Financials
- Fiscal year
- 2025
- Total assets
- €398,611
- Profit
- €54,269
- Solvency
- 22.1%
Total assets▲ 11.6%
Net result
20202025
Rob Berghman
ActiveSummary
Rob Berghman has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87,946 and a net result of €54,269. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Overview
Activity
Bricklaying and masonry work
NACE 43910NACE 43994
1 site
Size
€398,611total assets 2025
- Equity
- €87,946
- Profit
- €54,269
Turnover not published (abridged schema)
Structure
Accounts 31 d early0 of 3 deeds read
Why 68- 1 change of registered office in 24 months- Founded in 2020+ Figures for FY 2025 (filed 30-06-2026)+ Liquidity: current ratio 1.02, cash €59,477Show the evidence
Checked score
Score 2025
68
/ 100
Healthy
Probability in this band: 0.55% to 1.5%
Better than 54% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Average
Solvency
47+13
equity 22.1% of total assets
Liquidity
40+12
short-term debt 56.3% · cash 14.9%
Profitability
86+7
return on assets 13.6%
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 10 months
01-2026: 2.0%
02-2026: 2.0%● 0.0% vs 01-2026
03-2026: 2.0%▼ -0.6% vs 02-2026
04-2026: 3.2%▲ +65.3% vs 03-2026
05-2026: 4.0%▲ +23.0% vs 04-2026highest value
06-2026: 3.8%▼ -3.5% vs 05-2026
07-2026: 0.9%▼ -75.9% vs 06-2026
08-2026: 0.9%▼ -2.2% vs 07-2026lowest value
09-2026: 0.9%● 0.0% vs 08-2026lowest value
10-2026: 0.9%● 0.0% vs 09-2026lowest value
- 1 change of registered office in 24 months raises the probability
- Figures for FY 2025 (filed 30-06-2026) lowers the probability
- Founded in 2020 raises the probability for this profile
- Liquidity: current ratio 1.02, cash €59,477 lowers the probability
Credit up to €5,000 at 30 days acceptable
Liquidity tight (current ratio 1.02 against 0.57 in 2024; short-term debt: 56.3% and cash: 14.9% of total assets), and 77.9% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 23%, liquidity 29%, profitability 70%, growth against the median 95%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 30651 sector peers (2025).
NBB · sector comparisonPosition among 30651 sector peers
Solvency
better than 24%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
26 d late
2023
4 d early
2022
31 d late
2021
31 d late
2020
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 8 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 26 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · micro…
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet €28,677 ▼69.1%
Key points
By topic
Timeline
- Events
- 10
- Since
- 2021
- Next accounts
- by 31-07-2027
- 30-06-2026Annual accounts filed
- 26-08-2025Annual accounts filed
- 31-12-2024Weakest financial year
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Bricklaying and masonry workNACE 43910
- Founded
- 14-04-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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