KERGER BUREAUTIQUE
ActiveKERGER BUREAUTIQUE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €71k and a net result of €5k. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 42% of 106 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2026
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability57▲+16
Solvency59▼-13
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 6.44 against 6.37 in 2025; short-term debt: 13.5% and cash: 20.3% of total assets), but 65.7% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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 2026Solvency, return and age of the figures
Solvency
34.3%
Return on assets
2.3%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 29-07-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
94 d early
2025
31 d early
2024
92 d early
2023
123 d early
2022
on the day
2021
61 d early
2020
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€71k▼ 33.0%
2025 · €106k
2019: €65k
2020: €81k
2021: €104k
2022: €111k
2023: €118k
2024: €102k
2025: €106k
2019 → 2026
Total assets
€207k▼ 7.3%
2025 · €223k
2019: €205k
2020: €185k
2021: €184k
2022: €186k
2023: €196k
2024: €189k
2025: €223k
2019 → 2026
Net result
€5k▲ 34.4%
2025 · €3k
2019: €24k
2020: €16k
2021: €9k
2022: €7k
2023: €7k
2024: €3k
2025: €3k
2019 → 2026
Working capital
€152k▼ 8.2%
2025 · €166k
2019: €68k
2020: €101k
2021: €121k
2022: €136k
2023: €152k
2024: €164k
2025: €166k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€111k-€118k▲ 6.4%€102k▼ 13.4%€106k▲ 3.4%€71k▼ 33.0%
Operating result€11k-€11k▼ 1.5%€9k▼ 19.2%€12k▲ 32.1%€12k▲ 6.6%
Net result€7k-€7k▼ 3.6%€3k▼ 56.2%€3k▲ 11.6%€5k▲ 34.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 7% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €207k
Fixed assets
€27k▲ 0.8%
Current assets
€180k▼ 8.4%
Equity and liabilities €207k
Equity
€71k▼ 33.0%
Debt
€136k▲ 16.0%
The debt ratio rises from 52.5% to 65.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▲
2025 · €14k
Cash flow
€12k▲
2025 · €6k
Solvency
34.3%▼
2025 · 47.5%
Current ratio
6.44▲
2025 · 6.37
Quick ratio
1.84▼
2025 · 2.17
Debt / equity
1.92▲
2025 · 1.11
ROE
6.6%▲
2025 · 3.3%
ROA
2.3%▲
2025 · 1.6%
Interest coverage
4.19▲
2025 · 2.47
Debt
€136k▲
2025 · €117k
Debt ≤ 1 year
€28k▼
2025 · €31k
Debt > 1 year
€103k▲
2025 · €80k
Income taxes
€4k▲
2025 · €3k
Staff costs
€62k▼
2025 · €73k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€223k€207k▼
Fixed assets21/28€27k€27k▲
Tangible fixed assets22/27€26k€27k▲
Plant, machinery and equipment23-€6k
Furniture and vehicles24€26k€20k▼
Financial fixed assets28€363€363=
Current assets29/58€196k€180k▼
Stocks and contracts in progress3€130k€129k▼
Stocks30/36€130k€129k▼
Amounts receivable within one year40/41€10k€7k▼
Trade receivables40€10k€7k▼
Other amounts receivable41-€441
Cash at bank and in hand54/58€55k€42k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€223k€207k▼
Equity10/15€106k€71k▼
Contributions10/11€20k€20k=
Reserves13€84k€49k▼
Distributable reserves133€84k€49k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€117k€136k▲
Amounts payable after more than one year17€80k€103k▲
Financial debts170/4€18k-
Other amounts payable178/9€62k€103k▲
Amounts payable within one year42/48€31k€28k▼
Current portion of amounts payable after more than one year42€6k-
Trade debts44€7k€16k▲
Suppliers440/4€7k€16k▲
Taxes, remuneration and social security45€18k€10k▼
Taxes450/3€4k€5k▲
Remuneration and social security454/9€14k€5k▼
Other amounts payable47/48-€2k
Accrued charges and deferred income492/3€7k€5k▼
Income statement
Code20252026
Remuneration, social security and pensions62€73k€62k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€7k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€89k€83k▼
Operating profit (loss)9901€12k€12k▲
Financial income75/76B€424€574▲
Recurring financial income75€424€574▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€6k€8k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€3k€5k▲
Transfer from tax-exempt reserves789€2k-
Profit (loss) for the period to be appropriated9905€5k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€6k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2-€40k
Transfer to equity691/2€5k€5k▼
To other reserves6921€5k€5k▼
Profit to be distributed694/7-€40k
Return on contributions (dividend)694-€40k
The notes to these accounts (8 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 2027, expected by
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €3k ▼56.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €100kEq €104k ▲28.7%
3 profitable years in a row build equity to €104k.
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Messancy · 1 establishment unit since 2015
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.
Rue des Ardennes,Buvange 286780 MessancyGround area
2,234 m²
Building footprint
983 m²
Volume, LiDAR
4,191 m³
Parcel 81023B1171/00B000, Wallonia · tallest building 5.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KERGER BUREAUTIQUE
since 20152.241.433.636
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 81023B1171/00B000 | Wallonia | 2,233 m² | 1 · 983 m² | 5.3 m · 1 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
KT Labeling
BE 0661.755.675
Temse · Eq €71k
DE BRUYN
BE 0841.193.205
Schilde · Eq €70k
EDITIONS VAN DEN HAUTE
BE 0423.047.088
Putte · Eq €69k
KANTORO
BE 0479.894.038
Tienen · Eq €74k
Economatic
BE 0686.738.620
Schoten · Eq €74k
Of 334 companies in sector 46492 we hold annual accounts for 241. 160 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2015
Fiscal year end31-03
Activities, NACEBEL
46492Wholesale trade
47620Retail trade
47621Retail sale of newspapers and periodicals
47400Retail sale of information and communication equipment
47410Retail trade
82100Office administrative and support services
82190Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.kerger.be
E-mail:compta@kerger.be