Bert V.
ActiveSummary
Bert V. has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €57k and a net result of €12k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 43% of 2003 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▼-20
Solvency65▼-18
Growth52=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.8 against 3.0 in 2024; short-term debt: 37.4% and cash: 28.5% of total assets), but 59.7% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 90
Relative position
BE, all sectors
reference
Arts creation and performing arts activities (NACE 90)
about 58% fewer 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
40.3%
Return on assets
8.8%
Age of the figures
15 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 05-01-2026, 26 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
26 d early
2024
32 d early
2023
23 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 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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€57k▼ 26.3%
2024 · €77k
2023: €43klowest in 3 years
2024: €77k▲ +78.6% vs 2023highest in 3 years
2025: €57k▼ -26.3% vs 2024
2023 → 2025
Total assets
€141k▲ 5.4%
2024 · €133k
2023: €68klowest in 3 years
2024: €133k▲ +97.4% vs 2023
2025: €141k▲ +5.4% vs 2024highest in 3 years
2023 → 2025
Net result
€12k▼ 64.3%
2024 · €35k
2023: €41khighest in 3 years
2024: €35k▼ -15.2% vs 2023
2025: €12k▼ -64.3% vs 2024lowest in 3 years
2023 → 2025
Working capital
€42k▼ 40.3%
2024 · €71k
2023: €38klowest in 3 years
2024: €71k▲ +83.6% vs 2023highest in 3 years
2025: €42k▼ -40.3% vs 2024
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€43k-€77k▲ 78.6%€57k▼ 26.3%
2023: €43klowest in 3 years
2024: €77k▲ +78.6% vs 2023highest in 3 years
2025: €57k▼ -26.3% vs 2024
Operating result€56k-€45k▼ 19.3%€19k▼ 58.5%
2023: €56khighest in 3 years
2024: €45k▼ -19.3% vs 2023
2025: €19k▼ -58.5% vs 2024lowest in 3 years
Net result€41k-€35k▼ 15.2%€12k▼ 64.3%
2023: €41khighest in 3 years
2024: €35k▼ -15.2% vs 2023
2025: €12k▼ -64.3% vs 2024lowest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 58% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141k
Fixed assets
€46k ▲ 66.9%
Current assets
€95k ▼ 10.5%
Equity and liabilities €141k
Equity
€57k ▼ 26.3%
Debt
€84k ▲ 48.4%
Debt's share of the balance-sheet total rises from 42.4% to 59.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€25k▼
2024 · €47k
Cash flow
€19k▼
2024 · €36k
Current ratio
1.80▼
2024 · 3.00
Quick ratio
1.65▼
2024 · 2.83
Debt to equity
1.48▲
2024 · 0.74
ROE
21.8%▼
2024 · 45.1%
ROA
8.8%▼
2024 · 25.9%
Interest coverage
11.92▼
2024 · 34.34
Debt ≤ 1 year
€53k▲
2024 · €35k
Debt > 1 year
€31k▲
2024 · €21k
Income taxes
€5k▼
2024 · €10k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€133k€141k▲
Fixed assets21/28€27k€46k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€27k€46k▲
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€21k€21k▲
Other tangible fixed assets26-€18k
Current assets29/58€106k€95k▼
Amounts receivable after more than one year29€20k€20k=
Trade receivables290€20k-
Other amounts receivable291-€20k
Stocks and contracts in progress3€6k€8k▲
Stocks30/36€6k€8k▲
Amounts receivable within one year40/41€40k€25k▼
Trade receivables40€38k€19k▼
Other amounts receivable41€2k€6k▲
Current investments50/53-€800
Cash at bank and in hand54/58€39k€40k▲
Deferred charges and accrued income490/1€1k€446▼
Equity and liabilities
Total equity and liabilities10/49€133k€141k▲
Equity10/15€77k€57k▼
Contributions10/11€3k€3k=
Reserves13€74k€54k▼
Distributable reserves133€74k€54k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€57k€84k▲
Amounts payable after more than one year17€21k€31k▲
Financial debts170/4€21k€31k▲
Amounts payable within one year42/48€35k€53k▲
Current portion of amounts payable after more than one year42€5k€7k▲
Financial debts43€9k€6k▼
Other loans439€9k€6k▼
Trade debts44€10k€6k▼
Suppliers440/4€10k€6k▼
Taxes, remuneration and social security45€8k€934▼
Taxes450/3€8k€934▼
Other amounts payable47/48€3k€33k▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€6k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€48k€26k▼
Operating profit (loss)9901€45k€19k▼
Financial income75/76B€683€530▼
Recurring financial income75€683€530▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€44k€17k▼
Income taxes67/77€10k€5k▼
Profit (loss) for the period9904€35k€12k▼
Profit (loss) for the period to be appropriated9905€35k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€35k€12k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€34k€12k▼
To other reserves6921€34k€12k▼
Profit to be distributed694/7€800€33k▲
Return on contributions (dividend)694€800€33k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | - | €3k | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1k | €2k | €6k | ▲ 256% |
| Other operating charges640/8 | €1k | €1k | €1k | ▼ 1.9% |
| Gross operating margin9900 | €58k | €48k | €26k | ▼ 45.2% |
| Operating profit (loss)9901 | €56k | €45k | €19k | ▼ 58.5% |
| Financial income75/76B | €1 | €683 | €530 | ▼ 22.4% |
| Recurring financial income75 | €1 | €683 | €530 | ▼ 22.4% |
| Financial charges65/66B | €249 | €1k | €2k | ▲ 54.8% |
| Recurring financial charges65 | €249 | €1k | €2k | ▲ 54.8% |
| Profit (loss) for the period before taxes9903 | €55k | €44k | €17k | ▼ 61.4% |
| Income taxes67/77 | €15k | €10k | €5k | ▼ 51.2% |
| Profit (loss) for the period9904 | €41k | €35k | €12k | ▼ 64.3% |
| Profit (loss) for the period to be appropriated9905 | €41k | €35k | €12k | ▼ 64.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €68k | €133k | €141k | ▲ 5.4% |
| Fixed assets21/28 | €4k | €27k | €46k | ▲ 66.9% |
| Intangible fixed assets21 | €0 | €0 | - | - |
| Tangible fixed assets22/27 | €4k | €27k | €46k | ▲ 66.9% |
| Plant, machinery and equipment23 | €205 | €7k | €6k | ▼ 6.2% |
| Furniture and vehicles24 | €4k | €21k | €21k | ▲ 3.3% |
| Other tangible fixed assets26 | - | - | €18k | - |
| Current assets29/58 | €63k | €106k | €95k | ▼ 10.5% |
| Amounts receivable after more than one year29 | €30k | €20k | €20k | = |
| Trade receivables290 | €30k | €20k | - | - |
| Other amounts receivable291 | - | - | €20k | - |
| Stocks and contracts in progress3 | €6k | €6k | €8k | ▲ 34.5% |
| Stocks30/36 | €6k | €6k | €8k | ▲ 34.5% |
| Amounts receivable within one year40/41 | €13k | €40k | €25k | ▼ 36.2% |
| Trade receivables40 | €13k | €38k | €19k | ▼ 48.3% |
| Other amounts receivable41 | €276 | €2k | €6k | ▲ 158% |
| Current investments50/53 | - | - | €800 | - |
| Cash at bank and in hand54/58 | €13k | €39k | €40k | ▲ 2.7% |
| Deferred charges and accrued income490/1 | €594 | €1k | €446 | ▼ 56.3% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €68k | €133k | €141k | ▲ 5.4% |
| Equity10/15 | €43k | €77k | €57k | ▼ 26.3% |
| Contributions10/11 | €3k | €3k | €3k | = |
| Reserves13 | €40k | €74k | €54k | ▼ 27.3% |
| Distributable reserves133 | €40k | €74k | €54k | ▼ 27.3% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €25k | €57k | €84k | ▲ 48.4% |
| Amounts payable after more than one year17 | - | €21k | €31k | ▲ 47.3% |
| Financial debts170/4 | - | €21k | €31k | ▲ 47.3% |
| Amounts payable within one year42/48 | €25k | €35k | €53k | ▲ 49.1% |
| Current portion of amounts payable after more than one year42 | - | €5k | €7k | ▲ 51.4% |
| Financial debts43 | €5k | €9k | €6k | ▼ 33.4% |
| Other loans439 | €5k | €9k | €6k | ▼ 33.4% |
| Trade debts44 | €6k | €10k | €6k | ▼ 43.0% |
| Suppliers440/4 | €6k | €10k | €6k | ▼ 43.0% |
| Taxes, remuneration and social security45 | €8k | €8k | €934 | ▼ 88.8% |
| Taxes450/3 | €8k | €8k | €934 | ▼ 88.8% |
| Other amounts payable47/48 | €5k | €3k | €33k | ▲ 1,010% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €41k | €35k | €12k | ▼ 64.3% |
| + Depreciation and write-downs630 | €1k | €2k | €6k | ▲ 256% |
| Operating cash flow (approximation) | €42k | €36k | €19k | ▼ 48.3% |
| Investment in fixed assets (approximation) | - | €-25k | €-25k | ▼ 0.3% |
| Change in cash | - | €26k | €1k | ▼ 96.0% |
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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €12k ▼64.3%
Net result drops to €12k, the lowest in the series.
2024
30-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Kortrijk · 1 establishment unit since 2022
Ground area
447 m²
Building footprint
152 m²
Volume, LiDAR
1,046 m³
Parcel 34026A0367/00X005, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bert V.
since 20222.338.654.558
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026A0367/00X005 | Flanders | 447 m² | 1 · 152 m² | 12.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 6,653 companies in sector 90111 we hold annual accounts for 385. 307 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
Founded25-11-2022
Fiscal year end30-06
Activities, NACEBEL 2025
90111Literary creation
43341Painting of buildings
74120Graphic design and visual communication
74130Interior design
74140Other specialised design activities
Scores and ratios are computed by Checked and are not a credit decision.