P. BERGMANS
ActiveP. BERGMANS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €8. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 89% of 7330 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.82 against 1.77 in 2024), and 18.2% 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
81.8%
Return on assets
0%
Age of the figures
9 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 04-05-2026, 88 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
88 d early
2024
90 d early
2023
86 d early
2022
87 d early
2021
86 d early
2020
85 d early
2019
82 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k=
2024 · €54k
2018: €3k
2019: €-33k
2020: €-28k
2021: €-57k
2022: €-80k
2023: €-10k
2024: €54k
2018 → 2025
Total assets
€66k▼ 25.8%
2024 · €89k
2018: €20k
2019: €32k
2020: €25k
2021: €18k
2022: €64k
2023: €114k
2024: €89k
2018 → 2025
Net result
€8▼ 100.0%
2024 · €65k
2018: €-6k
2019: €-36k
2020: €6k
2021: €-30k
2022: €-23k
2023: €70k
2024: €65k
2018 → 2025
Working capital
€34k▲ 26.2%
2024 · €27k
2018: €-4k
2019: €-60k
2020: €-45k
2021: €-68k
2022: €-101k
2023: €-27k
2024: €27k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-57k-€-80k▼ 40.7%€-10k▲ 87.0%€54k€54k=
Operating result€-29k-€-23k▲ 21.7%€71k€84k▲ 18.9%€-525
Net result€-30k-€-23k▲ 21.4%€70k€65k▼ 7.4%€8▼ 100.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €525 after €84k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€20k▼ 25.7%
Current assets
€46k▼ 25.8%
Equity and liabilities €66k
Equity
€54k=
Debt
€12k▼ 65.7%
The debt ratio falls from 39.3% to 18.2%: debt is paid down.
Key figures and ratios
EBITDA
€7k▼
2024 · €88k
Cash flow
€7k▼
2024 · €69k
Solvency
81.8%▲
2024 · 60.7%
Current ratio
3.82▲
2024 · 1.77
Quick ratio
3.82▲
2024 · 1.77
Debt / equity
0.22▼
2024 · 0.65
ROE
0.0%▼
2024 · 119.2%
ROA
0.0%▼
2024 · 72.3%
Interest coverage
34.17▼
2024 · 117.80
Debt
€12k▼
2024 · €35k
Debt ≤ 1 year
€12k▼
2024 · €35k
Income taxes
€151▼
2024 · €19k
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€89k€66k▼
Fixed assets21/28€27k€20k▼
Tangible fixed assets22/27€27k€20k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€19k€14k▼
Current assets29/58€62k€46k▼
Amounts receivable within one year40/41€29k€26k▼
Trade receivables40€29k€23k▼
Other amounts receivable41-€3k
Cash at bank and in hand54/58€33k€20k▼
Equity and liabilities
Total equity and liabilities10/49€89k€66k▼
Equity10/15€54k€54k=
Contributions10/11€19k€19k=
Reserves13€36k€36k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€34k€34k=
Amounts payable17/49€35k€12k▼
Amounts payable within one year42/48€35k€12k▼
Trade debts44€609-
Suppliers440/4€609-
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48€30k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€1k€929▼
Gross operating margin9900€89k€7k▼
Operating profit (loss)9901€84k€-525▼
Financial income75/76B€624€875▲
Recurring financial income75€624€875▲
Non-recurring financial income76B€624€875▲
Financial charges65/66B€747€191▼
Recurring financial charges65€747€191▼
Non-recurring financial charges66B€747€191▼
Profit (loss) for the period before taxes9903€84k€159▼
Income taxes67/77€19k€151▼
Profit (loss) for the period9904€65k€8▼
Profit (loss) for the period to be appropriated9905€65k€8▼
Appropriation of the result
Profit (loss) to be appropriated9906€33k€8▼
Profit (loss) brought forward from the previous period14P€-32k-
Transfer to equity691/2€33k€8▼
To other reserves6921€33k€8▼
The notes to these accounts (6 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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 3.82
Current ratio from 1.77 to 3.82; short-term debt falls from €35k to €12k.
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.79 to 1.77; short-term debt falls from €124k to €35k.
06-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €70k
Net result €70k after 2 loss-making years.
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
10-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-05
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
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, Oudsbergen · 1 establishment unit since 2003
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.
Valstraat 23670 OudsbergenGround area
933 m²
Building footprint
251 m²
Volume, LiDAR
1,406 m³
Parcel 72022C1351/00B000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Valstraat 2, 3670 Oudsbergen
since 20032.126.457.259
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022C1351/00B000 | Flanders | 933 m² | 1 · 251 m² | 7.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 315 EUR awarded · 315 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 93 EUR | 93 EUR |
| 2022 | 1 | 222 EUR | 222 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,038. 13,121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2003
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
45212
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.