Equity
€219,096 ▼ 6.7%
Bart Goens paid out €47,551 in dividends. That is 149% of the 2025 profit.
Bart Goens
Lifetime
14 annual accounts with figures on one time axisGross marginpeak €122,908 (2017)
€91,384▼ 3.9%
Resultlowest -€13,496 (2012)
€31,892▼ 37.6%
Equitypeak €341,964 (2019)
€219,096▼ 6.7%
Debts
€203,007▼ 16.4%
Board2 names since 2011
2 directorsCHARLIERS Sophie and 1 other
Owners
Documentsfilings and deeds
31-08-202631 days late
2025micro format
Result from €51,099 to €31,892Legal-form change · Resignations & appointments 05-11Dividend €47,551Debts from €242,937 to €203,007Investments €33,259Cash from €189,857 to €129,724
Key points
from the 2025 annual accountsInvestments
€33,259 1.8 × depreciation
Green is investment, beige is depreciation.
Filings
14 annual accounts since 2012
Eight of the last ten came late. The 2023 accounts came latest: 92 days after the end of the period.
Checked score
88
Excellent
Financially stronger than 55% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,692 companies (NACE 43, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.4%
01-2025: 0.3%▼ -0.1 percentage points vs 12-2024
02-2025: 0.3%● unchanged vs 01-2025
03-2025: 0.3%● unchanged vs 02-2025
04-2025: 0.4%▲ +0.1 percentage points vs 03-2025
05-2025: 0.4%● unchanged vs 04-2025
06-2025: 0.4%● unchanged vs 05-2025
07-2025: 0.4%● unchanged vs 06-2025
08-2025: 0.5%▲ +0.1 percentage points vs 07-2025
09-2025: 0.6%▲ +0.1 percentage points vs 08-2025highest value
10-2025: 0.3%▼ -0.3 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.4%▲ +0.1 percentage points vs 07-2026
09-2026: 0.2%▼ -0.2 percentage points vs 08-2026lowest value
10-2026: 0.2%● unchanged vs 09-2026lowest value
11-2026: 0.2%● unchanged vs 10-2026lowest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 31 days late; 3 of the last 3 accounts late
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 3.14, cash €129,724
Equity €219,096 (51.9% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 56% of them on solvency, 80% on liquidity, 56% on profitability and 27% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 34,693 companies had the same profile as Bart Goens has now. Each dot stands for 87 companies, two years later.
95.3%
were still trading
3.9%
stopped another way
0.7%
went bankrupt
That fits the bankruptcy probability of Bart Goens itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 34,693 companies, not a prediction for Bart Goens. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €19,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.14 (2.73 in 2024), above the usual 1.5. Short-term debt is 20% and cash 30.7% of total assets. 48.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 31 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
53 days late
2023
92 days late
2022
52 days late
2021
31 days late
2020
11 days early
2019
42 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 41 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 September (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
CS
CHARLIERS Sophie
Director, since 13-10-2011
GB
GOENS Bart
Director, since 21-01-2013
Recent changes
Legal-form change · Resignations & appointments
Legal-form conversion: to private limited company · Director in office: GOENS Bart · Director in office: CHARLIERS Sophie · General meeting of 29-10-2025 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0840355441
First establishment
Lijsterdreef 20, Lubbeek
Incorporation
published on 28-10-2011 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| Bart Goens Lubbeek | €422,103 | €91,384 | 51.9% | - |
| ZONE 16 Bertem | €440,650 | €78,944 | 90.1% | - |
| NAUWELAERTS DENNIS Puurs-Sint-Amands | €428,882 | €96,848 | 16.4% | - |
| Desauw Menen | €401,565 | €90,854 | 49.9% | - |
| Chauffage-Sanitaire LAUVAUX Fr. sprl Ottignies-Louvain-la-Neuve | €448,587 | €99,792 | 72.0% | - |
| JD TECHNICS Kortrijk | €410,568 | €78,442 | 58.5% | - |
| LAUREYNS-GENBRUGGE Kaprijke | €464,284 | €97,747 | 55.7% | - |
These companies have the same main activity as Bart Goens: plumbing work (NACE 43221). They are comparable in size and age: total assets between €402,000 and €464,000, founded between 2010 and 2012.
Official details
Source: KBO- Status
- Active since 13-10-2011Normal situation
- Activity
- Plumbing workNACE 43221and 5 others
- Establishment unit
- 2.205.235.0183210 Lubbeek, since 07-12-2011
- Financial year end
- 31 December
- Peppol
- Reachable since 24-09-2025
Annual accounts 2025
- Turnover
- ≈ €360,000estimated
- Total assets
- €422,103▼ 11.6%
- Filing
- Filed on 31-08-2026
Insights on Bart Goens
Bart Goens files the micro format. That format states no turnover. The gross margin rose from -€13,309 in 2012 to €91,384 in 2025.
The balance sheet grew most from 2014 to 2016 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Bart Goens
- What is the company number of Bart Goens?
- The company number of Bart Goens is 0840.355.441. The VAT number is the same number with BE in front: BE 0840.355.441.
- Where is Bart Goens based?
- The registered office is at Lijsterdreef 20, 3210 Lubbeek.Company details
- What does Bart Goens do?
- According to the KBO register, the main activity is plumbing work (NACE 43221).
- What is the legal form of Bart Goens?
- Bart Goens is a private limited company (BV).
- When was Bart Goens founded?
- Bart Goens was founded on 13-10-2011.
- Is Bart Goens still active?
- Yes, Bart Goens is an active enterprise in the KBO register.
- What is the turnover of Bart Goens?
- The turnover in financial year 2025 is ≈ €360,000. This figure is estimated from the gross margin of €91,384 and 106 comparable companies (NACE 432). It probably lies between €260,000 and €520,000.Financials
- Is Bart Goens profitable?
- In financial year 2025, Bart Goens made a profit of €31,892.
- Where can I find the annual accounts of Bart Goens?
- Bart Goens filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Bart Goens due?
- Bart Goens must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.