BERT VANHOOF
ActiveSummary
BERT VANHOOF has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €127k and a net result of €7k. Equity is growing by ~8.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability56▼-1
Solvency87▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.35 against 2.39 in 2024; short-term debt: 37.9% and cash: 20.8% of total assets), and 37.9% of the assets are financed with debt.
Credit advice 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
62.1%
Return on assets
3.5%
Age of the figures
9 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
58 d early
2023
58 d early
2022
56 d early
2021
59 d early
2020
57 d early
2019
58 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€127k▲ 6.0%
2024 · €120k
2018: €70k
2019: €76k
2020: €89k
2021: €97k
2022: €105k
2023: €114k
2024: €120k
2018 → 2025
Total assets
€204k▲ 4.8%
2024 · €195k
2018: €121k
2019: €127k
2020: €142k
2021: €158k
2022: €165k
2023: €180k
2024: €195k
2018 → 2025
Net result
€7k▲ 4.9%
2024 · €7k
2018: €3k
2019: €6k
2020: €13k
2021: €8k
2022: €7k
2023: €9k
2024: €7k
2018 → 2025
Working capital
€104k▼ 0.3%
2024 · €104k
2018: €64k
2019: €71k
2020: €85k
2021: €95k
2022: €97k
2023: €98k
2024: €104k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€105k▲ 7.6%€114k▲ 8.6%€120k▲ 5.3%€127k▲ 6.0%
Operating result€10k-€13k▲ 27.0%€14k▲ 5.5%€12k▼ 15.5%€13k▲ 14.6%
Net result€8k-€7k▼ 12.2%€9k▲ 21.5%€7k▼ 24.0%€7k▲ 4.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €204k
Fixed assets
€23k ▲ 49.2%
Current assets
€181k ▲ 1.0%
Equity and liabilities €204k
Equity
€127k ▲ 6.0%
Debt
€77k ▲ 2.9%
Debt's share of the balance-sheet total falls from 38.5% to 37.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€16k▲
2024 · €14k
Cash flow
€10k▲
2024 · €9k
Current ratio
2.35▼
2024 · 2.39
Quick ratio
0.82▼
2024 · 0.86
Debt to equity
0.61▼
2024 · 0.63
ROE
5.7%▼
2024 · 5.7%
ROA
3.5%▲
2024 · 3.5%
Interest coverage
3.94▼
2024 · 4.09
Debt ≤ 1 year
€77k▲
2024 · €75k
Income taxes
€3k▲
2024 · €2k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€195k€204k▲
Fixed assets21/28€15k€23k▲
Tangible fixed assets22/27€15k€23k▲
Land and buildings22€12k€16k▲
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24-€3k
Current assets29/58€179k€181k▲
Stocks and contracts in progress3€115k€118k▲
Stocks30/36€115k€118k▲
Amounts receivable within one year40/41€17k€21k▲
Trade receivables40€9k€10k▲
Other amounts receivable41€8k€11k▲
Cash at bank and in hand54/58€47k€42k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€195k€204k▲
Equity10/15€120k€127k▲
Contributions10/11€22k€22k=
Outside capital11€22k€22k=
Share premium1100/10€20k€20k=
Other1109/19€2k€2k=
Reserves13€98k€105k▲
Distributable reserves133€98k€105k▲
Amounts payable17/49€75k€77k▲
Amounts payable within one year42/48€75k€77k▲
Trade debts44€11k€11k▼
Suppliers440/4€11k€11k▼
Taxes, remuneration and social security45€5k€5k▲
Taxes450/3€5k€5k▲
Other amounts payable47/48€59k€61k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€16k€19k▲
Operating profit (loss)9901€12k€13k▲
Financial income75/76B€737€1k▲
Recurring financial income75€737€1k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€9k€10k▲
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€7k€7k▲
Profit (loss) for the period to be appropriated9905€7k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€7k▲
Transfer to equity691/2€6k€7k▲
To other reserves6921€6k€7k▲
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (6 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €105k ▲7.6%
5 profitable years in a row build equity to €105k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €13k ▲107%
Operating result €21k, net result €13k, both a record.
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
02-06
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, Mol · 1 establishment unit since 1994
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.
Heistraat 105A2400 MolGround area
5,048 m²
Building footprint
474 m²
Volume, LiDAR
2,466 m³
2 parcels, Flanders · tallest building 11.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Heistraat 105, 2400 Mol
since 19942.068.797.489
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13025G0975/00D038 | Flanders | 3,136 m² | 1 · 267 m² | 11.4 m · 2 fl. |
| 13025G0975/00W019 | Flanders | 1,913 m² | 1 · 207 m² | 7.4 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
Toitures Damoisiaux SRL
BE 0745.543.879
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MIKO ROOF
BE 0798.597.634
Oudenaarde · Eq €127,061
BETTA TOITURE
BE 1020.287.867
La Louvière · Eq €126,582
Bouw & Management Beine
BE 0453.554.380
Landen · Eq €127,149
VH roof
BE 0895.682.657
Ronse · Eq €127,157
Of 8,561 companies in sector 43410 we hold annual accounts for 4,357. 3,793 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-09-1994
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
43410Roofing work
16230Manufacture of other builders' carpentry and joinery
43343Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.