BERVILOU
ActiveSummary
BERVILOU has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €510,904 and a net result of €140,132. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 4231 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability87=
Solvency61▲+4
Growth78▼-4
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 2.12 against 2.0 in 2024; short-term debt: 21.3% and cash: 17.9% of total assets), but 63.9% 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
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
36.1%
Return on assets
9.9%
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 21-05-2026, 71 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
71 d early
2024
58 d early
2023
82 d early
2022
64 d early
2021
61 d early
2020
60 d early
2019
53 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 64 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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. Usually files around 28 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€1.2m▼ 1.7%
2024 · €1.2m
EBIT margin
18.3%▲ 2.2pp
2024 · 16.2%
Net result
€140,132▲ 6.0%
2024 · €132,209
Working capital
€337,102▲ 30.6%
2024 · €258,149
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€728,419▲ 13.7%€845,370▲ 16.1%€1.1m▲ 31.0%€1.2m▲ 7.7%€1.2m▼ 1.7%
Operating result€87,023▲ 60.9%€80,851▼ 7.1%€169,118▲ 109%€192,840▲ 14.0%€214,958▲ 11.5%
Net result€59,709above the sector's middle half▲ 49.7%€56,433above the sector's middle half▼ 5.5%€112,278within the sector's middle half▲ 99.0%€132,209above the sector's middle half▲ 17.8%€140,132within the sector's middle half▲ 6.0%
EBIT margin11.9%▲ 3.5pp9.6%▼ 2.4pp15.3%▲ 5.7pp16.2%▲ 0.9pp18.3%▲ 2.2pp
Equity€170,136above the sector's middle half▲ 54.1%€225,319above the sector's middle half▲ 32.4%€336,348within the sector's middle half▲ 49.3%€433,058within the sector's middle half▲ 28.8%€510,904within the sector's middle half▲ 18.0%
Total assets€689,916above the sector's middle half▲ 81.4%€831,853above the sector's middle half▲ 20.6%€965,307within the sector's middle half▲ 16.0%€1.3mwithin the sector's middle half▲ 39.5%€1.4mwithin the sector's middle half▲ 5.1%
Debt€519,780▲ 92.5%€606,534▲ 16.7%€628,960▲ 3.7%€913,976▲ 45.3%€904,242▼ 1.1%
Working capital€72,000within the sector's middle half▲ 33.0%€126,801above the sector's middle half▲ 76.1%€237,790within the sector's middle half▲ 87.5%€258,149within the sector's middle half▲ 8.6%€337,102within the sector's middle half▲ 30.6%
Solvency24.7%within the sector's middle half▼ 4.4pp27.1%within the sector's middle half▲ 2.4pp34.8%within the sector's middle half▲ 7.8pp32.1%within the sector's middle half▼ 2.7pp36.1%within the sector's middle half▲ 4.0pp
Current ratio1.49within the sector's middle half▲ 0.081.63within the sector's middle half▲ 0.151.93within the sector's middle half▲ 0.302.00within the sector's middle half▲ 0.072.12within the sector's middle half▲ 0.12
Return on assets (ROA)8.7%within the sector's middle half▼ 1.8pp6.8%within the sector's middle half▼ 1.9pp11.6%above the sector's middle half▲ 4.8pp9.8%above the sector's middle half▼ 1.8pp9.9%above the sector's middle half▲ 0.1pp
Staff (FTE)3.6▲ 16.1%3.4▼ 5.6%3.4within the sector's middle half=3.4within the sector's middle half=3.1within the sector's middle half▼ 8.8%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.4m
Fixed assets
€776,277 ▼ 6.5%
Current assets
€638,870 ▲ 23.6%
Equity and liabilities €1.4m
Equity
€510,904 ▲ 18.0%
Debt
€904,242 ▼ 1.1%
Debt's share of the balance-sheet total falls from 67.9% to 63.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€275,387▲
2024 · €244,639
Cash flow
€200,561▲
2024 · €184,007
Quick ratio
2.07▲
2024 · 1.94
Debt to equity
1.77▼
2024 · 2.11
ROE
27.4%▼
2024 · 30.5%
Interest coverage
13.30▼
2024 · 24.55
Debt ≤ 1 year
€301,767▲
2024 · €258,540
Debt > 1 year
€602,475▼
2024 · €655,436
Income taxes
€59,783▲
2024 · €55,571
Staff costs
€105,297▼
2024 · €122,647
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.8% 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 497,338 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 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% 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 26,975 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €728,419 | €845,370 | €1.1m | €1.2m | €1.2m | ▼ 1.7% |
| Goods, raw materials, services and sundry goods60/61 | €499,712 | €595,645 | €760,630 | €777,294 | €793,741 | ▲ 2.1% |
| Remuneration, social security and pensions62 | €116,297 | €119,973 | €130,134 | €122,647 | €105,297 | ▼ 14.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €33,480 | €48,666 | €50,372 | €51,798 | €60,429 | ▲ 16.7% |
| Other operating charges640/8 | €1,046 | €2,463 | €2,644 | €53,646 | €5,645 | ▼ 89.5% |
| Gross operating margin9900 | €237,846 | €251,953 | €352,267 | €420,932 | €386,329 | ▼ 8.2% |
| Operating profit (loss)9901 | €87,023 | €80,851 | €169,118 | €192,840 | €214,958 | ▲ 11.5% |
| Financial income75/76B | - | - | - | €4,904 | €5,665 | ▲ 15.5% |
| Recurring financial income75 | - | - | - | €4,904 | €5,665 | ▲ 15.5% |
| Financial charges65/66B | €3,887 | €7,651 | €8,340 | €9,965 | €20,708 | ▲ 108% |
| Recurring financial charges65 | €3,887 | €7,651 | €8,340 | €9,965 | €20,708 | ▲ 108% |
| Profit (loss) for the period before taxes9903 | €83,137 | €73,199 | €160,777 | €187,780 | €199,915 | ▲ 6.5% |
| Income taxes67/77 | €23,428 | €16,766 | €48,499 | €55,571 | €59,783 | ▲ 7.6% |
| Profit (loss) for the period9904 | €59,709 | €56,433 | €112,278 | €132,209 | €140,132 | ▲ 6.0% |
| Profit (loss) for the period to be appropriated9905 | €59,709 | €56,433 | €112,278 | €132,209 | €140,132 | ▲ 6.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €689,916 | €831,853 | €965,307 | €1.3m | €1.4m | ▲ 5.1% |
| Fixed assets21/28 | €469,687 | €505,175 | €471,853 | €830,345 | €776,277 | ▼ 6.5% |
| Tangible fixed assets22/27 | €469,311 | €505,175 | €471,853 | €830,345 | €776,277 | ▼ 6.5% |
| Land and buildings22 | €307,486 | €295,172 | €282,857 | €614,500 | €592,638 | ▼ 3.6% |
| Plant, machinery and equipment23 | €23,391 | €96,251 | €85,964 | €86,140 | €83,564 | ▼ 3.0% |
| Furniture and vehicles24 | €18,820 | €10,881 | €16,904 | €59,249 | €43,700 | ▼ 26.2% |
| Other tangible fixed assets26 | €119,614 | €102,871 | €86,129 | €70,456 | €56,375 | ▼ 20.0% |
| Financial fixed assets28 | €376 | - | - | - | - | - |
| Current assets29/58 | €220,230 | €326,678 | €493,454 | €516,689 | €638,870 | ▲ 23.6% |
| Amounts receivable after more than one year29 | - | - | - | €95,939 | €91,273 | ▼ 4.9% |
| Other amounts receivable291 | - | - | - | €95,939 | €91,273 | ▼ 4.9% |
| Stocks and contracts in progress3 | €8,963 | €10,222 | €10,670 | €14,591 | €13,583 | ▼ 6.9% |
| Stocks30/36 | €8,963 | €10,222 | €10,670 | €14,591 | €13,583 | ▼ 6.9% |
| Amounts receivable within one year40/41 | €9,202 | €26,549 | €17,520 | €32,889 | €27,285 | ▼ 17.0% |
| Trade receivables40 | €7,975 | €23,778 | €14,499 | €18,096 | €9,338 | ▼ 48.4% |
| Other amounts receivable41 | €1,227 | €2,771 | €3,021 | €14,793 | €17,947 | ▲ 21.3% |
| Current investments50/53 | - | - | - | - | €250,399 | - |
| Cash at bank and in hand54/58 | €200,390 | €288,264 | €464,624 | €370,510 | €254,007 | ▼ 31.4% |
| Deferred charges and accrued income490/1 | €1,675 | €1,643 | €641 | €2,759 | €2,323 | ▼ 15.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €689,916 | €831,853 | €965,307 | €1.3m | €1.4m | ▲ 5.1% |
| Equity10/15 | €170,136 | €225,319 | €336,348 | €433,058 | €510,904 | ▲ 18.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €129,568 | €185,998 | €298,276 | €395,216 | €475,968 | ▲ 20.4% |
| Non-distributable reserves130/1 | €1,860 | - | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | - | - | - | - | - |
| Distributable reserves133 | €127,708 | €185,998 | €298,276 | €395,216 | €475,968 | ▲ 20.4% |
| Profit (loss) carried forward14 | €21,968 | €20,721 | €19,472 | €19,242 | €16,336 | ▼ 15.1% |
| Amounts payable17/49 | €519,780 | €606,534 | €628,960 | €913,976 | €904,242 | ▼ 1.1% |
| Amounts payable after more than one year17 | €371,550 | €406,657 | €373,295 | €655,436 | €602,475 | ▼ 8.1% |
| Financial debts170/4 | €361,693 | €405,210 | €373,295 | €655,436 | €602,475 | ▼ 8.1% |
| Other amounts payable178/9 | €9,857 | €1,447 | - | - | - | - |
| Amounts payable within one year42/48 | €148,230 | €199,877 | €255,664 | €258,540 | €301,767 | ▲ 16.7% |
| Current portion of amounts payable after more than one year42 | €32,859 | €43,170 | €33,932 | €62,012 | €66,508 | ▲ 7.2% |
| Trade debts44 | €41,033 | €76,226 | €116,980 | €79,421 | €105,657 | ▲ 33.0% |
| Suppliers440/4 | €41,033 | €76,226 | €116,980 | €79,421 | €105,657 | ▲ 33.0% |
| Taxes, remuneration and social security45 | €74,338 | €77,567 | €100,070 | €83,965 | €71,971 | ▼ 14.3% |
| Taxes450/3 | €36,874 | €38,894 | €55,899 | €60,312 | €48,698 | ▼ 19.3% |
| Remuneration and social security454/9 | €37,463 | €38,673 | €44,172 | €23,653 | €23,273 | ▼ 1.6% |
| Other amounts payable47/48 | - | €2,915 | €4,682 | €33,141 | €57,631 | ▲ 73.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €59,709 | €56,433 | €112,278 | €132,209 | €140,132 | ▲ 6.0% |
| + Depreciation and write-downs630 | €33,480 | €48,666 | €50,372 | €51,798 | €60,429 | ▲ 16.7% |
| Operating cash flow (approximation) | €93,189 | €105,099 | €162,650 | €184,007 | €200,561 | ▲ 9.0% |
| Investment in fixed assets (approximation) | - | -€84,154 | -€17,050 | -€410,290 | -€6,362 | ▲ 98.4% |
| Change in cash | - | €87,874 | €176,360 | -€94,114 | -€116,503 | ▼ 23.8% |
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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €140,132 ▲6%
Operating result €214,958, net result €140,132, both a record.
31-12
Financial
Equity above €500,000Eq €510,904 ▲18%
8 profitable years in a row build equity to €510,904.
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €225,319 ▲32.4%
5 profitable years in a row build equity to €225,319.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150,000Eq €170,136 ▲54.1%
4 profitable years in a row build equity to €170,136.
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100,000Eq €110,427 ▲56.5%
3 profitable years in a row build equity to €110,427.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 7 acts read
About the unread acts
We know of 7 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
7 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, Braine-l'Alleud · 1 establishment unit since 2017
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.
Av Grande Closière 151428 Braine-l'AlleudGround area
266 m²
Building footprint
99 m²
Volume, LiDAR
1,067 m³
Parcel 25050B0422/00S000, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Le Solitaire
since 20172.269.572.346
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050B0422/00S000 | Wallonia | 266 m² | 1 · 99 m² | 13.2 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLa Hulpe2.269.572.346
Legal Entity Identifier
699400OLD1AO5TA3W697
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Of 396 companies in sector 47271 we hold annual accounts for 154. 91 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
Founded26-09-2017
Fiscal year end31-12
Activities, NACEBEL 2025
47221Retail sale of meat and meat products, excluding game and poultry
47271Retail trade
47241Retail sale of bread and pastry (bakery outlets)
47252Retail sale of beverages, general range
47279Other retail sale of food
56112Limited-service restaurants, excluding mobile food services
Contact
E-mail
bervilou-srl@hotmail.com
E-invoicing
Reachable via Peppol
Peppol ID
0208:0681789541
Also
9925:BE0681789541
Registered
27-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.