BERT.
ActiveThe computed 12-month bankruptcy probability of BERT. is 1.9% (moderate). The 2025 annual accounts show equity of €3k and a net result of €25k. Equity is shrinking by ~22.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 15% of 1885 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency17▲+3
Growth58=
Stability94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.95 against 0.94 in 2024), and 89.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 1885 sector peers (2025).
NBB · sector comparisonPosition among 1885 sector peers
Solvency
better than 15%
← weakest
strongest →
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 09-03-2026, 144 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
144 d early
2024
126 d early
2023
58 d early
2022
17 d early
2021
40 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k=
2024 · €3k
2021: €11k
2022: €28k
2023: €44k
2024: €3k
2021 → 2025
Total assets
€23k▼ 35.0%
2024 · €36k
2021: €27k
2022: €44k
2023: €56k
2024: €36k
2021 → 2025
Net result
€25k▲ 0.6%
2024 · €25k
2021: €9k
2022: €17k
2023: €16k
2024: €25k
2021 → 2025
Working capital
€-1k▲ 42.5%
2024 · €-2k
2021: €11k
2022: €22k
2023: €37k
2024: €-2k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€28k▲ 150%€44k▲ 56.5%€3k▼ 94.3%€3k=
Operating result€12k-€22k▲ 89.0%€20k▼ 9.3%€34k▲ 67.7%€34k▲ 0.4%
Net result€9k-€17k▲ 84.9%€16k▼ 10.0%€25k▲ 57.7%€25k▲ 0.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 0% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €23k
Fixed assets
€4k▼ 18.7%
Current assets
€20k▼ 37.3%
Equity and liabilities €23k
Equity
€3k=
Debt
€21k▼ 37.6%
The debt ratio falls from 93.0% to 89.3%: debt is paid down.
Key figures and ratios
EBITDA
€36k▲
2024 · €36k
Cash flow
€27k▲
2024 · €27k
Solvency
10.7%▲
2024 · 7.0%
Current ratio
0.95▲
2024 · 0.94
Quick ratio
0.95▲
2024 · 0.94
Debt / equity
8.34▼
2024 · 13.37
ROE
997.0%▲
2024 · 991.3%
ROA
106.8%▲
2024 · 69.0%
Interest coverage
892.71▼
2024 · 917.61
Debt
€21k▼
2024 · €33k
Debt ≤ 1 year
€21k▼
2024 · €33k
Income taxes
€9k▼
2024 · €9k
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€36k€23k▼
Fixed assets21/28€4k€4k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€31k€20k▼
Amounts receivable within one year40/41€16k€16k▲
Trade receivables40€16k€13k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€16k€3k▼
Equity and liabilities
Total equity and liabilities10/49€36k€23k▼
Equity10/15€3k€3k=
Contributions10/11€3k€3k=
Amounts payable17/49€33k€21k▼
Amounts payable within one year42/48€33k€21k▼
Trade debts44€2k€789▼
Suppliers440/4€2k€789▼
Taxes, remuneration and social security45€10k€5k▼
Taxes450/3€9k€5k▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€21k€15k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€485€505▲
Gross operating margin9900€36k€37k▲
Operating profit (loss)9901€34k€34k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€39€40▲
Recurring financial charges65€39€40▲
Profit (loss) for the period before taxes9903€34k€34k▲
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€25k€25k▲
Profit (loss) for the period to be appropriated9905€25k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€25k€25k▲
Transfer from equity791/2€41k-
Profit to be distributed694/7€66k€25k▼
Return on contributions (dividend)694€66k€25k▼
The notes to these accounts (5 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
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €25k ▲0.6%
Operating result €34k, net result €25k, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lubbeek · 1 establishment unit since 2021
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.
Kortebergstraat(PEL) 513212 LubbeekGround area
1,739 m²
Building footprint
207 m²
Volume, LiDAR
701 m³
Parcel 24090B0134/00K006, Flanders · tallest building 7.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BERT.
since 20212.324.491.865
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24090B0134/00K006 | Flanders | 1,739 m² | 1 · 207 m² | 7.5 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
SimBa
BE 0759.687.667
Sint-Truiden · Eq €3k
Verposol
BE 0803.032.118
Brugge · Eq €3k
AUREON
BE 0681.386.693
Peer · Eq €3k
STORES LEFEVRE
BE 0740.880.258
Liège · Eq €3k
FENCO
BE 0690.932.879
Zelzate · Eq €2k
Of 904 companies in sector 25120 we hold annual accounts for 673. 55 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2021
Fiscal year end31-12
Activities, NACEBEL
25120Manufacture of fabricated metal products, except machinery and equipment
25110Manufacture of metal structures and parts of structures
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
74104Other professional, scientific and technical activities
74130Interior design
95240Repair and maintenance of furniture and upholstery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.