Equity
€56,610 ▼ 26.3%
Bert V. paid out €32,500 in dividends. That is 263% of the 2025 profit.
Bert V.
Overview
Lifetime
3 annual accounts with figures on one time axispeak €58,065 (2023)
€26,255▼ 45.2%
peak €40,775 (2023)
€12,346▼ 64.3%
peak €76,763 (2024)
€56,610▼ 26.3%
€83,982▲ 48.4%
Board1 name since 2022
1 directorVanwynsberghe Bert
Documentsfilings and deeds
05-01-202626 days before the deadline
2025micro format
Gross margin from €47,939 to €26,255Result from €34,589 to €12,346Dividend €32,500Equity from €76,763 to €56,610Debts from €56,581 to €83,982Investments €24,851
Key points
from the 2025 annual accountsTurnover
≈ €75,000 estimated
The micro format states no turnover.
Investments
€24,851 3.8 × depreciation
Green is investment, beige is depreciation.
Checked score
93
Excellent
Financially stronger than 46% of micro companies in creative and performing arts (NACE 90)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 3,433 companies (NACE 90, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: < 0.1%▼ -0.1 percentage points vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025lowest value
08-2025: < 0.1%● unchanged vs 07-2025lowest value
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: 0.1%▲ +0.1 percentage points vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026highest value
04-2026: 0.1%● unchanged vs 03-2026highest value
05-2026: 0.1%● unchanged vs 04-2026highest value
06-2026: 0.1%● unchanged vs 05-2026highest value
07-2026: 0.1%● unchanged vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Founded in 2022
Profit of €12,346 (financial year 2025)
lowers risk
Sector: Arts creation and performing arts activities (NACE 90)
Liquidity: current ratio 1.80, cash €40,086
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 90, micro). It does better than 44% of them on solvency, 58% on liquidity, 62% on profitability and 21% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-06-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as Bert V. has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Bert V. itself is lower: 0.1% within 12 months. It rests on far more data about Bert V. than the profile alone.
Test of the method
The method was tested on the 497,447 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 39,278 companies, not a prediction for Bert V.. 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
Credit of up to €5,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.8 (3.0 in 2024), above the usual 1.5. Short-term debt is 37.4% and cash 28.5% of total assets. However, 59.7% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 days early
2024
32 days early
2023
23 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 3 accounts on average 27 days before the deadline. In the sector (NACE 90), the median for financial year 2024 was 3 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 5 January (3 of the last 3 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-06-2026 year end09-11-2026 today31-01-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0793970041
Incorporation
published on 29-11-2022 · Gazette deed
First establishment
Markebekestraat 64, Kortrijk
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Bert V. Kortrijk | €140,591 | €26,255 | 40.3% | - |
| B.A.R.N. Beersel | €126,336 | €20,704 | 60.0% | - |
| RS PAINTING Sambreville | €132,562 | €25,537 | 50.4% | - |
| PRODUCTION SOLUTIONS Jette | €125,137 | €28,810 | 2.8% | - |
| FOVEA PRODUCTIONS Schaerbeek | €100,976 | €34,243 | 81.8% | - |
| STUDIO M Brussels | €103,379 | €37,837 | 97.1% | - |
| Jokaje Aalst | €136,538 | €41,552 | 58.1% | - |
These companies have the same main activity as Bert V.: literary creation (NACE 90111). They are comparable in size and age: total assets between €101,000 and €137,000, founded between 2021 and 2023.
Official details
Source: KBO- Status
- Active since 25-11-2022Normal situation
- Activity
- Literary creationNACE 90111and 4 others
- Establishment unit
- 2.338.654.5588510 Kortrijk, since 25-11-2022
- Financial year end
- 30 June
- Peppol
- Reachable since 10-10-2025
Annual accounts to 30-06-2025
- €26,255▼ 45.2%
- €12,346▼ 64.3%
- €56,610▼ 26.3%
- €140,591▲ 5.4%
- Filing
- Filed on 05-01-2026, 26 days before the end of the filing period
Insights on Bert V.
Bert V. files the micro format. That format states no turnover. The gross margin fell from €58,065 in 2023 to €26,255 in 2025.
The balance sheet grew most from 2024 to 2025 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 05-01-2026, 26 days before the deadline€26,255
▼ 45.2%
€18,670
▼ 58.5%
€12,346
▼ 64.3%
€42,181
▼ 40.3%
40.3%
▼ 17.3 percentage points
1.80
▼ 1.20
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €75,000. Estimated: probably between €43,000 and €120,000.
Balance sheet
balance sheet total €140,591 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
40.3%
Higher than 43% of 2,486 companies in 2025.
1.80
Higher than 48% of 2,349 companies in 2025.
8.8%
Higher than 57% of 2,394 companies in 2025.
Bert V.
Middle half of the sector
80% of the sector
Micro accounts in creative and performing arts (NACE 90)
Net result: middle half · Equity: middle half · Balance sheet total: middle half · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Balance sheet: assets | ||||
20/58 |
140,591 | 133,344 | 67,556 | |
21/28 |
45,826 | 27,449 | 4,492 | |
21 |
- | 0 | 0 | |
22/27 |
45,826 | 27,449 | 4,492 | |
23 |
6,431 | 6,854 | 205 | |
24 |
21,276 | 20,595 | 4,287 | |
26 |
18,119 | - | - | |
29/58 |
94,766 | 105,895 | 63,064 | |
29 |
20,000 | 20,000 | 30,000 | |
290 |
- | 20,000 | 30,000 | |
291 |
20,000 | - | - | |
3 |
7,991 | 5,943 | 5,872 | |
30/36 |
7,991 | 5,943 | 5,872 | |
40/41 |
25,442 | 39,883 | 13,424 | |
40 |
19,425 | 37,549 | 13,148 | |
41 |
6,017 | 2,335 | 276 | |
50/53 |
800 | - | - | |
54/58 |
40,086 | 39,048 | 13,174 | |
490/1 |
446 | 1,021 | 594 | |
| Balance sheet: equity and liabilities | ||||
10/49 |
140,591 | 133,344 | 67,556 | |
10/15 |
56,610 | 76,763 | 42,975 | |
10/11 |
3,000 | 3,000 | 3,000 | |
13 |
53,610 | 73,763 | 39,975 | |
133 |
53,610 | 73,763 | 39,975 | |
14 |
0 | 0 | 0 | |
17/49 |
83,982 | 56,581 | 24,581 | |
17 |
31,397 | 21,321 | - | |
170/4 |
31,397 | 21,321 | - | |
42/48 |
52,585 | 35,260 | 24,581 | |
42 |
7,384 | 4,879 | - | |
43 |
6,027 | 9,053 | 5,052 | |
439 |
6,027 | 9,053 | 5,052 | |
44 |
5,739 | 10,066 | 6,157 | |
440/4 |
5,739 | 10,066 | 6,157 | |
45 |
934 | 8,333 | 7,982 | |
450/3 |
934 | 8,333 | 7,982 | |
47/48 |
32,500 | 2,928 | 5,391 | |
| Income statement | ||||
76A |
0 | 2,785 | - | |
9900 |
26,255 | 47,939 | 58,065 | |
630 |
6,474 | 1,821 | 1,284 | |
640/8 |
1,111 | 1,132 | 1,060 | |
9901 |
18,670 | 44,986 | 55,721 | |
75/76B |
530 | 683 | 1 | |
75 |
530 | 683 | 1 | |
65/66B |
2,109 | 1,363 | 249 | |
65 |
2,109 | 1,363 | 249 | |
9903 |
17,091 | 44,306 | 55,473 | |
67/77 |
4,745 | 9,717 | 14,699 | |
9904 |
12,346 | 34,589 | 40,775 | |
9905 |
12,346 | 34,589 | 40,775 | |
| Appropriation of the result | ||||
9906 |
12,346 | 34,589 | 40,775 | |
791/2 |
32,500 | - | - | |
691/2 |
12,346 | 33,789 | 39,975 | |
6921 |
12,346 | 33,789 | 39,975 | |
694/7 |
32,500 | 800 | 800 | |
694 |
32,500 | 800 | 800 | |
| 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 filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 05-01-2026.
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 | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| 25,145 | 46,807 | 57,004 | ||
| 18,821 | 36,410 | 42,058 | ||
| 24,851 | 27,992 | 5,776 | ||
| 1,038 | 25,875 | - | ||
| 42,181 | 70,636 | 38,482 | ||
| 40.3% | 57.6% | 63.6% | ||
| 1.80 | 3.00 | 2.57 | ||
| 1.65 | 2.83 | 2.33 | ||
| 1.48 | 0.74 | 0.57 | ||
| 21.8% | 45.1% | 94.9% | ||
| 8.8% | 25.9% | 60.4% | ||
| 11.92 | 34.34 | over 100 |
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 | 30-06-2025 | 30-06-2024 | 30-06-2023 |
|---|---|---|---|
| Tangible fixed assets | €24,851 | €27,992 | €5,775 |
| Intangible fixed assets | - | - | €1 |
| €6,474 | €1,821 | €1,284 |
Source: notes to the 2023 to 2025 annual accounts (statement of fixed assets)
Insights on Bert V.
The operating result for 2025 is 58% lower than in 2024 and the lowest since 2023. It is the second fall in a row.
Debt's share of the balance-sheet total rises from 42.4% to 59.7%. Equity is lower and debt is higher.
Board & ownership
Board
1 directorVanwynsberghe Bert
Director
since 25-11-2022
listed in the 2025 annual accounts, filed on 05-01-2026
Mandates through the years
1 name, the dashed line is todayVanwynsberghe Bert
Director
Director
Board
Mandates as a list
- Vanwynsberghe Bert
- Director, from 25-11-2022 to date
Control
Capital
- Contribution
- €3,000
- Source
- 2025 annual accounts
Network & group
No group
Bert V. has no parent and no holdings in its annual accounts. Vanwynsberghe Bert is the only director. Bert V. shares no director with another company.
Timeline
Timeline
7 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-01-2027
2026
Annual accounts 2025 filed PDFmicro format · 26 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0793970041
Weakest financial year net €12,346 ▼64.3% The net result drops to €12,346, the lowest from 2023 to 2025.
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
Company details
Identity
- Enterprise number
- 0793.970.041
- VAT number
- BE 0793.970.041
- Peppol ID
- 0208:0793970041
- Other Peppol ID
- 9925:BE0793970041
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 25-11-2022
- Financial year
- ends on 30 June
- Peppol
- Reachable since 10-10-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Bert V. in Dutch
- Entity type
- Legal entity
Activities
NACEBEL 202590111
Literary creation main activity
43341
Painting of buildings
74130
Interior design
Codes under NACEBEL 2008
90031
Arts creation and performing arts activities main activity
43341
Painting of buildings
74103
Other professional, scientific and technical activities
74104
Other professional, scientific and technical activities
74109
Other professional, scientific and technical activities
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Markebekestraat 64 registered office 8510 Kortrijk | 25-11-2022 | 2.338.654.558 |
Buildings and parcels at the address
- Ground area
- 447 m²
- Buildings
- 152 m²
- Volume, LiDAR
- 1,046 m³
- Tallest building
- 12.1 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 34026A0367/00X005 | 447 m² | 1 · 152 m² | 12.1 m · 2 |
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0793.970.041