PROCAT
ActiveSummary
PROCAT has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €351,124 and a net result of €1.6m. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 11,207 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201
1 site
Size
≈ €2.1mturnover 2025, estimated
- Staff
- 1.2 FTE
- Equity
- €351,124
- Profit
- €1.6m
Turnover estimated from the gross margin
Structure
- BERFIManaging director · permanent representative BERNAERS Fideel Pieter Gustaaf Edward
- Els VerbraekenDirector
- Luc MalschaertDirector
2025 accounts filed 7 days late2 of 7 deeds summarised
Why 98raises riskEquity €351,124 (9.5% of total assets)Figures for financial year 2025 (filed 07-11-2025)lowers riskLiquidity: current ratio 4.23, cash €2.1mSector: Real estate activities (NACE 68)Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Financially better than 81% of its sector peers (NACE 68, small)
Financial strength · tick = 2024
Strong
Solvency
35+11
equity 9.5% of total assets
Liquidity
97+38
short-term debt 15.4% · cash 55.9%
Profitability
100+66
return on assets 43.1%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 1.1%highest value
12-2024: 0.1%▼ -1.0 percentage point vs 11-2024
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025
06-2025: 0.2%▲ +0.1 percentage points vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.3%▲ +0.1 percentage points vs 09-2025
11-2025: 0.4%▲ +0.1 percentage points vs 10-2025
12-2025: < 0.1%▼ -0.4 percentage points vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025lowest value
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026lowest value
04-2026: < 0.1%● unchanged vs 03-2026lowest value
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: 0.1%▲ +0.1 percentage points vs 09-2026
Credit of up to €30,000 on 30-day terms is acceptable
Liquidity ample (current ratio 4.23, compared with 17.07 in 2024, above the usual 1.5; short-term debt: 15.4% and cash: 55.9% of total assets), but 90.5% of the assets are financed with debt and provisions.
How it is calculated
The band follows from the bankruptcy probability, on a scale where 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 68, small): better than 28% on solvency, 98% on liquidity, 99% on profitability and 99% on growth.
The bankruptcy probability was computed on 29-10-2026 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.
Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 7 days late
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 07-11-2025, 7 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
7 days late
2024
on the day
2023
on the day
2022
3 days late
2021
5 days late
2020
61 days late
2019
23 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today. The company usually files around 3 November (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
31-03-2026 year end30-10-2026 today31-10-2026 deadline
- Annual accounts filedfinancial year 2025 · abbreviated…
- Back to profitnet €1.6m
- Equity above €200,000equity €351,124
Financials · financial year 2025, abbreviated format
2025 annual accounts filed late (7 days) Filed on 7 November 2025, deadline 31 October 2025 (7 months after the close on 31 March 2025, Companies Code art. 3:10). Source: NBB, 2025-00563993.
Turnover
≈ €2.1m
Estimated: probably between €1.9m and €2.3m
Total assets
€3.7m▲ 24.4%
2024 · €3.0m
Net result
€1.6m
2024 · -€19,652
Working capital
€1.8m▲ 662%
2024 · €241,579
Trend over the years
2021 to 2025, 5 financial years 2019 to 2025, 7 financial years
After the dip in 2023 the operating result has climbed two years in a row; 2025 is over 20 times 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€1.8m
2025
Net result€1.6m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€3.7m
2025
Equity€0.4m
2025
Debt€3.3m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€1.8m
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)43.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency9.5%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio4.23
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)1.2
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result€0.1m-€0.2m▲ 64.2%€0.1m▼ 40.5%€0.2m▲ 136%€0.007m▼ 97.4%€0.09m▲ 14×€1.8m▲ 20×
Net result€0.03m-€0.06mwithin the sector's middle half▲ 121%€0.01mwithin the sector's middle half▼ 77.4%€0.1mwithin the sector's middle half▲ 649%-€0.08mbelow the sector's middle half-€0.02mwithin the sector's middle half▲ 74.7%€1.6mabove the sector's middle half
Equity-€0.1m--€0.07mbelow the sector's middle half▲ 49.6%-€0.05mbelow the sector's middle half▲ 22.2%€0.06mbelow the sector's middle half-€0.02mbelow the sector's middle half-€0.04mbelow the sector's middle half▼ 97.9%€0.4mwithin the sector's middle half
Total assets€2.8m-€3.2mwithin the sector's middle half▲ 15.9%€3.2mwithin the sector's middle half▼ 2.2%€3.2mwithin the sector's middle half▲ 1.8%€3.0mwithin the sector's middle half▼ 5.5%€3.0mwithin the sector's middle half▼ 2.5%€3.7mabove the sector's middle half▲ 24.4%
Debt€2.9m-€3.3m▲ 13.0%€3.2m▼ 2.6%€3.2m▼ 1.6%€3.1m▼ 3.2%€3.0m▼ 1.9%€3.3m▲ 11.1%
Working capital€0.7m-€1.1mabove the sector's middle half▲ 56.8%€1.0mabove the sector's middle half▼ 5.6%€1.0mabove the sector's middle half▼ 5.9%€0.08mwithin the sector's middle half▼ 91.6%€0.2mwithin the sector's middle half▲ 204%€1.8mabove the sector's middle half▲ 662%
Solvency-4.6%--2.0%below the sector's middle half▲ 2.6pp-1.6%below the sector's middle half▲ 0.4pp1.8%below the sector's middle half▲ 3.4pp-0.7%below the sector's middle half▼ 2.4pp-1.3%below the sector's middle half▼ 0.7pp9.5%within the sector's middle half▲ 10.8pp
Current ratio2.06-24.58above the sector's middle half▲ 22.5312.29above the sector's middle half▼ 12.2914.13above the sector's middle half▲ 1.841.58within the sector's middle half▼ 12.5517.07above the sector's middle half▲ 15.494.23above the sector's middle half▼ 12.84
Return on assets (ROA)1.0%-2.0%within the sector's middle half▲ 0.9pp0.5%within the sector's middle half▼ 1.5pp3.4%within the sector's middle half▲ 2.9pp-2.5%below the sector's middle half▼ 5.9pp-0.7%within the sector's middle half▲ 1.9pp43.1%above the sector's middle half▲ 43.8pp
Staff (FTE)1.5-2.2within the sector's middle half▲ 46.7%1within the sector's middle half▼ 54.5%1.7within the sector's middle half▲ 70.0%1within the sector's middle half▼ 41.2%1within the sector's middle half=1.2within the sector's middle half▲ 20.0%
above
within
below
the middle half of NACE 68, Real estate activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.7m
Fixed assets
€1.3m ▼ 52.7%
Current assets
€2.4m ▲ 840%
Equity and liabilities €3.7m
Equity
€351,124
Debt
€3.3m
Debt finances 90.5% of the balance-sheet total.
Key figures and ratios
EBITDA
€2.0m▲
2024 · €208,374
Cash flow
€1.7m▲
2024 · €98,219
Quick ratio
3.69▼
2024 · 17.07
Debt to equity
9.52
ROE
453.6%
Interest coverage
17.35▲
2024 · 1.89
Debt ≤ 1 year
€569,661▲
2024 · €15,034
Debt > 1 year
€2.8m▼
2024 · €3.0m
Income taxes
€130,629
Staff costs
€12,584▼
2024 · €41,696
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 931 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 93.1% are still going.
- Micro
- 20 years or older
- solvency under 10%
- a profit of 5% of the balance sheet or more
1.9%
went bankrupt
4.6%
stopped otherwise
93.1%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 931 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | €0.07m | €0.04m | €0.04m | €0.01m | ▼ 69.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €0.06m | €0.09m | €0.08m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Other operating charges640/8 | - | - | - | €0.08m | €0.1m | €0.06m | €0.08m | ▲ 31.9% |
| Gross operating margin9900 | €0.3m | €0.4m | €0.3m | €0.5m | €0.3m | €0.3m | €2.0m | ▲ 558% |
| Operating profit (loss)9901 | €0.1m | €0.2m | €0.1m | €0.2m | €0.007m | €0.09m | €1.8m | ▲ 20× |
| Financial income75/76B | - | - | - | - | - | - | €5 | - |
| Recurring financial income75 | - | €1 | €0 | - | - | - | €5 | - |
| Financial charges65/66B | - | - | - | €0.08m | €0.08m | €0.1m | €0.1m | ▲ 2.2% |
| Recurring financial charges65 | €0.07m | €0.08m | €0.09m | €0.08m | €0.08m | €0.1m | €0.1m | ▲ 2.2% |
| Profit (loss) for the period before taxes9903 | €0.03m | €0.1m | €0.02m | €0.2m | -€0.08m | -€0.02m | €1.7m | - |
| Income taxes67/77 | €0.004m | €0.04m | €0.005m | €0.06m | - | - | €0.1m | - |
| Profit (loss) for the period9904 | €0.03m | €0.06m | €0.01m | €0.1m | -€0.08m | -€0.02m | €1.6m | - |
| Profit (loss) for the period to be appropriated9905 | €0.03m | €0.06m | €0.01m | €0.1m | -€0.08m | -€0.02m | €1.6m | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €2.8m | €3.2m | €3.2m | €3.2m | €3.0m | €3.0m | €3.7m | ▲ 24.4% |
| Fixed assets21/28 | €1.5m | €2.1m | €2.1m | €2.2m | €2.8m | €2.7m | €1.3m | ▼ 52.7% |
| Tangible fixed assets22/27 | €1.5m | €2.1m | €2.1m | €2.2m | €2.8m | €2.7m | €1.3m | ▼ 52.8% |
| Land and buildings22 | - | - | - | €2.2m | €2.8m | €2.7m | €1.3m | ▼ 52.8% |
| Financial fixed assets28 | €0.008m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | = |
| Current assets29/58 | €1.3m | €1.1m | €1.1m | €1.0m | €0.2m | €0.3m | €2.4m | ▲ 840% |
| Stocks and contracts in progress3 | - | - | €0.2m | - | - | - | €0.3m | - |
| Stocks30/36 | - | - | - | - | - | - | €0.3m | - |
| Amounts receivable within one year40/41 | - | €0.07m | €0.2m | €0.003m | - | €4 | - | - |
| Trade receivables40 | - | - | - | €0.003m | - | - | - | - |
| Other amounts receivable41 | - | - | - | - | - | €4 | - | - |
| Cash at bank and in hand54/58 | €1.3m | €1.0m | €0.6m | €1.0m | €0.2m | €0.2m | €2.1m | ▲ 833% |
| Deferred charges and accrued income490/1 | - | - | - | - | - | €0.04m | €0.04m | = |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €2.8m | €3.2m | €3.2m | €3.2m | €3.0m | €3.0m | €3.7m | ▲ 24.4% |
| Equity10/15 | -€0.1m | -€0.07m | -€0.05m | €0.06m | -€0.02m | -€0.04m | €0.4m | - |
| Contributions10/11 | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Capital10 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Issued capital100 | - | - | - | €0.4m | €0.4m | €0.4m | €0.4m | = |
| Revaluation surpluses12 | - | - | - | €1.2m | €1.2m | €1.2m | - | - |
| Profit (loss) carried forward14 | -€1.7m | -€1.7m | -€1.7m | -€1.5m | -€1.6m | -€1.6m | -€0.05m | ▲ 96.9% |
| Amounts payable17/49 | €2.9m | €3.3m | €3.2m | €3.2m | €3.1m | €3.0m | €3.3m | ▲ 11.1% |
| Amounts payable after more than one year17 | €2.3m | €3.3m | €3.1m | €3.1m | €2.9m | €3.0m | €2.8m | ▼ 7.7% |
| Financial debts170/4 | - | - | - | €3.0m | €2.8m | €2.9m | €2.7m | ▼ 6.7% |
| Other amounts payable178/9 | - | - | - | €0.08m | €0.1m | €0.1m | €0.07m | ▼ 35.0% |
| Amounts payable within one year42/48 | €0.6m | €0.05m | €0.09m | €0.07m | €0.1m | €0.02m | €0.6m | ▲ 38× |
| Current portion of amounts payable after more than one year42 | - | - | - | - | €0.1m | - | €0.1m | - |
| Trade debts44 | €0.2m | - | - | - | €0.005m | €0.01m | €0.3m | ▲ 29× |
| Suppliers440/4 | - | - | - | - | €0.005m | €0.01m | €0.3m | ▲ 29× |
| Taxes, remuneration and social security45 | - | - | - | €0.07m | €0.003m | €0.004m | €0.1m | ▲ 30× |
| Taxes450/3 | - | - | - | €0.06m | €100 | €0.001m | €0.1m | ▲ 134× |
| Remuneration and social security454/9 | - | - | - | €0.01m | €0.003m | €0.003m | €0.003m | ▼ 11.6% |
| Other amounts payable47/48 | - | - | - | - | - | - | €0.002m | - |
| Accrued charges and deferred income492/3 | - | - | - | - | - | - | €0.007m | - |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.03m | €0.06m | €0.01m | €0.1m | -€0.08m | -€0.02m | €1.6m | - |
| + Depreciation and write-downs630 | €0.06m | €0.09m | €0.08m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Operating cash flow (approximation) | €0.09m | €0.2m | €0.1m | €0.2m | €0.03m | €0.1m | €1.7m | ▲ 17× |
| Investment in fixed assets (approximation) | - | -€0.7m | -€0.03m | -€0.2m | -€0.7m | €0 | €1.3m | - |
| Change in cash | - | -€0.2m | -€0.4m | €0.4m | -€0.8m | €0.006m | €1.8m | ▲ 315× |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 32 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-03-2025 | abbreviated format | 07-11-2025 | 2025-00563993 |
| 31-03-2024 | abbreviated format | 31-10-2024 | 2024-00526345 |
| 31-03-2023 | abbreviated format | 31-10-2023 | 2023-00500159 |
| 31-03-2022 | abbreviated format | 03-11-2022 | 2022-20516103 |
| 31-03-2021 | abbreviated format | 05-11-2021 | 2021-76400227 |
| 31-03-2020 | abbreviated format | 31-12-2020 | 2020-77500492 |
| 31-03-2019 | abbreviated format | 23-11-2019 | 2019-74400030 |
| 31-03-2018 | abbreviated format | 30-11-2018 | 2018-73100597 |
| 31-03-2017 | abbreviated format | 05-03-2018 | 2018-06100521 |
| 31-03-2016 | abbreviated format | 30-10-2016 | 2016-66600257 |
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Of the 9,086 active companies whose main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201), figures are known for 6,922. 5,070 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Directors
3 directors, 1 in day-to-day management, last change in 2025
Board 3
BERFI
CurrentNiet statutaire enige bestuurder · since 16-01-2025 · Public limited company · permanent representative: BERNAERS Fideel Pieter Gustaaf Edward
Els Verbraeken
CurrentDirector
Luc Malschaert
CurrentDirector
Day-to-day management 1
BERFI
CurrentDirector and managing director · Public limited company · permanent representative: BERNAERS Fideel Pieter Gustaaf Edward
Permanent representatives 1
BERNAERS Fideel Pieter Gustaaf Edward
CurrentPermanent representative · since 16-01-2025 · for BERFI
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ.
See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
5 of this company's 7 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.
Mandate history
5 people since 2024, 3 in office
- Board
- Day-to-day management
- began earlier
| Name | Functions and periods |
|---|---|
| BERFI |
|
| Els Verbraeken |
|
| Luc Malschaert |
|
| MALSCHAERT Luc Peter Jan |
|
| VERBRAEKEN Els Rosa Josepha |
|
Owners and capital
Capital and shareholders
Capital over the years
- 16-01-2025 Capital stated in the deed · 3,250 shares
Group and network
Connections & network
3 current directorsThe network starts from this company’s directors. Other companies they run appear here as nodes.
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Shareholding
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History
Acts, filings and financial milestones
Next filing, financial year 2026, expected by
2025
07-11
NBB filing
Annual accounts filed
financial year 2025 · abbreviated format · 7 days late
31-03
Financial
Back to profitnet €1.6m
Net result €1.6m after 2 loss-making years.
31-03
Financial
Equity above €200,000equity €351,124
Equity rises from -€39,721 to €351,124.
16-01
Gazette deed
Resignations: BERFI, MALSCHAERT Luc Peter Jan and VERBRAEKEN Els Rosa JosephaAppointment: BERFI (niet statutaire enige bestuurder) · Permanent representative: BERNAERS Fideel Pieter Gustaaf Edward · Amendment of the articles10 facts ▸
Gazette deed
Resignations: BERFI, MALSCHAERT Luc Peter Jan and VERBRAEKEN Els Rosa Josepha
Appointment: BERFI (niet statutaire enige bestuurder) · Permanent representative: BERNAERS Fideel Pieter Gustaaf Edward · Amendment of the articles10 facts ▸
- General meeting, “buitengewone algemene vergadering van de aandeelhouders” (deed in Dutch)
- Amendment of the articles (4 times)
- Purpose change
- Director resignation, BERFI (director)
- Director resignation, MALSCHAERT Luc Peter Jan (director)
- Director resignation, VERBRAEKEN Els Rosa Josepha (director)
- Director appointment, BERFI (niet statutaire enige bestuurder)
- Permanent representative, BERNAERS Fideel Pieter Gustaaf Edward
- Registered office clause, “2070 Zwijndrecht, Michel Vergauwenstraat 7” (deed in Dutch)
- Capital, “€VIERHONDERDENTWEEDUIZEND ACHTHONDERDZESENTWINTIG EURO ACHTENNEGENTIG CENT” (deed in Dutch)
2024
31-10
NBB filing
Annual accounts filed
financial year 2024 · abbreviated format
28-05
Gazette deed
Reappointments: BERFI, Luc Malschaert and Els Verbraeken4 facts ▸
Gazette deed
Reappointments: BERFI, Luc Malschaert and Els Verbraeken
4 facts ▸
- General meeting, 30-08-2023
- Director reappointment, BERFI (director and managing director)
- Director reappointment, Luc Malschaert (director)
- Director reappointment, Els Verbraeken (director)
31-03
Financial
Liquidity more than 10 timescurrent ratio 17.07
Current ratio from 1.58 to 17.07; short-term debt falls from €136,087 to €15,034.
2023
31-10
NBB filing
Annual accounts filed
financial year 2023 · abbreviated format
31-03
Financial
Weakest financial yearnet -€77,587
Net result drops to -€77,587, the lowest in the series; recovery starts the following year.
2022
03-11
NBB filing
Annual accounts filed
financial year 2022 · abbreviated format · 3 days late
2021
05-11
NBB filing
Annual accounts filed
financial year 2021 · abbreviated format · 5 days late
2020
31-12
NBB filing
Annual accounts filed
financial year 2020 · abbreviated format · 61 days late
Show earlier events
31-03
Financial
Liquidity more than 11 timescurrent ratio 24.58
Current ratio from 2.06 to 24.58; short-term debt falls from €645,631 to €45,338.
2019
23-11
NBB filing
Annual accounts filed
financial year 2019 · abbreviated format · 23 days late
2018
30-11
NBB filing
Annual accounts filed
financial year 2018 · abbreviated format · 30 days late
05-03
NBB filing
Annual accounts filed
financial year 2017 · abbreviated format · 125 days late
2016
30-10
NBB filing
Annual accounts filed
financial year 2016 · abbreviated format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 32 annual accounts filed, the latest 10 are here; all 32 are under Financials.
2 of 7 deeds read
About the unread acts
Of the 7 Belgian Official Gazette deeds we know for this company, 2 have been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Register details
Identification
Legal formPublic limited company
Founded25-06-1992
Financial year end31-03
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Contact
E-mail
fbernaers@skynet.beBeveren-Kruibeke-Zwijndrecht
E-invoicing
Reachable via Peppol
Peppol ID
0208:0447723492
Also
9925:BE0447723492
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits
8 applications in Flanders since 2020 · 3 granted · 1 refused
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden
Source: Omgevingsloket Vlaanderen. Flanders only: Brussels and Wallonia do not publish the applicant.
Sites & property
Location & real-estate footprint
Registered office, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 1992
Ground area
467 m²
Building footprint
179 m²
Building volume
1,357 m³
Parcel 11056A0675/00A003, Flanders · tallest building 13.7 m. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
bernaers
since 1992unit no. 2.058.423.340
1 parcel
Flanders
1
(100%)
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 11056A0675/00A003 | Flanders | 467 m² | 1 · 179 m² | 13.7 m · 3 |
How the parcels are linked
Good to know
The parcel matches the address exactly.
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Het verwerven, inrichten, herstellen en tot waarde brengen, beheren, verhuren of laten gebruiken op alle mogelijke wijzen, van gebouwde en…” (deed in Dutch)
9 activities (deed in Dutch)
- Het verwerven, inrichten, herstellen en tot waarde brengen, beheren, verhuren of laten gebruiken op alle mogelijke wijzen, van gebouwde en ongebouwde onroerende goederen.
- Het verwerven, beheren en verkopen van roerende waarden, van aandelen en van participaties en belangen in alle mogelijke ondernemingen en vennootschappen.
- Het opnemen van bestuursmandaten in en het optreden als adviseur bij alle mogelijke ondernemingen en vennootschappen van een zogenaamde houdstermaatschappij en dit alles in binnen- en buitenland.
- Het beheer van een onroerend vermogen en de huurfinanciering van onroerende goederen aan derden, alsmede alle handelingen die van aard zijn de opbrengst van de onroerende goederen te bevorderen.
- De uitbating van een medisch secretariaat.
- Algemene bouw van residentiële gebouwen, kantoorgebouwen en niet-residentiële gebouwen in de meest brede zin van het woord.
- Slopen van gebouwen.
- Alle overige werkzaamheden in verband met afwerking van gebouwen, zowel interieur als exterieur.
- Alle zakelijke dienstverlening.
- DurationHow long the company exists; usually unlimited, so until it is dissolved.
- Unlimited
- Legal form clauseThe legal form, such as BV, NV or CV, which decides which company-law rules apply.
- “PROCAТ” (deed in Dutch)
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest” (deed in Dutch)
Who represents it, and how
- Who signsWho may bind the company towards others, for example by signing a contract.
- The sole director“Zij kunnen individueel optreden voor verrichtingen betreffende de dagelijks bestuur. De gedelegeerden voor het dagelijks bestuur kunnen in…”
Full text
Zij kunnen individueel optreden voor verrichtingen betreffende de dagelijks bestuur. De gedelegeerden voor het dagelijks bestuur kunnen in het kader van dat bestuur bijzondere volmachten verlenen aan iedere lasthebber. De raad van bestuur stelt de eventuele toekenningen en verloning vast voor de gedelegeerden tot het dagelijks bestuur. Hij kan hen op elk ogenblik ontslaan. 1.Alle akten die de vennootschap verbinden, in en buiten rechte, zijn geldig wanneer zij ondertekend worden door twee bestuurders die gezamenlijk optreden en aan wie collectieve vertegenwoordigingsmacht is toegekend, hetzij door één gedelegeerd bestuurder.
- Board ruleHow the board is made up, meets and takes decisions.
- “Wanneer de plaats van een bestuurder openvalt vóór het einde van zijn mandaat, heeft enkel de algemene vergadering het recht een nieuwe…” (deed in Dutch)“De enige bestuurder is in voorkomend geval niet persoonlijk gehouden tot de verbintenissen van de vennootschap, Indien in de vennootschap…” (deed in Dutch)“De raad van bestuur kiest uit zijn midden een voorzitter, Indien de voorzitter verhinderd is, wordt hij vervangen door de ondervoorzitter of…” (deed in Dutch)“Binnen vijftien dagen na een daartoe strekkend verzoek van twee bestuurders, De vergadering wordt gehouden in de plaats aangewezen in de…” (deed in Dutch)“Elke bestuurder kan aan één van zijn collega's volmacht verlenen om hem te vertegenwoordigen op een bepaalde raad van bestuur en om er in…” (deed in Dutch)“Zij worden gedateerd op de dag dat de laatste bestuurder voormeld document ondertekend heeft, Deze procedure is uitgesloten in de gevallen…” (deed in Dutch)“De besluiten van de raad van bestuur worden weergegeven in de notulen, die worden ondertekend door de aanwezige bestuurders, De notulen…” (deed in Dutch)“Het bestuursorgaan is bevoegd om alle handelingen te verrichten die nodig of dienstig zijn tot verwezenlijking van het voorwerp van de…” (deed in Dutch)2 more provisions on this in the deed
Capital, shares and profit
- Records ruleWhich registers the company keeps, such as the share register, and how.
- One provision in the deed
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Monday of September at 15:00
- Meeting accessWho may attend the meeting and what is needed to be admitted.
- One provision in the deed
- Meeting procedureHow the meeting runs, from opening to minutes.
- 3 provisions in the deed
- Proxy ruleWhether a shareholder may be represented at the meeting by someone else.
- One provision in the deed
- Voting ruleWhich majority the meeting decides by, for example a simple or a special majority.
- 4 provisions in the deed
Oversight and winding up
- Dissolution ruleWhen and by whom the company can be dissolved.
- “Besluit van de algemene vergadering, beraadslaagt zoals inzake statutenwijziging” (deed in Dutch)
- Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
- One provision in the deed