Jens Bertouille

Active

Private limited companyfounded 20179 yrs activeLangeveldstraat 123, 1745 Opwijk, BelgiumKBO/BCE: BE 0677.877.867

The computed 12-month bankruptcy probability of Jens Bertouille is 1.6% (moderate). The 2024 annual accounts show equity of €478k and a net result of €113k. Equity is growing by ~31.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 2090 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

56 / 100

Fair

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability80=

Solvency63▲+8

Growth78=

Track record100

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €25k at 30 days only on tighter terms

Liquidity tight (current ratio 1.44 against 1.27 in 2023; short-term debt: 61.4% and cash: 0.4% of total assets), and 61.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Four signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 10

Relative position

BE, all sectors

reference

Sector 10

higher

← fewer bankruptcies more bankruptcies →

Filed more than 90 days late

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-02-2026, 207 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.

NBB · 6 filings

Deviation from the deadline

2025

not confirmed

2024

207 d late

2023

68 d late

2022

4 d early

2021

11 d late

2020

1 d late

2018

3 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€478k▲ 30.7%

2023 · €366k

2020: €159k 2021: €190k 2022: €286k 2023: €366k

2020 → 2024

Total assets

€1.26M▲ 4.2%

2023 · €1.20M

2020: €613k 2021: €745k 2022: €977k 2023: €1.20M

2020 → 2024

Net result

€113k▲ 7.1%

2023 · €105k

2020: €66k 2021: €31k 2022: €96k 2023: €105k

2020 → 2024

Working capital

€340k▲ 56.1%

2023 · €218k

2020: €95k 2021: €124k 2022: €181k 2023: €218k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€159k-€190k▲ 19.3%€286k▲ 50.5%€366k▲ 28.0%€478k▲ 30.7%

Operating result€92k-€22k▼ 76.0%€130k▲ 491%€167k▲ 28.4%€163k▼ 2.5%

Net result€66k-€31k▼ 53.6%€96k▲ 212%€105k▲ 9.5%€113k▲ 7.1%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2024; 2024 is 3% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €1.26M

12%

88.4%

Fixed assets €146k▼ 15.7%

Current assets €1.11M▲ 7.6%

Equity and liabilities €1.26M

38.1%

61.9%

Equity €478k▲ 30.7%

Debt €778k▼ 7.3%

The debt ratio falls from 69.6% to 61.9%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€194k▼

2023 · €196k

Cash flow

€143k▲

2023 · €134k

Solvency

38.1%▲

2023 · 30.4%

Current ratio

1.44▲

2023 · 1.27

Quick ratio

1.44▲

2023 · 1.27

Debt / equity

1.63▼

2023 · 2.29

ROE

23.5%▼

2023 · 28.7%

ROA

9.0%▲

2023 · 8.7%

Interest coverage

24.97▼

2023 · 33.08

Debt

€778k▼

2023 · €839k

Debt ≤ 1 year

€771k▼

2023 · €815k

Debt > 1 year

€7k▼

2023 · €20k

Income taxes

€43k▼

2023 · €57k

Staff costs

€30k▼

2023 · €51k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€1.20M€1.26M▲

Fixed assets21/28€173k€146k▼

Tangible fixed assets22/27€172k€145k▼

Land and buildings22€4k€4k▼

Plant, machinery and equipment23€145k€122k▼

Furniture and vehicles24€2k€2k▼

Leasing and similar rights25€20k€18k▼

Financial fixed assets28€747€750▲

Current assets29/58€1.03M€1.11M▲

Amounts receivable within one year40/41€1.01M€1.10M▲

Trade receivables40€81k€131k▲

Other amounts receivable41€934k€973k▲

Cash at bank and in hand54/58€17k€5k▼

Deferred charges and accrued income490/1€710€2k▲

Equity and liabilities

Total equity and liabilities10/49€1.20M€1.26M▲

Equity10/15€366k€478k▲

Contributions10/11€13k€13k=

Outside capital11€13k€13k=

Other1109/19€13k€13k=

Reserves13€52k€52k=

Distributable reserves133€52k€52k=

Profit (loss) carried forward14€302k€414k▲

Amounts payable17/49€839k€778k▼

Amounts payable after more than one year17€20k€7k▼

Financial debts170/4€20k€7k▼

Amounts payable within one year42/48€815k€771k▼

Current portion of amounts payable after more than one year42€19k€12k▼

Financial debts43€20k€2k▼

Credit institutions430/8€20k€2k▼

Trade debts44€660k€630k▼

Suppliers440/4€660k€630k▼

Taxes, remuneration and social security45€84k€107k▲

Taxes450/3€74k€103k▲

Remuneration and social security454/9€10k€4k▼

Other amounts payable47/48€31k€20k▼

Accrued charges and deferred income492/3€5k€284▼

Income statement Code20232024

Non-recurring operating income76A-€5k

Remuneration, social security and pensions62€51k€30k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€31k▲

Other operating charges640/8€83€4k▲

Non-recurring operating charges66A-€950

Gross operating margin9900€247k€228k▼

Operating profit (loss)9901€167k€163k▼

Financial income75/76B€20€35▲

Recurring financial income75€20€35▲

Financial charges65/66B€6k€8k▲

Recurring financial charges65€6k€8k▲

Profit (loss) for the period before taxes9903€162k€156k▼

Income taxes67/77€57k€43k▼

Profit (loss) for the period9904€105k€113k▲

Profit (loss) for the period to be appropriated9905€105k€113k▲

Appropriation of the result

Profit (loss) to be appropriated9906€327k€414k▲

Profit (loss) brought forward from the previous period14P€221k€302k▲

Profit to be distributed694/7€25k-

Directors or managers695€25k-

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 9Financial 3Filings 6

2026

23-02

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 207 days late

2024

31-12

Financial Highest result since 2020net €113k ▲7.1%

Net result €113k, the highest in the series.

07-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 68 days late

2023

27-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Equity above €200kEq €286k ▲50.5%

3 profitable years in a row build equity to €286k.

11-02

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 11 days late

2021

30-06

Financial Weakest financial yearnet €31k ▼53.6%

Net result drops to €31k, the lowest in the series; recovery starts the following year.

01-02

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 1 day late

2019

28-01

NBB filing Annual accounts filed

fiscal year 2018 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

4 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, Opwijk · 3 establishment units since 2017

establishment All 3 establishment units on the map

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.

Langeveldstraat 1231745 Opwijk

Ground area

2,916 m²

Building footprint

630 m²

Volume, LiDAR

4,105 m³

3 parcels, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.

3 establishment units

Bakkerij Jens

Schoolstraat 100, 1745 OpwijkManufacture of food products

since 20172.266.947.606

Langeveldstraat 123, 1745 Opwijk

Artisanal bread and fresh pastry making

since 20222.348.336.445

Bakkerij Jens

Stationsstraat 4, 1785 MerchtemRetail sale of bread and pastry (bakery outlets)

since 20232.354.286.505

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23752E0279/00G000	Flanders	2,457 m²	1 · 183 m²	8.7 m · 2 fl.
23602H0263/00F000	Flanders	252 m²	1 · 240 m²	10.2 m · 3 fl.
23060B0677/03N000	Flanders	207 m²	1 · 206 m²	10.3 m · 3 fl.