ETS. BERGHMANS THOMAS
ActiveSummary
ETS. BERGHMANS THOMAS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €-60k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-84
Solvency82▼-5
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 2.66 in 2024; short-term debt: 37.3% and cash: 64.2% of total assets), and 42.6% of the assets are financed with debt.
Credit check for your own amount and term
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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
57.4%
Return on assets
-35.8%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 30-11-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 d late
2023
2 d early
2022
3 d early
2021
12 d late
2020
4 d early
2019
2 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 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close24-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▼ 38.4%
2024 · €156k
2019: €104k
2020: €70k
2021: €70k
2022: €116k
2023: €127k
2024: €156k
2019 → 2025
Total assets
€168k▼ 33.0%
2024 · €251k
2019: €124k
2020: €91k
2021: €145k
2022: €209k
2023: €186k
2024: €251k
2019 → 2025
Net result
€-60k
2024 · €30k
2019: €-9k
2020: €-33k
2021: €410
2022: €47k
2023: €12k
2024: €30k
2019 → 2025
Working capital
€79k▼ 41.2%
2024 · €135k
2019: €87k
2020: €61k
2021: €62k
2022: €109k
2023: €120k
2024: €135k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€116k▲ 66.1%€127k▲ 10.0%€156k▲ 22.9%€96k▼ 38.4%
Operating result€408-€54k▲ 13,103%€17k▼ 67.7%€43k▲ 147%€-60k
Net result€410-€47k▲ 11,327%€12k▼ 73.6%€30k▲ 142%€-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 €60k after €43k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €168k
Fixed assets
€26k ▼ 24.3%
Current assets
€142k ▼ 34.4%
Equity and liabilities €168k
Equity
€96k ▼ 38.4%
Debt
€72k ▼ 24.1%
Debt's share of the balance-sheet total rises from 37.6% to 42.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-50k▼
2024 · €51k
Cash flow
€-51k▼
2024 · €38k
Current ratio
2.27▼
2024 · 2.66
Debt to equity
0.74▲
2024 · 0.60
ROE
-62.4%▼
2024 · 19.1%
ROA
-35.8%▼
2024 · 11.9%
Interest coverage
-143.13▼
2024 · 26.27
Debt ≤ 1 year
€63k▼
2024 · €81k
Debt > 1 year
€9k▼
2024 · €13k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€251k€168k▼
Fixed assets21/28€34k€26k▼
Tangible fixed assets22/27€34k€26k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€31k€23k▼
Financial fixed assets28€413€413=
Current assets29/58€216k€142k▼
Amounts receivable within one year40/41€22k€31k▲
Trade receivables40€19k€25k▲
Other amounts receivable41€3k€6k▲
Cash at bank and in hand54/58€192k€108k▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€251k€168k▼
Equity10/15€156k€96k▼
Contributions10/11€36k€36k=
Reserves13€120k€93k▼
Non-distributable reserves130/1€4k€4k=
Reserves not available under the articles1311€4k€4k=
Distributable reserves133€117k€89k▼
Profit (loss) carried forward14€281€-32k▼
Amounts payable17/49€94k€72k▼
Amounts payable after more than one year17€13k€9k▼
Financial debts170/4€13k€9k▼
Amounts payable within one year42/48€81k€63k▼
Current portion of amounts payable after more than one year42€4k€4k▲
Trade debts44€16k€8k▼
Suppliers440/4€16k€8k▼
Advances received on contracts in progress46€6k€10k▲
Taxes, remuneration and social security45€11k€240▼
Taxes450/3€11k€240▼
Other amounts payable47/48€44k€40k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€9k▲
Other operating charges640/8€788€185▼
Gross operating margin9900€52k€-50k▼
Operating profit (loss)9901€43k€-60k▼
Financial income75/76B€26€0▼
Recurring financial income75€26€0▼
Financial charges65/66B€2k€352▼
Recurring financial charges65€2k€352▼
Profit (loss) for the period before taxes9903€41k€-60k▼
Income taxes67/77€11k-
Profit (loss) for the period9904€30k€-60k▼
Profit (loss) for the period to be appropriated9905€30k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€-60k▼
Profit (loss) brought forward from the previous period14P€281€281=
Transfer from equity791/2€800€28k▲
Transfer to equity691/2€30k-
To other reserves6921€30k-
Profit to be distributed694/7€800-
Return on contributions (dividend)694€800-
The notes to these accounts (7 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
29-07
State Gazette act
Resignation: BERGHMANS Thomas (manager)Appointment: BERGHMANS Thomas (non-statutory director) · Name change · Purpose change13 facts ▸
State Gazette act
Resignation: BERGHMANS Thomas (manager)
Appointment: BERGHMANS Thomas (non-statutory director) · Name change · Purpose change13 facts ▸
- General meeting, 27 juli 2026
- Name change, Maison BerNaTho
- Purpose change, Alle activiteiten verband houdende met ambachtelijke, artistieke, creatieve, educatieve en recreatieve activiteiten, met inbegrip van de vervaardiging, verkoop,…
- Statutes amendment
- Capital, €39.380
- Reserve release, Statutory unavailable equity account cancelled and made available for distribution.
- Director resignation, BERGHMANS Thomas (manager)
- Director appointment, BERGHMANS Thomas (non-statutory director)
- Mandate compensation, BERGHMANS Thomas
- Director discharge, BERGHMANS Thomas
- Power of attorney, BERGHMANS Thomas
- Shares issued, 179
- +1 further facts in this act
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-04
Financial
Weakest financial yearnet €-60k ▼301%
Net result drops to €-60k, the lowest in the series.
2024
03-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 3 days late
30-04
Financial
Equity above €150kEq €156k ▲22.9%
4 profitable years in a row build equity to €156k.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-04
Financial
Highest result since 2019net €47k ▲11327%
Operating result €54k, net result €47k, both a record.
30-04
Financial
Equity above €100kEq €116k ▲66.1%
2 profitable years in a row build equity to €116k.
2021
12-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
30-04
Financial
Back to profitnet €410
Net result €410 after 2 loss-making years.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
29-07-2026
Resigned as Manager
27-07-2026
Appointed as Non-statutory director
Location & real-estate footprint
Registered office, Sint-Genesius-Rode · 1 establishment unit since 2007
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.
Dreef 11640 Sint-Genesius-RodeGround area
329 m²
Building footprint
293 m²
Volume, LiDAR
2,019 m³
Parcel 22004C0849/02D000, Flanders · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TOITURE BERGHMANS
since 20072.163.187.892
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0849/02D000 | Flanders | 329 m² | 1 · 293 m² | 13.0 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.
Articles of association
Purpose
De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, zowel voor eigen rekening als voor rekening van derden of met medewerking van derden : - het uitvoeren…
Full purpose
De vennootschap heeft tot voorwerp, zowel in België als in het buitenland, zowel voor eigen rekening als voor rekening van derden of met medewerking van derden : - het uitvoeren van allerlei dakwerken... - alle isolatiewerkzaamheden... - het onderhouden, reinigen, verfraaien en renoveren van gevels... - alle werkzaamheden in verband met schrijnwerkerij... I. - het ontwerpen, het aanleggen, het onderhouden van tuinen... - het uitvoeren van grond- en graafwerken... - het plaatsen van terrassen... - het uitvoeren van snoeiwerk... - het ontwerpen, de constructie en het plaatsen van pergola’s... - het aankopen en verkopen van bloemen... - het uitbaten van een kwekerij... - het aankopen, verkopen, verhuren... van machines... - het aankopen, verhuren... van containers... - de aankoop, de verkoop... van spiegels, glas... - aankoop, verkoop, huur... van caravans... II. - de aankoop, verkoop, en verhuur van onroerende goederen... - restauratiewerken... - ontwerpen, vervaardigen en oprichten van houtconstructies... - het oprichten van bouwwerken... - De algemene bouwonderneming... - Alle mogelijke verrichtingen die rechtstreeks of onrechtstreeks verband houden met het onderhoud... - De aankoop, de verkoop... van alle mogelijke materialen... III. Alle activiteiten verband houdende met ambachtelijke, artistieke, creatieve, educatieve en recreatieve activiteiten... Zij kan alle bestuursmandaten... aanvaarden... Zij kan, alle roerende, onroerende... verrichtingen doen...
Structure & network
Capital and shareholders
Capital over the years
- 29-07-2026 Capital stated in the act · 39,380 EUR
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ATELIER CHENOY
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VHLM
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Of 20,024 companies in sector 43320 we hold annual accounts for 9,135. 7,698 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
Founded06-06-2007
Fiscal year end30-04
Legal name NL
Maison BerNaTho
Abbreviation NL
BerNaTho
Activities, NACEBEL 2025
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.