Berto
ActiveSummary
Berto has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €387,940 and a net result of €84,801. Equity is growing by about 42% per year across the filed financial years. Its solvency ranks better than 25% of 2,071 sector peers (NACE 01, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
- Staff
- 10.5 FTE
- Equity
- €387,940
- Profit
- €84,801
Why 93raises riskSize: 10.5 FTE, total assets €1.9mlowers riskSector: Crop and animal production, hunting and related service activities (NACE 01)Liquidity: current ratio 1.04, cash €413,715Figures for financial year 2025 (filed 08-07-2026)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 01, small): better than 25% on solvency, 72% on liquidity, 60% on profitability and 78% on growth.
The bankruptcy probability was computed on 30-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
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Signals
This company filed its last 3 accounts on average 30 days before the deadline; the sector median (NACE 01) for financial year 2024 is 3 days before the deadline, and 37% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · abbreviated…
- Weakest financial yearnet €84,801 ▼50.5%
- Annual accounts filedfinancial year 2024 · abbreviated…
Financials · financial year 2025, abbreviated format
2023 to 2025, 3 financial years
The operating result falls in 2025; 2025 is 47% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Average staff in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 01, Crop and animal production, hunting and related service activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Peer companies
Historical observationOf the 896 companies that looked in July 2024 the way this one looks now, 1.1% went bankrupt within 24 months and 98.1% are still going.
- Small
- 2 to 5 years old
- solvency 10 to 30%
- a profit under 5% of the balance sheet
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 896 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €376,250 | €389,536 | €505,723 | ▲ 29.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €91,051 | €123,648 | €144,060 | ▲ 16.5% |
| Other operating charges640/8 | €3,717 | €2,874 | €3,511 | ▲ 22.2% |
| Gross operating margin9900 | €627,373 | €759,253 | €783,235 | ▲ 3.2% |
| Operating profit (loss)9901 | €156,355 | €243,195 | €129,941 | ▼ 46.6% |
| Financial income75/76B | €2,228 | €3,426 | €2,272 | ▼ 33.7% |
| Recurring financial income75 | €2,228 | €3,426 | €2,272 | ▼ 33.7% |
| Financial charges65/66B | €11,226 | €9,119 | €13,312 | ▲ 46.0% |
| Recurring financial charges65 | €11,226 | €9,119 | €13,312 | ▲ 46.0% |
| Profit (loss) for the period before taxes9903 | €147,357 | €237,502 | €118,902 | ▼ 49.9% |
| Income taxes67/77 | €40,520 | €66,200 | €34,101 | ▼ 48.5% |
| Profit (loss) for the period9904 | €106,837 | €171,302 | €84,801 | ▼ 50.5% |
| Profit (loss) for the period to be appropriated9905 | €106,837 | €171,302 | €84,801 | ▼ 50.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €1.2m | €1.2m | €1.9m | ▲ 51.2% |
| Fixed assets21/28 | €0.3m | €0.3m | €1.0m | ▲ 210% |
| Tangible fixed assets22/27 | €0.3m | €0.3m | €0.2m | ▼ 43.3% |
| Plant, machinery and equipment23 | €0.3m | €0.3m | €0.2m | ▼ 43.3% |
| Furniture and vehicles24 | €0.002m | €0 | - | - |
| Financial fixed assets28 | €125 | €125 | €0.8m | ▲ 6,737× |
| Current assets29/58 | €0.9m | €0.9m | €0.8m | ▼ 7.2% |
| Amounts receivable after more than one year29 | - | €0.005m | €0.01m | ▲ 200% |
| Other amounts receivable291 | - | €0.005m | €0.01m | ▲ 200% |
| Amounts receivable within one year40/41 | €0.5m | €0.4m | €0.3m | ▼ 14.3% |
| Trade receivables40 | €0.5m | €0.4m | €0.3m | ▼ 19.2% |
| Other amounts receivable41 | €0.02m | €0.01m | €0.03m | ▲ 175% |
| Cash at bank and in hand54/58 | €0.3m | €0.4m | €0.4m | ▲ 5.1% |
| Deferred charges and accrued income490/1 | €0.09m | €0.1m | €0.06m | ▼ 37.0% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €1.2m | €1.2m | €1.9m | ▲ 51.2% |
| Equity10/15 | €0.1m | €0.3m | €0.4m | ▲ 28.0% |
| Contributions10/11 | €0.03m | €0.03m | €0.03m | = |
| Reserves13 | €0.1m | €0.3m | €0.4m | ▲ 30.5% |
| Distributable reserves133 | €0.1m | €0.3m | €0.4m | ▲ 30.5% |
| Amounts payable17/49 | €1.0m | €0.9m | €1.5m | ▲ 58.7% |
| Amounts payable after more than one year17 | €0.1m | €0.1m | €0.6m | ▲ 281% |
| Financial debts170/4 | €0.1m | €0.1m | €0.6m | ▲ 281% |
| Amounts payable within one year42/48 | €0.8m | €0.7m | €0.8m | ▲ 20.1% |
| Current portion of amounts payable after more than one year42 | €0.03m | €0.07m | €0.2m | ▲ 184% |
| Trade debts44 | €0.5m | €0.4m | €0.4m | ▲ 1.2% |
| Suppliers440/4 | €0.5m | €0.4m | €0.4m | ▲ 1.2% |
| Taxes, remuneration and social security45 | €0.07m | €0.1m | €0.1m | ▲ 0.7% |
| Taxes450/3 | €0.04m | €0.1m | €0.1m | ▼ 6.0% |
| Remuneration and social security454/9 | €0.03m | €0.03m | €0.03m | ▲ 27.8% |
| Other amounts payable47/48 | €0.2m | €0.06m | €0.06m | ▼ 0.1% |
| Accrued charges and deferred income492/3 | €0.07m | €0.1m | €0.1m | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €106,837 | €171,302 | €84,801 | ▼ 50.5% |
| + Depreciation and write-downs630 | €91,051 | €123,648 | €144,060 | ▲ 16.5% |
| Operating cash flow (approximation) | €197,888 | €294,950 | €228,861 | ▼ 22.4% |
| Investment in fixed assets (approximation) | - | -€202,268 | -€842,041 | ▼ 316% |
| Change in cash | - | €73,838 | €19,988 | ▼ 72.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | abbreviated format | 08-07-2026 | 2026-00266517 |
| 31-12-2024 | abbreviated format | 23-06-2025 | 2025-00162885 |
| 31-12-2023 | abbreviated format | 02-07-2024 | 2024-00194003 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| BERTELS Jan Kris Emiel |
|
| De Nayer Frans |
|
Owners and capital
Capital and shareholders
- BERTELS Jan Kris Emiel 100 shares (100%) · €25,000
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 20-12-2022 Incorporation · €25,000 · 100 shares
Group and network
Holdings and subsidiaries
1 holdingHoldings 1
-
99.06%
According to the 2025 annual accounts of Berto and those of the other companies, the acts in the Belgian Official Gazette and the LEI register. Annual accounts state the shareholders that notified the company under article 7:225 of the Code of Companies and Associations and the parent companies that consolidate it. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not include these statements in its annual accounts, or does not have to, is not listed.
Connections & network
2 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Berto was incorporated on 16 December 2022 as a private limited company by one natural person, with a starting capital of €25,000.12 The board currently has 2 members; BERTELS Jan Kris Emiel has served longest, since 2022.2 Total assets rose from €1.2m in 2023 to €1.9m in 2025 and headcount from 10.2 to 10.5 full-time equivalents.3
Acts, filings and financial milestones
05-07
Gazette deed
Appointment: De Nayer Frans (director)2 facts ▸
- General meeting, 02-04-2024
- Director appointment, De Nayer Frans (director)
20-12
Gazette deed
IncorporationAppointment: BERTELS Jan Kris Emiel (director) · Founder · Founding capital8 facts ▸
- Incorporation, 15-12-2022
- Founder, BERTELS Jan Kris Emiel
- Founding capital, €25,000
- Other provision, “financieel plan, verantwoording bedrag aanvangsvermogen” (deed in Dutch)
- Bank account, “Ondernemersbank Center Mechelen te Mechelen, BE61 0019 4277 5917” (deed in Dutch)
- Board rule, 1
- Director appointment, BERTELS Jan Kris Emiel (director)
- Pre-incorporation commitments, “takeover, alle verbintenissen en verplichtingen die eruit voortvloeien,en alle activiteiten ondernomen in naam en voor rekening van vennootschap in oprichting” (deed in Dutch)
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Recognitions · licences · registrations
Food safety, FASFC
1 siteEnvironmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
2 parcels
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12029D0353/00H000 | Flanders | 3,150 m² | 1 · 316 m² | - |
| 12009A0044/02L000 | Flanders | 2,198 m² | 1 · 262 m² | 9.7 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het uitoefenen van elke activiteit in de land- en tuinbouwsector,meer bepaald het telen van,de handel in,de conditionering van,de…” (deed in Dutch)
9 activities (deed in Dutch)
- Het uitoefenen van elke activiteit in de land- en tuinbouwsector,meer bepaald het telen van,de handel in,de conditionering van,de tussenhandel in,en de in- en uitvoer van groenten,fruit en alle land- en tuinbouwproducten in de ruimste zin,dit alles zowel rechtstreeks als onrechtstreeks;
- Het geven van teelt- en bedrijfsadviezen aan land- en tuinbouwers en het leveren van bedrijfsmaterialen aan land- en tuinbouwers;
- Het adviseren,de marketing en de begeleiding op technisch,financieel en commercieel gebied,van projecten met betrekking tot activiteiten in de land- en tuinbouw in de meest ruime zin;
- De aankoop van allerlei verbruiks- en uitrustingsgoederen dienstig voor land- en tuinbouw;
- De productie van en de handel in elektriciteit en/of gasproducten en handel in certificaten met betrekking tot milieuvriendelijke energieproductie;
- Alle handelingen dewelke betrekking hebben op de belegging van de middelen van de vennootschap in roerende en onroerende goederen;
- Het uitoefenen van bestuurdersmandaten en het nemen van belangen,op welke wijze ook,in andere vennootschappen en ondernemingen;
- Het verlenen van management en advies.
- Het uitoefenen van de functie van bestuurder of vereffenaar van vennootschappen.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Name clauseThe name the company operates under according to its articles.
- Berto
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, 2570 Duffel,Waarloossteenweg 16 B” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- Each director alone
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1” (deed in Dutch)“Algemene vergadering, onbepaalde duur bij gebrek aan bepaling” (deed in Dutch)1 more provision on this in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Last Thursday of June at 20:00
Oversight and winding up
- Statutory auditorA statutory auditor is a registered auditor who checks the accounts; small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor