e-BERT CONCEPT
ActiveSummary
e-BERT CONCEPT has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €426. Equity is growing by ~25.5% per year across the filed fiscal years. Its solvency ranks better than 31% of 9494 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability69▼-11
Solvency57▼-13
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 1.56 in 2024; short-term debt: 42% and cash: 3.8% of total assets), and 68% of the assets are financed with debt.
Credit check 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% fewer bankruptcies
← 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
32%
Return on assets
0.2%
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 10-07-2026, 21 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
21 d early
2024
50 d early
2023
36 d early
2022
14 d early
2021
53 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 0.5%
2024 · €90k
Total assets
€282k▲ 42.3%
2024 · €198k
Net result
€426▼ 97.6%
2024 · €18k
Working capital
€18k▼ 29.7%
2024 · €26k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€34k-€25k▼ 27.7%€29k▲ 16.1%€24k▼ 16.5%€4k▼ 83.5%
Net result€28k-€22k▼ 23.0%€21k▼ 1.7%€18k▼ 15.2%€426▼ 97.6%
Equity€31k-€53k▲ 69.5%€72k▲ 36.5%€90k▲ 25.0%€90k▲ 0.5%
Total assets€59k-€247k▲ 318%€210k▼ 14.9%€198k▼ 5.7%€282k▲ 42.3%
Debt€28k-€194k▲ 592%€138k▼ 28.8%€108k▼ 21.7%€192k▲ 77.0%
Working capital€26k-€-15k€-5k▲ 67.1%€26k€18k▼ 29.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 83% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€145k ▲ 15.6%
Current assets
€137k ▲ 88.7%
Equity and liabilities €282k
Equity
€90k ▲ 0.5%
Debt
€192k ▲ 77.0%
Debt's share of the balance-sheet total rises from 54.7% to 68.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€36k▼
2024 · €47k
Cash flow
€33k▼
2024 · €41k
Current ratio
1.15▼
2024 · 1.56
Quick ratio
0.80▼
2024 · 1.30
Debt to equity
2.12▲
2024 · 1.21
ROE
0.5%▼
2024 · 20.0%
ROA
0.2%▼
2024 · 9.1%
Interest coverage
8.82▼
2024 · 14.30
Debt ≤ 1 year
€118k▲
2024 · €46k
Debt > 1 year
€73k▲
2024 · €62k
Income taxes
€-212▼
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €698 | €6k | €20k | €23k | €32k | ▲ 39.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €972 | - | - | - | - |
| Other operating charges640/8 | €276 | €318 | €310 | €780 | €592 | ▼ 24.1% |
| Gross operating margin9900 | €35k | €32k | €50k | €48k | €37k | ▼ 23.5% |
| Operating profit (loss)9901 | €34k | €25k | €29k | €24k | €4k | ▼ 83.5% |
| Financial income75/76B | €3k | €2k | €1k | €1k | €324 | ▼ 74.4% |
| Recurring financial income75 | €3k | €2k | €1k | €1k | €324 | ▼ 74.4% |
| Financial charges65/66B | €91 | €1k | €4k | €3k | €4k | ▲ 24.1% |
| Recurring financial charges65 | €91 | €1k | €4k | €3k | €4k | ▲ 24.1% |
| Profit (loss) for the period before taxes9903 | €37k | €26k | €26k | €22k | €214 | ▼ 99.0% |
| Income taxes67/77 | €9k | €4k | €5k | €4k | €-212 | ▼ 105% |
| Profit (loss) for the period9904 | €28k | €22k | €21k | €18k | €426 | ▼ 97.6% |
| Profit (loss) for the period to be appropriated9905 | €28k | €22k | €21k | €18k | €426 | ▼ 97.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €59k | €247k | €210k | €198k | €282k | ▲ 42.3% |
| Fixed assets21/28 | €5k | €149k | €143k | €126k | €145k | ▲ 15.6% |
| Tangible fixed assets22/27 | €5k | €149k | €143k | €126k | €145k | ▲ 15.6% |
| Land and buildings22 | - | €88k | €86k | €82k | €77k | ▼ 5.4% |
| Plant, machinery and equipment23 | - | €2k | €3k | €5k | €11k | ▲ 109% |
| Furniture and vehicles24 | €5k | €59k | €54k | €39k | €30k | ▼ 23.1% |
| Leasing and similar rights25 | - | - | - | - | €27k | - |
| Financial fixed assets28 | €44 | €44 | €44 | €44 | €44 | = |
| Current assets29/58 | €54k | €97k | €67k | €72k | €137k | ▲ 88.7% |
| Stocks and contracts in progress3 | - | - | €8k | €12k | €42k | ▲ 244% |
| Stocks30/36 | - | - | €8k | €12k | €22k | ▲ 79.4% |
| Contracts in progress37 | - | - | - | - | €20k | - |
| Amounts receivable within one year40/41 | €41k | €93k | €55k | €46k | €84k | ▲ 82.3% |
| Trade receivables40 | €39k | €93k | €50k | €43k | €79k | ▲ 84.4% |
| Other amounts receivable41 | €2k | - | €4k | €3k | €5k | ▲ 54.6% |
| Cash at bank and in hand54/58 | €13k | €4k | €5k | €13k | €11k | ▼ 18.1% |
| Deferred charges and accrued income490/1 | - | - | €265 | €1k | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €59k | €247k | €210k | €198k | €282k | ▲ 42.3% |
| Equity10/15 | €31k | €53k | €72k | €90k | €90k | ▲ 0.5% |
| Contributions10/11 | €3k | €3k | €3k | €3k | €3k | = |
| Reserves13 | - | €10k | €10k | €10k | €10k | = |
| Distributable reserves133 | - | €10k | €10k | €10k | €10k | = |
| Profit (loss) carried forward14 | €28k | €40k | €59k | €77k | €77k | ▲ 0.6% |
| Amounts payable17/49 | €28k | €194k | €138k | €108k | €192k | ▲ 77.0% |
| Amounts payable after more than one year17 | - | €70k | €66k | €62k | €73k | ▲ 18.4% |
| Financial debts170/4 | - | €70k | €66k | €62k | €73k | ▲ 18.4% |
| Amounts payable within one year42/48 | €28k | €112k | €72k | €46k | €118k | ▲ 155% |
| Current portion of amounts payable after more than one year42 | - | €4k | €4k | €4k | €13k | ▲ 211% |
| Trade debts44 | €13k | €47k | €23k | €12k | €32k | ▲ 175% |
| Suppliers440/4 | €13k | €47k | €23k | €12k | €32k | ▲ 175% |
| Taxes, remuneration and social security45 | €9k | €20k | €6k | €1k | €19k | ▲ 1,619% |
| Taxes450/3 | €9k | €17k | €6k | €1k | €7k | ▲ 512% |
| Remuneration and social security454/9 | - | €3k | - | - | €12k | - |
| Other amounts payable47/48 | €6k | €42k | €38k | €30k | €55k | ▲ 85.7% |
| Accrued charges and deferred income492/3 | - | €12k | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €28k | €22k | €21k | €18k | €426 | ▼ 97.6% |
| + Depreciation and write-downs630 | €698 | €6k | €20k | €23k | €32k | ▲ 39.2% |
| Operating cash flow (approximation) | €29k | €27k | €42k | €41k | €33k | ▼ 20.7% |
| Investment in fixed assets (approximation) | - | €-150k | €-14k | €-6k | €-52k | ▼ 755% |
| Change in cash | - | €-9k | €818 | €8k | €-2k | ▼ 129% |
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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €426 ▼97.6%
Net result drops to €426, the lowest in the series.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-06
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.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Nandrin · 1 establishment unit since 2020
Ground area
210 m²
Building footprint
124 m²
Parcel 61069C0003/02C000, Wallonia. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
e-BERT CONCEPT
since 20202.311.660.745
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61069C0003/02C000 | Wallonia | 210 m² | 1 · 124 m² | - |
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.
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Of 11,571 companies in sector 71121 we hold annual accounts for 6,561. 5,215 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
Founded04-12-2020
Fiscal year end31-12
Activities, NACEBEL 2025
71121Engineering and related technical consultancy, excluding land surveyors
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
42990Civil engineering
43211General electrical installation work
43212Electrical installation work in industrial facilities
43990Other specialised construction activities
46130Agents in the wholesale of timber and building materials
46610Wholesale trade
46831Wholesale of construction materials, general range
47120Other non-specialised retail sale
68121Development of residential building projects
68122Development of non-residential building projects
Scores and ratios are computed by Checked and are not a credit decision.