Summary
Conclusion
the dossier summarised in one paragraphBERIO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €14.00M and a net result of €-137k. Its solvency ranks better than 64% of 3139 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 14 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-07-2025, 14 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 17-07-2025 | 14 d early | 2025-00281669 |
| 31-12-2023 | 31-07-2024 | 08-07-2024 | 23 d early | 2024-00229131 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€14.00M
Net result€-137k
Total assets€20.80M
Solvency67.3%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 17-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 67.3% | 52.5% | |
| Net result | €-137k | €32k | |
| Equity | €14.00M | €75k | |
| Gross operating margin | €971k | €52k | |
| Staff costs | €134k | €9k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-137k |
| Cash flow | n/a |
| Staff costs | €134k |
| Income taxes | €424 |
| Dividends | - |
| Total assets | €20.80M |
| Equity | €14.00M |
| Debt | €6.81M |
| of which ≤ 1y | €1.62M |
| of which > 1y | €5.18M |
| Working capital | n/a |
| Employees (FTE) | 1.6 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 67.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -0.7% |
| ROE | -1.0% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €20.80M |
| Fixed assets | 21/28 | €18.23M |
| Tangible fixed assets | 22/27 | €18.23M |
| Current assets | 29/58 | €2.58M |
| Stocks & contracts in progress | 3 | €37k |
| Amounts receivable within one year | 40/41 | €139k |
| Cash & bank | 54/58 | €2.18M |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €20.80M |
| Equity | 10/15 | €14.00M |
| Contributions / capital | 10/11 | €11.33M |
| Reserves | 13 | €2.66M |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €6.81M |
| Amounts payable after one year | 17 | €5.18M |
| Amounts payable within one year | 42/48 | €1.62M |
| Trade debts payable within one year | 44 | €131k |
| Income statement | ||
| Gross operating margin | 9900 | €971k |
| Operating result | 9901 | €-74k |
| Financial income | 75 | €17k |
| Financial charges | 65 | €80k |
| Result before taxes | 9903 | €-137k |
| Income taxes | 67/77 | €424 |
| Net result for the period | 9904 | €-137k |
| Result to be appropriated | 9905 | €-137k |
Ratios computed by Checked.
Health barometer
FY 2024 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
2 directorsCurrent directors & mandates
-
De geluwebeek BVLegal entityDirectorState Gazette act 25081816 (30-06-2025)Current01-01-2025 → present
Permanent representatives (1)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
-
De Geluwebeek BVLegal entityPermanent representative· perm. rep.: Pierre VandeputteState Gazette act 25081816 (30-06-2025)Permanent representative01-01-2025 → present
Former directors (1)
-
Pierre VandeputteDirectorState Gazette act 25081816 (30-06-2025)Former- → 01-01-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 30-06-2023 |
| Status | Active |
| Postal code | 8500 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
President Kennedypark(Kor) 29 b8500 KortrijkEstablishment units
1 locationBERIO
since 20232.348.387.816
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.6 ha
Buildings1
Building footprint2,207 m²
Volume (LiDAR)14,411 m³
Tallest building8.3 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354D0147/00E000 | Flanders | 1.6 ha | 1 · 2,207 m² | 8.3 m · 2 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts Capital history · 1
22-04-2025
Capital change
All acts · 3
updated 1 year ago
2025
30-06-2025 2 directors appointed, 1 resigning
- De geluwebeek BV, Bestuurder
- Pierre Vandeputte, Vaste vertegenwoordiger
- Pierre Vandeputte, Bestuurder
22-04-2025 All shares are now held by a single shareholder
Notary:
Nicolaas Vermeulen · Menen
2024
22-11-2024 Publication in the Belgian Official Gazette, Miscellaneous
Summary:
proposalNotary:
Nicolaas VERMEULEN · Menen
Analysis
Snowflake analysis
financial profile on 5 axes57
/ 100
This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
0
Solvency
91
Growth
-
Stability
79
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0678.588.442 · Machelen (Brab.)
BE 0769.948.089 · Gent
BE 0764.608.240 · Brugge
BE 0427.958.060 · Beveren-Kruibeke-Zwijndrecht
BE 0803.650.740 · Staden
We hold annual accounts for 5,518 of the 24,684 companies in this sector. 898 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Ontwikkeling van residentiële bouwprojecten41101Holdings64200Activiteiten van holdings64210Ontwikkeling van residentiële bouwprojecten68121Vermogensbeheer66300Vermogensbeheer66300Verhuur en exploitatie van eigen of geleasd residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Verhuur en exploitatie van eigen of geleasd niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en exploitatie van terreinen68204Verhuur en exploitatie van terreinen68204
Primary activity highlighted.
Names & trade names
| Legal nameNL | BERIO |
Registered office
President Kennedypark(Kor) 29 b
8500 Kortrijk, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.