Robert-Bertin

Active

Private limited companyfounded 20196 yrs activeLesbroussartstraat 48, 1050 Elsene, BelgiumKBO/BCE: BE 0737.547.220

The computed 12-month bankruptcy probability of Robert-Bertin is 8.4% (elevated). The 2024 annual accounts show equity of €35k and a net result of €-34k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 1774 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

7 / 100

Critical▼ -74 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability0▼-100

Solvency29▼-22

Growth32▼-46

Stability100

Bankruptcy probability, 12 months

8.4% Elevated

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.95 against 1.08 in 2023), and 78.2% 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

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

+raises risk○neutral

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

21.8%

Return on assets

-21.4%

Age of the figures

20 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 5 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

29 d late

2022

31 d late

2021

31 d late

2020

31 d late

← 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, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€-34k

2023 · €46k

2020: €-5k 2021: €2k 2022: €-14k 2023: €46k

2020 → 2024

Working capital

€-7k

2023 · €13k

2020: €-46k 2021: €-34k 2022: €-32k 2023: €13k

2020 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€35k-€37k▲ 5.7%€23k▼ 38.3%€69k▲ 203%€35k▼ 49.5%

Operating result€-5k-€2k€-13k€51k€-32k

Net result€-5k-€2k€-14k€46k€-34k

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2024: a loss of €32k after €51k in 2023, the lowest year so far.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €159k

26.1%

73.9%

Fixed assets €42k▼ 26.1%

Current assets €118k▼ 28.3%

Equity and liabilities €159k

21.8%

78.2%

Equity €35k▼ 49.5%

Debt €124k▼ 17.9%

The debt ratio rises from 68.8% to 78.2%: equity shrinks faster than debt is paid down.

Key figures and ratios

2024 value · change against 2023

EBITDA

€-14k▼

2023 · €70k

Cash flow

€-16k▼

2023 · €65k

Solvency

21.8%▼

2023 · 31.2%

Current ratio

0.95▼

2023 · 1.08

Quick ratio

0.79▲

2023 · 0.78

Debt / equity

3.58▲

2023 · 2.20

ROE

-98.1%▼

2023 · 67.0%

ROA

-21.4%▼

2023 · 20.9%

Interest coverage

-6.28▼

2023 · 340.31

Debt

€124k▼

2023 · €152k

Debt ≤ 1 year

€124k▼

2023 · €152k

Staff costs

€76k▲

2023 · €76k

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€220k€159k▼

Fixed assets21/28€56k€42k▼

Intangible fixed assets21€11k-

Tangible fixed assets22/27€36k€33k▼

Plant, machinery and equipment23€4k€4k▼

Other tangible fixed assets26€32k€29k▼

Financial fixed assets28€9k€9k=

Current assets29/58€164k€118k▼

Stocks and contracts in progress3€46k€19k▼

Stocks30/36€46k€19k▼

Amounts receivable within one year40/41€59k€75k▲

Trade receivables40€52k€68k▲

Other amounts receivable41€7k€7k▲

Cash at bank and in hand54/58€59k€23k▼

Equity and liabilities

Total equity and liabilities10/49€220k€159k▼

Equity10/15€69k€35k▼

Contributions10/11€40k€40k=

Profit (loss) carried forward14€29k€-5k▼

Amounts payable17/49€152k€124k▼

Amounts payable within one year42/48€152k€124k▼

Trade debts44€72k€76k▲

Suppliers440/4€72k€76k▲

Taxes, remuneration and social security45€36k€31k▼

Taxes450/3€7k€12k▲

Remuneration and social security454/9€28k€19k▼

Other amounts payable47/48€43k€17k▼

Income statement Code20232024

Remuneration, social security and pensions62€76k€76k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼

Other operating charges640/8€6k€654▼

Gross operating margin9900€152k€62k▼

Operating profit (loss)9901€51k€-32k▼

Financial income75/76B-€65

Recurring financial income75-€65

Financial charges65/66B€206€2k▲

Recurring financial charges65€206€2k▲

Profit (loss) for the period before taxes9903€51k€-34k▼

Income taxes67/77€5k-

Profit (loss) for the period9904€46k€-34k▼

Profit (loss) for the period to be appropriated9905€46k€-34k▼

Appropriation of the result

Profit (loss) to be appropriated9906€29k€-5k▼

Profit (loss) brought forward from the previous period14P€-17k€29k▲

Social balance

Average headcount (FTE)90873.32.9▼

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 8Financial 3Filings 5

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · full schema · 61 days late

2024

31-12

Financial Weakest financial yearnet €-34k ▼174%

Net result drops to €-34k, the lowest in the series.

29-08

NBB filing Annual accounts filed

fiscal year 2023 · full schema · 29 days late

2023

31-12

Financial Back to profitnet €46k

Net result €46k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2022 · full schema · 31 days late

2022

31-08

NBB filing Annual accounts filed

fiscal year 2021 · full schema · 31 days late

2021

31-12

Financial Back to profitnet €2k

Net result €2k after one loss-making year.

31-08

NBB filing Annual accounts filed

fiscal year 2020 · full schema · 31 days late

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, Elsene · 1 establishment unit since 2019

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.

Lesbroussartstraat 481050 Elsene

Ground area

70 m²

Building footprint

61 m²

Volume, LiDAR

832 m³

Parcel 21444B0198/00V000, Brussels · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

Rebel

Lesbroussartstraat 48, 1050 ElseneLimited-service restaurants

since 20192.307.665.731

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21444B0198/00V000	Brussels	70 m²	1 · 61 m²	15.9 m · 5 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.

Similar companies · same sector, comparable size

LES JARDINS DE CAROLINE

BE 0432.925.252

La Roche-en-Ardenne · Eq €35k

Sint-Gillis (bij-Brussel) · Eq €35k

Of 20,234 companies in sector 56111 we hold annual accounts for 11,308. 9,477 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-11-2019

Fiscal year end31-12

Activities, NACEBEL

56101Full-service restaurants

56111Full-service restaurants

56301Cafés and bars

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.