BERUWO
ActiveBERUWO has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €111k and a net result of €34k. Equity is growing by ~46.1% per year across the filed fiscal years. Its solvency ranks better than 65% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-5
Solvency86▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 7.16 against 13.43 in 2024; short-term debt: 13.8% and cash: 69.9% of total assets), and 39% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
61%
Return on assets
18.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
on the day
2023
2 d late
2022
4 d late
2021
5 d early
2020
31 d late
2019
69 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▲ 44.7%
2024 · €77k
2018: €-76k
2019: €-76k
2020: €-59k
2021: €-28k
2022: €9k
2023: €50k
2024: €77k
2018 → 2025
Total assets
€183k▲ 18.3%
2024 · €154k
2020: €17k
2021: €51k
2022: €91k
2023: €137k
2024: €154k
2020 → 2025
Net result
€34k▲ 28.1%
2024 · €27k
2018: €-2k
2020: €17k
2021: €31k
2022: €37k
2023: €41k
2024: €27k
2018 → 2025
Working capital
€155k▲ 10.2%
2024 · €141k
2020: €16k
2021: €47k
2022: €61k
2023: €112k
2024: €141k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-28k-€9k€50k▲ 431%€77k▲ 53.5%€111k▲ 44.7%
Operating result€31k-€37k▲ 21.3%€41k▲ 8.9%€27k▼ 34.0%€36k▲ 33.7%
Net result€31k-€37k▲ 21.4%€41k▲ 8.9%€27k▼ 34.1%€34k▲ 28.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €183k
Fixed assets
€2k=
Current assets
€181k▲ 18.6%
Equity and liabilities €183k
Equity
€111k▲ 44.7%
Debt
€71k▼ 7.9%
The debt ratio falls from 50.1% to 39.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
61.0%▲
2024 · 49.9%
Current ratio
7.16▼
2024 · 13.43
Quick ratio
7.16▼
2024 · 13.43
Debt / equity
0.64▼
2024 · 1.00
ROE
30.9%▼
2024 · 34.9%
ROA
18.8%▲
2024 · 17.4%
Debt
€71k▼
2024 · €77k
Debt ≤ 1 year
€25k▲
2024 · €11k
Debt > 1 year
€46k▼
2024 · €66k
Income taxes
€2k
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€154k€183k▲
Fixed assets21/28€2k€2k=
Tangible fixed assets22/27€2k€2k=
Furniture and vehicles24€2k€2k=
Current assets29/58€152k€181k▲
Amounts receivable within one year40/41€110k€52k▼
Trade receivables40€18k€17k▼
Other amounts receivable41€92k€35k▼
Cash at bank and in hand54/58€42k€128k▲
Deferred charges and accrued income490/1-€600
Equity and liabilities
Total equity and liabilities10/49€154k€183k▲
Equity10/15€77k€111k▲
Contributions10/11€108k€108k=
Reserves13-€4k
Distributable reserves133-€4k
Profit (loss) carried forward14€-30k-
Amounts payable17/49€77k€71k▼
Amounts payable after more than one year17€66k€46k▼
Other amounts payable178/9€66k€46k▼
Amounts payable within one year42/48€11k€25k▲
Taxes, remuneration and social security45-€11k
Taxes450/3-€11k
Other amounts payable47/48€11k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k-
Other operating charges640/8€535€150▼
Gross operating margin9900€38k€36k▼
Operating profit (loss)9901€27k€36k▲
Financial income75/76B-€912
Recurring financial income75-€912
Financial charges65/66B€64€102▲
Recurring financial charges65€64€102▲
Profit (loss) for the period before taxes9903€27k€37k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€27k€34k▲
Profit (loss) for the period to be appropriated9905€27k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-30k€4k▲
Profit (loss) brought forward from the previous period14P€-57k€-30k▲
Transfer to equity691/2-€4k
To other reserves6921-€4k
The notes to these accounts (3 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €111k ▲44.7%
6 profitable years in a row build equity to €111k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 2 days late
2023
31-12
Financial
Highest result since 2018net €41k ▲8.9%
Operating result €41k, net result €41k, both a record.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 3 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, Mechelen · 1 establishment unit since 2005
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.
Koningin Astridlaan 652800 MechelenGround area
122 m²
Building footprint
77 m²
Volume, LiDAR
737 m³
Parcel 12025E1092/00X000, Flanders · tallest building 18.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Beruwo
since 20052.148.341.746
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025E1092/00X000 | Flanders | 122 m² | 1 · 77 m² | 18.8 m · 4 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.
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Of 4,422 companies in sector 46180 we hold annual accounts for 1,886. 1,414 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded28-07-2005
Fiscal year end31-12
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.