BERVER
ActiveBERVER has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €9k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 28% of 1493 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+77
Solvency4▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.06 against 0.04 in 2024), and 93.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← fewer bankruptcies
more bankruptcies →
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
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
6.1%
Return on assets
1.4%
Age of the figures
11 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-02-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
68 d early
2023
85 d early
2022
59 d early
2021
58 d early
2020
28 d early
2019
55 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
Total assets
€668k▲ 6.3%
2024 · €629k
2018: €537k
2019: €526k
2020: €543k
2021: €577k
2022: €589k
2023: €590k
2024: €629k
2018 → 2025
Net result
€9k▲ 530%
2024 · €1k
2018: €-4k
2019: €-7k
2020: €-15k
2021: €8k
2022: €14k
2023: €1k
2024: €1k
2018 → 2025
Working capital
€-590k▼ 2.9%
2024 · €-573k
2018: €-477k
2019: €-484k
2020: €-525k
2021: €-525k
2022: €-488k
2023: €-460k
2024: €-573k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€29k▲ 95.6%€30k▲ 3.9%€31k▲ 4.8%€41k▲ 29.0%
Operating result€8k-€14k▲ 69.4%€1k▼ 90.9%€1k▼ 4.4%€9k▲ 644%
Net result€8k-€14k▲ 69.9%€1k▼ 92.0%€1k▲ 28.7%€9k▲ 530%
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 644% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €668k
Fixed assets
€630k▲ 4.3%
Current assets
€38k▲ 56.9%
Equity and liabilities €668k
Equity
€41k▲ 29.0%
Debt
€628k▲ 5.1%
The debt ratio falls from 95.0% to 93.9%: equity grows faster than debt.
Key figures and ratios
EBITDA
€38k▲
2024 · €27k
Cash flow
€38k▲
2024 · €27k
Solvency
6.1%▲
2024 · 5.0%
Current ratio
0.06▲
2024 · 0.04
Quick ratio
0.06▲
2024 · 0.04
Debt / equity
15.45▼
2024 · 18.96
ROE
22.5%▲
2024 · 4.6%
ROA
1.4%▲
2024 · 0.2%
Interest coverage
276.00▲
2024 · 127.69
Debt
€628k▲
2024 · €597k
Debt ≤ 1 year
€628k▲
2024 · €597k
Income taxes
€23
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€629k€668k▲
Fixed assets21/28€605k€630k▲
Tangible fixed assets22/27€605k€630k▲
Land and buildings22€598k€575k▼
Plant, machinery and equipment23€4k€4k▲
Furniture and vehicles24€2k€51k▲
Current assets29/58€24k€38k▲
Amounts receivable within one year40/41€0€3k▲
Trade receivables40€0€3k▲
Cash at bank and in hand54/58€23k€33k▲
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€629k€668k▲
Equity10/15€31k€41k▲
Contributions10/11€19k€19k=
Reserves13€13k€22k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€13k€22k▲
Amounts payable17/49€597k€628k▲
Amounts payable within one year42/48€597k€628k▲
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€591k€621k▲
Income statement
Code20242025
Non-recurring operating income76A€49€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€29k▲
Other operating charges640/8€9k€9k▲
Gross operating margin9900€36k€48k▲
Operating profit (loss)9901€1k€9k▲
Financial income75/76B€413€0▼
Recurring financial income75€413€0▼
Financial charges65/66B€213€139▼
Recurring financial charges65€213€139▼
Profit (loss) for the period before taxes9903€1k€9k▲
Income taxes67/77-€23
Profit (loss) for the period9904€1k€9k▲
Profit (loss) for the period to be appropriated9905€1k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€9k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€1k€9k▲
To other reserves6921€1k€9k▲
The notes to these accounts (5 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
19-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €14k ▲69.9%
Operating result €14k, net result €14k, both a record.
03-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €8k
Net result €8k after 3 loss-making years.
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-15k
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
06-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
06-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-02
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
no sitting director, no change since 2024
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.
30-01-2024
Resigned as Director
Location & real-estate footprint
Registered office, Ravels · 1 establishment unit since 2001
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.
Nijverheidsstraat 12a2381 RavelsGround area
4,412 m²
Building footprint
4,133 m²
Volume, LiDAR
23,519 m³
Parcel 13048D0761/00P010, Flanders · tallest building 27.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nijverheidsstraat 12A, 2381 Ravels
since 20012.101.190.937
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13048D0761/00P010 | Flanders | 4,412 m² | 1 · 4,133 m² | 27.5 m · 2 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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LFMAL
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Of 225 companies in sector 77310 we hold annual accounts for 122. 88 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2000
Fiscal year end30-09
Activities, NACEBEL
71310
77310Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:bert@jan-verheyen.be