WIM BERTELS BEHEER
ActiveWIM BERTELS BEHEER has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €71k. Equity is growing by ~40.6% per year across the filed fiscal years. Its solvency ranks better than 12% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▲+6
Solvency29▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.14 against 1.43 in 2024; short-term debt: 52.6% and cash: 4.5% of total assets), and 96.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
3.6%
Return on assets
2.2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31662 sector peers (2025).
NBB · sector comparisonPosition among 31662 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
70 d early
2023
on the day
2022
11 d early
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 155%
2024 · €46k
2019: €-20k
2020: €-73k
2021: €-129k
2022: €117k
2023: €42k
2024: €46k
2019 → 2025
Total assets
€3.28M▼ 11.1%
2024 · €3.69M
2019: €3.73M
2020: €3.84M
2021: €3.41M
2022: €3.52M
2023: €4.54M
2024: €3.69M
2019 → 2025
Net result
€71k▲ 1,569%
2024 · €4k
2019: €47k
2020: €-53k
2021: €-55k
2022: €-18k
2023: €-75k
2024: €4k
2019 → 2025
Working capital
€239k▼ 64.0%
2024 · €665k
2019: €406k
2020: €651k
2021: €621k
2022: €870k
2023: €759k
2024: €665k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-129k-€117k€42k▼ 64.4%€46k▲ 10.2%€117k▲ 155%
Operating result€141k-€210k▲ 49.1%€94k▼ 55.2%€261k▲ 177%€203k▼ 22.2%
Net result€-55k-€-18k▲ 68.3%€-75k▼ 329%€4k€71k▲ 1,569%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.28M
Fixed assets
€1.31M▼ 12.1%
Current assets
€1.97M▼ 10.5%
Equity and liabilities €3.28M
Equity
€117k▲ 155%
Provisions
€110k▼ 83.8%
Debt
€3.05M▲ 3.1%
The debt ratio rises from 80.2% to 93.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€294k▼
2024 · €360k
Cash flow
€162k▲
2024 · €103k
Solvency
3.6%▲
2024 · 1.2%
Current ratio
1.14▼
2024 · 1.43
Quick ratio
0.45▼
2024 · 0.49
Debt / equity
26.15▼
2024 · 64.70
ROE
60.8%▲
2024 · 9.3%
ROA
2.2%▲
2024 · 0.1%
Interest coverage
2.16▲
2024 · 1.65
Debt
€3.05M▲
2024 · €2.96M
Debt ≤ 1 year
€1.73M▲
2024 · €1.53M
Debt > 1 year
€1.31M▼
2024 · €1.43M
Income taxes
€43k▼
2024 · €81k
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€3.69M€3.28M▼
Fixed assets21/28€1.49M€1.31M▼
Tangible fixed assets22/27€1.30M€1.12M▼
Plant, machinery and equipment23€375€281▼
Furniture and vehicles24€1k€607▼
Leasing and similar rights25€1.00M€921k▼
Other tangible fixed assets26€296k€199k▼
Financial fixed assets28€193k€193k=
Current assets29/58€2.20M€1.97M▼
Stocks and contracts in progress3€1.44M€1.19M▼
Stocks30/36€1.44M€1.19M▼
Amounts receivable within one year40/41€587k€619k▲
Trade receivables40€36k€21k▼
Other amounts receivable41€551k€598k▲
Cash at bank and in hand54/58€8k€148k▲
Deferred charges and accrued income490/1€156k€7k▼
Equity and liabilities
Total equity and liabilities10/49€3.69M€3.28M▼
Equity10/15€46k€117k▲
Contributions10/11€282k€282k=
Reserves13€9k€9k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-245k€-174k▲
Provisions and deferred taxes16€684k€110k▼
Provisions for liabilities and charges160/5€684k€110k▼
Major repairs and maintenance162€25k€26k▲
Other liabilities and charges164/5€658k€85k▼
Amounts payable17/49€2.96M€3.05M▲
Amounts payable after more than one year17€1.43M€1.31M▼
Financial debts170/4€1.43M€1.31M▼
Amounts payable within one year42/48€1.53M€1.73M▲
Current portion of amounts payable after more than one year42€768k€345k▼
Trade debts44€30k€1k▼
Suppliers440/4€30k€1k▼
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€19k€26k▲
Other amounts payable47/48€714k€1.35M▲
Accrued charges and deferred income492/3€3k€12k▲
Income statement
Code20242025
Non-recurring operating income76A€41k€62k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€91k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€190€190=
Other operating charges640/8€14k€4k▼
Non-recurring operating charges66A€5k€387▼
Gross operating margin9900€379k€298k▼
Operating profit (loss)9901€261k€203k▼
Financial income75/76B€43k€47k▲
Recurring financial income75€43k€47k▲
Financial charges65/66B€218k€136k▼
Recurring financial charges65€218k€136k▼
Profit (loss) for the period before taxes9903€86k€114k▲
Income taxes67/77€81k€43k▼
Profit (loss) for the period9904€4k€71k▲
Profit (loss) for the period to be appropriated9905€4k€71k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-245k€-174k▲
Profit (loss) brought forward from the previous period14P€-249k€-245k▲
The notes to these accounts (15 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €71k ▲1569%
Net result €71k, the highest in the series.
30-06
Financial
Equity above €100kEq €117k ▲155%
2 profitable years in a row build equity to €117k.
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €4k
Net result €4k after 4 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Equity above €100kEq €117k
Equity rises from €-129k to €117k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 8 days late
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2022
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-07-2022
Resigned as Director
Location & real-estate footprint
Registered office, Zandhoven · 1 establishment unit since 2009
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.
Boskant 502242 ZandhovenGround area
248 m²
Building footprint
248 m²
Volume, LiDAR
1,519 m³
Parcel 11033A0198/00B000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WIM BERTELS BEHEER
since 20092.178.527.948
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11033A0198/00B000 | Flanders | 248 m² | 1 · 248 m² | 9.3 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.
Similar companies · same sector, comparable size
Policy Lab
BE 1003.184.391
Blégny · Eq €117k
HEITOR
BE 0763.838.871
Oudenaarde · Eq €117k
Annaben
BE 0467.974.619
Schoten · Eq €117k
VABAS CONSULTING
BE 0802.580.374
Heusden-Zolder · Eq €117k
BLUESPARKS
BE 1003.425.804
Charleroi · Eq €117k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-2009
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
68121Development of residential building projects
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.