BERBERIS
ActiveSummary
BERBERIS has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €753k and a net result of €44k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 34% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71=
Solvency60▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity short (current ratio 0.43 against 0.56 in 2024; short-term debt: 21.6% and cash: 5% of total assets), and 65.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
34.9%
Return on assets
2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
29 d late
2023
21 d early
2022
17 d late
2021
29 d late
2020
45 d late
2019
85 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€753k▲ 6.2%
2024 · €709k
2018: €534k
2019: €554k
2020: €507k
2021: €566k
2022: €625k
2023: €664k
2024: €709k
2018 → 2025
Total assets
€2.16M▼ 8.5%
2024 · €2.35M
2018: €1.05M
2019: €1.04M
2020: €1.82M
2021: €1.75M
2022: €2.10M
2023: €2.31M
2024: €2.35M
2018 → 2025
Net result
€44k▼ 0.1%
2024 · €44k
2018: €56k
2019: €20k
2020: €-47k
2021: €59k
2022: €59k
2023: €39k
2024: €44k
2018 → 2025
Working capital
€-267k▲ 8.3%
2024 · €-291k
2018: €114k
2019: €151k
2020: €-380k
2021: €-278k
2022: €-548k
2023: €-158k
2024: €-291k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€566k-€625k▲ 10.4%€664k▲ 6.3%€709k▲ 6.6%€753k▲ 6.2%
Operating result€78k-€79k▲ 0.8%€58k▼ 26.1%€55k▼ 5.2%€74k▲ 33.7%
Net result€59k-€59k▼ 0.3%€39k▼ 33.3%€44k▲ 11.8%€44k▼ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 34% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.16M
Fixed assets
€1.96M ▼ 1.6%
Current assets
€198k ▼ 45.9%
Equity and liabilities €2.16M
Equity
€753k ▲ 6.2%
Provisions
€35k ▼ 7.2%
Debt
€1.37M ▼ 15.0%
Debt's share of the balance-sheet total falls from 68.3% to 63.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€178k▲
2024 · €151k
Cash flow
€148k▲
2024 · €140k
Current ratio
0.43▼
2024 · 0.56
Debt to equity
1.82▼
2024 · 2.27
ROE
5.8%▼
2024 · 6.2%
ROA
2.0%▲
2024 · 1.9%
Interest coverage
9.78▲
2024 · 8.64
Debt ≤ 1 year
€465k▼
2024 · €657k
Debt > 1 year
€903k▼
2024 · €951k
Income taxes
€14k▼
2024 · €23k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.35M€2.16M▼
Fixed assets21/28€1.99M€1.96M▼
Tangible fixed assets22/27€1.99M€1.96M▼
Land and buildings22€1.99M€1.96M▼
Furniture and vehicles24€1k€964▼
Current assets29/58€366k€198k▼
Amounts receivable within one year40/41€82k€85k▲
Trade receivables40€77k€77k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€279k€108k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€2.35M€2.16M▼
Equity10/15€709k€753k▲
Contributions10/11€12k€12k=
Reserves13€696k€740k▲
Tax-exempt reserves132€197k€186k▼
Distributable reserves133€499k€554k▲
Provisions and deferred taxes16€38k€35k▼
Deferred taxes168€38k€35k▼
Amounts payable17/49€1.61M€1.37M▼
Amounts payable after more than one year17€951k€903k▼
Financial debts170/4€951k€903k▼
Amounts payable within one year42/48€657k€465k▼
Current portion of amounts payable after more than one year42€43k€44k▲
Trade debts44€21k€2k▼
Suppliers440/4€21k€2k▼
Taxes, remuneration and social security45€32k€21k▼
Taxes450/3€32k€21k▼
Other amounts payable47/48€560k€398k▼
Accrued charges and deferred income492/3€600-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€104k▲
Other operating charges640/8€17k€14k▼
Gross operating margin9900€168k€192k▲
Operating profit (loss)9901€55k€74k▲
Financial income75/76B€25k€3k▼
Recurring financial income75€175€15▼
Non-recurring financial income76B€25k€3k▼
Financial charges65/66B€23k€18k▼
Recurring financial charges65€17k€18k▲
Non-recurring financial charges66B€5k-
Profit (loss) for the period before taxes9903€57k€58k▲
Transfer from deferred taxes780€15k-
Transfer to deferred taxes680€5k-
Income taxes67/77€23k€14k▼
Profit (loss) for the period9904€44k€44k▼
Transfer from tax-exempt reserves789€59k€11k▼
Transfer to tax-exempt reserves689€20k-
Profit (loss) for the period to be appropriated9905€83k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€83k€55k▼
Transfer to equity691/2€83k€55k▼
To other reserves6921€83k€55k▼
The notes to these accounts (12 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
14-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 45 days late
2020
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
24-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 85 days late
2019
04-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 35 days late
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2001
Ground area
1,005 m²
Building footprint
144 m²
Volume, LiDAR
938 m³
Parcel 56034A0249/00B005, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Domaine du Piou(HSH) 4, 6120 Ham-sur-Heure-Nalinnes
since 20012.098.517.202
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034A0249/00B005 | Wallonia | 1,005 m² | 1 · 143 m² | 8.5 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
DSW HOLDING
BE 0562.904.856
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Qogito
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Kapellen · Eq €752,466
HMI Management
BE 0794.639.440
Rouvroy · Eq €752,689
ARTIM
BE 0428.560.351
Brussel · Eq €752,382
STRAIGHT FORWARD
BE 0835.574.430
Oudergem · Eq €752,930
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 30,855 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-10-2001
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
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
82100Office administrative and support services
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.