Bert Vandebergh
ActiveBert Vandebergh has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €76k and a net result of €57k. Equity is growing by ~56.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency47▼-53
Growth78=
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 4.9 in 2024; short-term debt: 32.4% and cash: 15.9% of total assets), but 78.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
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 · 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
21.8%
Return on assets
16.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 12665 sector peers (2025).
NBB · sector comparisonPosition among 12665 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-04-2026, 115 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
115 d early
2024
11 d late
2023
20 d late
2022
21 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 2.5%
2024 · €74k
2022: €20k
2023: €32k
2024: €74k
2022 → 2025
Total assets
€349k▲ 275%
2024 · €93k
2022: €37k
2023: €48k
2024: €93k
2022 → 2025
Net result
€57k▲ 34.3%
2024 · €42k
2022: €15k
2023: €12k
2024: €42k
2022 → 2025
Working capital
€232k▲ 217%
2024 · €73k
2022: €22k
2023: €30k
2024: €73k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€20k-€32k▲ 57.1%€74k▲ 132%€76k▲ 2.5%
Operating result€23k-€21k▼ 8.5%€68k▲ 223%€81k▲ 19.4%
Net result€15k-€12k▼ 24.4%€42k▲ 263%€57k▲ 34.3%
Turnover and EBIT margin not published: the micro 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 19% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €349k
Fixed assets
€5k▲ 270%
Current assets
€345k▲ 275%
Equity and liabilities €349k
Equity
€76k▲ 2.5%
Debt
€273k▲ 1,356%
The debt ratio rises from 20.1% to 78.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82k▲
2024 · €68k
Cash flow
€57k▲
2024 · €43k
Solvency
21.8%▼
2024 · 79.9%
Current ratio
3.05▼
2024 · 4.90
Quick ratio
3.05▼
2024 · 4.90
Debt / equity
3.58▲
2024 · 0.25
ROE
74.5%▲
2024 · 56.9%
ROA
16.3%▼
2024 · 45.4%
Interest coverage
42.59▼
2024 · 928.59
Debt
€273k▲
2024 · €19k
Debt ≤ 1 year
€113k▲
2024 · €19k
Debt > 1 year
€160k
Income taxes
€22k▼
2024 · €26k
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€93k€349k▲
Fixed assets21/28€1k€5k▲
Tangible fixed assets22/27€1k€4k▲
Plant, machinery and equipment23€1k€4k▲
Financial fixed assets28-€1k
Current assets29/58€92k€345k▲
Amounts receivable after more than one year29-€250k
Other amounts receivable291-€250k
Amounts receivable within one year40/41€11k€174▼
Trade receivables40-€174
Other amounts receivable41€11k-
Current investments50/53€20k€39k▲
Cash at bank and in hand54/58€53k€55k▲
Deferred charges and accrued income490/1€8k€90▼
Equity and liabilities
Total equity and liabilities10/49€93k€349k▲
Equity10/15€74k€76k▲
Contributions10/11€5k€5k=
Reserves13€64k€64k=
Non-distributable reserves130/1€64k-
Other1319€64k-
Distributable reserves133-€64k
Profit (loss) carried forward14€5k€7k▲
Amounts payable17/49€19k€273k▲
Amounts payable after more than one year17-€160k
Financial debts170/4-€160k
Amounts payable within one year42/48€19k€113k▲
Current portion of amounts payable after more than one year42-€40k
Trade debts44€6k€2k▼
Suppliers440/4€6k€2k▼
Taxes, remuneration and social security45€10k€20k▲
Taxes450/3€10k€20k▲
Other amounts payable47/48€3k€51k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380€589▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€69k€83k▲
Operating profit (loss)9901€68k€81k▲
Financial income75/76B€172€6▼
Recurring financial income75€172€6▼
Financial charges65/66B€74€2k▲
Recurring financial charges65€74€2k▲
Profit (loss) for the period before taxes9903€68k€79k▲
Income taxes67/77€26k€22k▼
Profit (loss) for the period9904€42k€57k▲
Profit (loss) for the period to be appropriated9905€42k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€47k€62k▲
Profit (loss) brought forward from the previous period14P€5k€5k▲
Transfer to equity691/2€42k-
To other reserves6921€42k-
Profit to be distributed694/7-€55k
Return on contributions (dividend)694-€55k
The notes to these accounts (8 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €57k ▲34.3%
Operating result €81k, net result €57k, both a record.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 11 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Weakest financial yearnet €12k ▼24.4%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
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, Heusden-Zolder · 1 establishment unit since 2022
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.
Dijkstraat 123550 Heusden-ZolderGround area
1,668 m²
Building footprint
140 m²
Volume, LiDAR
815 m³
Parcel 71025A2002/00R000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dijkstraat 12, 3550 Heusden-Zolder
since 20222.330.153.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71025A2002/00R000 | Flanders | 1,668 m² | 1 · 140 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.
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Of 1,020 companies in sector 69103 we hold annual accounts for 611. 425 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2022
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.