BERTELS DIETER
ActiveThe computed 12-month bankruptcy probability of BERTELS DIETER is 2.3% (moderate). The 2024 annual accounts show equity of €131k and a net result of €54k. Equity is growing by ~90.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 36373 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+5
Growth78=
Track record94
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 10.09 against 4.35 in 2023; short-term debt: 8.8% and cash: 75.7% of total assets), and 13% 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.
+raises risk○neutral
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
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 →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
21 d early
2022
3 d early
2021
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€131k▲ 62.3%
2023 · €81k
2021: €18k
2022: €43k
2023: €81k
2021 → 2024
Total assets
€151k▲ 31.5%
2023 · €115k
2021: €57k
2022: €68k
2023: €115k
2021 → 2024
Net result
€54k▲ 34.0%
2023 · €40k
2021: €14k
2022: €26k
2023: €40k
2021 → 2024
Working capital
€121k▲ 63.3%
2023 · €74k
2021: €8k
2022: €30k
2023: €74k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€18k-€43k▲ 143%€81k▲ 86.8%€131k▲ 62.3%
Operating result€15k-€34k▲ 123%€54k▲ 56.4%€72k▲ 32.9%
Net result€14k-€26k▲ 84.6%€40k▲ 56.9%€54k▲ 34.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 33% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €151k
Fixed assets
€16k▼ 10.9%
Current assets
€135k▲ 39.5%
Equity and liabilities €151k
Equity
€131k▲ 62.3%
Debt
€20k▼ 42.0%
The debt ratio falls from 29.5% to 13.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€85k▲
2023 · €67k
Cash flow
€67k▲
2023 · €54k
Solvency
87.0%▲
2023 · 70.5%
Current ratio
10.09▲
2023 · 4.35
Quick ratio
10.09▲
2023 · 4.35
Debt / equity
0.15▼
2023 · 0.42
ROE
40.8%▼
2023 · 49.4%
ROA
35.5%▲
2023 · 34.9%
Interest coverage
302.83▲
2023 · 185.03
Debt
€20k▼
2023 · €34k
Debt ≤ 1 year
€13k▼
2023 · €22k
Debt > 1 year
€6k▼
2023 · €12k
Income taxes
€18k▲
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€115k€151k▲
Fixed assets21/28€18k€16k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€17k€15k▼
Land and buildings22€2k€2k▼
Plant, machinery and equipment23€1k€6k▲
Furniture and vehicles24€3k€4k▲
Leasing and similar rights25€10k-
Other tangible fixed assets26-€3k
Current assets29/58€97k€135k▲
Amounts receivable within one year40/41€13k€20k▲
Trade receivables40€157€11k▲
Other amounts receivable41€13k€9k▼
Cash at bank and in hand54/58€84k€114k▲
Deferred charges and accrued income490/1€15€32▲
Equity and liabilities
Total equity and liabilities10/49€115k€151k▲
Equity10/15€81k€131k▲
Contributions10/11€4k€4k=
Reserves13€77k€127k▲
Distributable reserves133€77k€127k▲
Amounts payable17/49€34k€20k▼
Amounts payable after more than one year17€12k€6k▼
Financial debts170/4€12k€6k▼
Amounts payable within one year42/48€22k€13k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Trade debts44€13k€619▼
Suppliers440/4€13k€619▼
Taxes, remuneration and social security45€159€4k▲
Taxes450/3€159€4k▲
Other amounts payable47/48€3k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€443€847▲
Gross operating margin9900€68k€86k▲
Operating profit (loss)9901€54k€72k▲
Financial income75/76B€1€207▲
Recurring financial income75€1€207▲
Financial charges65/66B€364€281▼
Recurring financial charges65€364€281▼
Profit (loss) for the period before taxes9903€54k€72k▲
Income taxes67/77€14k€18k▲
Profit (loss) for the period9904€40k€54k▲
Profit (loss) for the period to be appropriated9905€40k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€54k▲
Transfer to equity691/2€38k€50k▲
To other reserves6921€38k€50k▲
Profit to be distributed694/7€2k€3k▲
Return on contributions (dividend)694€2k€3k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €54k ▲34%
Operating result €72k, net result €54k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 10.09
Current ratio from 4.35 to 10.09; short-term debt falls from €22k to €13k.
31-12
Financial
Equity above €100kEq €131k ▲62.3%
4 profitable years in a row build equity to €131k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 4.86
Current ratio from 1.48 to 4.86; short-term debt falls from €17k to €8k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, Tessenderlo-Ham · 1 establishment unit since 2021
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.
Industrieweg (H) 263980 Tessenderlo-HamGround area
656 m²
Building footprint
116 m²
Volume, LiDAR
725 m³
Parcel 71363C1144/00L000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERTELS DIETER
since 20212.322.079.634
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71363C1144/00L000 | Flanders | 656 m² | 1 · 115 m² | 8.2 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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BE 0437.773.668
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GUNTER DELVAUX
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GT Technics
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 4,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2021
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.