BERTRAND-YSEWYN
ActiveSummary
BERTRAND-YSEWYN has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €863k and a net result of €235k. Equity is growing by ~27% per year across the filed fiscal years. Its solvency ranks better than 47% of 16546 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-4
Solvency85▼-15
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 5.03 against 10.39 in 2024; short-term debt: 8.7% and cash: 13.3% of total assets), and 40.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
59.9%
Return on assets
16.3%
Age of the figures
9 mo
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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
30 d early
2023
19 d early
2022
7 d early
2021
4 d early
2020
9 d early
2019
4 d early
← 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€863k▲ 0.6%
2024 · €857k
2018: €149k
2019: €149k
2020: €240k
2021: €378k
2022: €517k
2023: €638k
2024: €857k
2018 → 2025
Total assets
€1.44M▲ 26.6%
2024 · €1.14M
2018: €411k
2019: €408k
2020: €424k
2021: €526k
2022: €656k
2023: €749k
2024: €1.14M
2018 → 2025
Net result
€235k▲ 7.0%
2024 · €219k
2018: €106k
2019: €116k
2020: €91k
2021: €138k
2022: €204k
2023: €196k
2024: €219k
2018 → 2025
Working capital
€503k▼ 16.8%
2024 · €605k
2018: €94k
2019: €101k
2020: €178k
2021: €321k
2022: €426k
2023: €554k
2024: €605k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€378k-€517k▲ 36.6%€638k▲ 23.4%€857k▲ 34.4%€863k▲ 0.6%
Operating result€204k-€299k▲ 46.6%€291k▼ 2.6%€314k▲ 7.9%€344k▲ 9.5%
Net result€138k-€204k▲ 48.1%€196k▼ 4.1%€219k▲ 11.8%€235k▲ 7.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.44M
Fixed assets
€814k ▲ 73.2%
Current assets
€628k ▼ 6.2%
Equity and liabilities €1.44M
Equity
€863k ▲ 0.6%
Debt
€578k ▲ 106%
Debt's share of the balance-sheet total rises from 24.7% to 40.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€397k▲
2024 · €361k
Cash flow
€288k▲
2024 · €266k
Current ratio
5.03▼
2024 · 10.39
Quick ratio
5.01▼
2024 · 10.36
Debt to equity
0.67▲
2024 · 0.33
ROE
27.2%▲
2024 · 25.6%
ROA
16.3%▼
2024 · 19.3%
Interest coverage
27.51▼
2024 · 86.33
Debt ≤ 1 year
€125k▲
2024 · €64k
Debt > 1 year
€453k▲
2024 · €217k
Income taxes
€108k▲
2024 · €101k
Staff costs
€52k▲
2024 · €44k
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€1.14M€1.44M▲
Fixed assets21/28€470k€814k▲
Tangible fixed assets22/27€470k€814k▲
Land and buildings22€296k€686k▲
Plant, machinery and equipment23€129k€123k▼
Furniture and vehicles24€5k€4k▼
Other tangible fixed assets26€39k-
Current assets29/58€669k€628k▼
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€117k€3k▼
Other amounts receivable41€117k€3k▼
Current investments50/53€427k€427k=
Cash at bank and in hand54/58€120k€191k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.44M▲
Equity10/15€857k€863k▲
Contributions10/11€6k€6k=
Reserves13€851k€856k▲
Distributable reserves133€851k€856k▲
Amounts payable17/49€281k€578k▲
Amounts payable after more than one year17€217k€453k▲
Financial debts170/4€217k€453k▲
Amounts payable within one year42/48€64k€125k▲
Current portion of amounts payable after more than one year42€32k€54k▲
Trade debts44€4k€19k▲
Suppliers440/4€4k€19k▲
Taxes, remuneration and social security45€28k€52k▲
Taxes450/3€21k€40k▲
Remuneration and social security454/9€7k€12k▲
Accrued charges and deferred income492/3€420€420=
Income statement
Code20242025
Non-recurring operating income76A€24€27▲
Remuneration, social security and pensions62€44k€52k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€53k▲
Other operating charges640/8€30k€40k▲
Gross operating margin9900€435k€489k▲
Operating profit (loss)9901€314k€344k▲
Financial income75/76B€10k€13k▲
Recurring financial income75€10k€13k▲
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€14k▲
Profit (loss) for the period before taxes9903€320k€343k▲
Income taxes67/77€101k€108k▲
Profit (loss) for the period9904€219k€235k▲
Profit (loss) for the period to be appropriated9905€219k€235k▲
Appropriation of the result
Profit (loss) to be appropriated9906€219k€235k▲
Transfer from equity791/2-€229k
Transfer to equity691/2€219k€235k▲
To other reserves6921€219k€235k▲
Profit to be distributed694/7-€229k
Return on contributions (dividend)694-€229k
The notes to these accounts (9 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €235k ▲7%
Operating result €344k, net result €235k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €517k ▲36.6%
5 profitable years in a row build equity to €517k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €91k ▼21.5%
Net result drops to €91k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.34
Current ratio from 1.54 to 4.34; short-term debt falls from €187k to €53k.
31-12
Financial
Equity above €200kEq €240k ▲61.1%
3 profitable years in a row build equity to €240k.
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bilzen-Hoeselt · 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.
Brugstraat 413740 Bilzen-HoeseltGround area
939 m²
Building footprint
545 m²
Volume, LiDAR
5,717 m³
Parcel 73006M0281/00F000, Flanders · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Tandartspraktijk Bertrand - Ysewyn
since 20092.245.261.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006M0281/00F000 | Flanders | 939 m² | 1 · 545 m² | 14.8 m · 4 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
VAN QUICKELBERGHE LIEN
BE 0627.718.177
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TANDKLINIEK MERELBEKE
BE 0874.483.407
Merelbeke-Melle · Eq €862,238
AARDENT
BE 0539.799.357
Edegem · Eq €862,186
PATRICK GEMOETS
BE 0475.820.038
Hannut · Eq €863,944
DE BRUYNE - ZUTTERMAN
BE 0845.705.089
Lichtervelde · Eq €864,616
Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,058 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
Founded20-04-2009
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.