Kurt Berckvens
ActiveKurt Berckvens has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €531k and a net result of €91k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 20.8 against 24.34 in 2024; short-term debt: 4.6% and cash: 30.4% of total assets), and 6.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
93.2%
Return on assets
15.9%
Age of the figures
9 mo
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
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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
49 d early
2023
50 d early
2022
32 d early
2021
46 d early
2020
47 d early
2019
30 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€531k▼ 8.3%
2024 · €580k
2018: €155k
2019: €249k
2020: €295k
2021: €385k
2022: €451k
2023: €551k
2024: €580k
2018 → 2025
Total assets
€570k▼ 9.1%
2024 · €627k
2018: €254k
2019: €346k
2020: €361k
2021: €486k
2022: €577k
2023: €637k
2024: €627k
2018 → 2025
Net result
€91k▲ 34.2%
2024 · €68k
2018: €38k
2019: €127k
2020: €74k
2021: €119k
2022: €91k
2023: €114k
2024: €68k
2018 → 2025
Working capital
€515k▼ 7.4%
2024 · €556k
2018: €171k
2019: €232k
2020: €282k
2021: €358k
2022: €429k
2023: €527k
2024: €556k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€385k-€451k▲ 17.2%€551k▲ 22.2%€580k▲ 5.2%€531k▼ 8.3%
Operating result€155k-€133k▼ 14.3%€160k▲ 20.3%€88k▼ 45.1%€121k▲ 38.1%
Net result€119k-€91k▼ 22.9%€114k▲ 24.2%€68k▼ 40.4%€91k▲ 34.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 38% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €570k
Fixed assets
€29k▼ 38.4%
Current assets
€541k▼ 6.7%
Equity and liabilities €570k
Equity
€531k▼ 8.3%
Debt
€39k▼ 17.9%
The debt ratio falls from 7.5% to 6.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€142k▲
2024 · €108k
Cash flow
€112k▲
2024 · €88k
Solvency
93.2%▲
2024 · 92.5%
Current ratio
20.80▼
2024 · 24.34
Quick ratio
18.47▼
2024 · 23.03
Debt / equity
0.07▼
2024 · 0.08
ROE
17.1%▲
2024 · 11.7%
ROA
15.9%▲
2024 · 10.8%
Interest coverage
110.60▲
2024 · 54.43
Debt
€39k▼
2024 · €47k
Debt ≤ 1 year
€26k▲
2024 · €24k
Debt > 1 year
€13k▼
2024 · €23k
Income taxes
€38k▲
2024 · €26k
Staff costs
€64k▲
2024 · €32k
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€627k€570k▼
Fixed assets21/28€47k€29k▼
Tangible fixed assets22/27€47k€29k▼
Plant, machinery and equipment23€3k€5k▲
Furniture and vehicles24€1k€955▼
Leasing and similar rights25€42k€23k▼
Current assets29/58€580k€541k▼
Stocks and contracts in progress3€31k€61k▲
Stocks30/36€21k€13k▼
Contracts in progress37€10k€48k▲
Amounts receivable within one year40/41€174k€101k▼
Trade receivables40€88k€31k▼
Other amounts receivable41€86k€69k▼
Current investments50/53€200k€200k=
Cash at bank and in hand54/58€168k€173k▲
Deferred charges and accrued income490/1€7k€6k▼
Equity and liabilities
Total equity and liabilities10/49€627k€570k▼
Equity10/15€580k€531k▼
Contributions10/11€12k€12k=
Reserves13€567k€519k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€562k€514k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€47k€39k▼
Amounts payable after more than one year17€23k€13k▼
Financial debts170/4€23k€13k▼
Amounts payable within one year42/48€24k€26k▲
Current portion of amounts payable after more than one year42€17k€11k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€344€6k▲
Remuneration and social security454/9€3k€7k▲
Other amounts payable47/48€859€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€32k€64k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€21k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€142k€210k▲
Operating profit (loss)9901€88k€121k▲
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€94k€129k▲
Income taxes67/77€26k€38k▲
Profit (loss) for the period9904€68k€91k▲
Profit (loss) for the period to be appropriated9905€68k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€68k€91k▲
Transfer from equity791/2€39k€139k▲
Transfer to equity691/2€68k€91k▲
To other reserves6921€68k€91k▲
Profit to be distributed694/7€39k€139k▲
Return on contributions (dividend)694€39k€139k▲
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 12.67
Current ratio from 5.28 to 12.67; short-term debt falls from €100k to €45k.
31-12
Financial
Equity above €500kEq €551k ▲22.2%
6 profitable years in a row build equity to €551k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €127k ▲233%
Operating result €172k, net result €127k, both a record.
31-12
Financial
Equity above €200kEq €249k ▲60.2%
2 profitable years in a row build equity to €249k.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Beerse · 1 establishment unit since 2008
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.
Hoevestraat 292340 BeerseGround area
6,973 m²
Building footprint
223 m²
Parcel 13004E0034/00C000, Flanders. Linked by address, not a title deed.
1 establishment unit
Kurt Berckvens
since 20082.173.747.729
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13004E0034/00C000 | Flanders | 6,973 m² | 1 · 223 m² | - |
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 6,193 EUR awarded · 6,193 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 6,193 EUR | 6,193 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
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Of 20,031 companies in sector 43320 we hold annual accounts for 9,133. 5,850 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-10-2008
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.