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BCM BERNARDI

Active
Private limited companyfounded 198442 yrs activeKloosterstraat 40, 2000 Antwerpen, BelgiumKBO/BCE: BE 0426.045.378
Summary

BCM BERNARDI has been active since 1984 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €397,098 and a net result of -€9,300. Equity is shrinking by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 12386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
BCM BERNARDIActiveChecked score 95/100
Risk analysis ReportCompare

Overview

Activity
Retail sale of lighting equipment
NACE 47552NACE 47592
1 site
Size
€435,589total assets 2025
Staff
0.8 FTE
Equity
€397,098
Loss
-€9,300
Turnover not published (abridged schema)
Financial health
95 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts 42 d early0 of 4 deeds read
Why 95- Sector Retail trade (NACE 47)+ Liquidity: current ratio 10.94, cash €255,402+ Equity €397,098 (91.2% of total assets)+ Founded in 1984Show the evidence

Checked score

Score 2025
95 / 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 91.2% of total assets
Liquidity 100=
short-term debt 8.8% · cash 58.6%
Profitability 16+7
return on assets -2.1%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,158 companies)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● 0.0% vs 11-2024 01-2025: 0.1%● 0.0% vs 12-2024 02-2025: 0.1%▲ +7.6% vs 01-2025highest value 03-2025: 0.1%● 0.0% vs 02-2025highest value 04-2025: 0.1%▼ -3.1% vs 03-2025 05-2025: 0.1%● 0.0% vs 04-2025 06-2025: 0.1%● 0.0% vs 05-2025 07-2025: 0.1%● 0.0% vs 06-2025 08-2025: 0.1%● 0.0% vs 07-2025 09-2025: 0.1%▼ -6.5% vs 08-2025 10-2025: < 0.1%▼ -61.7% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%● 0.0% vs 12-2025 02-2026: < 0.1%● 0.0% vs 01-2026 03-2026: < 0.1%● 0.0% vs 02-2026 04-2026: < 0.1%● 0.0% vs 03-2026 05-2026: < 0.1%● 0.0% vs 04-2026 06-2026: < 0.1%● 0.0% vs 05-2026 07-2026: < 0.1%● 0.0% vs 06-2026 08-2026: < 0.1%▼ -2.3% vs 07-2026 09-2026: < 0.1%▼ -2.3% vs 08-2026lowest value 10-2026: < 0.1%▲ +7.1% vs 09-2026
  • Liquidity: current ratio 10.94, cash €255,402 lowers the probability
  • Equity €397,098 (91.2% of total assets) lowers the probability
  • Founded in 1984 lowers the probability for this profile
  • Sector Retail trade (NACE 47) raises the probability
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 10.94 against 10.95 in 2024; short-term debt: 8.8% and cash: 58.6% of total assets), and 8.8% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 92%, liquidity 99%, profitability 20%, growth against the median 34%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 10.94, cash €255,402
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €397,098 (91.2% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Founded in 1984
In the bankruptcy model this factor lowers the probability for this profile.
KBO
raises risk · Sector Retail trade (NACE 47)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
19202122232425
2019 to 2025 · latest year -€9,300
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 19-09-2025, 42 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
42 d early
2024
27 d early
2023
6 d early
2022
4 d early
2021
10 d early
2020
1 d early
2019
8 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.

Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 21 October (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
31-03-2026 close06-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Annual accounts filedfiscal year 2024 · abbreviated…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Risk: 6 loss-making years in a rowloss fiscal year 2025 -€9,300 View
  • Positive: Among the best 5% on solvencysector median 37.1% · 12,386 companies 91.2% View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View

By topic

Financials

Fiscal year
2025
Total assets
€435,589
Loss
-€9,300
Solvency
91.2%
Total assets▼ 2.3%
Net result
20192025
Go to Financials

Timeline

Events
11
Since
2016
Next accounts
by 31-10-2026
  1. 19-09-2025Annual accounts filed
  2. 04-10-2024Annual accounts filed
  3. 25-10-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of lighting equipmentNACE 47552
Founded
25-06-1984
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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