PROXY BERCHEM
ActivePROXY BERCHEM has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €132k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 20% of 10252 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-4
Solvency35▼-10
Growth68▼-10
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.86 against 0.91 in 2024; short-term debt: 80.1% and cash: 36.9% of total assets), and 89.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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 2025Solvency, return and age of the figures
Solvency
10.3%
Return on assets
12.4%
Age of the figures
12 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 10252 sector peers (2025).
NBB · sector comparisonPosition among 10252 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
27 d early
2023
11 d early
2022
3 d early
2021
3 d early
2020
16 d early
2019
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€110k▼ 53.3%
2024 · €236k
2018: €110k
2019: €110k
2020: €236k
2021: €236k
2022: €236k
2023: €236k
2024: €236k
2018 → 2025
Total assets
€1.06M▼ 8.8%
2024 · €1.17M
2018: €1.24M
2019: €970k
2020: €927k
2021: €899k
2022: €901k
2023: €1.03M
2024: €1.17M
2018 → 2025
Net result
€132k▼ 43.7%
2024 · €235k
2018: €35k
2019: €67k
2020: €126k
2021: €65k
2022: €76k
2023: €142k
2024: €235k
2018 → 2025
Working capital
€-123k▼ 51.0%
2024 · €-81k
2018: €-186k
2019: €-147k
2020: €-9k
2021: €75k
2022: €135k
2023: €54k
2024: €-81k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€236k=€236k=€236k=€110k▼ 53.3%
Operating result€95k-€107k▲ 12.8%€202k▲ 89.0%€319k▲ 57.5%€180k▼ 43.5%
Net result€65k-€76k▲ 16.3%€142k▲ 86.4%€235k▲ 66.0%€132k▼ 43.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€334k▲ 2.5%
Current assets
€729k▼ 13.2%
Equity and liabilities €1.06M
Equity
€110k▼ 53.3%
Debt
€953k▲ 2.5%
The debt ratio rises from 79.8% to 89.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€237k▼
2024 · €368k
Cash flow
€189k▼
2024 · €284k
Solvency
10.3%▼
2024 · 20.2%
Current ratio
0.86▼
2024 · 0.91
Quick ratio
0.50▼
2024 · 0.58
Debt / equity
8.67▲
2024 · 3.95
ROE
120.3%▲
2024 · 99.8%
ROA
12.4%▼
2024 · 20.2%
Interest coverage
38.04▲
2024 · -121.06
Debt
€953k▲
2024 · €930k
Debt ≤ 1 year
€852k▼
2024 · €921k
Income taxes
€50k▼
2024 · €88k
Staff costs
€655k▲
2024 · €562k
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€1.17M€1.06M▼
Fixed assets21/28€326k€334k▲
Tangible fixed assets22/27€171k€179k▲
Plant, machinery and equipment23€110k€133k▲
Furniture and vehicles24€3k€1k▼
Other tangible fixed assets26€59k€45k▼
Financial fixed assets28€155k€155k=
Current assets29/58€840k€729k▼
Stocks and contracts in progress3€306k€306k=
Stocks30/36€306k€306k=
Amounts receivable within one year40/41€8k€18k▲
Trade receivables40€0€499▲
Other amounts receivable41€8k€17k▲
Current investments50/53€12k€12k=
Cash at bank and in hand54/58€513k€393k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.06M▼
Equity10/15€236k€110k▼
Contributions10/11€100k€100k=
Reserves13€136k€10k▼
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€126k€0▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€930k€953k▲
Amounts payable within one year42/48€921k€852k▼
Trade debts44€523k€432k▼
Suppliers440/4€523k€432k▼
Advances received on contracts in progress46€73€0▼
Taxes, remuneration and social security45€218k€188k▼
Taxes450/3€126k€76k▼
Remuneration and social security454/9€92k€112k▲
Other amounts payable47/48€180k€232k▲
Accrued charges and deferred income492/3€9k€101k▲
Income statement
Code20242025
Non-recurring operating income76A€622€1k▲
Remuneration, social security and pensions62€562k€655k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€57k▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A-€32k
Gross operating margin9900€936k€927k▼
Operating profit (loss)9901€319k€180k▼
Financial income75/76B€1k€9k▲
Recurring financial income75€1k€9k▲
Financial charges65/66B€-3k€6k▲
Recurring financial charges65€-3k€6k▲
Profit (loss) for the period before taxes9903€323k€183k▼
Income taxes67/77€88k€50k▼
Profit (loss) for the period9904€235k€132k▼
Profit (loss) for the period to be appropriated9905€235k€132k▼
Appropriation of the result
Profit (loss) to be appropriated9906€235k€132k▼
Transfer from equity791/2-€126k
Profit to be distributed694/7€235k€258k▲
Return on contributions (dividend)694€235k€258k▲
Social balance
Average headcount (FTE)908716.316.7▲
The notes to these accounts (16 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Highest result since 2018net €235k ▲66%
Operating result €319k, net result €235k, both a record.
19-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
14-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Equity above €200kEq €236k ▲114%
3 profitable years in a row build equity to €236k.
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Antwerpen · 1 establishment unit since 2013
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.
Gitschotellei 772600 AntwerpenGround area
1,468 m²
Building footprint
1,468 m²
Parcel 11302A0051/00N002, Flanders. Linked by address, not a title deed.
1 establishment unit
Proxy Berchem
since 20132.220.535.084
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11302A0051/00N002 | Flanders | 1,468 m² | 1 · 1,468 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 5,942 EUR awarded · 5,942 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2022 | 2 | 5,766 EUR | 5,766 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.220.535.084
Dual-learning approval
6 live approvals · 5 endedCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Similar companies · same sector, comparable size
OUFTICOOP
BE 0728.680.826
Liège · Eq €110k
RM RETAIL GROUP
BE 0778.680.366
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FLORENTIA
BE 0759.587.105
Florennes · Eq €110k
DODO 2017
BE 0671.815.070
Schaarbeek · Eq €110k
M.S.C.
BE 0820.073.830
Mortsel · Eq €110k
Of 10,530 companies in sector 47110 we hold annual accounts for 5,858. 4,615 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2013
Fiscal year end30-09
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
46319Wholesale of fruit and vegetables, excluding potatoes
46332Wholesale trade
46349Wholesale of beverages, general range
46450Wholesale of perfume and cosmetics
46900Non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.