Dries BERTRAND
ActiveDries BERTRAND has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €-60k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 21% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability7▼-93
Solvency37▼-59
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days only on tighter terms
Liquidity ample (current ratio 1.58 against 2.84 in 2024; short-term debt: 59.1% and cash: 2.8% of total assets), but 87.8% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
12.2%
Return on assets
-9.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 7697 sector peers (2025).
NBB · sector comparisonPosition among 7697 sector peers
Solvency
better than 21%
← weakest
strongest →
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 12-02-2026, 77 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
77 d early
2024
79 d early
2023
41 d early
2022
39 d early
2021
136 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€79k▼ 61.3%
2024 · €205k
2021: €16k
2022: €92k
2023: €180k
2024: €205k
2021 → 2025
Total assets
€651k▲ 125%
2024 · €289k
2021: €47k
2022: €120k
2023: €198k
2024: €289k
2021 → 2025
Net result
€-60k
2024 · €77k
2021: €22k
2022: €76k
2023: €130k
2024: €77k
2021 → 2025
Working capital
€222k▲ 44.2%
2024 · €154k
2021: €16k
2022: €46k
2023: €133k
2024: €154k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€92k▲ 479%€180k▲ 97.0%€205k▲ 13.6%€79k▼ 61.3%
Operating result€30k-€98k▲ 224%€168k▲ 71.2%€103k▼ 38.8%€-53k
Net result€22k-€76k▲ 247%€130k▲ 71.1%€77k▼ 40.3%€-60k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €53k after €103k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €651k
Fixed assets
€44k▼ 13.9%
Current assets
€607k▲ 155%
Equity and liabilities €651k
Equity
€79k▼ 61.3%
Debt
€572k▲ 580%
The debt ratio rises from 29.1% to 87.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-39k▼
2024 · €108k
Cash flow
€-46k▼
2024 · €83k
Solvency
12.2%▼
2024 · 70.9%
Current ratio
1.58▼
2024 · 2.84
Quick ratio
1.58▼
2024 · 2.84
Debt / equity
7.22▲
2024 · 0.41
ROE
-75.3%▼
2024 · 37.8%
ROA
-9.2%▼
2024 · 26.8%
Interest coverage
-2.37▼
2024 · 73.23
Debt
€572k▲
2024 · €84k
Debt ≤ 1 year
€385k▲
2024 · €84k
Debt > 1 year
€178k
Income taxes
€194▼
2024 · €24k
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€289k€651k▲
Fixed assets21/28€51k€44k▼
Tangible fixed assets22/27€51k€44k▼
Land and buildings22€37k€30k▼
Furniture and vehicles24€14k€14k▼
Current assets29/58€238k€607k▲
Amounts receivable after more than one year29-€366k
Other amounts receivable291-€366k
Amounts receivable within one year40/41€22k€39k▲
Trade receivables40€9k€0▼
Other amounts receivable41€13k€39k▲
Current investments50/53€100k€174k▲
Cash at bank and in hand54/58€113k€19k▼
Deferred charges and accrued income490/1€3k€10k▲
Equity and liabilities
Total equity and liabilities10/49€289k€651k▲
Equity10/15€205k€79k▼
Contributions10/11€15k€15k=
Reserves13€190k€64k▼
Distributable reserves133€190k€64k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€84k€572k▲
Amounts payable after more than one year17-€178k
Financial debts170/4-€178k
Amounts payable within one year42/48€84k€385k▲
Current portion of amounts payable after more than one year42-€32k
Financial debts43€73k€300k▲
Other loans439€73k€300k▲
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Advances received on contracts in progress46€694€0▼
Taxes, remuneration and social security45€0€2k▲
Taxes450/3€0€2k▲
Other amounts payable47/48€0€47k▲
Accrued charges and deferred income492/3€458€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€13k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€110k€-37k▼
Operating profit (loss)9901€103k€-53k▼
Financial income75/76B€1€10k▲
Recurring financial income75€1€10k▲
Financial charges65/66B€1k€17k▲
Recurring financial charges65€1k€17k▲
Profit (loss) for the period before taxes9903€101k€-59k▼
Income taxes67/77€24k€194▼
Profit (loss) for the period9904€77k€-60k▼
Profit (loss) for the period to be appropriated9905€77k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€77k€-60k▼
Transfer from equity791/2€53k€126k▲
Transfer to equity691/2€77k€0▼
To other reserves6921€77k€0▼
Profit to be distributed694/7€53k€66k▲
Return on contributions (dividend)694€53k€66k▲
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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-60k ▼177%
Net result drops to €-60k, the lowest in the series.
10-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €205k ▲13.6%
4 profitable years in a row build equity to €205k.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €130k ▲71.1%
Operating result €168k, net result €130k, both a record.
30-09
Financial
Liquidity triplescurrent ratio 8.72
Current ratio from 2.62 to 8.72; short-term debt falls from €28k to €17k.
30-09
Financial
Equity above €150kEq €180k ▲97%
3 profitable years in a row build equity to €180k.
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
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, Grimbergen · 1 establishment unit since 2020
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.
Vilvoordsesteenweg 901850 GrimbergenGround area
265 m²
Building footprint
69 m²
Volume, LiDAR
523 m³
Parcel 23402E0402/00G019, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Dries BERTRAND
since 20202.307.149.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23402E0402/00G019 | Flanders | 265 m² | 1 · 69 m² | 11.2 m · 3 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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KZ Concepts
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ADMOSPHERE
BE 0878.859.392
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MARSTA - Mariën Services Technology Art
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,397. 7,137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2020
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:dbertrand@deloitte.com