BERTJE
ActiveSummary
BERTJE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-4k) and a net result of €-3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 2566 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability66▼-27
Solvency21▼-3
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.53 against 0.71 in 2024; short-term debt: 99.5% and cash: 39% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-4%
Return on assets
-2.5%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles (NACE 95)
about 19% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-4k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
61 d late
2022
9 d early
2021
29 d late
2020
31 d late
2019
89 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k▼ 166%
2024 · €-2k
2018: €7khighest in 8 years
2019: €-5k▼ -176% vs 2018
2020: €-14k▼ -165% vs 2019
2021: €-20k▼ -39.6% vs 2020
2022: €-14k▲ +29.2% vs 2021
2023: €-24k▼ -66.8% vs 2022lowest in 8 years
2024: €-2k▲ +93.0% vs 2023
2025: €-4k▼ -166% vs 2024
2018 → 2025
Total assets
€111k▼ 2.4%
2024 · €114k
2018: €142khighest in 8 years
2019: €130k▼ -8.6% vs 2018
2020: €126k▼ -2.6% vs 2019
2021: €118k▼ -6.8% vs 2020
2022: €119k▲ +1.4% vs 2021
2023: €104k▼ -13.2% vs 2022lowest in 8 years
2024: €114k▲ +10.0% vs 2023
2025: €111k▼ -2.4% vs 2024
2018 → 2025
Net result
€-3k
2024 · €22k
2018: €20k
2019: €-13k▼ -163% vs 2018lowest in 8 years
2020: €-9k▲ +28.7% vs 2019
2021: €-6k▲ +36.3% vs 2020
2022: €6k▲ +203% vs 2021
2023: €-10k▼ -262% vs 2022
2024: €22k▲ +332% vs 2023highest in 8 years
2025: €-3k▼ -113% vs 2024
2018 → 2025
Working capital
€-52k▼ 63.7%
2024 · €-32k
2018: €-67k
2019: €-79k▼ -17.8% vs 2018lowest in 8 years
2020: €-67k▲ +14.8% vs 2019
2021: €-66k▲ +0.9% vs 2020
2022: €-45k▲ +31.6% vs 2021
2023: €-64k▼ -41.3% vs 2022
2024: €-32k▲ +50.2% vs 2023highest in 8 years
2025: €-52k▼ -63.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-20k-€-14k▲ 29.2%€-24k▼ 66.8%€-2k▲ 93.0%€-4k▼ 166%
2021: €-20k
2022: €-14k▲ +29.2% vs 2021
2023: €-24k▼ -66.8% vs 2022lowest in 5 years
2024: €-2k▲ +93.0% vs 2023highest in 5 years
2025: €-4k▼ -166% vs 2024
Operating result€-5k-€6k€-10k€22k€-3k
2021: €-5k
2022: €6k▲ +209% vs 2021
2023: €-10k▼ -260% vs 2022lowest in 5 years
2024: €22k▲ +334% vs 2023highest in 5 years
2025: €-3k▼ -112% vs 2024
Net result€-6k-€6k€-10k€22k€-3k
2021: €-6k
2022: €6k▲ +203% vs 2021
2023: €-10k▼ -262% vs 2022lowest in 5 years
2024: €22k▲ +332% vs 2023highest in 5 years
2025: €-3k▼ -113% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €22k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€53k ▲ 50.3%
Current assets
€58k ▼ 25.8%
Key figures and ratios
EBITDA
€12k▼
2024 · €32k
Cash flow
€12k▼
2024 · €32k
Solvency
-4.0%▼
2024 · -1.5%
Current ratio
0.53▼
2024 · 0.71
Quick ratio
0.47▼
2024 · 0.67
Debt to equity
-25.97▲
2024 · -69.05
ROA
-2.5%▼
2024 · 19.5%
Interest coverage
157.26▼
2024 · 324.09
Debt
€116k▲
2024 · €116k
Debt ≤ 1 year
€111k=
2024 · €111k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€114k€111k▼
Fixed assets21/28€35k€53k▲
Tangible fixed assets22/27€34k€52k▲
Plant, machinery and equipment23€11k€6k▼
Furniture and vehicles24€1k€28k▲
Other tangible fixed assets26€22k€18k▼
Financial fixed assets28€800€800=
Current assets29/58€79k€58k▼
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€495€571▲
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€67k€43k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€114k€111k▼
Equity10/15€-2k€-4k▼
Contributions10/11€19k€19k=
Profit (loss) carried forward14€-20k€-23k▼
Amounts payable17/49€116k€116k▲
Amounts payable within one year42/48€111k€111k=
Trade debts44€1k€694▼
Suppliers440/4€1k€694▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€108k€103k▼
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Non-recurring operating income76A€5k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€15k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€2k-
Gross operating margin9900€36k€14k▼
Operating profit (loss)9901€22k€-3k▼
Financial charges65/66B€99€79▼
Recurring financial charges65€99€79▼
Profit (loss) for the period before taxes9903€22k€-3k▼
Profit (loss) for the period9904€22k€-3k▼
Profit (loss) for the period to be appropriated9905€22k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-23k▼
Profit (loss) brought forward from the previous period14P€-42k€-20k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €2k | €4k | €3k | €5k | €2k | ▼ 57.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €16k | €17k | €14k | €10k | €15k | ▲ 53.5% |
| Other operating charges640/8 | €830 | €1k | €1k | €1k | €1k | ▲ 16.2% |
| Non-recurring operating charges66A | - | - | - | €2k | - | - |
| Gross operating margin9900 | €12k | €24k | €6k | €36k | €14k | ▼ 61.2% |
| Operating profit (loss)9901 | €-5k | €6k | €-10k | €22k | €-3k | ▼ 112% |
| Financial charges65/66B | €304 | €55 | €45 | €99 | €79 | ▼ 20.1% |
| Recurring financial charges65 | €304 | €55 | €45 | €99 | €79 | ▼ 20.1% |
| Profit (loss) for the period before taxes9903 | €-6k | €6k | €-10k | €22k | €-3k | ▼ 113% |
| Profit (loss) for the period9904 | €-6k | €6k | €-10k | €22k | €-3k | ▼ 113% |
| Profit (loss) for the period to be appropriated9905 | €-6k | €6k | €-10k | €22k | €-3k | ▼ 113% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118k | €119k | €104k | €114k | €111k | ▼ 2.4% |
| Fixed assets21/28 | €50k | €36k | €45k | €35k | €53k | ▲ 50.3% |
| Tangible fixed assets22/27 | €50k | €35k | €44k | €34k | €52k | ▲ 51.5% |
| Plant, machinery and equipment23 | €39k | €28k | €17k | €11k | €6k | ▼ 50.9% |
| Furniture and vehicles24 | €5k | €3k | €2k | €1k | €28k | ▲ 1,940% |
| Other tangible fixed assets26 | €6k | €4k | €25k | €22k | €18k | ▼ 16.6% |
| Financial fixed assets28 | €800 | €800 | €800 | €800 | €800 | = |
| Current assets29/58 | €67k | €84k | €59k | €79k | €58k | ▼ 25.8% |
| Stocks and contracts in progress3 | €5k | €3k | €4k | €5k | €7k | ▲ 38.5% |
| Stocks30/36 | €5k | €3k | €4k | €5k | €7k | ▲ 38.5% |
| Amounts receivable within one year40/41 | €8k | €8k | €6k | €5k | €6k | ▲ 29.4% |
| Trade receivables40 | €917 | €519 | €570 | €495 | €571 | ▲ 15.4% |
| Other amounts receivable41 | €7k | €8k | €5k | €4k | €5k | ▲ 31.1% |
| Cash at bank and in hand54/58 | €53k | €70k | €47k | €67k | €43k | ▼ 35.3% |
| Deferred charges and accrued income490/1 | €2k | €3k | €3k | €3k | €3k | ▲ 3.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118k | €119k | €104k | €114k | €111k | ▼ 2.4% |
| Equity10/15 | €-20k | €-14k | €-24k | €-2k | €-4k | ▼ 166% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €-39k | €-33k | €-42k | €-20k | €-23k | ▼ 13.7% |
| Amounts payable17/49 | €138k | €134k | €127k | €116k | €116k | ▲ 0.1% |
| Amounts payable within one year42/48 | €134k | €129k | €123k | €111k | €111k | = |
| Trade debts44 | €3k | €2k | €1k | €1k | €694 | ▼ 34.6% |
| Suppliers440/4 | €3k | €2k | €1k | €1k | €694 | ▼ 34.6% |
| Taxes, remuneration and social security45 | €2k | €8k | €6k | €2k | €7k | ▲ 289% |
| Taxes450/3 | €2k | €8k | €6k | €2k | €7k | ▲ 289% |
| Other amounts payable47/48 | €128k | €120k | €116k | €108k | €103k | ▼ 4.2% |
| Accrued charges and deferred income492/3 | €4k | €5k | €5k | €5k | €5k | ▲ 2.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-6k | €6k | €-10k | €22k | €-3k | ▼ 113% |
| + Depreciation and write-downs630 | €16k | €17k | €14k | €10k | €15k | ▲ 53.5% |
| Operating cash flow (approximation) | €10k | €23k | €5k | €32k | €12k | ▼ 61.3% |
| Investment in fixed assets (approximation) | - | €-3k | €-24k | €0 | €-33k | - |
| Change in cash | - | €17k | €-23k | €20k | €-24k | ▼ 216% |
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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
22-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 89 days late
2019
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 61 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Rijkevorsel · 1 establishment unit since 1999
Ground area
103 m²
Building footprint
78 m²
Volume, LiDAR
572 m³
Parcel 13502E0448/00C002, Flanders · tallest building 9.5 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Vlimmersebaan 2, 2310 Rijkevorsel
since 19992.300.956.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502E0448/00C002 | Flanders | 103 m² | 1 · 78 m² | 9.5 m · 3 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
2023 · 2 entries · 2,202 EUR awarded · 2,202 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 2,202 EUR | 2,202 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
SADHAR
BE 0804.473.161
Anderlecht · Eq €7,055
GILSE CAR WASH
BE 0765.856.669
Turnhout · Eq €7,350
MG CAR WASH
BE 0708.909.949
Charleroi · Eq €6,963
STROMEXPRESS
BE 0713.627.020
Vorst · Eq €6,944
JATT VIP
BE 0650.702.526
Binche · Eq €6,935
Of 3,208 companies in sector 95316 we hold annual accounts for 751. 430 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 (pre-2019)
Founded14-01-1999
Fiscal year end31-12
Activities, NACEBEL 2025
95316Washing and cleaning of motor vehicles
47789Other retail sale of new goods
Scores and ratios are computed by Checked and are not a credit decision.