BERT & CO
ActiveSummary
BERT & CO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €522k and a net result of €171k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 93% of 3705 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency100▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 6.64 against 3.72 in 2024; short-term debt: 12.1% and cash: 64.1% of total assets), and 18% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
82%
Return on assets
26.8%
Age of the figures
9 mo
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €522k
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 29-06-2026, 32 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
32 d early
2024
23 d early
2023
6 d early
2022
58 d late
2021
30 d early
2020
23 d early
2019
34 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€522k▲ 48.7%
2024 · €351k
2018: €28k
2019: €36k▲ +28.6% vs 2018
2020: €-17k▼ -147% vs 2019
2021: €-44k▼ -156% vs 2020lowest in 8 years
2022: €180k▲ +514% vs 2021
2023: €220k▲ +22.3% vs 2022
2024: €351k▲ +59.2% vs 2023
2025: €522k▲ +48.7% vs 2024highest in 8 years
2018 → 2025
Total assets
€636k▲ 28.3%
2024 · €496k
2018: €273k
2019: €200k▼ -26.5% vs 2018
2020: €196k▼ -2.1% vs 2019lowest in 8 years
2021: €251k▲ +27.8% vs 2020
2022: €311k▲ +24.1% vs 2021
2023: €455k▲ +46.1% vs 2022
2024: €496k▲ +9.1% vs 2023
2025: €636k▲ +28.3% vs 2024highest in 8 years
2018 → 2025
Net result
€171k▲ 31.0%
2024 · €130k
2018: €56k
2019: €8k▼ -85.8% vs 2018
2020: €-53k▼ -764% vs 2019lowest in 8 years
2021: €-27k▲ +49.7% vs 2020
2022: €224k▲ +942% vs 2021highest in 8 years
2023: €40k▼ -82.0% vs 2022
2024: €130k▲ +224% vs 2023
2025: €171k▲ +31.0% vs 2024
2018 → 2025
Working capital
€436k▲ 61.7%
2024 · €269k
2018: €-3k
2019: €12k▲ +486% vs 2018
2020: €-28k▼ -324% vs 2019
2021: €-50k▼ -80.7% vs 2020lowest in 8 years
2022: €174k▲ +447% vs 2021
2023: €204k▲ +17.3% vs 2022
2024: €269k▲ +32.2% vs 2023
2025: €436k▲ +61.7% vs 2024highest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-44k-€180k€220k▲ 22.3%€351k▲ 59.2%€522k▲ 48.7%
2021: €-44klowest in 5 years
2022: €180k▲ +514% vs 2021
2023: €220k▲ +22.3% vs 2022
2024: €351k▲ +59.2% vs 2023
2025: €522k▲ +48.7% vs 2024highest in 5 years
Operating result€-23k-€258k€58k▼ 77.4%€190k▲ 226%€250k▲ 31.5%
2021: €-23klowest in 5 years
2022: €258k▲ +1234% vs 2021highest in 5 years
2023: €58k▼ -77.4% vs 2022
2024: €190k▲ +226% vs 2023
2025: €250k▲ +31.5% vs 2024
Net result€-27k-€224k€40k▼ 82.0%€130k▲ 224%€171k▲ 31.0%
2021: €-27klowest in 5 years
2022: €224k▲ +942% vs 2021highest in 5 years
2023: €40k▼ -82.0% vs 2022
2024: €130k▲ +224% vs 2023
2025: €171k▲ +31.0% vs 2024
Turnover and EBIT margin not published: the abbreviated or 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 32% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €636k
Fixed assets
€124k ▼ 3.3%
Current assets
€513k ▲ 39.2%
Equity and liabilities €636k
Equity
€522k ▲ 48.7%
Debt
€115k ▼ 21.0%
Debt's share of the balance-sheet total falls from 29.3% to 18.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€281k▲
2024 · €218k
Cash flow
€202k▲
2024 · €159k
Current ratio
6.64▲
2024 · 3.72
Quick ratio
6.54▲
2024 · 3.62
Debt to equity
0.22▼
2024 · 0.41
ROE
32.8%▼
2024 · 37.2%
ROA
26.8%▲
2024 · 26.3%
Interest coverage
90.13▲
2024 · 36.12
Debt ≤ 1 year
€77k▼
2024 · €99k
Debt > 1 year
€38k▼
2024 · €46k
Income taxes
€77k▲
2024 · €55k
Staff costs
€63k▲
2024 · €29k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€496k€636k▲
Fixed assets21/28€128k€124k▼
Tangible fixed assets22/27€127k€121k▼
Land and buildings22€47k€40k▼
Plant, machinery and equipment23€18k€34k▲
Furniture and vehicles24€62k€48k▼
Financial fixed assets28€510€2k▲
Current assets29/58€368k€513k▲
Stocks and contracts in progress3€11k€8k▼
Stocks30/36€11k€8k▼
Amounts receivable within one year40/41€128k€92k▼
Trade receivables40€82k€65k▼
Other amounts receivable41€45k€27k▼
Cash at bank and in hand54/58€229k€408k▲
Deferred charges and accrued income490/1€922€5k▲
Equity and liabilities
Total equity and liabilities10/49€496k€636k▲
Equity10/15€351k€522k▲
Contributions10/11€6k€6k=
Reserves13€342k€513k▲
Distributable reserves133€342k€513k▲
Profit (loss) carried forward14€2k€2k=
Amounts payable17/49€145k€115k▼
Amounts payable after more than one year17€46k€38k▼
Financial debts170/4€46k€38k▼
Amounts payable within one year42/48€99k€77k▼
Current portion of amounts payable after more than one year42€9k€9k=
Trade debts44€65k€41k▼
Suppliers440/4€65k€41k▼
Taxes, remuneration and social security45€25k€28k▲
Taxes450/3€22k€21k▼
Remuneration and social security454/9€4k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€29k€63k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€31k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€251k€348k▲
Operating profit (loss)9901€190k€250k▲
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€6k€3k▼
Recurring financial charges65€6k€3k▼
Profit (loss) for the period before taxes9903€185k€248k▲
Income taxes67/77€55k€77k▲
Profit (loss) for the period9904€130k€171k▲
Profit (loss) for the period to be appropriated9905€130k€171k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€173k▲
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer to equity691/2€130k€171k▲
To other reserves6921€130k€171k▲
Social balance
Average headcount (FTE)90870.91.4▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €29k | €63k | ▲ 119% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €18k | €17k | €17k | €28k | €31k | ▲ 10.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €-4k | - | - | - | - |
| Other operating charges640/8 | €3k | €3k | €3k | €4k | €3k | ▼ 19.6% |
| Gross operating margin9900 | €-2k | €275k | €78k | €251k | €348k | ▲ 38.4% |
| Operating profit (loss)9901 | €-23k | €258k | €58k | €190k | €250k | ▲ 31.5% |
| Financial income75/76B | €2k | €4k | €2k | €1k | €1k | ▲ 31.9% |
| Recurring financial income75 | €2k | €4k | €2k | €1k | €1k | ▲ 31.9% |
| Financial charges65/66B | €5k | €3k | €4k | €6k | €3k | ▼ 48.4% |
| Recurring financial charges65 | €5k | €3k | €4k | €6k | €3k | ▼ 48.4% |
| Profit (loss) for the period before taxes9903 | €-26k | €260k | €56k | €185k | €248k | ▲ 34.1% |
| Income taxes67/77 | €105 | €36k | €16k | €55k | €77k | ▲ 41.6% |
| Profit (loss) for the period9904 | €-27k | €224k | €40k | €130k | €171k | ▲ 31.0% |
| Profit (loss) for the period to be appropriated9905 | €-27k | €224k | €40k | €130k | €171k | ▲ 31.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €251k | €311k | €455k | €496k | €636k | ▲ 28.3% |
| Fixed assets21/28 | €87k | €74k | €72k | €128k | €124k | ▼ 3.3% |
| Tangible fixed assets22/27 | €86k | €73k | €71k | €127k | €121k | ▼ 4.6% |
| Land and buildings22 | €75k | €64k | €54k | €47k | €40k | ▼ 14.9% |
| Plant, machinery and equipment23 | €4k | €4k | €11k | €18k | €34k | ▲ 90.7% |
| Furniture and vehicles24 | €7k | €5k | €6k | €62k | €48k | ▼ 23.8% |
| Financial fixed assets28 | €510 | €510 | €510 | €510 | €2k | ▲ 318% |
| Current assets29/58 | €164k | €237k | €383k | €368k | €513k | ▲ 39.2% |
| Stocks and contracts in progress3 | €4k | €2k | €9k | €11k | €8k | ▼ 24.1% |
| Stocks30/36 | €4k | €2k | €9k | €11k | €8k | ▼ 24.1% |
| Amounts receivable within one year40/41 | €88k | €136k | €282k | €128k | €92k | ▼ 28.1% |
| Trade receivables40 | €13k | €78k | €230k | €82k | €65k | ▼ 20.8% |
| Other amounts receivable41 | €75k | €58k | €53k | €45k | €27k | ▼ 41.3% |
| Cash at bank and in hand54/58 | €71k | €95k | €90k | €229k | €408k | ▲ 77.9% |
| Deferred charges and accrued income490/1 | €1k | €5k | €1k | €922 | €5k | ▲ 475% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €251k | €311k | €455k | €496k | €636k | ▲ 28.3% |
| Equity10/15 | €-44k | €180k | €220k | €351k | €522k | ▲ 48.7% |
| Contributions10/11 | €6k | €6k | €6k | €6k | €6k | = |
| Reserves13 | €22k | €172k | €212k | €342k | €513k | ▲ 49.9% |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €21k | €170k | €212k | €342k | €513k | ▲ 49.9% |
| Profit (loss) carried forward14 | €-72k | €2k | €2k | €2k | €2k | = |
| Amounts payable17/49 | €294k | €131k | €234k | €145k | €115k | ▼ 21.0% |
| Amounts payable after more than one year17 | €80k | €67k | €55k | €46k | €38k | ▼ 19.0% |
| Financial debts170/4 | €80k | €67k | €55k | €46k | €38k | ▼ 19.0% |
| Amounts payable within one year42/48 | €214k | €64k | €179k | €99k | €77k | ▼ 22.0% |
| Current portion of amounts payable after more than one year42 | €13k | €13k | €12k | €9k | €9k | = |
| Trade debts44 | €111k | €45k | €83k | €65k | €41k | ▼ 37.4% |
| Suppliers440/4 | €111k | €45k | €83k | €65k | €41k | ▼ 37.4% |
| Advances received on contracts in progress46 | €82k | - | €63k | - | - | - |
| Taxes, remuneration and social security45 | €9k | €6k | €21k | €25k | €28k | ▲ 10.0% |
| Taxes450/3 | €9k | €6k | €21k | €22k | €21k | ▼ 2.3% |
| Remuneration and social security454/9 | €131 | - | - | €4k | €7k | ▲ 81.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-27k | €224k | €40k | €130k | €171k | ▲ 31.0% |
| + Depreciation and write-downs630 | €18k | €17k | €17k | €28k | €31k | ▲ 10.8% |
| Operating cash flow (approximation) | €-8k | €241k | €57k | €159k | €202k | ▲ 27.4% |
| Investment in fixed assets (approximation) | - | €-5k | €-15k | €-84k | €-27k | ▲ 67.7% |
| Change in cash | - | €23k | €-5k | €139k | €179k | ▲ 28.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €522k ▲48.7%
4 profitable years in a row build equity to €522k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €220k ▲22.3%
2 profitable years in a row build equity to €220k.
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
31-12
Financial
Back to profitnet €224k
Net result €224k after 2 loss-making years.
31-12
Financial
Liquidity times 5current ratio 3.73
Current ratio from 0.77 to 3.73; short-term debt falls from €214k to €64k.
31-12
Financial
Equity above €150kEq €180k
Equity rises from €-44k to €180k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-53k
Net result drops to €-53k, the lowest in the series; recovery starts the following year.
Show earlier events
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Kapellen · 2 establishment units since 2007
Ground area
4,081 m²
Building footprint
388 m²
Volume, LiDAR
2,213 m³
2 parcels, Flanders · tallest building 12.8 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Bert & Co
since 20072.187.102.055
Barnkrachtstraat 12, 2170 Antwerpen
since 20222.326.918.251
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11902H0020/00H000 | Flanders | 3,936 m² | 1 · 243 m² | 6.5 m · 1 fl. |
| 11422C0294/00G014 | Flanders | 145 m² | 1 · 145 m² | 12.8 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels 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
2022 to 2025 · 6 entries · 60,490 EUR awarded · 60,490 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 5,035 EUR | 5,035 EUR |
| 2024 | 1 | 6,050 EUR | 6,050 EUR |
| 2023 | 1 | 9,338 EUR | 9,338 EUR |
| 2022 | 3 | 40,067 EUR | 40,067 EUR |
Schemes
Globalisatiemechanisme (stopgezet)
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Vlaams Beschermingsmechanisme 11 (stopgezet)
Vlaams beschermingsmechanisme 12 (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteKapellen (Antw.)2.187.102.055
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Of 1,350 companies in sector 56220 we hold annual accounts for 406. 214 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-11-2007
Fiscal year end31-12
Trade name NL
SUPERB CATERING
Activities, NACEBEL 2025
56210Event catering
56220Contract catering and other food service activities
Scores and ratios are computed by Checked and are not a credit decision.