Turnover
≈ €91,000 estimated
The abbreviated format states no turnover.
BERTELCO
Overview
Lifetime
2 annual accounts with figures on one time axispeak €23,029 (2025)
€23,029▲ 9.9%
peak €17,195 (2025)
€17,195▲ 4.7%
peak €37,611 (2025)
€37,611▲ 84.2%
€18,228▲ 15.7%
Board1 name since 2024
1 directorBERNABEU RODRIGUEZ Juan Manuel
Documentsfilings and deeds
30-06-202631 days before the deadline
2025abbreviated format
Equity from €20,416 to €37,611Debts from €15,756 to €18,228Cash from €24,956 to €43,292
Key points
from the 2025 annual accountsInvestments
€2,747 3.2 × depreciation
Green is investment, beige is depreciation.
Position in the sector
€37,611
Less equity than 81% of companies in head offices and management consultancy. Sector median €323,509 · 10,868 companies.
Checked score
97
Excellent
Financially stronger than 78% of micro companies in head offices and management consultancy (NACE 70)
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 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
10-2025: < 0.1%
11-2025: < 0.1%● unchanged 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 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026highest value
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026lowest value
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 2024
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 2.96, cash €43,292
Equity €37,611 (67.4% of total assets)
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 70, micro). It does better than 63% of them on solvency, 78% on liquidity, 84% on profitability and 87% 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 31-12-2025.
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 BERTELCO 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 BERTELCO itself is lower: < 0.1% within 12 months. It rests on far more data about BERTELCO 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 BERTELCO. 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 €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.96 (2.3 in 2024), above the usual 1.5. Short-term debt is 32.6% and cash 77.5% of total assets. 32.6% 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 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
31 days early
2024
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 33 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1013398293
First establishment
Guillaume Lefeverlaan 28, Auderghem
Incorporation
Founding capital of €4,000, 100 shares · Founder: BERNABEU RODRIGUEZ Juan Manuel · Appointment: BERNABEU RODRIGUEZ Juan Manuel (director) · published on 12-09-2024 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BERTELCO Auderghem | €55,840 | €23,029 | 67.4% | - |
| NB Conseil Auderghem | €53,684 | €19,983 | 28.7% | - |
| WF ECONSULT Brussels | €59,339 | €21,238 | 65.8% | - |
| NOMAD SOCIETY Brussels | €65,492 | €20,929 | 27.5% | - |
| LLC Forest | €60,248 | €19,171 | 52.3% | - |
| NOYA CONSULTING Uccle | €45,355 | €24,126 | 66.4% | - |
| THE S-COMPANY Uccle | €54,323 | €19,646 | 52.8% | - |
These companies have the same main activity as BERTELCO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €45,400 and €65,500, founded in 2024.
Official details
Source: KBO- Status
- Active since 10-09-2024Normal situation
- Activity
- Business and other management consultancyNACE 70200
- Establishment unit
- 2.364.470.7131160 Auderghem, since 01-10-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 15-11-2025
Annual accounts 2025
- €23,029▲ 9.9%
- €17,195▲ 4.7%
- €37,611▲ 84.2%
- €55,840▲ 54.4%
- Filing
- Filed on 30-06-2026, 31 days before the end of the filing period
Insights on BERTELCO
BERTELCO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €37,611 and a net result of €17,195.
Its solvency ranks better than 64% of 10,858 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
abbreviated format, filed on 30-06-2026, 31 days before the deadline€23,029
▲ 9.9%
€21,781
▲ 5.2%
€17,195
▲ 4.7%
€35,729
▲ 75.0%
67.4%
▲ 10.9 percentage points
2.96
▲ 0.66
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €91,000. Estimated: probably between €40,000 and €230,000.
Balance sheet
balance sheet total €55,840 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
67.4%
Higher than 64% of 10,858 companies in 2025.
2.96
Higher than 68% of 10,480 companies in 2025.
30.8%
Higher than 89% of 10,727 companies in 2025.
BERTELCO
Middle half of the sector
80% of the sector
Abbreviated accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
55,840 | 36,172 | |
21/28 |
1,882 | - | |
22/27 |
1,882 | - | |
23 |
1,882 | - | |
29/58 |
53,958 | 36,172 | |
40/41 |
10,665 | 11,216 | |
40 |
10,665 | 11,216 | |
54/58 |
43,292 | 24,956 | |
| Balance sheet: equity and liabilities | |||
10/49 |
55,840 | 36,172 | |
10/15 |
37,611 | 20,416 | |
10/11 |
4,000 | 4,000 | |
11 |
4,000 | 4,000 | |
1109/19 |
4,000 | 4,000 | |
13 |
33,611 | 16,416 | |
133 |
33,611 | 16,416 | |
17/49 |
18,228 | 15,756 | |
42/48 |
18,228 | 15,756 | |
44 |
1,133 | 1,902 | |
440/4 |
1,133 | 1,902 | |
45 |
10,997 | 13,045 | |
450/3 |
10,997 | 13,045 | |
47/48 |
6,099 | 809 | |
| Income statement | |||
9900 |
23,029 | 20,947 | |
630 |
865 | - | |
640/8 |
383 | 250 | |
9901 |
21,781 | 20,697 | |
75/76B |
3 | - | |
75 |
3 | - | |
65/66B |
25 | - | |
65 |
25 | - | |
9903 |
21,759 | 20,697 | |
67/77 |
4,564 | 4,280 | |
9904 |
17,195 | 16,416 | |
9905 |
17,195 | 16,416 | |
| Appropriation of the result | |||
9906 |
17,195 | 16,416 | |
691/2 |
17,195 | 16,416 | |
6921 |
17,195 | 16,416 | |
| Document | |||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 30-06-2026.
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 |
|---|---|---|---|
| 22,646 | - | ||
| 18,060 | - | ||
| 2,747 | - | ||
| 18,336 | - | ||
| 35,729 | 20,416 | ||
| 67.4% | 56.4% | ||
| 2.96 | 2.30 | ||
| 0.48 | 0.77 | ||
| 45.7% | 80.4% | ||
| 30.8% | 45.4% | ||
| 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 | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €2,747 | - |
| €865 | - |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on BERTELCO
The operating result for 2025 is 5% higher than in 2024.
Debt's share of the balance-sheet total falls from 43.6% to 32.6%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 10-09-2024
term without a fixed end
listed in the 2025 annual accounts, filed on 30-06-2026
- Signing authorityThe articles say who may bind the company, for example by signing a contract.
- Each director alonedeed of 12-09-2024
Mandates through the years
1 name, the dashed line is todayBERNABEU RODRIGUEZ Juan Manuel
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BERNABEU RODRIGUEZ Juan Manuel
- Director (not named in the articles), from 10-09-2024 to date
Control
Capital
- Contribution
- €4,000
- Shares
- 100
- Contribution per share
- €40
- Equity per share
- €376 in 2025
- Source
- deed of 12-09-2024
Articles of association
deed of 12-09-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Daily managementDay-to-day management handles the everyday running of the business without the full board.
- The board decides whether the delegates act alone or jointly
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 26 June at 16:00
Shareholders
At incorporation
deed of 12-09-2024 ↗
- BERNABEU RODRIGUEZ Juan Manuel 100 shares (100%) · €4,000 in cash
Network & group
No group
BERTELCO has no parent and no holdings in its annual accounts. BERNABEU RODRIGUEZ Juan Manuel is the only director. BERTELCO shares no director with another company.
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBabbreviated format · 31 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1013398293
Annual accounts 2024 filed NBBabbreviated format · 35 days before the deadline
2024
First establishment Guillaume Lefeverlaan 28, Auderghem
IncorporationFounding capital of €4,000, 100 shares · Founder: BERNABEU RODRIGUEZ Juan Manuel · Appointment: BERNABEU RODRIGUEZ Juan Manuel (director) · published on 12-09-20246 points ▸
- Founder, BERNABEU RODRIGUEZ Juan Manuel
- Founding capital, €4,000, 100 shares
- BERNABEU RODRIGUEZ Juan Manuel holds all the shares
- Registered office clause, (1160) Auderghem, avenue Guillaume Lefever 28
- Board rule, 1
- Director appointment, BERNABEU RODRIGUEZ Juan Manuel (director (not named in the articles))
- The deed holds 3 more points.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
BERTELCO was incorporated on 10 September 2024 as a private limited company by one natural person, with a starting capital of €4,000.12 Since 2024, BERNABEU RODRIGUEZ Juan Manuel has served as director.3 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1013.398.293
- VAT number
- BE 1013.398.293
- Peppol ID
- 0208:1013398293
- Other Peppol ID
- 9925:BE1013398293
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 10-09-2024
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- 26 June at 16:00deed of 12-09-2024 (in French)
- Peppol
- Reachable since 15-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- BERTELCO in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 12-09-2024 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Région de Bruxelles-Capitale”deed of 12-09-2024 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Des prestations de services; Du management; La négociation immobilière en nom propre ou pour compte de tiers ou autres sociétés…”deed of 12-09-2024 (in French)
10 activities
- Des prestations de services
- Du management
- La négociation immobilière en nom propre ou pour compte de tiers ou autres sociétés distributrices, vente, achat, concession.
- Cours et formations dans le secteur des langues et de l'assistance scolaire.
- Consultance, formations dans le secteur technologique.
- Intermédiaire import-export.
- La gestion immobilière, l'acquisition, la vente, la construction, l'aménagement, la rénovation, la mise en location, la gestion de syndic et, de façon plus générale, l'exploitation de biens immobiliers bâtis ou non bâtis, meublés ou non. La construction, la gestion, l'exploitation, la mise en valeur d'un patrimoine mobilier et immobilier, et pour ce faire l'aliénation, l'acquisition, la location de tout bien ou droit réel immobilier et, en général, de toutes les opérations relatives à la gestion des valeurs immobilières et mobilières constituées ou les biens immobiliers et mobiliers qui peuvent être obtenus en pleine propriété en emphytéose, en usufruit temporaire, en nue-propriété et de toutes les possibilités de droits attachées, constituer hypothèque, donner toutes autres garanties mobilières et immobilières, stipuler la solidarité et l'indivisibilité
- Elle peut accomplir toutes opérations généralement quelconques, financières, mobilières et immobilières se rapportant directement ou indirectement à toutes activités ayant trait à la gestion de son patrimoine tant mobilier qu'immobilier, notamment l'acquisition, la création ou l'exploitation de tout établissement relatif à ces objets. Elle pourra ainsi prêter, emprunter, hypothéquer, exploiter tout entrepôts ou magasins, acquérir, louer tout terrains, immeubles ou installations, transformer lesdits immeubles pour faciliter la réalisation de son objet social.
- Elle peut accomplir toute activité de gestion, de management et de conseil en matière financière ou économique et de développement d'entreprise.
- La société peut agir en tant que consultant dans tous les domaines et faire de la prospection.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Guillaume Lefeverlaan 28 registered office 1160 Auderghem | 01-10-2024 | 2.364.470.713 |
Buildings and parcels at the address
- Ground area
- 84 m²
- Buildings
- 58 m²
- Volume, LiDAR
- 498 m³
- Tallest building
- 11.6 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 21002A0113/00V010 | 84 m² | 1 · 58 m² | 11.6 m · 3 |
Contact
E-mail
info@bertelco.eu