FERME DE BERTINCHAMPS
ActiveSummary
FERME DE BERTINCHAMPS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.93M and a net result of €16k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 422 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-3
Solvency62▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity short (current ratio 0.83 against 0.82 in 2024; short-term debt: 33.8% and cash: 2.8% of total assets), and 62.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 93
Relative position
BE, all sectors
reference
Sector 93
lower
← 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
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
37.4%
Return on assets
0.3%
Age of the figures
12 mo
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 22-04-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
1 d early
2023
on the day
2022
2 d late
2021
2 d early
2020
11 d early
2019
1 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k▼ 88.6%
2024 · €142k
2018: €127k
2019: €272k
2020: €84k
2021: €121k
2022: €101k
2023: €117k
2024: €142k
2018 → 2025
Working capital
€-297k▲ 6.0%
2024 · €-315k
2018: €-104k
2019: €-39k
2020: €95k
2021: €-198k
2022: €-148k
2023: €-186k
2024: €-315k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.59M-€1.69M▲ 6.2%€1.82M▲ 7.5%€1.94M▲ 6.6%€1.93M▼ 0.2%
Operating result€178k-€158k▼ 11.7%€159k▲ 0.8%€189k▲ 18.7%€47k▼ 75.3%
Net result€121k-€101k▼ 16.3%€117k▲ 15.4%€142k▲ 21.7%€16k▼ 88.6%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.17M
Fixed assets
€3.72M ▼ 7.1%
Current assets
€1.45M ▲ 2.2%
Equity and liabilities €5.17M
Equity
€1.93M ▼ 0.2%
Debt
€3.24M ▼ 7.2%
Debt's share of the balance-sheet total falls from 64.3% to 62.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€448k▼
2024 · €575k
Cash flow
€418k▼
2024 · €528k
Current ratio
0.83▲
2024 · 0.82
Quick ratio
0.58▲
2024 · 0.55
Debt to equity
1.67▼
2024 · 1.80
ROE
0.8%▼
2024 · 7.3%
ROA
0.3%▼
2024 · 2.6%
Interest coverage
9.29▼
2024 · 10.92
Debt ≤ 1 year
€1.75M▲
2024 · €1.74M
Debt > 1 year
€1.49M▼
2024 · €1.75M
Income taxes
€3k▼
2024 · €15k
Staff costs
€648k▲
2024 · €638k
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 · 62 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.43M€5.17M▼
Fixed assets21/28€4.01M€3.72M▼
Intangible fixed assets21€17k€14k▼
Tangible fixed assets22/27€3.97M€3.69M▼
Land and buildings22€1.78M€1.76M▼
Plant, machinery and equipment23€1.65M€1.41M▼
Furniture and vehicles24€94k€68k▼
Leasing and similar rights25€450k€443k▼
Financial fixed assets28€27k€25k▼
Current assets29/58€1.42M€1.45M▲
Stocks and contracts in progress3€469k€441k▼
Stocks30/36€469k€441k▼
Amounts receivable within one year40/41€780k€825k▲
Trade receivables40€777k€805k▲
Other amounts receivable41€3k€21k▲
Cash at bank and in hand54/58€134k€145k▲
Deferred charges and accrued income490/1€37k€40k▲
Equity and liabilities
Total equity and liabilities10/49€5.43M€5.17M▼
Equity10/15€1.94M€1.93M▼
Contributions10/11€423k€423k=
Capital10€423k€423k=
Issued capital100€423k€423k=
Reserves13€1.10M€1.12M▲
Non-distributable reserves130/1€42k€42k=
Legal reserve130€42k€42k=
Distributable reserves133€1.06M€1.07M▲
Profit (loss) carried forward14€180k€180k=
Investment grants15€236k€215k▼
Amounts payable17/49€3.49M€3.24M▼
Amounts payable after more than one year17€1.75M€1.49M▼
Financial debts170/4€1.75M€1.49M▼
Amounts payable within one year42/48€1.74M€1.75M▲
Current portion of amounts payable after more than one year42€405k€360k▼
Financial debts43€17k€96k▲
Credit institutions430/8€17k€96k▲
Trade debts44€779k€756k▼
Suppliers440/4€779k€756k▼
Taxes, remuneration and social security45€144k€141k▼
Taxes450/3€39k€33k▼
Remuneration and social security454/9€106k€108k▲
Other amounts payable47/48€391k€394k▲
Accrued charges and deferred income492/3€8k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€3k€14k▲
Remuneration, social security and pensions62€638k€648k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€386k€402k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-910€5k▲
Other operating charges640/8€206k€261k▲
Gross operating margin9900€1.42M€1.36M▼
Operating profit (loss)9901€189k€47k▼
Financial income75/76B€21k€21k▼
Recurring financial income75€21k€21k▼
Financial charges65/66B€53k€48k▼
Recurring financial charges65€53k€48k▼
Profit (loss) for the period before taxes9903€157k€19k▼
Income taxes67/77€15k€3k▼
Profit (loss) for the period9904€142k€16k▼
Profit (loss) for the period to be appropriated9905€142k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€322k€196k▼
Profit (loss) brought forward from the previous period14P€180k€180k=
Transfer to equity691/2€142k€16k▼
To other reserves6921€142k€16k▼
Social balance
Average headcount (FTE)908711.411.5▲
The notes to these accounts (30 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Weakest financial yearnet €16k ▼88.6%
Net result drops to €16k, the lowest in the series.
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 2 days late
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
19-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Highest result since 2018net €272k ▲115%
Operating result €367k, net result €272k, both a record.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Gembloux · 1 establishment unit since 1994
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 Bertinchamps,Gd-M. 45030 GemblouxGround area
1.8 ha
Parcel 92255A0084/00E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Bertinchamps,Gd-M. 4, 5030 Gembloux
since 19942.064.998.059
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92255A0084/00E000 | Wallonia | 1.8 ha | - | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGembloux2.064.998.059
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Of 3,292 companies in sector 93110 we hold annual accounts for 1,495. 690 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 formPublic limited company
Founded26-10-1993
Fiscal year end30-09
Activities, NACEBEL 2025
11050Manufacture of beer
93110Operation of sports facilities
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.