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.
€ 218.8 million
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 1.6 million
▲ still € 311,630 loss in 2024
Profit after tax over the fiscal year.
€ 3.6 million
▲ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 45,000 paid out
3 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
2.4
Average over the fiscal year, from the social balance sheet.
€ 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.
€ 3.4 million
▲ 7% vs 2024
Of which on lease € 3.3 million.
Debts at end 2025
€ 8.7 million
▲ 37% vs 2024
€ 415,382 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 191,943
▼ 14% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 32,475
▼ 64% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € -62,269 | € -174,660 | € -97,193 | € -418,702 | ▼ € 321,509 |
| Profit after taxes | € -234,218 | € -805,268 | € -311,630 | € 1,555,126 | ▲ € 1.9 million |
| Equity | € 3,733,853 | € 71,847,659 | € 217,269,724 | € 218,779,851 | ▲ 1% |
| Total debts | € 9,555,227 | € 14,618,871 | € 11,184,063 | € 12,161,519 | ▲ 9% |
| Cash | € 51,707 | € 6,537 | € 2,830,058 | € 3,639,842 | ▲ 29% |
| Retained profit | € 2,020,116 | € 1,214,848 | € 146,014,910 | € 147,525,036 | ▲ 1% |
| Dividend | € 0 | € 0 | € 0 | € 45,000 | |
| Bank debt | € 0 | € 986,608 | € 6,357,184 | € 8,725,458 | ▲ 37% |
| Balance sheet total | € 13,289,080 | € 86,466,530 | € 228,453,788 | € 230,941,370 | ▲ 1% |
| Employees (FTE) | - | 0.7 | - | 2.4 |
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:
- CHEZVAL BV stepped down as director. NBB
- Dominiek De Clerck stepped down as director. NBB
- ManaMax BV stepped down as director. NBB
- Alexandra De Clerck stepped down as director. NBB
- Charlinvest BV stepped down as director. NBB
- MABETH BV stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 1.6 million. Source: NBB ↗
- 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.
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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
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
since 2026 · until 2032
since 2026 · until 2032
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
Director · represented by Charlotte De Clerck
since 2026 · until 2032
Director · represented by Elisabeth De Clerck
since 2026 · until 2032
Establishments
Establishment units
Physical locations of this company
Korenlei 17/19
9000 Gent
Korenlei 17-19
9000 Gent
Active since 17 February 1998
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