VAN den BERGH
ActiveSummary
VAN den BERGH has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.30M and a net result of €336k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 83% of 4157 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 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
Profitability92▲+4
Solvency96▲+30
Growth58=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 1.26 in 2024; short-term debt: 28.5% and cash: 58.7% of total assets), and 28.6% 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
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 · 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
71.4%
Return on assets
18.5%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.30M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
22 d late
2022
59 d late
2021
31 d late
2020
12 d late
2019
26 d late
← 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€336k▼ 7.5%
2024 · €364k
2018: €247k
2019: €271k
2020: €243k
2021: €54k
2022: €192k
2023: €349k
2024: €364k
2018 → 2025
Working capital
€744k▲ 103%
2024 · €366k
2018: €1.89M
2019: €1.42M
2020: €1.35M
2021: €752k
2022: €495k
2023: €323k
2024: €366k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.33M-€1.12M▼ 16.2%€967k▼ 13.4%€965k▼ 0.2%€1.30M▲ 34.8%
Operating result€105k-€281k▲ 168%€498k▲ 77.4%€520k▲ 4.5%€475k▼ 8.7%
Net result€54k-€192k▲ 255%€349k▲ 81.5%€364k▲ 4.3%€336k▼ 7.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.82M
Fixed assets
€558k ▼ 6.9%
Current assets
€1.26M ▼ 27.7%
Equity and liabilities €1.82M
Equity
€1.30M ▲ 34.8%
Debt
€521k ▼ 62.4%
Debt's share of the balance-sheet total falls from 58.9% to 28.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€519k▼
2024 · €567k
Cash flow
€381k▼
2024 · €410k
Current ratio
2.43▲
2024 · 1.26
Quick ratio
2.16▲
2024 · 1.14
Debt to equity
0.40▼
2024 · 1.43
ROE
25.8%▼
2024 · 37.7%
ROA
18.5%▲
2024 · 15.5%
Interest coverage
17.12▲
2024 · 13.91
Debt ≤ 1 year
€520k▼
2024 · €1.38M
Income taxes
€117k▼
2024 · €119k
Staff costs
€366k▼
2024 · €396k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.35M€1.82M▼
Fixed assets21/28€599k€558k▼
Tangible fixed assets22/27€594k€553k▼
Land and buildings22€523k€510k▼
Plant, machinery and equipment23€46k€26k▼
Furniture and vehicles24€26k€17k▼
Financial fixed assets28€5k€5k=
Current assets29/58€1.75M€1.26M▼
Stocks and contracts in progress3€173k€140k▼
Stocks30/36€173k€140k▼
Amounts receivable within one year40/41€42k€50k▲
Trade receivables40€42k€50k▲
Current investments50/53€403k-
Cash at bank and in hand54/58€1.13M€1.07M▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€2.35M€1.82M▼
Equity10/15€965k€1.30M▲
Contributions10/11€512k€512k=
Capital10€512k€512k=
Issued capital100€512k€512k=
Reserves13€453k€789k▲
Non-distributable reserves130/1€51k€51k=
Legal reserve130€51k€51k=
Distributable reserves133€402k€738k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€1.38M€521k▼
Amounts payable within one year42/48€1.38M€520k▼
Trade debts44€112k€77k▼
Suppliers440/4€112k€77k▼
Taxes, remuneration and social security45€164k€116k▼
Taxes450/3€91k€49k▼
Remuneration and social security454/9€74k€67k▼
Other amounts payable47/48€1.11M€327k▼
Accrued charges and deferred income492/3€168€671▲
Income statement
Code20242025
Remuneration, social security and pensions62€396k€366k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€45k▼
Other operating charges640/8€15k€18k▲
Gross operating margin9900€977k€903k▼
Operating profit (loss)9901€520k€475k▼
Financial income75/76B€3k€8k▲
Recurring financial income75€3k€8k▲
Financial charges65/66B€41k€30k▼
Recurring financial charges65€41k€30k▼
Profit (loss) for the period before taxes9903€482k€453k▼
Income taxes67/77€119k€117k▼
Profit (loss) for the period9904€364k€336k▼
Profit (loss) for the period to be appropriated9905€364k€336k▼
Appropriation of the result
Profit (loss) to be appropriated9906€364k€336k▼
Transfer from equity791/2€365k€0▼
Transfer to equity691/2€364k€336k▼
To the legal reserve6920-€336k
To other reserves6921€364k-
Profit to be distributed694/7€365k€0▼
Return on contributions (dividend)694€365k€0▼
Social balance
Average headcount (FTE)90878.57.7▼
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
31-12
Financial
Equity above €1MEq €1.30M ▲34.8%
8 profitable years in a row build equity to €1.30M.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €364k ▲4.3%
Operating result €520k, net result €364k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 22 days late
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 59 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €54k ▼77.7%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 26 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Leuven · 1 establishment unit since 1989
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.
Baron Descampslaan 1123018 LeuvenGround area
2,143 m²
Building footprint
775 m²
Volume, LiDAR
4,588 m³
Parcel 24038C0200/00K000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAR
since 19892.121.451.366
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24038C0200/00K000 | Flanders | 2,143 m² | 1 · 775 m² | 10.3 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyLeuven2.121.451.366
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GVDIS
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H.C.S. DISTRIBUTION
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Of 10,519 companies in sector 47110 we hold annual accounts for 5,857. 1,959 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 formPublic limited company
Founded28-02-1989
Fiscal year end31-12
Activities, NACEBEL 2025
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.