BERGVIS
ActiveBERGVIS has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €214k and a net result of €-39k. Equity is shrinking by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 14038 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
46
/ 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
Profitability8▲+1
Solvency71▼-18
Growth32=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.03 against 0.01 in 2024; short-term debt: 54.2% and cash: 1.5% of total assets), and 54.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
22232425
2022 to 2025 · latest year €-39k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
7 d early
2024
61 d late
2023
44 d late
2022
32 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€214k▼ 15.6%
2024 · €253k
2022: €332k
2023: €290k
2024: €253k
2022 → 2025
Total assets
€467k▲ 18.7%
2024 · €393k
2022: €332k
2023: €412k
2024: €393k
2022 → 2025
Net result
€-39k▼ 6.2%
2024 · €-37k
2022: €-22k
2023: €-41k
2024: €-37k
2022 → 2025
Working capital
€-246k▼ 78.2%
2024 · €-138k
2022: €14k
2023: €-112k
2024: €-138k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€332k-€290k▼ 12.5%€253k▼ 12.8%€214k▼ 15.6%
Operating result€-22k-€-41k▼ 84.5%€-37k▲ 10.5%€-39k▼ 6.1%
Net result€-22k-€-41k▼ 84.5%€-37k▲ 10.4%€-39k▼ 6.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €39k in 2025 against €37k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467k
Fixed assets
€459k▲ 17.5%
Current assets
€7k▲ 266%
Equity and liabilities €467k
Equity
€214k▼ 15.6%
Debt
€253k▲ 80.8%
The debt ratio rises from 35.6% to 54.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-18k▼
2024 · €-16k
Cash flow
€-18k▼
2024 · €-16k
Solvency
45.8%▼
2024 · 64.4%
Current ratio
0.03▲
2024 · 0.01
Quick ratio
0.03▲
2024 · 0.01
Debt / equity
1.18▲
2024 · 0.55
ROE
-18.5%▼
2024 · -14.7%
ROA
-8.4%▲
2024 · -9.4%
Interest coverage
-254.14▲
2024 · -525.25
Debt
€253k▲
2024 · €140k
Debt ≤ 1 year
€253k▲
2024 · €140k
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€393k€467k▲
Fixed assets21/28€391k€459k▲
Tangible fixed assets22/27€391k€459k▲
Land and buildings22€391k€459k▲
Current assets29/58€2k€7k▲
Cash at bank and in hand54/58€2k€7k▲
Equity and liabilities
Total equity and liabilities10/49€393k€467k▲
Equity10/15€253k€214k▼
Contributions10/11€354k€354k=
Profit (loss) carried forward14€-101k€-140k▼
Amounts payable17/49€140k€253k▲
Amounts payable within one year42/48€140k€253k▲
Trade debts44€376€2k▲
Suppliers440/4€376€2k▲
Other amounts payable47/48€140k€251k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€-12k€-15k▼
Operating profit (loss)9901€-37k€-39k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€30€70▲
Recurring financial charges65€30€70▲
Profit (loss) for the period before taxes9903€-37k€-39k▼
Profit (loss) for the period9904€-37k€-39k▼
Profit (loss) for the period to be appropriated9905€-37k€-39k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-101k€-140k▼
Profit (loss) brought forward from the previous period14P€-64k€-101k▼
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
13-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 44 days late
2023
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Geel · 1 establishment unit since 2022
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.
Stelen 372440 GeelGround area
2,196 m²
Building footprint
307 m²
Volume, LiDAR
1,203 m³
2 parcels, Flanders, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BERGVIS
since 20222.380.679.413
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375M0378/00W000 | Flanders | 1,234 m² | 1 · 174 m² | 10.1 m · 3 fl. |
| 83031A0517/00L000 | Wallonia | 962 m² | 1 · 132 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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KORE
BE 0736.313.142
Tervuren · Eq €203k
Rijsenberg
BE 0426.142.972
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CATALUNA
BE 0787.783.223
Deinze · Eq €195k
Of 587 companies in sector 68204 we hold annual accounts for 317. 235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-04-2022
Fiscal year end31-12
Activities, NACEBEL
68204Real estate activities
68110Buying and selling of own real estate
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
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.