Weak

63-5equity 37.9% of total assets
54-5short-term debt 18.0% · cash 7.1%
12+1return on assets -5.7%

Score breakdown

raises risk
Loss of €65,003, the second in a row (financial year 2025)
Liquidity: current ratio 2.81, cash €82,027
Sector: Wholesale trade (NACE 46)
lowers risk
Size: total assets €1.1m
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 46, micro). It does better than 47% of them on solvency, 59% on liquidity, 18% on profitability and 20% on growth.

The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 31-12-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 12,322 companies had the same profile as BERT has now. Each dot stands for 31 companies, two years later.

90.3%
were still trading
8.5%
stopped another way
0.7%
went bankrupt
  • Micro
  • 20 years or older
  • solvency 30% or more
  • a small loss

Another 0.5% stopped without a precise date, possibly only after those two years.

That fits the bankruptcy probability of BERT itself: 0.2% within 12 months.

Test of the method

The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 12,322 companies, not a prediction for BERT. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €35,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 2.81 (3.6 in 2024), above the usual 1.5. Short-term debt is 18% and cash 7.1% of total assets. However, 62.1% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Loss of €65,003, the second in a row (financial year 2025)
NBB · annual accounts
lowers risk · Size: total assets €1.1m
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 2.81, cash €82,027
NBB · annual accounts
raises risk · Sector: Wholesale trade (NACE 46)
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€65,003
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 23-06-2026, 38 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
38 days early
2024
44 days early
2023
20 days early
2022
11 days early
2021
19 days early
2020
16 days early
2019
18 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 24 days before the deadline. In the sector (NACE 46), the median for financial year 2024 was 3 days before the deadline, and 39% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 12 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Board and ownership

CS
Caroline Stampaert
Director, since 27-12-2021
PB
Peter BEDDELEEM
Director, since 16-02-2026
Board & ownership

Recent changes

Appointment: Peter BEDDELEEM (director) General meeting of 16-02-2026 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0414532270
New director Caroline Stampaert appointed, Koen Bert resigned · General meeting of 27-12-2021 · Gazette deed
Change of role: BERT Koen, from statutory manager to statutory director Director discharge: BERT Koen · Gazette deed
All 64 events

Comparable companies

same main activity, similar in size and age
Company
BERT Ghent €1.1m €29,722 37.9% -
INTERFACT Turnhout €1.3m €53,422 60.5% -
DE MULDER - RUBBER - PLASTICS Ghent €0.7m €22,773 92.3% -
BROADCAST & OPTICS Ghent €1.3m €52,082 96.8% -
EVRARD-BANNEUX Sprimont €1.9m €30,227 69.9% -
LEMCA Antwerp €0.7m €36,874 2.5% 1.7
RIMAR Brasschaat €0.9m €84,858 79.2% -

These companies have the same main activity as BERT: wholesale of other household goods (NACE 46499). They are comparable in size and age: total assets between €674,000 and €1.9m, founded between 1976 and 1990.

Official details

Source: KBO
Status
Active since 28-06-1974Normal situation
Activity
Wholesale of other household goodsNACE 46499and 1 other
Joint committees
116Chemical industry
207White-collar workers in the chemical industry · annual accounts 2025
Establishment unit
2.128.409.8309000 Ghent, since 01-07-1974
Financial year end
31 December
Peppol
Reachable since 04-02-2025
Company details

Annual accounts 2025

€29,722▲ 914%
€65,003▼ 15.0%
€435,940▼ 19.0%
€1.1m▼ 8.8%
Employeeson 31-12-2025
1=
Filing
Filed on 23-06-2026, 38 days before the end of the filing period
Financials

Insights on BERT

BERT files the micro format. That format states no turnover. The gross margin fell from €315,134 in 2006 to €29,722 in 2025.

The balance sheet grew most from 2023 to 2024 through fixed assets, financed with long-term debt.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

micro format, filed on 23-06-2026, 38 days before the deadline
€29,722
▲ 914%
-€63,554
▲ €18,171
-€65,003
▲ €11,438
€375,151
▼ 20.4%
37.9%
▼ 4.8 percentage points
2.81
▼ 0.79

Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €150,000. Estimated: probably between €96,000 and €310,000.

Balance sheet

balance sheet total €1.1m on 31-12-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

37.9%

Higher than 48% of 13,805 companies in 2025.

2.81

Higher than 69% of 13,186 companies in 2025.

-5.7%

Higher than 22% of 13,365 companies in 2025.

BERT Middle half of the sector 80% of the sector Micro accounts in wholesale trade (NACE 46)

Net result: bottom quarter · Equity: top quarter · Balance sheet total: top quarter · Working capital: top quarter

Staff

€39,886

Staff costs divided by the average number of full-time equivalents.

people who joined people who left

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
Balance sheet: assets
20/58 1.1m1.3m1.1m743,881891,686734,288700,815731,581755,745770,029797,375824,005853,503874,486871,481897,9961.1m686,1191.1m1.0m
21/28 567,310607,719468,892103,028522,102536,994555,522575,301608,117638,110669,219671,150695,204723,908714,100731,432979,007446,722815,002831,779
22/27 567,310607,719468,892103,028522,102536,984555,512575,291608,107638,100669,209671,140695,194723,898714,090731,423978,997446,712814,992831,769
22 521,154551,541421,56849,337479,749489,646501,200513,784527,368540,952554,537568,121581,705595,289603,406616,443854,000325,483679,008701,616
23 11,12314,8685488061,064-01863,1558,15813,3174,8634,4818,75013,4865,5963,4295,2505,1917,971
24 3,2697,16510,24913,976-02565767,98610,53814,050----4,6859,37014,05423,5339,588
26 31,76434,14536,52738,90841,29047,33854,05660,74469,59878,45287,30698,157109,008119,85997,199104,699112,199101,925107,260112,594
28 ----0101010101010101010101010101010
29/58 581,958652,647623,512640,854369,584197,294145,293156,280147,628131,919128,156152,855158,300150,578157,381166,563169,227239,397307,204204,127
29 384,197399,355414,757439,000160,000---------------
290 64,00088,000112,000136,000160,000---------------
291 320,197311,355302,757303,000----------------
3 52,33951,17751,43440,60739,89364,52865,58265,59460,03061,89270,47970,24276,57575,90379,66581,25971,42083,11166,30357,562
30/36 52,33951,17751,43440,60739,89364,52865,58265,59460,03061,89270,47970,24276,57575,90379,66581,25971,42083,11166,30357,562
40/41 51,14974,81067,02847,72676,4534,17620,59929,92323,67823,22024,26026,18830,16828,82227,96829,46334,03880,29582,81676,410
40 51,14974,81050,46131,09839,0614,17616,30925,63223,67823,22024,26026,06530,16826,40724,62529,17825,91538,69242,86462,453
41 -016,56716,62837,39204,2904,290---123-2,4153,3432858,12341,60339,95313,957
50/53 ------------------100,000-
54/58 82,027117,87181,694108,26793,238128,59159,11257,79462,04544,96931,61554,62251,55745,85449,74852,46860,07370,84958,08565,414
490/1 12,2459,4348,5985,253--02,9691,8751,8381,8021,802---3,3733,6975,143-4,741
Balance sheet: equity and liabilities
10/49 1.1m1.3m1.1m743,881891,686734,288700,815731,581755,745770,029797,375824,005853,503874,486871,481897,9961.1m686,1191.1m1.0m
10/15 435,940538,509614,494643,474485,686346,068309,300297,683281,956252,657225,222222,955218,963196,980181,409181,89493,507181,774144,603162,311
10/11 18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
100 ------18,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,60018,600
13 417,340519,909595,894624,781466,994327,375290,607278,406262,464233,212205,960203,708199,456178,204161,952162,70074,448162,696154,944155,692
130/1 -----0--------------
130 ------1,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,8601,860
1311 -----0--------------
132 14,31015,16015,55516,35317,15117,94918,74719,54619,60420,35221,10021,84822,59623,34424,09224,84025,58826,33627,08427,832
133 403,030504,748580,339608,428449,843309,426270,000257,000241,000211,000183,000180,000175,000153,000136,000136,00047,000134,500126,000126,000
14 0-092929292677892845662647907176857594459478-28,941-11,981
16 1,9172,2012,9393,2743,6093,9454,2804,6155,6906,0756,4616,8467,2317,6178,0028,3878,7739,1589,5439,929
168 1,9172,2012,9393,2743,6093,9454,2804,6155,6906,0756,4616,8467,2317,6178,0028,3878,7739,1589,5439,929
17/49 711,411719,657474,97097,134402,390384,276387,235429,283468,099511,297565,693594,204627,310669,889682,070707,7151.0m495,187968,060863,666
17 499,245536,511411,2770217,955248,217280,158310,060364,280413,164452,434495,104525,148574,744599,112637,465939,127408,945826,858109,908
170/4 499,245536,511411,2770217,955248,217280,158310,060364,280413,164452,434495,104525,148574,744599,112637,465939,127408,945826,858109,908
42/48 206,807181,25362,72296,786184,435135,752107,076119,222103,81998,132107,54693,40296,51989,64282,95870,250105,70686,242136,937749,307
42 11,26710,72811,86217,63030,86931,25429,61829,22028,81528,69036,14024,54924,05422,92021,24922,04731,76224,78924,78927,978
43 ---040,000---------------
430/8 ---040,000---------------
44 37,97747,7155,8737,78616,45533,71718,92323,2206,81710,87721,02521,78214,66910,07710,5662,0058,88713,9054,744608,524
440/4 37,97747,7155,8737,78616,45533,71718,92323,2206,81710,87721,02521,78214,66910,07710,5662,0058,88713,9054,744608,524
45 41,34747,87744,98771,37097,11170,78258,18356,25766,21058,55746,73144,35248,46347,67846,59844,50944,55047,54855,26755,033
450/3 31,02134,48439,35167,05081,84160,36839,11736,28349,77243,15030,85128,73234,06833,18930,08525,23523,40623,86032,02528,701
454/9 10,32613,3935,6364,32015,26910,41319,06619,97316,43815,40715,88015,62014,39514,48916,51319,27521,14423,68723,24226,332
47/48 116,21774,933---035310,5261,97783,6502,7199,3338,9674,5451,68820,507-52,13657,772
492/3 5,3591,8939723480306----5,7135,6985,6425,503--1,121-4,2654,450
Income statement
76A --0296,515200,000-01,725----2,000--137,332-81,26119,433-
9900 29,7222,93121,189284,146303,853122,650146,732153,944181,588177,256154,114155,997179,389189,633221,403193,072251,763251,408280,051315,134
62 39,88639,93927,94938,13070,16438,57695,79096,63294,22392,64993,343101,570106,310115,818158,836176,022193,870218,679210,672213,955
630 40,41034,95618,7555,50016,17218,52819,77925,79031,59431,85438,47529,11628,70431,24031,65529,535117,68527,98154,55396,058
631/4 0-1,2491,032--------------110--
640/8 12,98111,0108,7218,83911,3129,3209,5489,8069,5469,5749,5409,2909,14710,82111,2369,21411,48813,15416,7919,870
66A -021911532116147635262466548025028019543052564253054575
9901 -63,554-81,725-35,487231,562205,88456,06521,13921,36445,60042,51512,75616,02035,22831,75419,675-21,700-71,280-8,517-1,965-4,750
75/76B 9,2409,5389,3622,9342,1631,0906363,3466851,4432,5852,1533,0361,9293,1314,3552,87412,6363,5424,003
75 9,2409,5389,3622,9342,1631,0906363,3466851,4432,5852,1533,0361,9293,1314,3552,87412,6363,5424,003
65/66B 10,7054,2993,2606,1844,2424,6795,7535,3486,6007,51012,82614,18415,67618,07923,24631,46119,60448,48236,14512,384
65 10,7054,2993,2606,1844,2424,6795,7535,3486,6007,51012,82614,18415,67618,07923,24631,46119,60448,48236,14512,384
9903 -65,019-76,486-29,386228,312203,80552,47616,02119,36239,68636,4482,0353,73924,30815,410-87088,001-88,65236,368-15,681-13,205
780 283283335335335---------------
67/77 267238-7170,86064,52216,0444,7404,71010,7729,3981531322,711225----4172,412-
9904 -65,003-76,441-28,979157,787139,61936,76811,61714,98729,29927,4362,2674,35522,34515,934-12288,749-87,90437,533-17,345-12,457
789 850850798798798798798798748748748385385385385385385385385385
9905 -64,153-75,591-28,181158,585140,41737,56612,41515,78530,04728,1843,0154,74022,73116,31926389,135-87,51937,918-16,960-12,072
Appropriation of the result
9906 -64,153-75,591-28,089158,678140,50937,65813,09216,67730,89228,8453,6625,64722,90717,17685789,594-87,0418,978-28,941-11,981
14P -0929292---------------
791/2 101,71975,59128,089-------------87,500---
691/2 --0158,585140,41737,56613,00016,00030,00028,0003,0005,00022,00017,000-89,000-8,500--
6921 --0158,585140,41737,56613,00016,00030,00028,0003,0005,00022,00017,000-89,000-8,500--
694/7 37,566-------------------
694 37,566-------------------
Social balance sheet
9087 10.91.11.222.32.52.52.52.52.52.62.72.84.44.75.1666.1
Hours worked1013 1,4561,5729841,0913,2821,7864,5064,5114,4954,5784,5324,6195,0335,2577,4288,1249,17110,26410,31310,594
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 29 older financial years (1977-2005) were filed as documents without figures as data, scans for example.

The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Source: Annual accounts 2025 at the NBB, filed on 23-06-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
31-12-2025 micro format 23-06-2026 2026-00188806 PDF
31-12-2024 micro format 17-06-2025 2025-00147845 PDF
31-12-2023 micro format 11-07-2024 2024-00236288 PDF
31-12-2022 micro format 20-07-2023 2023-00255648 PDF
31-12-2021 micro format 12-07-2022 2022-20175853 PDF
31-12-2020 micro format 15-07-2021 2021-35800220 PDF
31-12-2019 micro format 13-07-2020 2020-29100337 PDF
31-12-2018 micro format 04-07-2019 2019-29100477 PDF
31-12-2017 micro format 02-07-2018 2018-27100269 PDF
31-12-2016 micro format 29-06-2017 2017-24100046 PDF
31-12-2015 abbreviated format 11-07-2016 2016-30000384 PDF
31-12-2014 abbreviated format 13-07-2015 2015-30000214 PDF
31-12-2013 abbreviated format 19-06-2014 2014-19200395 PDF
31-12-2012 abbreviated format 04-07-2013 2013-27000137 PDF
31-12-2011 abbreviated format 24-07-2012 2012-33200355 PDF
31-12-2010 abbreviated format 12-07-2011 2011-28800081 PDF
31-12-2009 abbreviated format 24-08-2010 2010-44300346 PDF
31-12-2008 abbreviated format 07-07-2009 2009-38200224 PDF
31-12-2007 abbreviated format 07-07-2008 2008-37100289 PDF
31-12-2006 abbreviated format 10-07-2007 2007-38200126 PDF
31-12-2005 abbreviated format 24-08-2006 2006-66700912 PDF
31-12-2004 abbreviated format 14-07-2005 2005-49003419 PDF
31-12-2003 abbreviated format 08-07-2004 2004-43605358 PDF
31-12-2002 abbreviated format 29-07-2003 2003-54003945 PDF
31-12-2001 abbreviated format 28-08-2002 2002-50804101 PDF
31-12-2000 abbreviated format 27-07-2001 2001-44401140 PDF
31-12-1999 abbreviated format 30-06-2000 2000-34800173 PDF
31-12-1998 abbreviated format 22-07-1999 1999-36105147 PDF
31-12-1997 abbreviated format 15-07-1998 1998-33204242 PDF
31-12-1996 abbreviated format 03-09-1997 1997-41605046 PDF
31-12-1995 abbreviated format 22-07-1996 1996-35703646 PDF
31-12-1994 abbreviated format 04-08-1995 1995-44603850 PDF
31-12-1993 abbreviated format 25-07-1994 1994-32105215 PDF
31-12-1992 abbreviated format 23-07-1993 1993-28600825 PDF
31-12-1991 abbreviated format 14-07-1992 1992-21704401 PDF
31-12-1990 abbreviated format 24-07-1991 1991-19601766 PDF
31-12-1989 abbreviated format 20-09-1990 1990-24105087 PDF
31-12-1988 abbreviated format 01-08-1989 1989-19202690 PDF
31-12-1987 abbreviated format 19-07-1988 1988-16301118 PDF
31-12-1986 abbreviated format 10-07-1987 1987-16702620 PDF
31-12-1985 abbreviated format 12-08-1986 1986-34700640 PDF
31-12-1984 full format 12-07-1985 1985-23201699 PDF
31-12-1983 unclassified schema 04-07-1984 1984-10301590 PDF
31-12-1982 unclassified schema 12-07-1983 1983-09501920 PDF
31-12-1981 unclassified schema 09-07-1982 1982-09600426 PDF
31-12-1980 unclassified schema 25-06-1981 1981-07000493 PDF
31-12-1979 unclassified schema 08-07-1980 1980-08302325 PDF
31-12-1978 unclassified schema 06-07-1979 1979-08101274 PDF
31-12-1977 unclassified schema 30-06-1978 1978-03701861 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend20252024202320222021202020192018201720162015201420132012201120102009200820072006
-23,145-46,769-16,732237,062222,05674,59440,91847,15477,19474,36851,23045,13663,93262,99451,3307,83646,40519,46452,58891,309
-24,593-41,485-10,224163,288155,79155,29631,39640,77760,89359,28940,74133,47151,05047,17431,533118,28429,78165,51437,20883,601
0173,784384,61914,9111,29000-7,0251,60174536,5445,063041,04814,32319,505649,9704,44037,777691,710
-35,84436,177-26,57315,029-35,35369,4791,318-4,25117,07613,354-23,0073,0655,703-3,893-2,721-7,604-10,77612,763-7,329-
375,151471,394560,790544,068185,14961,54238,21637,05743,80933,78720,61059,45361,78160,93774,42396,31463,521153,155170,268-545,180
37.9%42.7%56.3%86.5%54.5%47.1%44.1%40.7%37.3%32.8%28.2%27.1%25.7%22.5%20.8%20.3%8.1%26.5%12.9%15.7%
2.813.609.946.622.001.451.361.311.421.341.191.641.641.681.902.371.602.782.240.27
2.563.329.126.201.790.980.740.760.840.710.540.880.850.830.941.210.931.811.760.20
1.631.340.770.150.831.111.251.441.662.022.512.672.863.403.763.8911.192.726.695.32
-14.9%-14.2%-4.7%24.5%28.7%10.6%3.8%5.0%10.4%10.9%1.0%2.0%10.2%8.1%-0.1%48.8%-94.0%20.6%-12.0%-7.7%
-5.7%-6.1%-2.7%21.2%15.7%5.0%1.7%2.0%3.9%3.6%0.3%0.5%2.6%1.8%0.0%9.9%-7.7%5.5%-1.5%-1.2%
-2.16-10.88-5.1338.3452.35---------------

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Social balance sheet

Item31-12-202531-12-202431-12-202331-12-202231-12-2021
Employees at the balance-sheet date11122
full-time01002
part-time10120
in full-time equivalents0.810.70.52
0.80.90.50.52
On a permanent contract11122
Joined--02-
Left--12-

Source: social balance sheet in the 2021 to 2025 annual accounts

Securities and guarantees

on own assets and for others
Item20252024202320222021
Mortgages, amount registered----€565,450
Carrying value of the mortgaged assets----€428,485

Source: notes to the 2021 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item20252024202320222021
Tangible fixed assets-€173,784€384,619€14,911€1,290
€40,410€34,956€18,755€5,500€16,172

Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)

Insights on BERT

The operating result for 2025 is a loss of €63,554, smaller than the loss of €81,725 in 2024.

Debt's share of the balance-sheet total rises from 57.1% to 61.9%. Equity and debt are lower.

Large changes and their cause
  • 2021 Net result +280% on 2020. The 2021 profit included a one-off income of €200,000.

Board & ownership

Board

2 directors, last change in February 2026
Caroline Stampaert
Director (not named in the articles)
since 27-12-2021 term without a fixed end
listed in the 2025 annual accounts, filed on 23-06-2026
Peter BEDDELEEM
Director
since 16-02-2026 term without a fixed end
listed in the 2025 annual accounts, filed on 23-06-2026

Office holders in the KBO →

Mandates through the years

3 names, the dashed line is today
Caroline Stampaert
Director (not named in the articles)
Peter BEDDELEEM
Director
BERT Koen
Statutory director
BoardEarliermandate already running before its first mention
Mandates as a list
  • Caroline Stampaert
    • Director (not named in the articles), from 27-12-2021 to date
  • Peter BEDDELEEM
    • Director, since before 31-12-2025
  • BERT Koen
    • Statutory director, from 30-12-1999 to 06-01-2022
    • Statutory manager, until 06-03-2020

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,600
Source
2025 annual accounts

Articles of association

deed of 06-03-2020 (in Dutch)
Transfer restrictionThis rule says whether shareholders may sell their shares freely or need approval first.
“Derde besluit”

Network & group

No group

BERT has no parent and no holdings in its annual accounts. BERT shares no director with another company.

Timeline

Timeline

64 events since 1974

Deadline for the 2026 accounts: 31-07-2027

2026
Annual accounts 2025 filed NBBmicro format · 38 days before the deadline
Appointment: Peter BEDDELEEM (director)General meeting of 16-02-20262 points ▸

Open the deed in the Belgian Official Gazette

2025
Annual accounts 2024 filed PDFmicro format · 44 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0414532270
2024
Annual accounts 2023 filed PDFmicro format · 20 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 11 days before the deadline
2022
Highest result from 2006 to 2025 net €157,787 ▲13% The operating result of €231,562 and the net result of €157,787 are both a record.
Liquidity more than triples current ratio 6.62 The current ratio rises from 2.00 to 6.62. Short-term debt falls from €184,435 to €96,786.
Equity above €500,000 equity €643,474 ▲32.5% After 11 profitable years in a row, equity reaches €643,474.
Annual accounts 2021 filed PDFmicro format · 19 days before the deadline
New directorCaroline Stampaert appointed, Koen Bert resigned · General meeting of 27-12-20214 points ▸
  • General meeting, 27-12-2021
  • Director resignation, Koen Bert (statutory director)
  • Amendment of the articles, article 11
  • Director appointment, Caroline Stampaert (director (not named in the articles))
  • The deed holds 1 more point.

Open the deed in the Belgian Official Gazette

2021
Annual accounts 2020 filed PDFmicro format · 16 days before the deadline
2020
Annual accounts 2019 filed PDFmicro format · 18 days before the deadline
Change of role: BERT Koen, from statutory manager to statutory directorDirector discharge: BERT Koen4 points ▸
  • Director appointment, BERT Koen (statutory director)
  • Director resignation, BERT Koen (statutory manager)
  • Director discharge, BERT Koen
  • Registered office clause, Patijntjestraat 161, 9000 Gent
  • The deed holds 5 more points.

Open the deed in the Belgian Official Gazette

2019
Annual accounts 2018 filed PDFmicro format · 27 days before the deadline
2018
Annual accounts 2017 filed PDFmicro format · 29 days before the deadline
2017
Annual accounts 2016 filed PDFmicro format · 32 days before the deadline
2016
Annual accounts 2015 filed PDFabbreviated format · 20 days before the deadline
2015
Annual accounts 2014 filed PDFabbreviated format · 18 days before the deadline
2014
Annual accounts 2013 filed PDFabbreviated format · 42 days before the deadline
2013
Equity above €200,000 equity €218,963 ▲11.2% After 2 profitable years in a row, equity reaches €218,963.
Annual accounts 2012 filed PDFabbreviated format · 27 days before the deadline
2012
Back to profit net €15,934 The net result is €15,934, after one loss-making year.
Annual accounts 2011 filed PDFabbreviated format · 7 days before the deadline
2011
Annual accounts 2010 filed PDFabbreviated format · 19 days before the deadline
2010
Back to profit net €88,749 The net result is €88,749, after one loss-making year.
Annual accounts 2009 filed PDFabbreviated format · 24 days late
2009
Weakest financial year net -€87,904 The net result drops to -€87,904, the lowest from 2006 to 2025. It recovers the following year.
Annual accounts 2008 filed PDFabbreviated format · 24 days before the deadline
2008
Back to profit net €37,533 The net result is €37,533, after 2 loss-making years.
Annual accounts 2007 filed PDFabbreviated format · 24 days before the deadline
2007
Liquidity more than 8 times current ratio 2.24 The current ratio rises from 0.27 to 2.24. Short-term debt falls from €749,307 to €136,937.
Annual accounts 2006 filed PDFabbreviated format · 21 days before the deadline
2006
Annual accounts 2005 filed PDFabbreviated format
2005
Annual accounts 2004 filed PDFabbreviated format
2004
Annual accounts 2003 filed PDFabbreviated format
2003
Annual accounts 2002 filed PDFabbreviated format
2002
Annual accounts 2001 filed PDFabbreviated format
2001
Annual accounts 2000 filed PDFabbreviated format
2000
Annual accounts 1999 filed PDFabbreviated format
1999
Annual accounts 1998 filed PDFabbreviated format
1998
Annual accounts 1997 filed PDFabbreviated format
1997
Annual accounts 1996 filed PDFabbreviated format
1996
Annual accounts 1995 filed PDFabbreviated format
1995
Annual accounts 1994 filed PDFabbreviated format
1994
Annual accounts 1993 filed PDFabbreviated format
1993
Annual accounts 1992 filed PDFabbreviated format
1992
Annual accounts 1991 filed PDFabbreviated format
1991
Annual accounts 1990 filed PDFabbreviated format
1990
Annual accounts 1989 filed PDFabbreviated format
1989
Annual accounts 1988 filed PDFabbreviated format
1988
Annual accounts 1987 filed PDFabbreviated format
1987
Annual accounts 1986 filed PDFabbreviated format
1986
Annual accounts 1985 filed PDFabbreviated format
1985
Annual accounts 1984 filed PDFfull format
1984
Annual accounts 1983 filed PDFunclassified schema
1983
Annual accounts 1982 filed PDFunclassified schema
1982
Annual accounts 1981 filed PDFunclassified schema
1981
Annual accounts 1980 filed PDFunclassified schema
1980
Annual accounts 1979 filed PDFunclassified schema
1979
Annual accounts 1978 filed PDFunclassified schema
1978
Annual accounts 1977 filed PDFunclassified schema
1974
First establishment BERT WASKAARSEN, Patijntjestraat 161, Ghent
Incorporation KBO

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

On 28 June 1974, BERT was incorporated.1 Total assets went from €731,581 in 2018 to €1.1m in 2025 and headcount from 2.5 to 1 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Company details

Identity

Enterprise number
0414.532.270
VAT number
BE 0414.532.270
Peppol ID
0208:0414532270
Other Peppol ID
9925:BE0414532270
Legal form
Private limited company
Status
Active, normal situation
Founded
28-06-1974
Financial year
ends on 31 December
Peppol
Reachable since 04-02-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BERT in Dutch
Entity type
Legal entity

Activities

NACEBEL 2025
VAT activities
46499 Wholesale of other household goods main activity
Social security (RSZ) activities
20590 Manufacture of chemicals and chemical products main activity
Joint committees annual accounts 2025
JC 116 Chemical industry
JC 207 White-collar workers in the chemical industry
Codes under NACEBEL 2008
VAT activities
46499 Wholesale of other household goods main activity
Social security (RSZ) activities
20590 Manufacture of chemicals and chemical products main activity
Codes under NACEBEL 2003
VAT activities
51478 main activity
Social security (RSZ) activities
24660 main activity

Registered office and establishments

1 establishment
Establishment Since Unit number
BERT WASKAARSEN registered office Patijntjestraat 161, 9000 Ghent 01-07-1974 2.128.409.830

Buildings and parcels at the address

Ground area
402 m²
Buildings
149 m²
Volume, LiDAR
1,160 m³
Tallest building
11.8 m
Buildings to scale, each on its own parcel
149 m², 11.8 m 149 m², 11.8 m

Location

registered office establishment The establishment unit on the map

Parcels

Cadastral parcelArea Buildings Height / floors
44809I0231/00H000402 m² 1 · 149 m² 11.8 m · 3

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