BERTEVELDE
ActiveBERTEVELDE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €-2k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▼-18
Solvency71=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.07 in 2024; short-term debt: 42.8% and cash: 0.8% of total assets), and 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
45.8%
Return on assets
0%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
19 d late
2024
59 d late
2023
59 d late
2022
59 d late
2021
28 d late
2020
25 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.43M▼ 0.1%
2024 · €1.43M
2020: €669k
2021: €675k
2022: €94k
2023: €1.21M
2024: €1.43M
2020 → 2025
Total assets
€3.12M▲ 1.3%
2024 · €3.08M
2020: €1.84M
2021: €1.65M
2022: €1.20M
2023: €2.97M
2024: €3.08M
2020 → 2025
Net result
€-2k
2024 · €219k
2020: €359k
2021: €6k
2022: €-581k
2023: €995k
2024: €219k
2020 → 2025
Working capital
€-1.26M▼ 1.9%
2024 · €-1.23M
2020: €-320k
2021: €-409k
2022: €-600k
2023: €-1.25M
2024: €-1.23M
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€675k-€94k▼ 86.1%€1.21M▲ 1,188%€1.43M▲ 18.1%€1.43M▼ 0.1%
Operating result€22k-€-574k€5k€20k▲ 267%€43k▲ 114%
Net result€6k-€-581k€995k€219k▼ 78.0%€-2k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 114% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.12M
Fixed assets
€3.04M▲ 1.7%
Current assets
€78k▼ 11.8%
Equity and liabilities €3.12M
Equity
€1.43M▼ 0.1%
Debt
€1.69M▲ 2.5%
The debt ratio rises from 53.6% to 54.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
45.8%▼
2024 · 46.4%
Current ratio
0.06▼
2024 · 0.07
Quick ratio
0.06▼
2024 · 0.07
Debt / equity
1.18▲
2024 · 1.15
ROE
-0.1%▼
2024 · 15.4%
ROA
0.0%▼
2024 · 7.1%
Debt
€1.69M▲
2024 · €1.65M
Debt ≤ 1 year
€1.33M▲
2024 · €1.32M
Debt > 1 year
€356k▲
2024 · €328k
Income taxes
€0▲
2024 · €-362
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.08M€3.12M▲
Fixed assets21/28€2.99M€3.04M▲
Financial fixed assets28€2.99M€3.04M▲
Current assets29/58€88k€78k▼
Amounts receivable within one year40/41€45k€54k▲
Trade receivables40€44k€44k=
Other amounts receivable41€1k€10k▲
Cash at bank and in hand54/58€43k€24k▼
Equity and liabilities
Total equity and liabilities10/49€3.08M€3.12M▲
Equity10/15€1.43M€1.43M▼
Contributions10/11€430k€430k=
Profit (loss) carried forward14€998k€997k▼
Amounts payable17/49€1.65M€1.69M▲
Amounts payable after more than one year17€328k€356k▲
Financial debts170/4€328k€356k▲
Amounts payable within one year42/48€1.32M€1.33M▲
Current portion of amounts payable after more than one year42€363k€170k▼
Trade debts44€139k€87k▼
Suppliers440/4€139k€87k▼
Taxes, remuneration and social security45-€2k
Taxes450/3-€2k
Other amounts payable47/48€819k€1.08M▲
Income statement
Code20242025
Other operating charges640/8€200€845▲
Gross operating margin9900€20k€44k▲
Operating profit (loss)9901€20k€43k▲
Financial income75/76B€256k€0▼
Recurring financial income75€256k€0▼
Financial charges65/66B€57k€44k▼
Recurring financial charges65€57k€44k▼
Profit (loss) for the period before taxes9903€219k€-2k▼
Income taxes67/77€-362€0▲
Profit (loss) for the period9904€219k€-2k▼
Profit (loss) for the period to be appropriated9905€219k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€998k€997k▼
Profit (loss) brought forward from the previous period14P€779k€998k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 59 days late
2024
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 59 days late
2023
31-12
Financial
Back to profitnet €995k
Net result €995k after one loss-making year.
31-12
Financial
Equity above €1MEq €1.21M ▲1188%
Equity rises from €94k to €1.21M.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
2022
31-12
Financial
Weakest financial yearnet €-581k ▼9335%
Net result drops to €-581k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 28 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lichtervelde · 1 establishment unit since 2019
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.
Bontenhondstraat 158810 LichterveldeGround area
1.1 ha
Building footprint
742 m²
Volume, LiDAR
3,870 m³
Parcel 36011C0897/00M000, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERTEVELDE
since 20192.295.811.044
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011C0897/00M000 | Flanders | 1.1 ha | 1 · 742 m² | 7.1 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.
Similar companies · same sector, comparable size
C&S Estate
BE 0892.991.304
Wichelen · Eq €1.43M
Intergamma België
BE 0859.886.291
Antwerpen · Eq €1.43M
MIDASTE
BE 0867.310.058
Antwerpen · Eq €1.43M
TRIXXO RIEMST
BE 0877.885.335
Bilzen-Hoeselt · Eq €1.42M
TotalEnergies Belgium Services
BE 0505.980.308
Brussel · Eq €1.43M
Of 24,501 companies in sector 82990 we hold annual accounts for 9,396. 3,876 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.