Vastgoed Berghmans
ActiveSummary
The computed 12-month bankruptcy probability of Vastgoed Berghmans is 2.8% (moderate). The 2025 annual accounts show equity of €11k and a net result of €-8k. Equity is shrinking by ~26.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▼-16
Solvency27▼-1
Growth58=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · 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 2025Solvency, return and age of the figures
Solvency
1.6%
Return on assets
-1.2%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-8k
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
14 d late
2024
30 d early
2023
13 d early
2022
42 d early
2021
23 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€11k▼ 43.0%
2024 · €18k
2021: €34k
2022: €34k
2023: €23k
2024: €18k
2021 → 2025
Total assets
€654k▼ 4.8%
2024 · €687k
2021: €759k
2022: €749k
2023: €719k
2024: €687k
2021 → 2025
Net result
€-8k▼ 74.4%
2024 · €-5k
2021: €-16k
2022: €140
2023: €-11k
2024: €-5k
2021 → 2025
Working capital
€-78k▼ 16.0%
2024 · €-67k
2021: €-30k
2022: €-52k
2023: €-64k
2024: €-67k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€34k▲ 0.4%€23k▼ 33.0%€18k▼ 19.8%€11k▼ 43.0%
Operating result€-5k-€6k€2k▼ 65.8%€1k▼ 54.0%€-221
Net result€-16k-€140€-11k€-5k▲ 59.9%€-8k▼ 74.4%
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 €221 after €1k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €654k
Fixed assets
€650k ▼ 4.8%
Current assets
€4k ▼ 9.2%
Equity and liabilities €654k
Equity
€11k ▼ 43.0%
Debt
€644k ▼ 3.8%
Debt's share of the balance-sheet total rises from 97.3% to 98.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €34k
Cash flow
€25k▼
2024 · €28k
Current ratio
0.05▼
2024 · 0.06
Debt to equity
61.21▲
2024 · 36.28
ROE
-75.3%▼
2024 · -24.6%
ROA
-1.2%▼
2024 · -0.7%
Interest coverage
4.22▼
2024 · 6.07
Debt ≤ 1 year
€82k▲
2024 · €72k
Debt > 1 year
€559k▼
2024 · €594k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€687k€654k▼
Fixed assets21/28€683k€650k▼
Tangible fixed assets22/27€683k€650k▼
Land and buildings22€683k€650k▼
Current assets29/58€5k€4k▼
Cash at bank and in hand54/58€1k€664▼
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€687k€654k▼
Equity10/15€18k€11k▼
Contributions10/11€50k€50k=
Profit (loss) carried forward14€-32k€-39k▼
Amounts payable17/49€669k€644k▼
Amounts payable after more than one year17€594k€559k▼
Financial debts170/4€394k€359k▼
Other amounts payable178/9€200k€200k=
Amounts payable within one year42/48€72k€82k▲
Current portion of amounts payable after more than one year42€34k€35k▲
Trade debts44€726€8k▲
Suppliers440/4€726€8k▲
Taxes, remuneration and social security45-€779
Taxes450/3-€779
Other amounts payable47/48€37k€38k▲
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€33k=
Other operating charges640/8€6k€7k▲
Gross operating margin9900€40k€39k▼
Operating profit (loss)9901€1k€-221▼
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€-5k€-8k▼
Profit (loss) for the period9904€-5k€-8k▼
Profit (loss) for the period to be appropriated9905€-5k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€-39k▼
Profit (loss) brought forward from the previous period14P€-27k€-32k▼
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €140
Net result €140 after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Lommel · 1 establishment unit since 2021
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.
Balendijk 2423920 LommelGround area
3,076 m²
Building footprint
1,069 m²
Volume, LiDAR
6,405 m³
Parcel 72020C1399/00G009, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vastgoed Berghmans
since 20212.312.768.327
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C1399/00G009 | Flanders | 3,076 m² | 1 · 1,069 m² | 9.6 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-01-2021
Fiscal year end31-12
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.