Bert.
ActiveSummary
Bert. has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €56k. Its solvency ranks better than 75% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+8
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity ample (current ratio 4.8 against 2.96 in 2024; short-term debt: 20.7% and cash: 12.7% of total assets), and 20.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
79.3%
Return on assets
42.2%
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 11-03-2026, 142 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
142 d early
2024
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€106k▲ 107%
2024 · €51k
2024: €51k
2024 → 2025
Total assets
€133k▲ 73.9%
2024 · €77k
2024: €77k
2024 → 2025
Net result
€56k▲ 12.7%
2024 · €50k
2024: €50k
2024 → 2025
Working capital
€105k▲ 110%
2024 · €50k
2024: €50k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€51k-€106k▲ 107%
Operating result€63k-€70k▲ 11.1%
Net result€50k-€56k▲ 12.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €133k
Fixed assets
€720 ▼ 35.0%
Current assets
€133k ▲ 75.5%
Equity and liabilities €133k
Equity
€106k ▲ 107%
Debt
€28k ▲ 8.3%
Debt's share of the balance-sheet total falls from 33.3% to 20.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€70k▲
2024 · €63k
Cash flow
€57k▲
2024 · €50k
Current ratio
4.80▲
2024 · 2.96
Debt to equity
0.26▼
2024 · 0.50
ROE
53.2%▼
2024 · 97.5%
ROA
42.2%▼
2024 · 65.0%
Interest coverage
380.93▼
2024 · 8685.78
Debt ≤ 1 year
€28k▲
2024 · €26k
Income taxes
€15k▲
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€77k€133k▲
Fixed assets21/28€1k€720▼
Tangible fixed assets22/27€1k€720▼
Plant, machinery and equipment23€1k€720▼
Current assets29/58€76k€133k▲
Amounts receivable within one year40/41€13k€15k▲
Trade receivables40€13k€15k▲
Current investments50/53€50k€100k▲
Cash at bank and in hand54/58€12k€17k▲
Deferred charges and accrued income490/1-€318
Equity and liabilities
Total equity and liabilities10/49€77k€133k▲
Equity10/15€51k€106k▲
Contributions10/11€3k€3k=
Reserves13€48k€103k▲
Distributable reserves133€48k€103k▲
Amounts payable17/49€26k€28k▲
Amounts payable within one year42/48€26k€28k▲
Trade debts44€1k€428▼
Suppliers440/4€1k€428▼
Taxes, remuneration and social security45€22k€25k▲
Taxes450/3€22k€25k▲
Other amounts payable47/48€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56€388▲
Other operating charges640/8€118€120▲
Gross operating margin9900€63k€70k▲
Operating profit (loss)9901€63k€70k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€7€185▲
Recurring financial charges65€7€185▲
Profit (loss) for the period before taxes9903€63k€71k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€50k€56k▲
Profit (loss) for the period to be appropriated9905€50k€56k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€56k▲
Transfer to equity691/2€48k€55k▲
To other reserves6921€48k€55k▲
Profit to be distributed694/7€2k€2k▼
Return on contributions (dividend)694€2k€2k▼
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
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €106k ▲107%
2 profitable years in a row build equity to €106k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Antwerpen · 1 establishment unit since 2023
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.
Koornbloemstraat 1972610 AntwerpenGround area
5,603 m²
Building footprint
75 m²
Volume, LiDAR
555 m³
Parcel 11462A0434/00H004, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bert.
since 20232.353.519.611
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11462A0434/00H004 | Flanders | 5,602 m² | 1 · 75 m² | 11.5 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,679 EUR awarded · 1,679 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,679 EUR | 1,679 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,683 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82100Office administrative and support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.