Active BE 0878.084.580Private limited company

François BERTRAND

Rue de la Croix-Gabriel 32 ·1400 Nivelles, Belgium· 20 yrs active

Sector: Activiteiten van landmeters-experts (71122)

Conclusion Checked

The computed 12-month bankruptcy probability of François BERTRAND is 0.3% (very low). The 2024 annual accounts show negative equity (€-3k) and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 8% of 3380 sector peers (fiscal year 2024). The company has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Key figures

Equity	€-3k
Net result	€8k
Better than sector	8%
Active	20 yrs

Snowflake analysis 5 of 5 axes measured · computed by Checked

45 / 100

Mixed profile: strong on stability, weaker on profitability.

All 5 axes are computed from data Checked has read.

Health 16

Profitability 0

Solvency 33

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Annual accounts: weaker financial profile +Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Long-established

Founded in 2005, 20 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags 0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer FY 2024 · computed

16 / 100 Critical

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 03-06-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~36% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	-5.4%	55.1%	better than 8% of 3380 sector peers
Net result	€8k	€19k	better than 33% of 3380 sector peers
Equity	€-3k	€45k	better than 7% of 3382 sector peers
Gross operating margin	€15k	€38k	better than 25% of 3377 sector peers
Total assets	€58k	€95k	better than 30% of 3381 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

EBITDA

€14k

+19.6% 18-24

Net profit

€8k

+18.2% 18-24

Cash flow

€9k

+3.8% 18-24

Total assets

€58k

+442.3% 18-24

Equity

€-3k

+71.8% 18-24

Working capital

€-16k

-23.4% 18-24

Staff costs

€3k

- 18-24

Income taxes

€3k

+148.9% 18-24

Debt

€61k

+179.6% 18-24

Debt ≤ 1y

€31k

+41.9% 18-24

Debt > 1y

€30k

+885.7% 18-24

Current ratio

0.50

+17.9% 18-24

Quick ratio

0.50

+17.9% 18-24

Solvency

-5.4%

+94.8% 18-24

Debt / equity

-19.38

-890.2% 18-24

ROE

-254.1%

-318.6% 18-24

ROA

13.8%

-78.2% 18-24

Interest coverage

9.26

+20.1% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€14k
Net profit	€8k
Cash flow	€9k
Staff costs	-
Income taxes	€3k
Dividends	-
Total assets	€58k
Equity	€-3k
Debt	€61k
of which ≤ 1y	€31k
of which > 1y	€30k
Working capital	€-16k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	0.50
Quick ratio	0.50
Working capital ratio	-26.9%
Solvency	-5.4%
Debt / equity	-19.38
Long-term debt ratio	-9.55
Interest coverage	9.26
Gross margin	-
Net margin	-
ROA	13.8%
ROE	-254.1%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €42k · 73.4% Current assets €15k · 26.6%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€58k
Fixed assets	21/28	€42k
Tangible fixed assets	22/27	€42k
Current assets	29/58	€15k
Amounts receivable within one year	40/41	€7k
Cash & bank	54/58	€8k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€58k
Equity	10/15	€-3k
Contributions / capital	10/11	€19k
Reserves	13	€43k
Accumulated profits (losses)	14	€-65k
Amounts payable	17/49	€61k
Amounts payable after one year	17	€30k
Amounts payable within one year	42/48	€31k
Trade debts payable within one year	44	€4k
Income statement
Gross operating margin	9900	€15k
Operating result	9901	€13k
Financial income	75	€114
Financial charges	65	€2k
Result before taxes	9903	€11k
Income taxes	67/77	€3k
Net result for the period	9904	€8k
Result to be appropriated	9905	€8k

You're seeing the latest fiscal year only. Unlock 4 prior years (figures + ratios) with a paid plan. See plans →

Ratios computed by Checked.

Legal Structure

NACE primary	Activiteiten van landmeters-experts(71122)
Legal form	Private limited company(610)
Incorporation	07-12-2005
Status	Active
Postal code	1400

Updates 11 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025

03-06-2025

NBB filing Annual accounts filed

fiscal year 2024 · micro

2024

04-06-2024

NBB filing Annual accounts filed

fiscal year 2023 · micro

2023

30-11-2023

State Gazette act Director changes

François Noé

21-08-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

2022

26-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · micro

2021

30-06-2021

NBB filing Annual accounts filed

fiscal year 2020 · micro

2020

12-08-2020

NBB filing Annual accounts filed

fiscal year 2019 · micro

2019

29-08-2019

NBB filing Annual accounts filed

fiscal year 2018 · micro

2018

29-08-2018

NBB filing Annual accounts filed

fiscal year 2017 · micro

2017

28-08-2017

NBB filing Annual accounts filed

fiscal year 2016 · micro

2016

12-08-2016

NBB filing Annual accounts filed

fiscal year 2015 · volledig

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2023

30-11-2023 Change in the board of directors Director changes·François Noé

Notary: François Noé · NivellesFirm: François NOE & Gaëtan LEMAIRE, Notaires associés

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

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Company registry (CBE) Crossroads Bank

Activities

Landmeters71122Activiteiten van landmeters-experts71122Landmeters74202

Primary activity highlighted.

Names & trade names

Legal nameFR

François BERTRAND

Registered office

Rue de la Croix-Gabriel 32

1400 Nivelles, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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