BERTEMBOS
ActiveSummary
BERTEMBOS has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160,831 and a net result of €13,368. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 77% of 13560 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+4
Solvency88▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10,000 at 30 days acceptable
Liquidity ample (current ratio 1.78 against 2.01 in 2024; short-term debt: 37.4% and cash: 16.9% of total assets), and 37.4% of the assets are financed with debt.
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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 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
62.6%
Return on assets
5.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 08-01-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
1 d early
2023
1 d early
2022
on the day
2021
3 d early
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 5 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Bertem, Accommodation and food service sector#7 company by total assets in Bertem, Accommodation and food service sector
Equity
€160,831▼ 9.4%
2024 · €177,463
Total assets
€256,989▼ 5.6%
2024 · €272,321
Net result
€13,368▲ 195%
2024 · €4,535
Working capital
€74,533▼ 22.5%
2024 · €96,179
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€9,761▲ 78.6%€70,390€30,900▼ 56.1%€4,783▼ 84.5%€14,652▲ 206%
Net result-€6,497▲ 86.0%€53,452€25,499▼ 52.3%€4,535▼ 82.2%€13,368▲ 195%
Equity€223,978▼ 2.8%€277,430▲ 23.9%€242,929▼ 12.4%€177,463▼ 26.9%€160,831▼ 9.4%
Total assets€299,676▲ 3.4%€390,961▲ 30.5%€331,984▼ 15.1%€272,321▼ 18.0%€256,989▼ 5.6%
Debt€75,698▲ 27.4%€113,532▲ 50.0%€89,055▼ 21.6%€94,858▲ 6.5%€96,157▲ 1.4%
Working capital€92,642▲ 18.0%€174,858▲ 88.7%€160,347▼ 8.3%€96,179▼ 40.0%€74,533▼ 22.5%
Staff (FTE)2.1▼ 36.4%3.4▲ 61.9%3.4=4.8▲ 41.2%3.3▼ 31.3%
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 206% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256,989
Fixed assets
€86,298 ▲ 6.2%
Current assets
€170,691 ▼ 10.7%
Equity and liabilities €256,989
Equity
€160,831 ▼ 9.4%
Debt
€96,157 ▲ 1.4%
Debt's share of the balance-sheet total rises from 34.8% to 37.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€31,187▲
2024 · €28,683
Cash flow
€29,903▲
2024 · €28,435
Current ratio
1.78▼
2024 · 2.01
Quick ratio
1.67▼
2024 · 1.96
Debt to equity
0.60▲
2024 · 0.53
ROE
8.3%▲
2024 · 2.6%
ROA
5.2%▲
2024 · 1.7%
Interest coverage
258.19▲
2024 · 72.20
Debt ≤ 1 year
€96,157▲
2024 · €94,858
Income taxes
€1,954▲
2024 · €1,489
Staff costs
€210,192▲
2024 · €201,054
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €5,142 | - |
| Remuneration, social security and pensions62 | - | €135,146 | €170,735 | €201,054 | €210,192 | ▲ 4.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,336 | €30,588 | €25,783 | €23,900 | €16,535 | ▼ 30.8% |
| Other operating charges640/8 | - | €1,601 | €1,322 | €1,840 | €2,227 | ▲ 21.0% |
| Gross operating margin9900 | €94,261 | €237,725 | €228,741 | €231,577 | €243,606 | ▲ 5.2% |
| Operating profit (loss)9901 | -€9,761 | €70,390 | €30,900 | €4,783 | €14,652 | ▲ 206% |
| Financial income75/76B | - | €197 | €298 | €1,638 | €790 | ▼ 51.8% |
| Recurring financial income75 | €3,874 | €197 | €298 | €1,638 | €790 | ▼ 51.8% |
| Financial charges65/66B | - | €20 | €163 | €397 | €121 | ▼ 69.6% |
| Recurring financial charges65 | €14 | €20 | €163 | €397 | €121 | ▼ 69.6% |
| Profit (loss) for the period before taxes9903 | -€5,901 | €70,568 | €31,035 | €6,024 | €15,322 | ▲ 154% |
| Income taxes67/77 | €596 | €17,116 | €5,536 | €1,489 | €1,954 | ▲ 31.2% |
| Profit (loss) for the period9904 | -€6,497 | €53,452 | €25,499 | €4,535 | €13,368 | ▲ 195% |
| Transfer from tax-exempt reserves789 | - | €42,850 | €0 | - | - | - |
| Profit (loss) for the period to be appropriated9905 | -€6,497 | €96,302 | €25,499 | €4,535 | €13,368 | ▲ 195% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €299,676 | €390,961 | €331,984 | €272,321 | €256,989 | ▼ 5.6% |
| Fixed assets21/28 | €131,336 | €102,572 | €82,581 | €81,285 | €86,298 | ▲ 6.2% |
| Tangible fixed assets22/27 | €131,336 | €102,572 | €82,581 | €81,285 | €86,298 | ▲ 6.2% |
| Plant, machinery and equipment23 | - | €28,342 | €25,208 | €19,316 | €31,712 | ▲ 64.2% |
| Furniture and vehicles24 | - | €19,250 | €12,240 | €2,075 | €1,535 | ▼ 26.0% |
| Other tangible fixed assets26 | - | €54,979 | €45,133 | €59,893 | €53,051 | ▼ 11.4% |
| Current assets29/58 | €168,340 | €288,390 | €249,403 | €191,036 | €170,691 | ▼ 10.7% |
| Stocks and contracts in progress3 | €7,385 | €7,152 | €5,137 | €5,320 | €9,870 | ▲ 85.5% |
| Stocks30/36 | - | €7,152 | €5,137 | €5,320 | €9,870 | ▲ 85.5% |
| Amounts receivable within one year40/41 | €29,234 | €21,641 | €33,540 | €37,620 | €92,174 | ▲ 145% |
| Trade receivables40 | - | €21,641 | €29,076 | €35,824 | €89,770 | ▲ 151% |
| Other amounts receivable41 | - | €0 | €4,464 | €1,796 | €2,404 | ▲ 33.9% |
| Current investments50/53 | - | - | - | €70,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €120,560 | €252,549 | €198,822 | €61,187 | €43,539 | ▼ 28.8% |
| Deferred charges and accrued income490/1 | - | €7,049 | €11,904 | €16,910 | €25,108 | ▲ 48.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €299,676 | €390,961 | €331,984 | €272,321 | €256,989 | ▼ 5.6% |
| Equity10/15 | €223,978 | €277,430 | €242,929 | €177,463 | €160,831 | ▼ 9.4% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €205,378 | €258,830 | €224,329 | €158,863 | €142,231 | ▼ 10.5% |
| Non-distributable reserves130/1 | - | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €0 | - | - | - |
| Tax-exempt reserves132 | - | €0 | - | - | - | - |
| Distributable reserves133 | - | €256,970 | €224,329 | €158,863 | €142,231 | ▼ 10.5% |
| Profit (loss) carried forward14 | - | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €75,698 | €113,532 | €89,055 | €94,858 | €96,157 | ▲ 1.4% |
| Amounts payable within one year42/48 | €75,698 | €113,532 | €89,055 | €94,858 | €96,157 | ▲ 1.4% |
| Trade debts44 | €11,110 | €20,498 | €22,242 | €40,590 | €21,913 | ▼ 46.0% |
| Suppliers440/4 | - | €20,498 | €22,242 | €40,590 | €21,913 | ▼ 46.0% |
| Advances received on contracts in progress46 | - | €37,447 | €31,762 | €26,198 | €35,785 | ▲ 36.6% |
| Taxes, remuneration and social security45 | - | €51,983 | €31,448 | €24,924 | €35,109 | ▲ 40.9% |
| Taxes450/3 | - | €36,179 | €11,467 | €5,931 | €14,551 | ▲ 145% |
| Remuneration and social security454/9 | - | €15,804 | €19,981 | €18,992 | €20,558 | ▲ 8.2% |
| Other amounts payable47/48 | - | €3,603 | €3,603 | €3,146 | €3,351 | ▲ 6.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€6,497 | €53,452 | €25,499 | €4,535 | €13,368 | ▲ 195% |
| + Depreciation and write-downs630 | €33,336 | €30,588 | €25,783 | €23,900 | €16,535 | ▼ 30.8% |
| Operating cash flow (approximation) | €26,839 | €84,040 | €51,282 | €28,435 | €29,903 | ▲ 5.2% |
| Investment in fixed assets (approximation) | - | -€1,824 | -€5,792 | -€22,603 | -€21,549 | ▲ 4.7% |
| Change in cash | - | €131,989 | -€53,727 | -€137,635 | -€17,648 | ▲ 87.2% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €53,452
Net result €53,452 after 2 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet -€46,267
Net result drops to -€46,267, the lowest in the series; recovery starts the following year.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
20-12
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Bertem · 1 establishment unit since 1999
Ground area
921 m²
Building footprint
381 m²
Volume, LiDAR
2,108 m³
Parcel 24009A0252/00R000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bosstraat 187, 3060 Bertem
since 19992.099.233.319
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24009A0252/00R000 | Flanders | 921 m² | 1 · 381 m² | 6.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 53,039 EUR awarded · 53,039 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 19,369 EUR | 19,369 EUR |
| 2024 | 2 | 15,435 EUR | 15,435 EUR |
| 2023 | 1 | 16,200 EUR | 16,200 EUR |
| 2022 | 1 | 2,035 EUR | 2,035 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteBertem2.099.233.319
Similar companies · same sector, comparable size
Almila & Co
BE 0511.946.402
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Nostimo
BE 0553.628.092
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't TRUFFELTJE
BE 0446.797.143
Dendermonde · Eq €160,945
CHAPLIN
BE 0797.379.788
Heuvelland · Eq €160,970
Of 20,506 companies in sector 56111 we hold annual accounts for 11,454. 8,946 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded26-10-1999
Fiscal year end30-06
Activities, NACEBEL 2025
56111Full-service restaurants
56210Event catering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0467138340
Also
9925:BE0467138340
Registered
20-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.