BERVAN
ActiveSummary
BERVAN has been active since 1977 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €526,795 and a net result of €37,543. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 81% of 10485 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▲+1
Solvency95▲+5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45,000 at 30 days acceptable
Liquidity ample (current ratio 3.28 against 2.86 in 2024; short-term debt: 30.3% and cash: 60.2% of total assets), and 30.3% of the assets are financed with debt.
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Signals
Four 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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
69.7%
Return on assets
5%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
2 d early
2022
3 d early
2021
33 d early
2020
26 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 10 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, abbreviated schema
Equity
€526,795▲ 7.7%
2024 · €489,252
Total assets
€755,846▲ 1.1%
2024 · €747,906
Net result
€37,543▲ 10.0%
2024 · €34,142
Working capital
€521,540▲ 8.4%
2024 · €481,127
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
Line20212022202320242025
Operating result€74,551▲ 448%€104,754▲ 40.5%€88,694▼ 15.3%€55,303▼ 37.6%€56,878▲ 2.8%
Net result€47,372▲ 555%€73,043▲ 54.2%€58,681▼ 19.7%€34,142▼ 41.8%€37,543▲ 10.0%
Equity€326,536▲ 17.0%€396,429▲ 21.4%€455,110▲ 14.8%€489,252▲ 7.5%€526,795▲ 7.7%
Total assets€599,052▲ 31.6%€634,843▲ 6.0%€690,253▲ 8.7%€747,906▲ 8.4%€755,846▲ 1.1%
Debt€272,516▲ 54.7%€238,414▼ 12.5%€235,142▼ 1.4%€258,654▲ 10.0%€229,050▼ 11.4%
Working capital€290,807▲ 27.4%€364,647▲ 25.4%€443,089▲ 21.5%€481,127▲ 8.6%€521,540▲ 8.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755,846
Fixed assets
€5,255 ▼ 35.3%
Current assets
€750,590 ▲ 1.5%
Equity and liabilities €755,846
Equity
€526,795 ▲ 7.7%
Debt
€229,050 ▼ 11.4%
Debt's share of the balance-sheet total falls from 34.6% to 30.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€59,747▲
2024 · €59,200
Cash flow
€40,413▲
2024 · €38,039
Current ratio
3.28▲
2024 · 2.86
Quick ratio
2.27▲
2024 · 1.93
Debt to equity
0.43▼
2024 · 0.53
ROE
7.1%▲
2024 · 7.0%
ROA
5.0%▲
2024 · 4.6%
Interest coverage
7.41▲
2024 · 5.97
Debt ≤ 1 year
€229,050▼
2024 · €258,654
Income taxes
€14,940▲
2024 · €13,671
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 14,684 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 96% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.2%
went bankrupt
3.5%
stopped otherwise
96%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 14,684 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.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €17,659 | €17,147 | €19,761 | €3,897 | €2,870 | ▼ 26.4% |
| Other operating charges640/8 | €1,791 | €548 | €1,293 | €662 | €540 | ▼ 18.4% |
| Gross operating margin9900 | €94,001 | €122,449 | €109,749 | €59,862 | €60,287 | ▲ 0.7% |
| Operating profit (loss)9901 | €74,551 | €104,754 | €88,694 | €55,303 | €56,878 | ▲ 2.8% |
| Financial income75/76B | €2,535 | €2,062 | €1,796 | €2,433 | €3,671 | ▲ 50.9% |
| Recurring financial income75 | €1,956 | €2,062 | €1,796 | €2,433 | €3,671 | ▲ 50.9% |
| Non-recurring financial income76B | €579 | - | - | - | - | - |
| Financial charges65/66B | €5,022 | €5,323 | €7,771 | €9,923 | €8,065 | ▼ 18.7% |
| Recurring financial charges65 | €5,022 | €5,323 | €7,771 | €9,923 | €8,065 | ▼ 18.7% |
| Profit (loss) for the period before taxes9903 | €72,064 | €101,493 | €82,719 | €47,813 | €52,484 | ▲ 9.8% |
| Income taxes67/77 | €24,692 | €28,450 | €24,038 | €13,671 | €14,940 | ▲ 9.3% |
| Profit (loss) for the period9904 | €47,372 | €73,043 | €58,681 | €34,142 | €37,543 | ▲ 10.0% |
| Profit (loss) for the period to be appropriated9905 | €47,372 | €73,043 | €58,681 | €34,142 | €37,543 | ▲ 10.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €599,052 | €634,843 | €690,253 | €747,906 | €755,846 | ▲ 1.1% |
| Fixed assets21/28 | €35,730 | €31,783 | €12,022 | €8,125 | €5,255 | ▼ 35.3% |
| Tangible fixed assets22/27 | €35,730 | €31,783 | €12,022 | €8,125 | €5,255 | ▼ 35.3% |
| Plant, machinery and equipment23 | €13,260 | €20,445 | €11,815 | €8,125 | €5,255 | ▼ 35.3% |
| Furniture and vehicles24 | €22,470 | €11,338 | €207 | €0 | - | - |
| Current assets29/58 | €563,323 | €603,061 | €678,231 | €739,781 | €750,590 | ▲ 1.5% |
| Stocks and contracts in progress3 | €328,430 | €297,807 | €209,674 | €239,304 | €230,606 | ▼ 3.6% |
| Stocks30/36 | €328,430 | €297,807 | €209,674 | €239,304 | €230,606 | ▼ 3.6% |
| Amounts receivable within one year40/41 | €75,905 | €95,070 | €57,365 | €57,521 | €62,468 | ▲ 8.6% |
| Trade receivables40 | €64,059 | €34,269 | €29,480 | €33,317 | €33,081 | ▼ 0.7% |
| Other amounts receivable41 | €11,846 | €60,801 | €27,886 | €24,203 | €29,386 | ▲ 21.4% |
| Current investments50/53 | €20,000 | €20,000 | - | - | - | - |
| Cash at bank and in hand54/58 | €137,211 | €188,366 | €409,333 | €441,079 | €454,926 | ▲ 3.1% |
| Deferred charges and accrued income490/1 | €1,777 | €1,819 | €1,859 | €1,876 | €2,591 | ▲ 38.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €599,052 | €634,843 | €690,253 | €747,906 | €755,846 | ▲ 1.1% |
| Equity10/15 | €326,536 | €396,429 | €455,110 | €489,252 | €526,795 | ▲ 7.7% |
| Contributions10/11 | €100,000 | €100,000 | €100,000 | €100,000 | €100,000 | = |
| Reserves13 | €226,536 | €296,429 | €355,110 | €389,252 | €426,795 | ▲ 9.6% |
| Non-distributable reserves130/1 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Reserves not available under the articles1311 | €10,000 | €10,000 | €10,000 | €10,000 | €10,000 | = |
| Distributable reserves133 | €216,536 | €286,429 | €345,110 | €379,252 | €416,795 | ▲ 9.9% |
| Profit (loss) carried forward14 | - | - | €0 | - | - | - |
| Amounts payable17/49 | €272,516 | €238,414 | €235,142 | €258,654 | €229,050 | ▼ 11.4% |
| Amounts payable within one year42/48 | €272,516 | €238,414 | €235,142 | €258,654 | €229,050 | ▼ 11.4% |
| Trade debts44 | €132,671 | €87,110 | €94,972 | €144,163 | €106,392 | ▼ 26.2% |
| Suppliers440/4 | €132,671 | €87,110 | €94,972 | €144,163 | €106,392 | ▼ 26.2% |
| Taxes, remuneration and social security45 | €15,420 | €15,894 | €5,038 | €5,993 | €5,612 | ▼ 6.4% |
| Taxes450/3 | €15,420 | €15,894 | €5,038 | €5,993 | €5,612 | ▼ 6.4% |
| Other amounts payable47/48 | €124,425 | €135,409 | €135,132 | €108,498 | €117,045 | ▲ 7.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €47,372 | €73,043 | €58,681 | €34,142 | €37,543 | ▲ 10.0% |
| + Depreciation and write-downs630 | €17,659 | €17,147 | €19,761 | €3,897 | €2,870 | ▼ 26.4% |
| Operating cash flow (approximation) | €65,031 | €90,190 | €78,442 | €38,039 | €40,413 | ▲ 6.2% |
| Investment in fixed assets (approximation) | - | -€13,200 | -€1 | €0 | €0 | - |
| Change in cash | - | €51,155 | €220,967 | €31,747 | €13,847 | ▼ 56.4% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Equity above €500,000Eq €526,795 ▲7.7%
8 profitable years in a row build equity to €526,795.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €73,043 ▲54.2%
Operating result €104,754, net result €73,043, both a record.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €7,236 ▼74.1%
Net result drops to €7,236, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
06-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ingelmunster · 1 establishment unit since 1978
Ground area
3,061 m²
Building footprint
222 m²
Volume, LiDAR
1,106 m³
Parcel 36007B0965/00M000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Oostrozebekestraat 225, 8770 Ingelmunster
since 19782.014.283.291
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36007B0965/00M000 | Flanders | 3,061 m² | 1 · 222 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 272 EUR awarded · 272 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 177 EUR | 177 EUR |
| 2024 | 1 | 35 EUR | 35 EUR |
| 2023 | 1 | 30 EUR | 30 EUR |
| 2022 | 1 | 30 EUR | 30 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteIngelmunster2.014.283.291
Similar companies · same sector, comparable size
VEYS E&S
BE 0861.950.215
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HOUBAGRI
BE 0457.054.496
Beauraing · Eq €531,673
JULIEN VAN DIEST
BE 0439.874.610
Beersel · Eq €533,104
Bosmans Retail
BE 0646.897.750
Bertem · Eq €533,379
ZOULOU
BE 0477.753.209
Elsene · Eq €519,137
Of 3,390 companies in sector 47761 we hold annual accounts for 1,156. 820 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)
Founded08-12-1977
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
46852Wholesale trade
E-invoicing
Reachable via Peppol
Peppol ID
0208:0417689423
Also
9925:BE0417689423
Registered
15-12-2025
Register as of 26 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.