Summary
BertoBen is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €874,042 and a net result of €251,894. Equity is growing by ~46% per year across the filed fiscal years. Its solvency ranks better than 80% of 9866 sector peers (fiscal year 2024). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
not confirmed
2024
14 d early
2023
30 d early
2022
25 d early
2021
3 d early
2020
32 d early
2019
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 22 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (1)
History
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Financials · fiscal year 2024, micro schema
Equity
€874,042▲ 40.5%
2023 · €622,148
Net result
€251,894▲ 29.7%
2023 · €194,221
Total assets
€1.0m▲ 6.0%
2023 · €987,936
Solvency
83.5%▲ 20.5pp
2023 · 63.0%
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
Line20202021202220232024
Operating result€108,085▼ 22.5%€133,332▲ 23.4%€137,230▲ 2.9%€250,723▲ 82.7%€332,465▲ 32.6%
Net result€87,382▼ 21.3%€108,551▲ 24.2%€113,136▲ 4.2%€194,221▲ 71.7%€251,894▲ 29.7%
Equity€200,040▲ 77.6%€314,791▲ 57.4%€427,927▲ 35.9%€622,148▲ 45.4%€874,042▲ 40.5%
Total assets€399,727▲ 106%€419,712▲ 5.0%€672,643▲ 60.3%€987,936▲ 46.9%€1.0m▲ 6.0%
Debt€199,687▲ 147%€104,921▼ 47.5%€244,717▲ 133%€365,788▲ 49.5%€173,188▼ 52.7%
Working capital-€32,361€76,515€189,250▲ 147%€363,775▲ 92.2%€569,217▲ 56.5%
Solvency50.0%▼ 8.1pp75.0%▲ 25.0pp63.6%▼ 11.4pp63.0%▼ 0.6pp83.5%▲ 20.5pp
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
- 2022 Total assets +60% on 2021. Cause not known from the registers.
- 2021 Equity +57% on 2020. Cause not known from the registers.
- 2020 Total assets +106% on 2019. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 33% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.0m
Fixed assets
€354,376 ▲ 8.8%
Current assets
€692,854 ▲ 4.6%
Equity and liabilities €1.0m
Equity
€874,042 ▲ 40.5%
Debt
€173,188 ▼ 52.7%
Debt's share of the balance-sheet total falls from 37.0% to 16.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
28.8%▼
2023 · 31.2%
ROA
24.1%▲
2023 · 19.7%
Debt ≤ 1 year
€123,637▼
2023 · €298,521
Debt > 1 year
€49,551▼
2023 · €67,267
Income taxes
€92,832▲
2023 · €66,416
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €14,634 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,729 | €11,470 | €11,322 | €7,328 | €20,037 | ▲ 173% |
| Other operating charges640/8 | - | €2,638 | €2,258 | €3,699 | €4,004 | ▲ 8.2% |
| Non-recurring operating charges66A | - | - | - | €1,352 | €0 | ▼ 100% |
| Gross operating margin9900 | €122,020 | €147,441 | €150,810 | €263,102 | €356,506 | ▲ 35.5% |
| Operating profit (loss)9901 | €108,085 | €133,332 | €137,230 | €250,723 | €332,465 | ▲ 32.6% |
| Financial income75/76B | - | €11,139 | €21,093 | €21,634 | €24,587 | ▲ 13.6% |
| Recurring financial income75 | €5,507 | €10,977 | €21,093 | €21,484 | €24,587 | ▲ 14.4% |
| Non-recurring financial income76B | - | €162 | - | €150 | €0 | ▼ 100% |
| Financial charges65/66B | - | €3,988 | €9,347 | €11,720 | €12,326 | ▲ 5.2% |
| Recurring financial charges65 | €1,512 | €3,452 | €9,347 | €11,720 | €12,326 | ▲ 5.2% |
| Non-recurring financial charges66B | - | €536 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | €112,080 | €140,484 | €148,976 | €260,637 | €344,725 | ▲ 32.3% |
| Income taxes67/77 | €24,698 | €31,933 | €35,840 | €66,416 | €92,832 | ▲ 39.8% |
| Profit (loss) for the period9904 | €87,382 | €108,551 | €113,136 | €194,221 | €251,894 | ▲ 29.7% |
| Transfer to tax-exempt reserves689 | - | - | - | €63,150 | €63,150 | = |
| Profit (loss) for the period to be appropriated9905 | €87,382 | €108,551 | €113,136 | €131,071 | €188,744 | ▲ 44.0% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €399,727 | €419,712 | €672,643 | €987,936 | €1.0m | ▲ 6.0% |
| Fixed assets21/28 | €245,019 | €241,675 | €238,808 | €325,640 | €354,376 | ▲ 8.8% |
| Tangible fixed assets22/27 | €33,352 | €21,882 | €10,560 | €88,596 | €108,182 | ▲ 22.1% |
| Plant, machinery and equipment23 | - | €2,245 | €742 | €3,818 | €3,391 | ▼ 11.2% |
| Furniture and vehicles24 | - | - | - | - | €38,226 | - |
| Leasing and similar rights25 | - | €19,636 | €9,818 | €84,778 | €66,565 | ▼ 21.5% |
| Financial fixed assets28 | €211,667 | €219,794 | €228,248 | €237,044 | €246,194 | ▲ 3.9% |
| Current assets29/58 | €154,709 | €178,036 | €433,835 | €662,296 | €692,854 | ▲ 4.6% |
| Amounts receivable after more than one year29 | - | €95,000 | - | - | - | - |
| Other amounts receivable291 | - | €95,000 | - | - | - | - |
| Amounts receivable within one year40/41 | €15,532 | €81,587 | €414,676 | €633,390 | €685,709 | ▲ 8.3% |
| Trade receivables40 | - | €78,650 | €95,050 | €296,226 | €179,487 | ▼ 39.4% |
| Other amounts receivable41 | - | €2,937 | €319,626 | €337,164 | €506,222 | ▲ 50.1% |
| Cash at bank and in hand54/58 | €43,617 | €789 | €18,650 | €27,950 | €6,170 | ▼ 77.9% |
| Deferred charges and accrued income490/1 | - | €660 | €509 | €957 | €975 | ▲ 1.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €399,727 | €419,712 | €672,643 | €987,936 | €1.0m | ▲ 6.0% |
| Equity10/15 | €200,040 | €314,791 | €427,927 | €622,148 | €874,042 | ▲ 40.5% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €187,640 | €296,191 | €409,327 | €603,548 | €855,442 | ▲ 41.7% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Tax-exempt reserves132 | - | - | - | €63,150 | €126,300 | ▲ 100% |
| Distributable reserves133 | - | €294,331 | €407,467 | €540,398 | €729,142 | ▲ 34.9% |
| Amounts payable17/49 | €199,687 | €104,921 | €244,717 | €365,788 | €173,188 | ▼ 52.7% |
| Amounts payable after more than one year17 | €12,617 | €3,376 | - | €67,267 | €49,551 | ▼ 26.3% |
| Financial debts170/4 | - | €3,376 | - | €67,267 | €49,551 | ▼ 26.3% |
| Amounts payable within one year42/48 | €187,070 | €101,521 | €244,586 | €298,521 | €123,637 | ▼ 58.6% |
| Current portion of amounts payable after more than one year42 | - | €8,407 | €1,696 | €16,952 | €17,716 | ▲ 4.5% |
| Financial debts43 | - | €2,479 | €35,629 | €35,000 | €5,390 | ▼ 84.6% |
| Credit institutions430/8 | - | €2,479 | €35,629 | €35,000 | €5,390 | ▼ 84.6% |
| Trade debts44 | €2,442 | €1,582 | €2,894 | €121,541 | €2,625 | ▼ 97.8% |
| Suppliers440/4 | - | €1,582 | €2,894 | €121,541 | €2,625 | ▼ 97.8% |
| Taxes, remuneration and social security45 | - | €57,748 | €60,277 | €35,489 | €71,668 | ▲ 102% |
| Taxes450/3 | - | €57,748 | €60,277 | €35,489 | €71,668 | ▲ 102% |
| Other amounts payable47/48 | - | €31,305 | €144,090 | €89,539 | €26,237 | ▼ 70.7% |
| Accrued charges and deferred income492/3 | - | €24 | €131 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €87,382 | €108,551 | €113,136 | €194,221 | €251,894 | ▲ 29.7% |
| + Depreciation and write-downs630 | €10,729 | €11,470 | €11,322 | €7,328 | €20,037 | ▲ 173% |
| Operating cash flow (approximation) | €98,111 | €120,022 | €124,458 | €201,549 | €271,931 | ▲ 34.9% |
| Investment in fixed assets (approximation) | - | -€8,127 | -€8,455 | -€94,160 | -€48,773 | ▲ 48.2% |
| Change in cash | - | -€42,829 | €17,861 | €9,300 | -€21,780 | ▼ 334% |
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
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €251,894 ▲29.7%
Operating result €332,465, net result €251,894, both a record.
31-12
Financial
Liquidity triplescurrent ratio 5.60
Current ratio from 2.22 to 5.60; short-term debt falls from €298,521 to €123,637.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €500,000Eq €622,148 ▲45.4%
5 profitable years in a row build equity to €622,148.
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.75
Current ratio from 0.83 to 1.75; short-term debt falls from €187,070 to €101,521.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €87,382 ▼21.3%
Net result drops to €87,382, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200,000Eq €200,040 ▲77.6%
2 profitable years in a row build equity to €200,040.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Waregem · 1 establishment unit since 2018
Ground area
1,206 m²
Building footprint
184 m²
Volume, LiDAR
1,178 m³
Parcel 34006A0351/00E002, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BertoBen
since 20182.274.877.454
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34006A0351/00E002 | Flanders | 1,206 m² | 1 · 183 m² | 10.2 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2024 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2024 annual accounts of BertoBen and those of the other companies, the acts in the Belgian Gazette and the LEI register. 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 fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 12,998 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
Founded26-03-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0692919795
Registered
01-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.