DAVID BERTRAND
ActiveSummary
DAVID BERTRAND has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 86% of 4621 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+7
Solvency100▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.63 against 3.24 in 2024; short-term debt: 25% and cash: 60% of total assets), and 25% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
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
75%
Return on assets
15.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €33k
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
36 d early
2023
25 d early
2022
4 d late
2021
88 d early
2020
23 d late
2019
90 d late
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 26.7%
2024 · €26k
2018: €15k
2019: €34k
2020: €43k
2021: €63k
2022: €65k
2023: €22k
2024: €26k
2018 → 2025
Total assets
€44k▲ 23.0%
2024 · €35k
2018: €48k
2019: €39k
2020: €44k
2021: €71k
2022: €79k
2023: €78k
2024: €35k
2018 → 2025
Net result
€7k▲ 83.8%
2024 · €4k
2018: €8k
2019: €13k
2020: €9k
2021: €20k
2022: €2k
2023: €7k
2024: €4k
2018 → 2025
Working capital
€29k▲ 34.6%
2024 · €21k
2018: €12k
2019: €26k
2020: €34k
2021: €55k
2022: €59k
2023: €15k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€65k▲ 2.5%€22k▼ 66.0%€26k▲ 17.0%€33k▲ 26.7%
Operating result€22k-€2k▼ 91.2%€8k▲ 308%€5k▼ 35.7%€10k▲ 83.2%
Net result€20k-€2k▼ 92.2%€7k▲ 329%€4k▼ 44.6%€7k▲ 83.8%
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 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €44k
Fixed assets
€4k ▼ 13.0%
Current assets
€40k ▲ 28.4%
Equity and liabilities €44k
Equity
€33k ▲ 26.7%
Debt
€11k ▲ 13.1%
Debt's share of the balance-sheet total falls from 27.2% to 25.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €7k
Cash flow
€9k▲
2024 · €6k
Current ratio
3.63▲
2024 · 3.24
Quick ratio
2.83▲
2024 · 2.31
Debt to equity
0.33▼
2024 · 0.37
ROE
21.1%▲
2024 · 14.5%
ROA
15.8%▲
2024 · 10.6%
Interest coverage
121.75▼
2024 · 128.90
Debt ≤ 1 year
€11k▲
2024 · €10k
Income taxes
€3k▲
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€35k€44k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€2k€2k▼
Current assets29/58€31k€40k▲
Stocks and contracts in progress3€9k€9k▼
Stocks30/36€9k€9k▼
Amounts receivable within one year40/41€2k€2k▼
Trade receivables40€627-
Other amounts receivable41€1k€2k▲
Current investments50/53€0€0=
Cash at bank and in hand54/58€17k€26k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€35k€44k▲
Equity10/15€26k€33k▲
Contributions10/11€19k€19k=
Reserves13€2k€9k▲
Distributable reserves133€2k€9k▲
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€10k€11k▲
Amounts payable within one year42/48€10k€11k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€6k€6k▼
Taxes450/3€6k€6k▼
Other amounts payable47/48€1k€4k▲
Accrued charges and deferred income492/3€126-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€215€270▲
Gross operating margin9900€7k€11k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€55€92▲
Recurring financial charges65€55€92▲
Profit (loss) for the period before taxes9903€5k€9k▲
Income taxes67/77€1k€3k▲
Profit (loss) for the period9904€4k€7k▲
Profit (loss) for the period to be appropriated9905€4k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€12k▲
Profit (loss) brought forward from the previous period14P€2k€5k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
The notes to these accounts (6 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 3.24
Current ratio from 1.28 to 3.24; short-term debt falls from €56k to €10k.
06-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Weakest financial yearnet €2k ▼92.2%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €20k ▲133%
Operating result €22k, net result €20k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 26.43
Current ratio from 6.16 to 26.43; short-term debt falls from €5k to €1k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
31-12
Financial
Liquidity quadruplescurrent ratio 6.16
Current ratio from 1.39 to 6.16; short-term debt falls from €29k to €5k.
Show earlier events
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bertrix · 1 establishment unit since 2002
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.
Rue de la Gare 886880 BertrixGround area
4,495 m²
Building footprint
78 m²
Volume, LiDAR
536 m³
Parcel 84009C0928/00A000, Wallonia · tallest building 19.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue de la Gare 88, 6880 Bertrix
since 20022.094.713.614
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84009C0928/00A000 | Wallonia | 4,495 m² | 1 · 78 m² | 19.4 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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Of 21,748 companies in sector 96210 we hold annual accounts for 2,833. 2,273 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2002
Fiscal year end31-12
Activities, NACEBEL 2025
96210Hairdressing and barber services
47750Retail sale of cosmetics and toilet articles
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.