Henrion Bertard
ActiveHenrion Bertard has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €100k. Equity is growing by ~97.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 13.25 against 7.54 in 2024), and 7.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
92.5%
Return on assets
49.8%
Age of the figures
8 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 14-04-2026, 108 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
108 d early
2024
42 d early
2023
28 d early
← before the deadline
after the deadline →
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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 117%
2024 · €86k
2023: €19k
2024: €86k
2023 → 2025
Total assets
€201k▲ 104%
2024 · €99k
2023: €95k
2024: €99k
2023 → 2025
Net result
€100k▲ 47.9%
2024 · €68k
2023: €18k
2024: €68k
2023 → 2025
Working capital
€185k▲ 118%
2024 · €85k
2023: €18k
2024: €85k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€19k-€86k▲ 357%€186k▲ 117%
Operating result€24k-€85k▲ 251%€127k▲ 49.8%
Net result€18k-€68k▲ 285%€100k▲ 47.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 50% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €201k
Fixed assets
€245▼ 55.9%
Current assets
€201k▲ 105%
Equity and liabilities €201k
Equity
€186k▲ 117%
Debt
€15k▲ 16.3%
The debt ratio falls from 13.2% to 7.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€127k▲
2024 · €85k
Cash flow
€100k▲
2024 · €68k
Solvency
92.5%▲
2024 · 86.8%
Current ratio
13.25▲
2024 · 7.54
Quick ratio
13.25▲
2024 · 7.54
Debt / equity
0.08▼
2024 · 0.15
ROE
53.9%▼
2024 · 79.1%
ROA
49.8%▼
2024 · 68.6%
Interest coverage
1695.17▲
2024 · 1155.92
Debt
€15k▲
2024 · €13k
Debt ≤ 1 year
€15k▲
2024 · €13k
Income taxes
€27k▲
2024 · €17k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€99k€201k▲
Fixed assets21/28€556€245▼
Tangible fixed assets22/27€556€245▼
Furniture and vehicles24€556€245▼
Current assets29/58€98k€201k▲
Amounts receivable within one year40/41€2k€5k▲
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€96k€196k▲
Deferred charges and accrued income490/1€140-
Equity and liabilities
Total equity and liabilities10/49€99k€201k▲
Equity10/15€86k€186k▲
Contributions10/11€2k€2k=
Reserves13€17k€17k=
Distributable reserves133€17k€17k=
Profit (loss) carried forward14€67k€167k▲
Amounts payable17/49€13k€15k▲
Amounts payable within one year42/48€13k€15k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€8k€9k▲
Other amounts payable47/48€5k€6k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€311€311=
Other operating charges640/8€387€400▲
Gross operating margin9900€85k€128k▲
Operating profit (loss)9901€85k€127k▲
Financial charges65/66B€74€75▲
Recurring financial charges65€74€75▲
Profit (loss) for the period before taxes9903€85k€127k▲
Income taxes67/77€17k€27k▲
Profit (loss) for the period9904€68k€100k▲
Profit (loss) for the period to be appropriated9905€68k€100k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€167k▲
Profit (loss) brought forward from the previous period14P-€67k
Profit to be distributed694/7€833-
Return on contributions (dividend)694€833-
The notes to these accounts (4 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
14-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €100k ▲47.9%
Operating result €127k, net result €100k, both a record.
31-12
Financial
Equity above €150kEq €186k ▲117%
3 profitable years in a row build equity to €186k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 6current ratio 7.54
Current ratio from 1.24 to 7.54; short-term debt falls from €76k to €13k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Etterbeek · 1 establishment unit since 2023
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.
Louis Hapstraat 2111040 EtterbeekGround area
76 m²
Building footprint
62 m²
Volume, LiDAR
1,014 m³
Parcel 21364B0172/00T005, Brussels · tallest building 19.1 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Henrion Bertard BV
since 20232.348.194.212
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21364B0172/00T005 | Brussels | 76 m² | 1 · 62 m² | 19.1 m · 6 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.
Similar companies · same sector, comparable size
GENNA CABINET
BE 0806.453.149
Elsene · Eq €186k
HI.P
BE 0846.705.575
Duffel · Eq €186k
TiGiCo
BE 1005.922.068
Schaarbeek · Eq €185k
MALYSSE LORI
BE 0834.463.581
Kuurne · Eq €186k
SPRL CABINET CASTRO ET AUBERT
BE 0840.459.864
Oudergem · Eq €186k
Of 22,018 companies in sector 69101 we hold annual accounts for 9,028. 7,387 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-08-2023
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.