Skip to content

BerMaCon

Active
Private limited company·Ontwerpen van computerprogramma’s· 5 yrs active
Henrilei 95 ·2930 Brasschaat, Belgium
KBO/BCE: BE 0755.840.727
Watch Print / PDF
Age5 yrs
Real estate1 parcel · 855 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BerMaCon is 0.4% (very low). The 2025 annual accounts show equity of €159k and a net result of €74k. Its solvency ranks better than 95% of 2749 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Signals

1 signal · with evidence
Strong solvency vs sector
Solvency is in the sector's strongest quartile: better than 95% of 2749 peers (2025). A comfortable equity buffer.
View the sector comparison

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-03-2026, 151 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 5 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 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 02-03-2026 151 d early 2026-00046763
31-12-2024 31-07-2025 17-07-2025 14 d early 2025-00280129
31-12-2023 31-07-2024 10-04-2024 112 d early 2024-00061547
31-12-2022 31-07-2023 03-07-2023 28 d early 2023-00189385
31-12-2021 31-07-2022 29-07-2022 2 d early 2022-20253917

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 signals
More than 3 years active
Founded in 2020, 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 everyone
0.4% Very low
0%0,5%1,5%4%10%≥25%
Lower-failure-rate sector −Young company +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€74k
Working capital€159k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 02-03-2026 with the NBB · fiscal year 2025 · micro
Sector comparison
Fiscal year 2025 · NACE 62, Computer programming & consultancy · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 96.0% 62.2%
better than 95% of 2749 sector peers
Net result €74k €40k
better than 82% of 2751 sector peers
Equity €159k €62k
better than 84% of 2750 sector peers
Gross operating margin €93k €63k
better than 73% of 2751 sector peers
Total assets €166k €121k
better than 66% of 2751 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositmicro
Revenue-
EBITDA-
Net profit€74k
Cash flow-
Staff costs-
Income taxes€19k
Dividends€39k
Total assets€166k
Equity€159k
Debt€7k
of which ≤ 1y€7k
of which > 1y-
Working capital€159k
Employees (FTE)-
Ratios (computed)
2025
Current ratio25.06
Quick ratio25.06
Working capital ratio95.8%
Solvency96.0%
Debt / equity0.04
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA44.7%
ROE46.5%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€166k
Fixed assets 21/28€350
Financial fixed assets 28€350
Current assets 29/58€166k
Amounts receivable within one year 40/41€50k
Investments 50/53€60k
Cash & bank 54/58€54k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€166k
Equity 10/15€159k
Contributions / capital 10/11€2k
Reserves 13€157k
Amounts payable 17/49€7k
Amounts payable within one year 42/48€7k
Trade debts payable within one year 44€192
Income statement
Gross operating margin 9900€93k
Operating result 9901€93k
Financial income 75€503
Financial charges 65€203
Result before taxes 9903€93k
Income taxes 67/77€19k
Net result for the period 9904€74k
Result to be appropriated 9905€74k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
85 / 100 Excellent
050100
Computed from 3 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Henrilei 952930 Brasschaat

Establishment units

1 location
BerMaCon
Henrilei 95, 2930 BrasschaatOntwerpen en programmeren van computerprogramma's
since 20202.310.505.950
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area855 m²
Buildings1
Building footprint136 m²
Volume (LiDAR)750 m³
Tallest building9.3 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
11323F0055/00T002 Flanders 855 m² 1 · 136 m² 9.3 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

1 acts
Address history · 1
04-05-2023
Registered-office move
All acts · 1 updated 3 years ago
2023
04-05-2023 Registered office moved from Deurne to Brasschaat Registered-office change
  • Waalhofstraat 9, 2100 Deurne → Henrilei 95 2930 Brasschaat

Analysis

Snowflake analysis

financial profile on 5 axes
Health85Profitability100Solvency100Growth-Stability79
91 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 85
Profitability 100
Solvency 100
Growth -
Stability 79

Ask AI about this company

Checked AI

Soon: 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 soon

AI due-diligence brief

Checked AI

Generate 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 amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 2,789 of the 16,731 companies in this sector. 2,118 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Ontwerpen en programmeren van computerprogramma's62010Ontwerpen van computerprogramma’s62100
Primary activity highlighted.
Names & trade names
Legal nameNL BerMaCon
Registered office
Henrilei 95
2930 Brasschaat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.