BERT TORFS
ActiveBERT TORFS has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €278k and a net result of €43k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 11195 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▼-15
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 3.94 against 4.37 in 2024), and 21.2% 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
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 · 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
78.8%
Return on assets
12.1%
Age of the figures
11 mo
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 →
neutral · Latest accounts filed on time
The financial year that closed on 01-10-2025 was due by 01-05-2026 and was filed on 24-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
13 d early
2023
22 d early
2022
20 d early
2021
32 d early
2020
10 d early
2019
38 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-10-2026 and is due by 01-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today01-10-2026 close01-05-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€278k▼ 2.8%
2024 · €286k
2018: €158k
2019: €209k
2020: €238k
2021: €249k
2022: €262k
2023: €287k
2024: €286k
2018 → 2025
Total assets
€353k▼ 3.2%
2024 · €365k
2018: €163k
2019: €226k
2020: €272k
2021: €294k
2022: €304k
2023: €332k
2024: €365k
2018 → 2025
Net result
€43k▼ 18.8%
2024 · €53k
2018: €20k
2019: €52k
2020: €50k
2021: €47k
2022: €48k
2023: €46k
2024: €53k
2018 → 2025
Working capital
€216k▼ 16.7%
2024 · €260k
2018: €121k
2019: €175k
2020: €202k
2021: €218k
2022: €229k
2023: €258k
2024: €260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€249k-€262k▲ 5.5%€287k▲ 9.4%€286k▼ 0.3%€278k▼ 2.8%
Operating result€66k-€67k▲ 1.9%€62k▼ 6.8%€72k▲ 15.3%€58k▼ 19.2%
Net result€47k-€48k▲ 1.9%€46k▼ 4.0%€53k▲ 15.1%€43k▼ 18.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €353k
Fixed assets
€64k▲ 123%
Current assets
€290k▼ 13.9%
Equity and liabilities €353k
Equity
€278k▼ 2.8%
Debt
€75k▼ 4.9%
The debt ratio falls from 21.6% to 21.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€70k▼
2024 · €78k
Cash flow
€54k▼
2024 · €59k
Solvency
78.8%▲
2024 · 78.4%
Current ratio
3.94▼
2024 · 4.37
Quick ratio
3.94▼
2024 · 4.37
Debt / equity
0.27▼
2024 · 0.28
ROE
15.3%▼
2024 · 18.3%
ROA
12.1%▼
2024 · 14.4%
Interest coverage
23.42▼
2024 · 64.91
Debt
€75k▼
2024 · €79k
Debt ≤ 1 year
€74k▼
2024 · €77k
Income taxes
€16k▼
2024 · €20k
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€365k€353k▼
Fixed assets21/28€28k€64k▲
Tangible fixed assets22/27€28k€63k▲
Land and buildings22€18k€15k▼
Furniture and vehicles24€7k€45k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€628€628=
Current assets29/58€337k€290k▼
Amounts receivable within one year40/41€18k€34k▲
Trade receivables40€18k€28k▲
Other amounts receivable41€734€5k▲
Current investments50/53€58k€158k▲
Cash at bank and in hand54/58€257k€95k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€365k€353k▼
Equity10/15€286k€278k▼
Contributions10/11€19k€19k=
Reserves13€251k€242k▼
Non-distributable reserves130/1€0-
Own shares acquired1312€0-
Distributable reserves133€251k€242k▼
Profit (loss) carried forward14€16k€17k▲
Amounts payable17/49€79k€75k▼
Amounts payable within one year42/48€77k€74k▼
Financial debts43-€69
Credit institutions430/8-€69
Trade debts44€142€399▲
Suppliers440/4€142€399▲
Taxes, remuneration and social security45€3k€12k▲
Taxes450/3€3k€12k▲
Other amounts payable47/48€74k€61k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€12k▲
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€0-
Gross operating margin9900€79k€70k▼
Operating profit (loss)9901€72k€58k▼
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€3k▲
Non-recurring financial income76B-€1k
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€73k€59k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€53k€43k▼
Profit (loss) for the period to be appropriated9905€53k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€59k▼
Profit (loss) brought forward from the previous period14P€17k€16k▼
Transfer from equity791/2€52k€52k▼
Transfer to equity691/2€53k€43k▼
To other reserves6921€53k€43k▼
Profit to be distributed694/7€53k€51k▼
Return on contributions (dividend)694€53k€51k▼
The notes to these accounts (9 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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-10
Financial
Highest result since 2018net €53k ▲15.1%
Operating result €72k, net result €53k, both a record.
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-10
Financial
Equity above €200kEq €209k ▲32.3%
2 profitable years in a row build equity to €209k.
30-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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
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, Leuven · 1 establishment unit since 1998
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.
Wilselsesteenweg 2453010 LeuvenGround area
1,366 m²
Building footprint
106 m²
Volume, LiDAR
725 m³
Parcel 24051A0270/00C000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wilselsesteenweg 245, 3010 Leuven
since 19982.085.243.444
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24051A0270/00C000 | Flanders | 1,366 m² | 1 · 106 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600WIDQCOL28AUK23
Similar companies · same sector, comparable size
"THASTEL"
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GROUP INDUS-TECHNOLOGIE
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SMIG
BE 0456.965.119
Soumagne · Eq €281k
Kantoormeubelhandel Michel Huybers
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Of 2,120 companies in sector 46500 we hold annual accounts for 1,400. 1,069 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-1998
Fiscal year end01-10
Activities, NACEBEL
46500Wholesale of information and communication equipment
46660Wholesale trade
51850
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.