Bertem Blok
ActiveFinancials · financial year 2025, micro format
2025 annual accounts filed 3 days after the deadline Filed on 3 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00373088.
Annual accounts 2025 filed on 03-08-2026 at the NBB
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Investments
| Item | 2025 |
|---|---|
| Tangible fixed assets | €4,628 |
| Intangible fixed assets | €100,000 |
| Financial fixed assets | €7,500 |
| Depreciation and write-downs of the year | €17,002 |
Source: notes to the 2025 annual accounts (statement of fixed assets)
Comparable companies
These companies have the same main activity as Bertem Blok: cafés and bars (NACE 56301). They are comparable in size and age: total assets between €93,300 and €167,000, founded between 2024 and 2025.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| Bertem Blok Bertem | 2025 | €117,120 | €5,228 | €23,456 | €3,228 | 2025 |
| Steki Leuven | 2024 | €166,632 | €16,735 | €20,371 | -€13,265 | 2025 |
| Tweestrijd Mol | 2025 | €93,914 | €13,672 | €20,562 | €10,672 | 2025 |
| Coolotgo Dessel | 2024 | €93,337 | €16,213 | €28,231 | €14,213 | 2025 |
| Wild Hospitality Merelbeke-Melle | 2025 | €120,155 | €20,211 | €35,643 | €15,211 | 2025 |
| AVENUE 21 Brussel | 2024 | €126,724 | -€3,235 | €21,946 | -€9,235 | 2025 |
| Cafe Fringale Zoersel | 2024 | €130,419 | €20,137 | €31,807 | €8,938 | 2025 |
They were chosen from the 5,015 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 514 companies had the same profile as Bertem Blok has now. Two years later, 1.8% had gone bankrupt and 96.9% were still going.
- Micro
- under 2 years old
- solvency under 10%
- a profit under 5% of the balance sheet
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Bertem Blok itself is higher: 4.9% within 12 months. It rests on far more data about Bertem Blok than the profile alone.
Test of the method
The method was tested on the 497,446 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 514 companies, not a prediction for Bertem Blok. 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.
| Line | 2025 |
|---|---|
| Remuneration, social security and pensions62 | €2,105 |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,002 |
| Other operating charges640/8 | €150 |
| Gross operating margin9900 | €23,456 |
| Operating profit (loss)9901 | €4,198 |
| Financial charges65/66B | €163 |
| Recurring financial charges65 | €163 |
| Profit (loss) for the period before taxes9903 | €4,035 |
| Income taxes67/77 | €807 |
| Profit (loss) for the period9904 | €3,228 |
| Profit (loss) for the period to be appropriated9905 | €3,228 |
| Line | 2025 | |
|---|---|---|
| Assets | ||
| Total assets20/58 | €117,120 | |
| Fixed assets21/28 | €95,126 | |
| Intangible fixed assets21 | €83,333 | |
| Tangible fixed assets22/27 | €4,293 | |
| Plant, machinery and equipment23 | €4,293 | |
| Financial fixed assets28 | €7,500 | |
| Current assets29/58 | €21,994 | |
| Stocks and contracts in progress3 | €8,915 | |
| Stocks30/36 | €8,915 | |
| Amounts receivable within one year40/41 | €7,454 | |
| Trade receivables40 | €4,872 | |
| Other amounts receivable41 | €2,582 | |
| Cash at bank and in hand54/58 | €5,626 | |
| Equity and liabilities | ||
| Total equity and liabilities10/49 | €117,120 | |
| Equity10/15 | €5,228 | |
| Contributions10/11 | €2,000 | |
| Profit (loss) carried forward14 | €3,228 | |
| Amounts payable17/49 | €111,892 | |
| Amounts payable after more than one year17 | €7,317 | |
| Financial debts170/4 | €7,317 | |
| Amounts payable within one year42/48 | €104,575 | |
| Current portion of amounts payable after more than one year42 | €1,906 | |
| Trade debts44 | €7,433 | |
| Suppliers440/4 | €7,433 | |
| Taxes, remuneration and social security45 | €5,113 | |
| Taxes450/3 | €2,575 | |
| Remuneration and social security454/9 | €2,538 | |
| Other amounts payable47/48 | €90,124 | |
| Line | 2025 |
|---|---|
| Profit (loss) for the period9904 | €3,228 |
| + Depreciation and write-downs630 | €17,002 |
| Operating cash flow (approximation) | €20,230 |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Filings with the National Bank (1)
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 03-08-2026 | 2026-00373088 | NBB |