What does BERCOFIN do?

BERCOFIN is registered with the CBE as active in: Activiteiten van holdings. Public Limited, started on 30 December 1997, 1 establishment.

What is the address of BERCOFIN?

The registered office of BERCOFIN is located at Korenlei 17/19, 9000 Gent.

Is BERCOFIN still active?

Yes. According to the CBE (29 October 2026) BERCOFIN is active, legal situation “Normale toestand”, started on 30 December 1997.

Is BERCOFIN registered on Peppol?

Yes, BERCOFIN is registered on the Peppol network with ID 0208:0462301901.

What is the enterprise number of BERCOFIN?

The enterprise number of BERCOFIN is BE0462301901.

When was BERCOFIN founded?

BERCOFIN was founded on 30 December 1997.

Who are the directors of BERCOFIN?

According to the 2025 annual accounts, the directors of BERCOFIN are: CHEZVAL BV, Dominiek De Clerck, ManaMax BV, Alexandra De Clerck, Charlinvest BV, MABETH BV.

Is BERCOFIN a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 30 December 1997; 5 annual accounts filed, latest fiscal year 2025; 6 directors known from the annual account.

How much profit did BERCOFIN make in 2025?

BERCOFIN posted a profit after taxes of € 1,555,126 in financial year 2025.

What is the revenue of BERCOFIN?

As a small company, BERCOFIN is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € -418,702.

How much does an employee at BERCOFIN earn?

The average wage cost per full-time employee at BERCOFIN was € 97,400 in 2025: staff costs of € 233,715 for 2.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does BERCOFIN have?

According to the 2025 annual accounts, BERCOFIN has 2.4 full-time equivalents (FTE).

BERCOFIN (Public Limited) - Gent - BE0462301901

Dossier BERCOFIN, printed on 29 October 2026 from databakkes.be/en/0462301901/bercofin. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Financials

Financial year 2025

BERCOFIN from Gent, company number BE0462301901, closed financial year 2025 with a result of € 1.6 million after tax. For that financial year BERCOFIN recorded a gross margin of € -418,702 and equity of € 218.8 million. Compared with financial year 2024, the result moved from € -311,630 to € 1.6 million. Profitable, and profit is growing. 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 July 24, 2026.

What it is worth Growing

€ 218.8 million

▲ 1% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 1.6 million

▲ still € 311,630 loss in 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 3.6 million

▲ 29% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 45,000 paid out

3 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

2.4

Average over the fiscal year, from the social balance sheet.

Wage cost

€ 233,715

▲ 85% vs 2024

€ 97,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 3.4 million

▲ 7% vs 2024

Of which on lease € 3.3 million.

Debts at end 2025

Bank debt ≈ 5 years to go The accounts give the long-term loan and the part due within the year. The remainder divided by that part is the number of years at an equal pace; a new loan or early repayment changes it.

€ 8.7 million

▲ 37% vs 2024

€ 415,382 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.

Owed to suppliers

€ 191,943

▼ 14% vs 2024

Supplier invoices still open on the last day of the fiscal year.

Wages and social charges

€ 32,475

▼ 64% vs 2024

Wages, holiday pay and social contributions still to pay. No outstanding taxes.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ -62,269 Gross margin 2022: € -62,269 First fiscal year in the series	€ -174,660 Gross margin 2023: € -174,660 ▼ € 112,390 vs 2022 (€ -62,269) Unfavourable step	€ -97,193 Gross margin 2024: € -97,193 ▲ € 77,467 vs 2023 (€ -174,660) Favourable step	€ -418,702 Gross margin 2025: € -418,702 ▼ € 321,509 vs 2024 (€ -97,193) Unfavourable step	▼ € 321,509
Profit after taxes	€ -234,218 Profit after taxes 2022: € -234,218 First fiscal year in the series	€ -805,268 Profit after taxes 2023: € -805,268 ▼ € 571,050 vs 2022 (€ -234,218) Unfavourable step	€ -311,630 Profit after taxes 2024: € -311,630 ▲ € 493,638 vs 2023 (€ -805,268) Favourable step	€ 1,555,126 Profit after taxes 2025: € 1,555,126 ▲ € 1.9 million vs 2024 (€ -311,630) Favourable step	▲ € 1.9 million
Equity	€ 3,733,853 Equity 2022: € 3,733,853 First fiscal year in the series	€ 71,847,659 Equity 2023: € 71,847,659 ▲ € 68.1 million vs 2022 (€ 3,733,853) Favourable step	€ 217,269,724 Equity 2024: € 217,269,724 ▲ 202% vs 2023 (€ 71,847,659) Favourable step	€ 218,779,851 Equity 2025: € 218,779,851 ▲ 1% vs 2024 (€ 217,269,724) Favourable step	▲ 1%
Total debts	€ 9,555,227 Total debts 2022: € 9,555,227 First fiscal year in the series	€ 14,618,871 Total debts 2023: € 14,618,871 ▲ 53% vs 2022 (€ 9,555,227) Unfavourable step	€ 11,184,063 Total debts 2024: € 11,184,063 ▼ 23% vs 2023 (€ 14,618,871) Favourable step	€ 12,161,519 Total debts 2025: € 12,161,519 ▲ 9% vs 2024 (€ 11,184,063) Unfavourable step	▲ 9%
Cash	€ 51,707 Cash 2022: € 51,707 First fiscal year in the series	€ 6,537 Cash 2023: € 6,537 ▼ 87% vs 2022 (€ 51,707) Unfavourable step	€ 2,830,058 Cash 2024: € 2,830,058 ▲ € 2.8 million vs 2023 (€ 6,537) Favourable step	€ 3,639,842 Cash 2025: € 3,639,842 ▲ 29% vs 2024 (€ 2,830,058) Favourable step	▲ 29%
Retained profit	€ 2,020,116 Retained profit 2022: € 2,020,116 First fiscal year in the series	€ 1,214,848 Retained profit 2023: € 1,214,848 ▼ 40% vs 2022 (€ 2,020,116) Unfavourable step	€ 146,014,910 Retained profit 2024: € 146,014,910 ▲ € 144.8 million vs 2023 (€ 1,214,848) Favourable step	€ 147,525,036 Retained profit 2025: € 147,525,036 ▲ 1% vs 2024 (€ 146,014,910) Favourable step	▲ 1%
Dividend	€ 0 Dividend 2022: € 0 First fiscal year in the series	€ 0 Dividend 2023: € 0 Unchanged (€ 0) Unchanged	€ 0 Dividend 2024: € 0 Unchanged (€ 0) Unchanged	€ 45,000 Dividend 2025: € 45,000 Unchanged (€ 0) Unchanged
Bank debt	€ 0 Bank debt 2022: € 0 First fiscal year in the series	€ 986,608 Bank debt 2023: € 986,608 Unchanged (€ 0) Unfavourable step	€ 6,357,184 Bank debt 2024: € 6,357,184 ▲ € 5.4 million vs 2023 (€ 986,608) Unfavourable step	€ 8,725,458 Bank debt 2025: € 8,725,458 ▲ 37% vs 2024 (€ 6,357,184) Unfavourable step	▲ 37%
Balance sheet total	€ 13,289,080 Balance sheet total 2022: € 13,289,080 First fiscal year in the series	€ 86,466,530 Balance sheet total 2023: € 86,466,530 ▲ € 73.2 million vs 2022 (€ 13,289,080) Unchanged	€ 228,453,788 Balance sheet total 2024: € 228,453,788 ▲ 164% vs 2023 (€ 86,466,530) Unchanged	€ 230,941,370 Balance sheet total 2025: € 230,941,370 ▲ 1% vs 2024 (€ 228,453,788) Unchanged	▲ 1%
Employees (FTE)	-	0.7 Employees (FTE) 2023: 0.7 First fiscal year in the series	-	2.4 Employees (FTE) 2025: 2.4 First fiscal year in the series

Key figures of BERCOFIN, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.

What happened to BERCOFIN?

What happened at BERCOFIN in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2032 CHEZVAL BV stepped down as director. NBB
2032 Dominiek De Clerck stepped down as director. NBB
2032 ManaMax BV stepped down as director. NBB
2032 Alexandra De Clerck stepped down as director. NBB
2032 Charlinvest BV stepped down as director. NBB
2032 MABETH BV stepped down as director. NBB
Jul 24, 2026 New annual accounts for financial year 2025: profit of € 1.6 million. Source: NBB ↗
2026 CHEZVAL BV became a director. NBB

In short

From € 234,218 loss in 2022 to € 1.6 million profit in 2025.

Paid € 37,075 in corporate taxes since 2022.

Best year ever: 2025, with € 1.6 million profit.

Paid out € 45,000 in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

BERCOFIN

Ter Lembeek International 100%

Immo Desan 100%

Cefima 100%

Steenhout 94.4%

It owns 100% of Ter Lembeek International, 100% of Immo Desan, 100% of Cefima, 94.4% of Steenhout and 13.2% of Beaulieu International Group itself.

Directors

According to the 2025 annual accounts

CHEZVAL BV

Director · represented by Valérie De Clerck

Also active at: CURAFYT

since 2026 · until 2032

Dominiek De Clerck

Managing director

Also active at: The Waterfront Collection

since 2026 · until 2032

ManaMax BV

Managing director · represented by Maxime De Clerck

Also active at: TER LEMBEEK INTERNATIONAL, Beaulieu Real Estate, BURCHTDAM, IMMOWILLCO, CEFIMA, AMPLA HOUSE PROPERTIES, MAHY, Lease Estate +2 more

since 2026 · until 2032

Alexandra De Clerck

Director

since 2026 · until 2032

Charlinvest BV

Director · represented by Charlotte De Clerck

since 2026 · until 2032

MABETH BV

Director · represented by Elisabeth De Clerck

since 2026 · until 2032

Establishments

Establishment units

Physical locations of this company

Registered office

Korenlei 17/19

9000 Gent

2.085.458.131

Korenlei 17-19

9000 Gent

Active since 17 February 1998

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.

All companies at this address →

BERCOFAM

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0462.301.901

VAT number

BE 0462.301.901

Registered office

Korenlei 17/19, 9000 Gent

Names & denominations

BERCOFIN

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

30 December 1997

Peppol

Active · Active since 22 Apr 2025

Activities · NACE

Activiteiten van holdings

Holdings

View on CBE Public ↗ Annual accounts (NBB) ↗

BERCOFIN

Financials

What happened to BERCOFIN?

Management

Directors

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions