Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
Bertrand Charles from Kortrijk, company number BE0425728149, closed financial year 2025 with a result of € 5,126 after tax. For that financial year Bertrand Charles recorded a gross margin of € 50,589 and equity of € 134,631. Compared with financial year 2024, the result moved from € 33,608 to € 5,126. The company is profitable. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on April 30, 2026.
€ 134,631
▲ 4% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 5,126
▼ 85% vs 2024
Profit after tax over the fiscal year.
€ 63,230
▼ 20% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 115,631.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 34,283
▲ 15% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 2,419
▼ 27% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 29,283
▼ 35% vs 2024
€ 16,558 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 106,558
▼ 10% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,591
▼ 55% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 53,089 | € 53,479 | € 82,405 | € 50,589 | ▼ 39% |
| Profit after taxes | € 4,158 | € 5,971 | € 33,608 | € 5,126 | ▼ 85% |
| Equity | € 89,925 | € 95,896 | € 129,505 | € 134,631 | ▲ 4% |
| Total debts | € 225,939 | € 173,431 | € 184,562 | € 144,016 | ▼ 22% |
| Cash | € 90,945 | € 30,185 | € 78,897 | € 63,230 | ▼ 20% |
| Land & buildings | € 133,688 | € 129,302 | € 124,915 | € 120,529 | ▼ 4% |
| Retained profit | € 70,925 | € 76,896 | € 110,505 | € 115,631 | ▲ 5% |
| Bank debt | € 81,264 | € 61,038 | € 45,385 | € 29,283 | ▼ 35% |
| Balance sheet total | € 315,864 | € 269,327 | € 314,067 | € 278,647 | ▼ 11% |
Key figures of Bertrand Charles, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 April 2027.
What happened to Bertrand Charles?
What happened at Bertrand Charles in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 5,126 (▼ 85% vs 2024). Source: NBB ↗
- New establishment in Kortrijk. KBO
- Start of the company according to the CBE. KBO
- Charles Bertrand became a director. NBB
In short
From € 4,158 profit in 2022 to € 5,126 profit in 2025.
Paid € 19,966 in corporate taxes since 2022.
Best year ever: 2024, with € 33,608 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of BEPA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Bertrand CharlesBehind Bertrand Charles is Charles Bertrand. The shares are held by BEPA (48%).
Establishments
Establishment units
Physical locations of this company
Kortrijksestraat(Heu) 139
8501 Kortrijk
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0425.728.149
- VAT number
- BE 0425.728.149
- Registered office
- Kortrijksestraat(Heu) 139, 8501 Kortrijk
- Names & denominations
- Bertrand Charles
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 November 1983
- Peppol
- Not registered
- Activities · NACE
Activiteiten van verzekeringsagenten en -makelaars
Verzekeringsmakelaars en -agenten