BERTEMBOS
ActiveSummary
BERTEMBOS has been active since 1999 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €160,831 and a net result of €13,368. Equity has been shrinking by about 7.9% per year since 2019. Its solvency ranks better than 78% of 17,001 sector peers (NACE 56, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 26-10-1999 Normal situation
- Activity
- Full-service restaurants NACE 56111and 1 other
- Establishment unit
- 2.099.233.319 3060 Bertem, since 20-12-1999
- Financial year end
- 30 June
- Peppol
- Reachable since 20-01-2026
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.3%
- Gross margin
- €243,606
- ▲ 5.2%
- Turnover
- ≈ €710,000
- estimated
- Profit
- €13,368
- ▲ 195%
- Equity
- €160,831
- ▼ 9.4%
- Total assets
- €256,989
- ▼ 5.6%
- Employees on 30-06-2025
- 3
- ▼ 66.7%
Score breakdownraises riskSector: Food and beverage service activities (NACE 56)lowers riskFounded in 1999Liquidity: current ratio 1.78, cash €43,539Equity €160,831 (62.6% of total assets)Show the evidence
Checked score
About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 56, micro). It does better than 78% of them on solvency, 57% on liquidity, 58% on profitability and 31% on growth.
The bankruptcy probability was computed on 03-11-2026 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.
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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 5 days before the deadline. In the sector (NACE 56), the median for financial year 2024 was 7 days after the deadline, and 53% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, micro format
Annual accounts 2025 filed on 08-01-2026 PDF all 26 filings
Every figure per financial year
The operating result for 2025 is nearly 3.1 times that of 2024. It is a recovery after the fall in 2024.
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Staff
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Employees at the balance-sheet date | 4 | 8 | 9 | 3 |
| full-time | 4 | 8 | 9 | 3 |
| part-time | 0 | 0 | 0 | 0 |
| in full-time equivalents | 4 | 8 | 9 | 3 |
| Average over the year, in full-time equivalents | 3.4 | 3.4 | 4.8 | 3.3 |
| On a permanent contract | 3 | 2 | 3 | 2 |
| Joined | 514 | 619 | - | 580 |
| Left | 512 | 615 | - | 586 |
Source: social balance sheet in the 2022 to 2025 annual accounts
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | €1,824 | €5,792 | €22,603 | €21,549 |
| Depreciation and write-downs of the year | €30,588 | €25,783 | €23,900 | €16,535 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Subsidies and aid
Flemish government
2022 to 2025 · 6 entries · €53,039 awarded · €53,039 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 2 | €19,369 | €19,369 |
| 2024 | 2 | €15,435 | €15,435 |
| 2023 | 1 | €16,200 | €16,200 |
| 2022 | 1 | €2,035 | €2,035 |
| Line | 2019 | 2020 | 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 | €30,984 | €35,168 | €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 | €200,729 | €94,205 | €94,261 | €237,725 | €228,741 | €231,577 | €243,606 | ▲ 5.2% |
| Operating profit (loss)9901 | €44,803 | -€45,714 | -€9,761 | €70,390 | €30,900 | €4,783 | €14,652 | ▲ 206% |
| Financial income75/76B | - | - | - | €197 | €298 | €1,638 | €790 | ▼ 51.8% |
| Recurring financial income75 | €376 | €122 | €3,874 | €197 | €298 | €1,638 | €790 | ▼ 51.8% |
| Financial charges65/66B | - | - | - | €20 | €163 | €397 | €121 | ▼ 69.6% |
| Recurring financial charges65 | €2,012 | €9 | €14 | €20 | €163 | €397 | €121 | ▼ 69.6% |
| Profit (loss) for the period before taxes9903 | €43,166 | -€45,601 | -€5,901 | €70,568 | €31,035 | €6,024 | €15,322 | ▲ 154% |
| Income taxes67/77 | €10,270 | €666 | €596 | €17,116 | €5,536 | €1,489 | €1,954 | ▲ 31.2% |
| Profit (loss) for the period9904 | €32,896 | -€46,267 | -€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 | €32,896 | -€46,267 | -€6,497 | €96,302 | €25,499 | €4,535 | €13,368 | ▲ 195% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €356,956 | €289,911 | €299,676 | €390,961 | €331,984 | €272,321 | €256,989 | ▼ 5.6% |
| Fixed assets21/28 | €127,997 | €151,990 | €131,336 | €102,572 | €82,581 | €81,285 | €86,298 | ▲ 6.2% |
| Tangible fixed assets22/27 | €127,997 | €151,990 | €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 | €228,959 | €137,921 | €168,340 | €288,390 | €249,403 | €191,036 | €170,691 | ▼ 10.7% |
| Stocks and contracts in progress3 | €6,349 | €8,019 | €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 | €37,392 | €8,246 | €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 | €177,540 | €113,476 | €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 | €356,956 | €289,911 | €299,676 | €390,961 | €331,984 | €272,321 | €256,989 | ▼ 5.6% |
| Equity10/15 | €276,742 | €230,475 | €223,978 | €277,430 | €242,929 | €177,463 | €160,831 | ▼ 9.4% |
| Contributions10/11 | €18,600 | - | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €258,142 | €211,875 | €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 | €80,214 | €59,436 | €75,698 | €113,532 | €89,055 | €94,858 | €96,157 | ▲ 1.4% |
| Amounts payable within one year42/48 | €78,996 | €59,436 | €75,698 | €113,532 | €89,055 | €94,858 | €96,157 | ▲ 1.4% |
| Trade debts44 | €17,293 | €12,048 | €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 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €32,896 | -€46,267 | -€6,497 | €53,452 | €25,499 | €4,535 | €13,368 | ▲ 195% |
| + Depreciation and write-downs630 | €30,984 | €35,168 | €33,336 | €30,588 | €25,783 | €23,900 | €16,535 | ▼ 30.8% |
| Operating cash flow (approximation) | €63,880 | -€11,099 | €26,839 | €84,040 | €51,282 | €28,435 | €29,903 | ▲ 5.2% |
| Investment in fixed assets (approximation) | - | -€59,161 | -€12,682 | -€1,824 | -€5,792 | -€22,603 | -€21,549 | ▲ 4.7% |
| Change in cash | - | -€64,064 | €7,083 | €131,989 | -€53,727 | -€137,635 | -€17,648 | ▲ 87.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 31,368 companies had the same profile as BERTEMBOS has now. Two years later, 93.5% were still going and 0.5% had gone bankrupt.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BERTEMBOS itself: 0.3% within 12 months.
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 31,368 companies, not a prediction for BERTEMBOS. 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.
Latest 10 of 26 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 08-01-2026 | 2026-00006834 | |
| 30-06-2024 | micro format | 30-01-2025 | 2025-00029830 | |
| 30-06-2023 | micro format | 30-01-2024 | 2024-00025917 | |
| 30-06-2022 | micro format | 31-01-2023 | 2023-00017939 | |
| 30-06-2021 | micro format | 28-01-2022 | 2022-02600289 | |
| 30-06-2020 | micro format | 28-01-2021 | 2021-02400003 | |
| 30-06-2019 | micro format | 30-01-2020 | 2020-02900421 | |
| 30-06-2018 | micro format | 31-01-2019 | 2019-04000561 | |
| 30-06-2017 | micro format | 30-01-2018 | 2018-03000235 | |
| 30-06-2016 | abbreviated format | 20-12-2016 | 2016-70600293 |
Board & ownership
Directors
Full text
Artikel 11. Bestuursbevoegdheid De bestuurders hebben de macht om de vennootschap te vertegenwoordigen en te verbinden voor alle daden van bestuur en beschikking die met het voorwerp van de vennootschap niet in strijd zijn en niet door de wet of door de statuten verboden zijn. Zij mogen namelijk onroerende goederen kopen of vervreemden, toestemmen tot de vestiging van hypotheken op alle maatschappelijke goederen, opheffing verlenen van alle inschrijvingen, gedaan ten voordele van de vennootschap, met of zonder betaling. Al wat door de wet of onderhavige statuten niet uitdrukkelijk voorbehouden werd aan de algemene vergadering valt in hun bevoegdheid. Als er slechts één bestuurder is, is het geheel van de bevoegdheden van de bestuurders aan hem toegekend, met de mogelijkheid een deel van deze bevoegdheden te delegeren. Indien de vennootschap door meer dan één bestuurders wordt bestuurd, mag iedere bestuurder, alleen optredend, alle handelingen stellen die nodig of nuttig zijn voor de verwezenlijking van het voorwerp van de vennootschap, behalve deze die de wet of de statuten aan de algemene vergadering voorbehouden.
Owners and capital
Capital transactions
- 14-06-2023 Converted to unavailable equity
- 14-06-2023 Converted to available equity
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| SPELTDOORN Albert |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Bestuursorgaan, algemene vergadering bepaalt aantal,duur en bij meerdere bevoegdheid”
Articles of association, deed of 14-06-2023 (in Dutch)
Network & group
BERTEMBOS shares no director with another company.
Connections & network
1 current directorThe network starts from the directors of BERTEMBOS. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
14-06
Gazette deed
Change of role: SPELTDOORN Albert, from manager to directorAmendment of the articles · Capital conversion · Capital10 points ▸
- General meeting, 12-06-2023
- Amendment of the articles, mentioned 2 times in the deed
- Capital conversion, “statutair onbeschikbare eigen vermogensrekening” (deed in Dutch)
- Capital conversion, “beschikbare eigen vermogensrekening” (deed in Dutch)
- Capital
- Director resignation, SPELTDOORN Albert (manager)
- Director appointment, SPELTDOORN Albert (director (not named in the articles))
- Director discharge, SPELTDOORN Albert
- Registered office clause, “Bosstraat 187,3060 Bertem, VIJFDE BESLISSING” (deed in Dutch)
- Power of attorney
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Codes under NACEBEL 2003
Text of the purpose
“De uitbating van een feestzaal en/of restaurant alsmede een traiteurdienst; dit omvat de verkoop van bereide schotels en het inrichten van banketten, alsook het bedelen van bereide schotels of spijzen, en dranken.”
Invoicing and payment
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 24009A0252/00R000 | Flanders | 921 m² | 1 · 381 m² | 6.7 m · 2 |