Equity
-€19,807
Debts exceed assets in financial year 2026.
Bert Projects
Overview
Lifetime
3 annual accounts with figures on one time axispeak -€2,361 (2025)
-€12,975▼ €10,614
lowest -€14,611 (2026)
-€14,611▼ €11,924
peak -€2,508 (2024)
-€19,807▼ €14,611
€36,918▲ 588%
Board3 names since 2022
1 director
Documentsfilings and deeds
19-10-202612 days before the deadline
2026micro format
Gross margin from -€2,361 to -€12,975Loss of €14,611Equity from -€5,196 to -€19,807Debts from €5,366 to €36,918Cash from €171 to €402
Key points
from the 2026 annual accountsLosses
-€22,807 in three years
Every financial year from 2024 to 2026 closed with a loss. 2026 was the heaviest.
Debts
€36,918 216% of the balance sheet
Suppliers 95%Taxes and wages 3%Other 2%
Of this, €36,307 falls due within a year.
Investments
€2,763 6.4 × depreciation
Green is investment, beige is depreciation.
Starting capital
€3,000 300 shares
Position in the sector
-115.8%
Lower solvency than 92% of companies in wholesale trade. Sector median 45.9% · 575 companies.
Turnover not published (micro format)
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 7,637 companies had the same profile as Bert Projects has now. Each dot stands for 20 companies, two years later.
84.7%
were still trading
5.6%
stopped another way
8.9%
went bankrupt
Another 0.8% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 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.
| 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 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
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 7,637 companies, not a prediction for Bert Projects. 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
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Recent changes
Company renamed from Ruygen to Bert Projects
Registered office moved from Nijlen to Molenstede · New registered office: Turnhoutsebaan 185, 3294 Molenstede · Previous registered office: Elsendonkstraat 122, 2560 Nijlen · General meeting of 24-06-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0785286066
Incorporation
Founding capital of €3,000, 300 shares · Founder: · Appointment: (director) · published on 25-04-2022 · Gazette deed
First establishment
Turnhoutsebaan 185, Diest
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bert Projects Diest | €17,112 | -€12,975 | -115.8% | - |
| GLENN VEHENT Zele | €15,566 | -€12,358 | 99.8% | - |
| CIRCONFLEXE Grâce-Hollogne | €11,083 | -€5,808 | 7.0% | - |
| NUBEM Kinrooi | €21,409 | €775 | 71.5% | - |
| AQUAESSENTIALS Sint-Pieters-Leeuw | €10,443 | -€3,494 | 49.8% | - |
| BeliDender Halle | €12,263 | -€121 | 55.2% | 0 |
| RE-MAT Lobbes | €7,340 | -€5,038 | 15.7% | - |
These companies have the same main activity as Bert Projects: agents in the wholesale of timber and building materials (NACE 46130). They are comparable in size and age: total assets between €7,340 and €21,400, founded between 2018 and 2024.
Official details
Source: KBO- Status
- Active since 21-04-2022Normal situation
- Activity
- Agents in the wholesale of timber and building materialsNACE 46130and 1 other
- Establishment unit
- 2.336.002.5973294 Diest, since 21-04-2022
- Financial year end
- 31 March
- Peppol
- Reachable since 16-01-2025
Annual accounts to 31-03-2026
- -€12,975▼ 450%
- €14,611▲ 444%
- -€19,807▼ 281%
- €17,112▲ 100×
- Filing
- Filed on 19-10-2026, 12 days before the end of the filing period
Insights on Bert Projects
Bert Projects files the micro format. That format states no turnover. The gross margin fell from -€4,810 in 2024 to -€12,975 in 2026.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2026
micro format, filed on 19-10-2026, 12 days before the deadline-€12,975
▼ €10,614
-€14,725
▼ €12,180
-€14,611
▼ €11,924
-€21,525
▼ €16,330
-115.8%
0.41
Turnover and EBIT margin are not published. The micro format does not require them.
Balance sheet
balance sheet total €17,112 on 31-03-2026What the company ownsHow it is paid for
in euro
in euro
Position in the sector
-115.8%
Higher than 17% of 15,487 companies in 2024.
0.41
Higher than 94% of 14,784 companies in 2024.
-85.4%
Higher than 8% of 15,001 companies in 2024.
Bert Projects
Middle half of the sector
80% of the sector
Micro accounts in wholesale trade (NACE 46)
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
17,112 | 171 | 19,029 | |
21/28 |
2,330 | - | - | |
22/27 |
2,330 | - | - | |
24 |
2,330 | - | - | |
29/58 |
14,782 | 171 | 19,029 | |
40/41 |
12,515 | - | - | |
41 |
12,515 | - | - | |
54/58 |
402 | 171 | 19,029 | |
490/1 |
1,865 | - | - | |
| Balance sheet: equity and liabilities | ||||
10/49 |
17,112 | 171 | 19,029 | |
10/15 |
-19,807 | -5,196 | -2,508 | |
10/11 |
3,000 | 3,000 | 3,000 | |
14 |
-22,807 | -8,196 | -5,508 | |
17/49 |
36,918 | 5,366 | 21,537 | |
17 |
- | 0 | 20,000 | |
170/4 |
- | 0 | 20,000 | |
42/48 |
36,307 | 5,366 | 1,237 | |
44 |
35,133 | 66 | 837 | |
440/4 |
35,133 | 66 | 837 | |
45 |
1,174 | - | - | |
450/3 |
1,174 | - | - | |
47/48 |
0 | 5,301 | 400 | |
492/3 |
611 | 0 | 300 | |
| Income statement | ||||
9900 |
-12,975 | -2,361 | -4,810 | |
630 |
433 | - | - | |
640/8 |
1,317 | 184 | 284 | |
9901 |
-14,725 | -2,545 | -5,093 | |
75/76B |
365 | - | - | |
75 |
365 | - | - | |
65/66B |
79 | 143 | 415 | |
65 |
79 | 143 | 415 | |
9903 |
-14,439 | -2,687 | -5,508 | |
67/77 |
173 | - | - | |
9904 |
-14,611 | -2,687 | -5,508 | |
9905 |
-14,611 | -2,687 | -5,508 | |
| Appropriation of the result | ||||
9906 |
-22,807 | -8,196 | -5,508 | |
14P |
-8,196 | -5,508 | - | |
| Document | ||||
The notes to these accounts have 9 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 2026 at the NBB, filed on 19-10-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2026 | 2025 | 2024 |
|---|---|---|---|---|
| -14,292 | - | - | ||
| -14,179 | - | - | ||
| 2,763 | - | - | ||
| 231 | -18,858 | - | ||
| -21,525 | -5,196 | 17,792 | ||
| -115.8% | - | -13.2% | ||
| 0.41 | - | 15.38 | ||
| -85.4% | - | -28.9% | ||
| -180.89 | - | - |
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
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.
Investments
fixed assets acquired| Item | 31-03-2026 | 31-03-2025 | 31-03-2024 |
|---|---|---|---|
| Tangible fixed assets | €2,763 | - | - |
| Financial fixed assets | €0 | - | - |
| €433 | - | - |
Source: notes to the 2024 to 2026 annual accounts (statement of fixed assets)
Insights on Bert Projects
The operating result for 2026 is a loss of €14,725, larger than the loss of €2,545 in 2025. It is the lowest result since 2024.
Equity is negative. Debt (€36,918) exceeds the balance-sheet total (€17,112).
Board & ownership
Board
1 director, no change since 2025- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- “ARTIKEL 15. VERTEGENWOORDIGINGSBEVOEGDHEID Iedere bestuurder, afzonderlijk optredend, is bevoegd om de vennootschap te vertegenwoordigen in…”deed of 25-04-2022
Mandates through the years
3 names, the dashed line is todayDirector
Director (not named in the articles)
Director (not named in the articles)
BoardEarlierend not dated
Mandates as a list
-
- Director, from 24-06-2025 to date
-
- Director (not named in the articles), from 21-04-2022 to 03-07-2025
-
- Director (not named in the articles), appointed by deed of 03-07-2025, no longer listed in the 2026 annual accounts
Control
Founder
This company
Bert Projects
Equity -€19,807
Loss €14,611 in 2026
Capital
- Contribution
- €3,000
- Shares
- 300
- Contribution per share
- €10
- Equity per share
- -€66.02 in 2026
- Source
- deed of 25-04-2022
Articles of association
deed of 25-04-2022 (in Dutch)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Te allen tijde zonder opgave van redenen met onmiddellijke ingang, tenzij anders in benoemingsbesluit, gewone meerderheid der uitgebrachte…”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of September at 19:00
- Dissolution ruleThe articles set when and by whom the company can be dissolved.
- “Algemene vergadering, vormvereisten,aanwezigheidsquorum en meerderheid Wetboek van vennootschappen en verenigingen”
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “Ondernemingsrechtbank waar zetel gevestigd is, instemming alle aandeelhouders en houders stemrechtverlenende effecten”
Shareholders
At incorporation
deed of 25-04-2022 ↗
- 300 shares (100%) · €3,000
Network & group
No group
Bert Projects has no parent and no holdings in its annual accounts. is the only director. Bert Projects shares no director with another company.
Timeline
Timeline
8 events since 2022Board
Filings
Financial
Establishments
Address
20222023202420252026
Deadline for the 2027 accounts: 31-10-2027
2026
Annual accounts 2026 filed NBBmicro format · 12 days before the deadline
Weakest financial year net -€14,611 The net result drops to -€14,611, the lowest from 2024 to 2026.
2025
Annual accounts 2025 filed PDFmicro format · 58 days before the deadline
Company renamed from Ruygen to Bert ProjectsRegistered office moved from Nijlen to Molenstede · New registered office: Turnhoutsebaan 185, 3294 Molenstede · Previous registered office: Elsendonkstraat 122, 2560 Nijlen · General meeting of 24-06-20257 points ▸
- General meeting, 24-06-2025
- Name change, Bert Projects
- Purpose change, “Het aankopen, verkopen, restaureren, valoriseren, verkavelen, doen bouwen, doen verbouwen, huren, verhuren, leasing, beheer, inrichten en uitbaten van…” (deed in Dutch)
- Registered-office move, Turnhoutsebaan 185, 3294 Molenstede
- Director resignation,
- Director appointment, (director (not named in the articles))
- Power of attorney, , mentioned twice in the deed
- The deed holds 3 more points.
Registered in the Peppol Directory Reachable for e-invoices through 0208:0785286066
2024
Annual accounts 2024 filed PDFmicro format · 9 days before the deadline
2022
IncorporationFounding capital of €3,000, 300 shares · Founder: · Appointment: (director) · published on 25-04-20225 points ▸
- Founder,
- 300 shares
- Registered office clause, Elsendonkstraat 122, 2560 Nijlen
- Director appointment, (director (not named in the articles))
- Founding capital, €3,000, 300 shares
- The deed holds 4 more points.
First establishment Turnhoutsebaan 185, Diest
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 21 April 2022, Bert Projects was incorporated as a private limited company by one natural person, with a starting capital of €3,000.12 The name was changed to Bert Projects in 2025.3 In 2025 the registered office moved to Molenstede.3 has served as director since 2025.4 Total assets went from €19,029 in 2024 to €17,112 in 2026.5
Company details
Identity
- Enterprise number
- 0785.286.066
- VAT number
- BE 0785.286.066
- Peppol ID
- 0208:0785286066
- Other Peppol ID
- 9925:BE0785286066
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 21-04-2022
- Financial year
- ends on 31 March
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Tuesday of September at 19:00deed of 25-04-2022 (in Dutch)
- Peppol
- Reachable since 16-01-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Bert Projects in Dutch
- Former name
- Ruygen until the deed of 03-07-2025
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 25-04-2022 (in Dutch)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Vlaams Gewest”deed of 25-04-2022 (in Dutch)
Activities
NACEBEL 202546130
Agents in the wholesale of timber and building materials main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Projectontwikkeling; bouw- en verkavelingsprojecten realiseren; De aankoop, de verkoop, de ruiling, de commissie, de makelarij, het in huur…”deed of 25-04-2022 (in Dutch)
11 activities
- Projectontwikkeling; bouw- en verkavelingsprojecten realiseren;
- De aankoop, de verkoop, de ruiling, de commissie, de makelarij, het in huur of erfpacht nemen, de verhuring, het bouwen, de uitbating, het valoriseren, de verdeling, het beheer van alle onroerende goederen van welke aard ook, onroerende leasing, zowel in binnen als in buitenland, alsmede de handelingen die rechtstreeks of onrechtstreeks met dit doel in verband staan;
- Het doen verrichten van alle bouw- en verbouwingswerkzaamheden door onderaannemers en het coördineren ervan;
- De uitvoering van alle infrastructuur- en uitrustingswerken van gronden met oog op hun verkaveling en hun valorisatie;
- Het doen opbrengen van onroerende goederen, inzonderheid door het oprichten van appartement- of andere gebouwen, met hun binnenhuisinrichting en voltooiing en vervolgens met hun beheer en uitbating;
- Het aanleggen, het oordeelkundig uitbouwen en beheren van een onroerend vermogen;
- Het verlenen van adviezen en diensten voor het ontwikkelen van veiligheid- en kwaliteitssystemen In een onderneming, alsook het optreden als freelance preventieadviseur;
- De uitvoering van alle renovatiewerken en alle verbouwingswerken aan gebouwen evenals het onderhoud van gebouwen;
- Illustratie; muurschilderingen;
- Groothandel In elektronica en bouwmaterialen;
- Het waarnemen van alle bestuursopdrachten, het uitoefenen van mandaten en functies die rechtsreeks en onrechtstreeks met haar doel verband houden.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Turnhoutsebaan 185 registered office 3294 Diest | 21-04-2022 | 2.336.002.597 |
1 former office
- 2560 Nijlen until the deed of 03-07-2025
Buildings and parcels at the address
- Ground area
- 871 m²
- Buildings
- 133 m²
- Volume, LiDAR
- 584 m³
- Tallest building
- 5.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 24073K0102/00Y004 | 871 m² | 1 · 133 m² | 5.6 m · 1 |