BERNA INTERNATIONAL
ActiveThe computed 12-month bankruptcy probability of BERNA INTERNATIONAL is 2.0% (moderate). The 2025 annual accounts show equity of €2k and a net result of €-802. Equity is shrinking by ~17.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 52% of 4486 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-15
Solvency68▲+27
Growth38▲+16
Track record100
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Age of the figures
Age of the figures
9 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
357 d late
2023
719 d late
2022
17 d early
2021
20 d early
2020
22 d early
2019
3 d late
← before the deadline
after the deadline →
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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€13k▼ 30.9%
2022 · €18k
2018: €25k
2019: €20k
2020: €11k
2021: €2k
2022: €18k
2018 → 2023
EBIT margin
-18.0%▼ 12.6pp
2022 · -5.3%
2018: -5.8%
2019: -15.6%
2020: 17.8%
2021: -68.9%
2022: -5.3%
2018 → 2023
Net result
€-802▲ 48.9%
2024 · €-2k
2018: €-2k
2019: €-3k
2020: €2k
2021: €-1k
2022: €-1k
2023: €-2k
2024: €-2k
2018 → 2025
Working capital
€1k▼ 44.8%
2024 · €2k
2018: €9k
2019: €6k
2021: €7k
2022: €6k
2023: €3k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2k-€18k▲ 986%€13k▼ 30.9%
Equity€8k-€7k▼ 13.3%€4k▼ 34.8%€3k▼ 36.3%€2k▼ 29.1%
Operating result€-1k-€-971▲ 16.1%€-2k▼ 133%€-2k▲ 32.7%€-757▲ 50.4%
Net result€-1k-€-1k▲ 15.5%€-2k▼ 127%€-2k▲ 32.1%€-802▲ 48.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €757 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5k
Fixed assets
€930=
Current assets
€4k▼ 77.7%
Equity and liabilities €5k
Equity
€2k▼ 29.1%
Debt
€3k▼ 82.0%
The debt ratio falls from 84.0% to 57.1%. Equity and debt are lower.
Key figures and ratios
Debt
€3k▼
2024 · €14k
Debt ≤ 1 year
€3k▼
2024 · €14k
Ratios withheld: a balance sheet total of €5k is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€17k€5k▼
Fixed assets21/28€930€930=
Financial fixed assets28€930€930=
Current assets29/58€16k€4k▼
Amounts receivable within one year40/41€12k-
Trade receivables40€11k-
Other amounts receivable41€332-
Cash at bank and in hand54/58€4k€4k▼
Deferred charges and accrued income490/1€451-
Equity and liabilities
Total equity and liabilities10/49€17k€5k▼
Equity10/15€3k€2k▼
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€680€680=
Non-distributable reserves130/1€680€680=
Legal reserve130€680€680=
Profit (loss) carried forward14€-4k€-5k▼
Amounts payable17/49€14k€3k▼
Amounts payable within one year42/48€14k€3k▼
Trade debts44€5k-
Suppliers440/4€5k-
Taxes, remuneration and social security45€4k-
Taxes450/3€280-
Remuneration and social security454/9€4k-
Other amounts payable47/48€5k€3k▼
Accrued charges and deferred income492/3€33-
Income statement
Code20242025
Non-recurring operating income76A-€11k
Goods, raw materials, services and sundry goods60/61€770€451▼
Remuneration, social security and pensions62€755-
Other operating charges640/8-€12k
Gross operating margin9900€-770€11k▲
Operating profit (loss)9901€-2k€-757▲
Financial charges65/66B€45€45=
Recurring financial charges65€45€45=
Non-recurring financial charges66B-€45
Profit (loss) for the period before taxes9903€-2k€-802▲
Profit (loss) for the period9904€-2k€-802▲
Profit (loss) for the period to be appropriated9905€-2k€-802▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-5k▼
Profit (loss) brought forward from the previous period14P€-3k€-4k▼
The notes to these accounts (1 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 357 days late
20-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 719 days late
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
31-12
Financial
Weakest financial yearnet €-3k
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
08-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 69 days late
2017
13-10
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 74 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 2009
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.
Van Ooststraat 121030 SchaarbeekGround area
103 m²
Building footprint
90 m²
Volume, LiDAR
915 m³
Parcel 21910E0123/00X004, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Van Ooststraat 12, 1030 Schaarbeek
since 20092.257.694.497
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21910E0123/00X004 | Brussels | 102 m² | 1 · 90 m² | 15.5 m · 4 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.
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Of 7,356 companies in sector 81210 we hold annual accounts for 2,735. 716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-04-2009
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.