Bert Matten
ActiveBert Matten has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €78k and a net result of €-3k. Equity is growing by ~32.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 11165 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -23 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency99▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.87 against 2.97 in 2024), and 35.9% 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.
−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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
64.1%
Return on assets
-2.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 28-01-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
23 d early
2023
1 d early
2022
1 d early
2021
3 d early
2020
123 d early
2019
123 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▼ 5.2%
2024 · €83k
2019: €18k
2020: €27k
2021: €35k
2022: €49k
2023: €64k
2024: €83k
2019 → 2025
Total assets
€122k▼ 16.1%
2024 · €146k
2019: €29k
2020: €33k
2021: €67k
2022: €75k
2023: €81k
2024: €146k
2019 → 2025
Net result
€-3k
2024 · €24k
2019: €9k
2020: €8k
2021: €20k
2022: €28k
2023: €31k
2024: €24k
2019 → 2025
Working capital
€42k▼ 15.9%
2024 · €50k
2019: €18k
2020: €27k
2021: €24k
2022: €22k
2023: €37k
2024: €50k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€49k▲ 39.0%€64k▲ 31.8%€83k▲ 28.3%€78k▼ 5.2%
Operating result€25k-€33k▲ 34.2%€36k▲ 10.8%€33k▼ 8.8%€-1k
Net result€20k-€28k▲ 35.2%€31k▲ 12.1%€24k▼ 22.0%€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €1k after €33k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€57k▼ 18.0%
Current assets
€65k▼ 14.3%
Equity and liabilities €122k
Equity
€78k▼ 5.2%
Debt
€44k▼ 30.4%
The debt ratio falls from 43.3% to 35.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€20k▼
2024 · €58k
Cash flow
€18k▼
2024 · €49k
Solvency
64.1%▲
2024 · 56.7%
Current ratio
2.87▼
2024 · 2.97
Quick ratio
2.87▼
2024 · 2.97
Debt / equity
0.56▼
2024 · 0.76
ROE
-4.4%▼
2024 · 29.1%
ROA
-2.8%▼
2024 · 16.5%
Interest coverage
9.53▼
2024 · 25.99
Debt
€44k▼
2024 · €63k
Debt ≤ 1 year
€23k▼
2024 · €25k
Debt > 1 year
€21k▼
2024 · €37k
Income taxes
€198▼
2024 · €7k
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€146k€122k▼
Fixed assets21/28€70k€57k▼
Tangible fixed assets22/27€70k€48k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€62k€43k▼
Other tangible fixed assets26€6k€4k▼
Financial fixed assets28-€9k
Current assets29/58€76k€65k▼
Amounts receivable after more than one year29€28k€45k▲
Other amounts receivable291€28k€45k▲
Amounts receivable within one year40/41€12k€13k▲
Trade receivables40€8k€8k▼
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€35k€6k▼
Deferred charges and accrued income490/1€736€921▲
Equity and liabilities
Total equity and liabilities10/49€146k€122k▼
Equity10/15€83k€78k▼
Contributions10/11€19k€19k=
Reserves13€64k€60k▼
Tax-exempt reserves132€8k€8k=
Distributable reserves133€56k€52k▼
Amounts payable17/49€63k€44k▼
Amounts payable after more than one year17€37k€21k▼
Financial debts170/4€37k€21k▼
Amounts payable within one year42/48€25k€23k▼
Current portion of amounts payable after more than one year42€20k€18k▼
Trade debts44€816€120▼
Suppliers440/4€816€120▼
Taxes, remuneration and social security45€4k€4k▼
Taxes450/3€4k€4k▼
Other amounts payable47/48-€660
Income statement
Code20242025
Non-recurring operating income76A€21k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€22k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€60k€22k▼
Operating profit (loss)9901€33k€-1k▼
Financial income75/76B€297-
Recurring financial income75€297-
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€31k€-3k▼
Income taxes67/77€7k€198▼
Profit (loss) for the period9904€24k€-3k▼
Profit (loss) for the period to be appropriated9905€24k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-3k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€18k-
To other reserves6921€18k-
Profit to be distributed694/7€6k€833▼
Return on contributions (dividend)694€833€833=
Directors or managers695€5k-
The notes to these accounts (7 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €-3k ▼114%
Net result drops to €-3k, the lowest in the series.
08-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €31k ▲12.1%
Operating result €36k, net result €31k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Liquidity doublescurrent ratio 5.80
Current ratio from 2.71 to 5.80; short-term debt falls from €10k to €6k.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Alveringem · 1 establishment unit since 2010
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.
Fortem 288690 AlveringemGround area
942 m²
Building footprint
105 m²
Volume, LiDAR
515 m³
Parcel 38002D0060/00V000, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bert Matten
since 20102.191.565.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38002D0060/00V000 | Flanders | 942 m² | 1 · 105 m² | 7.5 m · 2 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
Negotium
BE 0466.897.424
Leuven · Eq €78k
G & M EQUIPMENT
BE 0746.550.996
Lasne · Eq €78k
P.L. TEXTILES
BE 0476.419.458
Mouscron · Eq €78k
SEBIXCOM
BE 0849.923.502
Charleroi · Eq €78k
LouVik
BE 0899.476.743
Erpe-Mere · Eq €79k
Of 1,070 companies in sector 46140 we hold annual accounts for 640. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-08-2010
Fiscal year end30-06
Activities, NACEBEL
46140Agents in the wholesale of industrial machinery, ships and aircraft
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.