BERT VAN INGELGHEM
ActiveBERT VAN INGELGHEM has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.93M and a net result of €1.28M. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 3292 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 25.91 against 37.53 in 2024; short-term debt: 3.7% and cash: 6.1% of total assets), and 4.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
95.1%
Return on assets
20.6%
Age of the figures
17 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 24-10-2025, 37 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
37 d early
2024
3 d early
2023
59 d early
2022
on the day
2021
1 d early
2020
38 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close23-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.37M
EBIT margin
96.3%
Net result
€1.28M▲ 26.2%
2024 · €1.02M
2019: €526k
2020: €540k
2021: €889k
2022: €1.09M
2023: €833k
2024: €1.02M
2019 → 2025
Working capital
€5.73M▲ 15.7%
2024 · €4.95M
2019: €1.66M
2020: €2.16M
2021: €2.93M
2022: €3.83M
2023: €4.30M
2024: €4.95M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.37M-
Equity€3.15M-€4.09M▲ 29.9%€4.53M▲ 10.7%€5.17M▲ 14.1%€5.93M▲ 14.6%
Operating result€1.32M-€1.52M▲ 15.5%€1.18M▼ 22.2%€1.52M▲ 28.0%€1.81M▲ 19.7%
Net result€889k-€1.09M▲ 22.2%€833k▼ 23.4%€1.02M▲ 22.0%€1.28M▲ 26.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.23M
Fixed assets
€278k▼ 8.4%
Current assets
€5.96M▲ 17.1%
Equity and liabilities €6.23M
Equity
€5.93M▲ 14.6%
Debt
€304k▲ 40.9%
The debt ratio rises from 4.0% to 4.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.85M▲
2024 · €1.55M
Cash flow
€1.32M▲
2024 · €1.05M
Solvency
95.1%▼
2024 · 96.0%
Current ratio
25.91▼
2024 · 37.53
Quick ratio
25.91▼
2024 · 37.53
Debt / equity
0.05▲
2024 · 0.04
ROE
21.6%▲
2024 · 19.7%
ROA
20.6%▲
2024 · 18.9%
Interest coverage
70.00▲
2024 · 16.78
Debt
€304k▲
2024 · €216k
Debt ≤ 1 year
€230k▲
2024 · €135k
Debt > 1 year
€73k▼
2024 · €80k
Income taxes
€592k▲
2024 · €505k
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€5.39M€6.23M▲
Fixed assets21/28€303k€278k▼
Tangible fixed assets22/27€103k€78k▼
Land and buildings22€56k€32k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€35k€37k▲
Financial fixed assets28€200k€200k=
Current assets29/58€5.08M€5.96M▲
Amounts receivable after more than one year29€763k€763k=
Other amounts receivable291€763k€763k=
Amounts receivable within one year40/41€39k€192k▲
Other amounts receivable41€39k€192k▲
Current investments50/53€2.72M€3.12M▲
Cash at bank and in hand54/58€353k€379k▲
Deferred charges and accrued income490/1€1.21M€1.50M▲
Equity and liabilities
Total equity and liabilities10/49€5.39M€6.23M▲
Equity10/15€5.17M€5.93M▲
Contributions10/11€12k€12k=
Reserves13€5.16M€5.92M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5.16M€5.91M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€216k€304k▲
Amounts payable after more than one year17€80k€73k▼
Financial debts170/4€80k€73k▼
Amounts payable within one year42/48€135k€230k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Financial debts43-€84k
Credit institutions430/8-€84k
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€124k€136k▲
Taxes450/3€124k€133k▲
Remuneration and social security454/9-€3k
Accrued charges and deferred income492/3€851€972▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€33k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€1.55M€1.85M▲
Operating profit (loss)9901€1.52M€1.81M▲
Financial income75/76B€98k€87k▼
Recurring financial income75€98k€87k▼
Financial charges65/66B€92k€26k▼
Recurring financial charges65€92k€26k▼
Profit (loss) for the period before taxes9903€1.52M€1.88M▲
Income taxes67/77€505k€592k▲
Profit (loss) for the period9904€1.02M€1.28M▲
Profit (loss) for the period to be appropriated9905€1.02M€1.28M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.02M€1.28M▲
Profit (loss) brought forward from the previous period14P€537€0▼
Transfer from equity791/2€376k€526k▲
Transfer to equity691/2€1.02M€1.28M▲
To other reserves6921€1.02M€1.28M▲
Profit to be distributed694/7€376k€526k▲
Return on contributions (dividend)694€376k€526k▲
The notes to these accounts (14 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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-04
Financial
Highest result since 2019net €1.28M ▲26.2%
Operating result €1.81M, net result €1.28M, both a record.
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-04
Financial
Liquidity triplescurrent ratio 37.53
Current ratio from 11.62 to 37.53; short-term debt falls from €405k to €135k.
30-04
Financial
Equity above €5MEq €5.17M ▲14.1%
6 profitable years in a row build equity to €5.17M.
2023
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-04
Financial
Equity above €2MEq €2.39M ▲29.2%
2 profitable years in a row build equity to €2.39M.
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
06-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
30-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 334 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Antwerpen · 1 establishment unit since 2016
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.
Borsbeeksebrug 282600 AntwerpenGround area
2.4 ha
Building footprint
2,539 m²
Volume, LiDAR
21,485 m³
Parcel 11302A0095/00E008, Flanders · tallest building 25.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Borsbeeksebrug 26, 2600 Antwerpen
since 20162.252.177.573
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0095/00E008 | Flanders | 2.4 ha | 2 · 2,539 m² | 25.0 m · 6 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 114 EUR awarded · 114 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 114 EUR | 114 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
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PHILIPPE RENS
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PIERRE LEFEVRE AVOCAT
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FRANCOIS
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Of 22,055 companies in sector 69101 we hold annual accounts for 9,053. 1,044 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-06-2007
Fiscal year end30-04
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.