Berwilo
ActiveBerwilo has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €51k. Equity is growing by ~42.7% per year across the filed fiscal years. Its solvency ranks better than 5% of 16377 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+33
Solvency0▼-31
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.35 against 1.23 in 2024), and 99.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
0.1%
Return on assets
3.6%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 16377 sector peers (2025).
NBB · sector comparisonPosition among 16377 sector peers
Solvency
better than 5%
← weakest
strongest →
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 03-07-2026, 28 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
28 d early
2024
23 d early
2023
35 d early
2022
35 d early
2021
89 d early
2020
4 d early
2019
39 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k▼ 99.4%
2024 · €324k
2018: €37k
2019: €96k
2020: €116k
2021: €20k
2022: €232k
2023: €280k
2024: €324k
2018 → 2025
Total assets
€1.40M▼ 11.5%
2024 · €1.58M
2018: €45k
2019: €110k
2020: €126k
2021: €383k
2022: €1.19M
2023: €1.52M
2024: €1.58M
2018 → 2025
Net result
€51k▲ 16.1%
2024 · €44k
2018: €19k
2019: €59k
2020: €19k
2021: €203k
2022: €230k
2023: €49k
2024: €44k
2018 → 2025
Working capital
€-262k
2024 · €47k
2018: €36k
2019: €96k
2020: €116k
2021: €7k
2022: €121k
2023: €48k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€232k▲ 1,035%€280k▲ 20.6%€324k▲ 15.6%€2k▼ 99.4%
Operating result€267k-€273k▲ 2.4%€83k▼ 69.7%€86k▲ 4.0%€94k▲ 9.1%
Net result€203k-€230k▲ 13.7%€49k▼ 78.5%€44k▼ 11.9%€51k▲ 16.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.40M
Fixed assets
€1.26M▼ 5.5%
Current assets
€141k▼ 43.5%
Equity and liabilities €1.40M
Equity
€2k▼ 99.4%
Debt
€1.39M▲ 11.2%
The debt ratio rises from 79.5% to 99.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€168k▲
2024 · €161k
Cash flow
€125k▲
2024 · €119k
Solvency
0.1%▼
2024 · 20.5%
Current ratio
0.35▼
2024 · 1.23
Quick ratio
0.35▼
2024 · 1.23
ROA
3.6%▲
2024 · 2.8%
Interest coverage
5.87▲
2024 · 5.31
Debt
€1.39M▲
2024 · €1.25M
Debt ≤ 1 year
€403k▲
2024 · €202k
Debt > 1 year
€991k▼
2024 · €1.05M
Income taxes
€15k▲
2024 · €13k
A ratio outside any meaningful range has been withheld (balance sheet total €1.40M, equity €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€1.58M€1.40M▼
Fixed assets21/28€1.33M€1.26M▼
Tangible fixed assets22/27€1.33M€1.26M▼
Land and buildings22€1.26M€1.20M▼
Plant, machinery and equipment23€17k€15k▼
Furniture and vehicles24€50k€36k▼
Current assets29/58€249k€141k▼
Amounts receivable within one year40/41€178k€50k▼
Trade receivables40€32k€35k▲
Other amounts receivable41€146k€15k▼
Cash at bank and in hand54/58€36k€87k▲
Deferred charges and accrued income490/1€35k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.58M€1.40M▼
Equity10/15€324k€2k▼
Contributions10/11€2k€2k=
Reserves13€322k-
Distributable reserves133€322k-
Amounts payable17/49€1.25M€1.39M▲
Amounts payable after more than one year17€1.05M€991k▼
Financial debts170/4€1.05M€991k▼
Amounts payable within one year42/48€202k€403k▲
Current portion of amounts payable after more than one year42€59k€61k▲
Trade debts44€20k€3k▼
Suppliers440/4€20k€3k▼
Advances received on contracts in progress46-€1k
Taxes, remuneration and social security45€8k€50▼
Taxes450/3€8k€50▼
Other amounts payable47/48€114k€338k▲
Accrued charges and deferred income492/3€71-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€74k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€167k€175k▲
Operating profit (loss)9901€86k€94k▲
Financial income75/76B€562€425▼
Recurring financial income75€562€425▼
Financial charges65/66B€30k€29k▼
Recurring financial charges65€30k€29k▼
Profit (loss) for the period before taxes9903€56k€66k▲
Income taxes67/77€13k€15k▲
Profit (loss) for the period9904€44k€51k▲
Profit (loss) for the period to be appropriated9905€44k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€51k▲
Transfer from equity791/2-€322k
Transfer to equity691/2€44k-
To other reserves6921€44k-
Profit to be distributed694/7-€372k
Return on contributions (dividend)694-€372k
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €230k ▲13.7%
Operating result €273k, net result €230k, both a record.
31-12
Financial
Equity above €200kEq €232k ▲1035%
5 profitable years in a row build equity to €232k.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €116k ▲20.1%
3 profitable years in a row build equity to €116k.
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
3 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, Boechout · 1 establishment unit since 2018
Ground area
1,299 m²
Building footprint
177 m²
Volume, LiDAR
767 m³
Parcel 11047B0078/00C002, Flanders · tallest building 8.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Dentius Boechout
since 20182.282.097.620
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11047B0078/00C002 | Flanders | 1,299 m² | 1 · 177 m² | 8.8 m · 1 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 6,925 companies in sector 86230 we hold annual accounts for 4,282. 370 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.