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BERNACO

Active Private limited companyfounded 1991active for 35 yearsDrevendaal 15, 2860 Sint-Katelijne-WaverKBO/BCE: BE 0444.829.033 #9 company by equity in Sint-Katelijne-Waver, Construction sector
BERNACO
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Overview

Lifetime

19 annual accounts with figures on one time axis, 34 filings since 1992
peak €102,563 (2018)
€86,535▲ 32.7%
peak €75,379 (2022)
€44,503▼ 38.9%
peak €765,678 (2025)
€765,678▲ 6.2%
€50,953▲ 21.8%
peak 0 FTE (2025)
0 FTE 
Board2 names since 2022
2 directorsBERTENS Ivo Paul Julia and 1 other
Documentsfilings and deeds
26-01-20265 days before the deadline
2025abbreviated format
Gross margin from €65,202 to €86,535Result from €72,823 to €44,503Debts from €41,847 to €50,953

Key points

from the 2025 annual accounts

Equity

€765,678 ▲ 6.2%

BERNACO has made a profit in every financial year since 2007.

Investments

€5,822 4.2 × depreciation

Green is investment, beige is depreciation.

Filings

34 annual accounts since 1992
deadline200020102020

The last five annual accounts were filed 0 to 14 days before the end of the period.

Checked score

96
Excellent
Financially stronger than 70% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

The dashed line is the sector median: 0.7% across 47,695 companies (NACE 43, micro).

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

Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024highest value 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025lowest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026

Financial strength
Strong

100=equity 93.8% of total assets
92+2short-term debt 6.0% · cash 33.8%
76-5return on assets 5.4%

Score breakdown

raises risk
Sector: Specialised construction activities (NACE 43)
lowers risk
Liquidity: current ratio 7.75, cash €275,617
Equity €765,678 (93.8% of total assets)
Founded in 1991
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 90% of them on solvency, 89% on liquidity, 50% on profitability and 49% on growth.

The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

The probability rests on the annual accounts with balance sheet date 30-06-2025.

Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Comparable companies, two years later

In July 2024, 20,137 companies had the same profile as BERNACO has now. Each dot stands for 51 companies, two years later.

95.0%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
  • Small
  • 20 years or older
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more

That fits the bankruptcy probability of BERNACO itself: < 0.1% within 12 months.

Test of the method

The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.

The companies in ten equal groups, from the lowest to the highest expected share
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.

This is an observation about 20,137 companies, not a prediction for BERNACO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.

Credit verdict

Credit of up to €70,000 on 30-day terms is acceptable

Liquidity is ample, with a current ratio of 7.75 (7.96 in 2024), above the usual 1.5. Short-term debt is 6% and cash 33.8% of total assets. 6.2% of the assets are financed with debt and provisions.

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 7.75, cash €275,617
NBB · annual accounts
lowers risk · Equity €765,678 (93.8% of total assets)
NBB · annual accounts
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Founded in 1991
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
5 days early
2024
on the day
2023
6 days early
2022
4 days early
2021
14 days early
2020
20 days early
2019
43 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 13 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-06-2026 is due by 31-01-2027. Nothing is late today. The company usually files around 26 January (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
30-06-2026 year end07-11-2026 today31-01-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Recent changes

Company renamed from W.Vercammen to BERNACO Resignations: BERTENS Ivo Paul Julia (manager) and VERWERFT Nancy Magda Edmond (manager) · Reappointments: BERTENS Ivo Paul Julia (director) and VERWERFT Nancy Magda Edmond (director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 07-11-2023 · Gazette deed
Registered in the Peppol Directory Reachable for e-invoices through 0208:0444829033
First establishment W. VERCAMMEN BVBA, Drevendaal 15, Sint-Katelijne-Waver
Incorporation published on 29-08-1991 · Gazette deed
All 42 events

Comparable companies

same main activity, similar in size and age
Company
BERNACO Sint-Katelijne-Waver €816,631 €86,535 93.8% 0
LIPINSKI Balen €896,692 €100,826 41.8% 0
GECALOR Kruisem €798,626 €106,149 55.9% 0.1
VromanBouw Tielt €647,485 €71,039 55.9% 0
DE VRIEZE Ghent €639,746 €58,475 96.9% 0
ANTOINE DIERICKX EN ZOON Aalter €498,561 €79,368 65.5% 0
FLIDAIS Duffel €719,404 €114,550 -29.7% 0.3

These companies have the same main activity as BERNACO: installation of electric heating, air conditioning, cooling and ventilation (NACE 43222). They are comparable in size and age: total assets between €499,000 and €897,000, founded between 1985 and 2003.

Official details

Source: KBO
Status
Active since 26-07-1991Normal situation
Activity
Installation of electric heating, air conditioning, cooling and ventilationNACE 43222
Establishment unit
2.054.014.6892860 Sint-Katelijne-Waver, since 02-09-1991
Financial year end
30 June
Peppol
Reachable since 24-11-2023
Company details

Annual accounts to 30-06-2025

€86,535▲ 32.7%
≈ €310,000estimated
€44,503▼ 38.9%
€765,678▲ 6.2%
€816,631▲ 7.0%
Filing
Filed on 26-01-2026, 5 days before the end of the filing period
Financials

Insights on BERNACO

BERNACO files the abbreviated format. That format states no turnover. The gross margin rose from €44,720 in 2007 to €86,535 in 2025.

Sources: KBO register, filings at the National Bank, Belgian Official Gazette.

Financials

Annual accounts 2025

abbreviated format, filed on 26-01-2026, 5 days before the deadline
€86,535
▲ 32.7%
€80,698
▲ 35.4%
€82,075
▲ 34.6%
€45,879
▼ 38.2%
93.8%
▼ 0.8 percentage points
7.75
▼ 0.21

Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.

Turnover ≈ €310,000. Estimated: probably between €240,000 and €460,000.

In the rankings #9 company by equity in Sint-Katelijne-Waver, Construction sector#10 oldest company in Sint-Katelijne-Waver, Construction sector

Money flows

no detail for 2025

Balance sheet

balance sheet total €816,631 on 30-06-2025
What the company ownsHow it is paid for

in euro

in euro

Position in the sector

Compare with sector

93.8%

Higher than 95% of 9,940 companies in 2025.

7.75

Higher than 92% of 9,805 companies in 2025.

5.4%

Higher than 50% of 9,873 companies in 2025.

BERNACO Middle half of the sector 80% of the sector Abbreviated accounts in specialised construction (NACE 43)

Net result: middle half · Equity: top quarter · Balance sheet total: middle half · Working capital: middle half · Staff: bottom quarter

Filed annual accounts

as filed with the National Bank, click a year to choose it
Line Trend2025202420232022202120202019201820172016201520142013201220112010200920082007
Balance sheet: assets
20/58 816,631763,022690,616651,280617,192604,114584,317607,731548,827568,641517,033546,192557,715567,026584,630316,098328,963339,454374,688
21/28 436,281444,336445,705447,073448,442449,811438,021450,755463,489476,523477,236490,449504,163517,472531,980256,673270,133282,446298,456
22/27 161,835157,390158,758160,127161,496162,865151,074163,809176,543189,577202,789216,002229,717243,026257,534256,673270,133282,446298,456
22 161,835157,390158,758160,127161,496162,865151,074163,809176,543189,577202,610215,644229,717242,430256,341254,512267,005281,612296,220
23 ---------0179358-5961,1932,1603,12891183
24 -----------------7422,054
28 274,446286,946286,946286,946286,946286,946286,946286,946286,946286,946274,446274,446274,446274,446274,446----
29/58 380,350318,686244,911204,207168,750154,303146,297156,97785,33892,11839,79755,74353,55249,55452,65059,42558,83157,00876,232
40/41 104,73374,71836,46234,33154,51171,95898,468102,00256,26533,30130,66636,09836,09836,09840,67647,59443,85051,54570,226
40 72,12241,62330,82428,02446,91466,95889,31577,00230,6588,30130,66536,08736,08736,08739,53441,44136,24140,27959,128
41 32,61133,0955,6386,3077,5975,0009,15325,00025,60725,00011111111,1416,1537,60911,26711,098
54/58 275,617241,297203,232163,206114,23976,79442,06244,86024,48356,8736,2719,6649,0624,1552,7672,1748,0102,5104,085
490/1 02,6725,2176,66905,5515,76610,1154,5891,9442,8609,9818,3919,3019,2079,6576,9702,9531,921
Balance sheet: equity and liabilities
10/49 816,631763,022690,616651,280617,192604,114584,317607,731548,827568,641517,033546,192557,715567,026584,630316,098328,963339,454374,688
10/15 765,678721,175648,352574,174498,795436,834395,333372,117325,910319,256250,403229,923212,074198,687194,087186,572178,519163,924159,109
10/11 18,59218,59218,59218,59218,592-18,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,592
100 ------18,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,59218,592
11 -----18,592-------------
1100/10 -----18,592-------------
13 671,002626,499553,676479,498404,119342,158300,657277,441231,234224,580142,339121,859121,859121,859121,859121,859121,859121,859134,806
130/1 -01,8591,8591,8591,859-------------
130 ------1,8591,8591,8591,8591,8591,8591,8591,8591,8591,8591,8591,8591,859
1311 -01,8591,8591,859--------------
1319 -----1,859-------------
132 ------------------12,947
133 671,002626,499551,817477,639402,260340,299298,798275,582229,375222,721140,480120,000120,000120,000120,000120,000120,000120,000120,000
14 76,08476,08476,08476,08476,08476,08476,08476,08476,08476,08489,47289,47271,62358,23653,63646,12138,06823,4735,710
16 -----------24,00024,00024,00024,00024,00024,00024,00024,000
160/5 -----------24,00024,00024,00024,00024,00024,00024,00024,000
17/49 50,95341,84742,26477,106118,397167,280188,984235,614222,916249,384266,630292,269321,640344,339366,543105,526126,445151,530191,579
17 ----------15,99131,37762,84495,266127,14971,20089,379107,558135,171
170/4 ----------15,99131,37762,84495,266127,14971,20089,379107,558135,171
42/48 49,07540,02140,69075,606112,148165,537187,504235,614222,916248,161248,085258,539253,936245,419238,34631,51633,11141,98554,824
42 ---03,785----15,99115,38631,46732,42231,88331,36518,17918,17927,61236,384
43 3,8363,8273,7933,78501,2671,267------------
430/8 3,8363,8273,7933,78501,2671,267------------
44 6,4132,7353,7038,5222,3861,39215,4633,4796,8213,7414,9422,6582,5963,8886,9374,1775,0775,8663,109
440/4 6,4132,7353,7038,5222,3861,39215,4633,4796,8213,7414,9422,6582,5963,8886,9374,1775,0775,8663,109
46 -----------1,8791,8791,8791,8791,8791,8791,8791,879
45 10,32010,6468,9694,2567,08713,36411,65743,20615,94424,59024,19419,76120,10012,5956,8633,4844,1982,8509,673
450/3 7,0447,3905,7511,0903,95810,2208,52140,11012,85424,59024,19419,76120,10012,5956,8633,4844,1982,8509,673
454/9 3,2763,2563,2183,1663,1293,1443,1363,0963,091----------
47/48 28,50622,81324,22459,04498,889149,515159,116188,929200,151203,839203,562202,775196,939195,174191,3023,7983,7793,7793,779
492/3 1,8781,8251,5731,5006,2491,7431,480--1,2242,5542,3534,8603,6541,0482,8093,9541,9861,585
Income statement
70 -------------81,00172,87641,37648,23436,34839,000
76A ---025,629------1,500-------
9900 86,53565,20266,02667,15692,92769,47457,097102,56349,40768,59569,95768,44168,95650,31250,85539,88350,29738,29144,720
60/61 -------------82,21270,59451,58546,23545,20549,451
630 1,3771,3691,3691,3691,3691,89712,73412,73413,03413,21313,21314,25214,80714,50814,92913,46016,40916,01116,934
635/8 -----------24,000--------
640/8 4,4604,2193,7183,4074,3684,4324,4856,20810,7775,6445,8808,70612,0325,2515,3876,7367,4953,4434,442
66A ----------26,571-------4,530
9901 80,69859,61460,93962,38087,19063,14539,87883,62125,59649,73874,86445,48342,11730,55330,53919,68726,39318,83723,344
75/76B 035,00035,00035,000----1850,001254611941010
75 035,00035,00035,000----1850,001254611941010
65/66B 15,0321,8821,3991,1652,8264,6235,8156,6207,4268,99011,11114,30915,85718,43315,3618,9406,9237,61510,654
65 2,5321,8821,3991,1652,8264,6235,8156,6207,4268,99011,11114,30915,85718,43315,3618,9406,9237,61510,654
66B 12,500------------------
9903 65,66692,73294,54096,21584,36458,52334,06377,00118,18890,74937,18432,67926,26412,12615,18910,75519,47411,2328,170
67/77 21,16419,90920,36220,83722,40317,02210,84730,79411,53421,89616,70314,83012,8767,5267,6752,7024,8806,4174,094
9904 44,50372,82374,17875,37961,96141,50023,21646,2076,65468,85320,48017,84913,3884,6007,5158,05414,5944,8164,076
789 -----------------12,9475,803
9905 44,50372,82374,17875,37961,96141,50023,21646,2076,65468,85320,48017,84913,3884,6007,5158,05414,59417,7639,879
Appropriation of the result
9906 120,587148,907150,262151,463138,046117,58599,300122,29182,738158,325109,95289,47271,62358,23653,63646,12138,06823,4735,710
14P 76,08476,08476,08476,084---------------
691/2 44,50372,82374,17875,37961,96141,50023,21646,2076,65482,24120,480--------
6921 44,50372,82374,17875,37961,96141,50023,21646,2076,65482,24120,480--------
Social balance sheet
9087 0------------------
Document PDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDFPDF

The accounts for 15 older financial years (1992-2006) were filed as documents without figures as data, scans for example.

The notes to these accounts have 12 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).

Source: Annual accounts 2025 (PDF), filed on 26-01-2026.

Download as CSV

Filings

each dot is a set of accounts, on the day it reached the National Bank
Financial year Type Filed Reference Document
30-06-2025 abbreviated format 26-01-2026 2026-00013150 PDF
30-06-2024 abbreviated format 31-01-2025 2025-00017727 PDF
30-06-2023 abbreviated format 25-01-2024 2024-00005999 PDF
30-06-2022 abbreviated format 27-01-2023 2023-00005386 PDF
30-06-2021 abbreviated format 17-01-2022 2022-01100033 PDF
30-06-2020 abbreviated format 11-01-2021 2021-00700483 PDF
30-06-2019 abbreviated format 19-12-2019 2019-76600465 PDF
30-06-2018 abbreviated format 30-11-2018 2018-73300581 PDF
30-06-2017 abbreviated format 20-11-2017 2017-69800586 PDF
30-06-2016 abbreviated format 25-11-2016 2016-68500558 PDF
30-06-2015 abbreviated format 26-11-2015 2015-67400282 PDF
30-06-2014 abbreviated format 13-01-2015 2015-01100493 PDF
30-06-2013 abbreviated format 22-01-2014 2014-01200355 PDF
30-06-2012 abbreviated format 04-01-2013 2013-00300449 PDF
30-06-2011 abbreviated format 15-12-2011 2011-63800131 PDF
30-06-2010 abbreviated format 23-11-2010 2010-61000265 PDF
30-06-2009 abbreviated format 04-11-2009 2009-84200390 PDF
30-06-2008 abbreviated format 26-11-2008 2008-82400140 PDF
30-06-2007 abbreviated format 07-11-2007 2007-79700177 PDF
30-06-2006 abbreviated format 30-11-2006 2006-89504341 PDF
30-06-2005 abbreviated format 08-03-2006 2006-06800227 PDF
30-06-2004 abbreviated format 21-04-2005 2005-12604031 PDF
30-06-2003 abbreviated format 08-03-2004 2004-06801832 PDF
30-06-2002 abbreviated format 18-03-2003 2003-07605243 PDF
30-06-2001 abbreviated format 07-12-2001 2001-75002762 PDF
30-06-2000 abbreviated format 07-12-2000 2000-74703619 PDF
30-06-1999 abbreviated format 23-03-2000 2000-06900091 PDF
30-06-1998 abbreviated format 17-11-1998 1998-57405302 PDF
30-06-1997 abbreviated format 11-02-1998 1998-02500011 PDF
30-06-1996 abbreviated format 03-12-1996 1996-52400639 PDF
30-06-1995 abbreviated format 05-12-1995 1995-58902312 PDF
30-06-1994 abbreviated format 25-10-1994 1994-44802896 PDF
30-06-1993 abbreviated format 20-12-1993 1993-46400569 PDF
30-06-1992 abbreviated format 10-12-1992 1992-40202013 PDF

Key figures and ratios

per financial year, computed from the annual accounts
Line Trend2025202420232022202120202019201820172016201520142013201220112010200920082007
82,07560,98362,30863,74988,55965,04252,61296,35538,63062,95088,07659,73556,92445,06145,46833,14742,80234,84840,278
45,87974,19275,54776,74763,33043,39735,95058,94119,68882,06633,69332,10028,19519,10822,44321,51431,00320,82621,010
5,82200015,69313,68700012,50005371,4980290,23604,0960-
34,32138,06540,02648,96737,44634,732-2,79820,376-32,39050,602-3,3936014,9081,388592-5,8365,501-1,575-
331,275278,665204,221128,60156,602-11,234-41,207-78,638-137,579-156,043-208,288-202,796-200,384-195,865-185,69627,90925,71915,02321,408
-------------37.7%41.9%47.6%54.7%51.8%59.9%
93.8%94.5%93.9%88.2%80.8%72.3%67.7%61.2%59.4%56.1%48.4%42.1%38.0%35.0%33.2%59.0%54.3%48.3%42.5%
7.757.966.022.701.500.930.780.670.380.370.160.220.210.200.221.891.781.361.39
0.070.060.070.130.240.380.480.630.680.781.061.271.521.731.890.570.710.921.20
5.8%10.1%11.4%13.1%12.4%9.5%5.9%12.4%2.0%21.6%8.2%7.8%6.3%2.3%3.9%4.3%8.2%2.9%2.6%
5.4%9.5%10.7%11.6%10.0%6.9%4.0%7.6%1.2%12.1%4.0%3.3%2.4%0.8%1.3%2.5%4.4%1.4%1.1%
32.4132.4044.5354.73---------------
-------------163 days198 days366 days274 days404 days553 days
-------------17 days36 days30 days40 days47 days23 days

A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.

Investments

fixed assets acquired
Item30-06-202530-06-202430-06-202330-06-2022
Tangible fixed assets€5,822---
€1,377€1,369€1,369€1,369

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Insights on BERNACO

The operating result for 2025 is 35% higher than in 2024 and the highest since 2021. It is a recovery after the fall in 2024.

Debt's share of the balance-sheet total rises from 5.5% to 6.2%. Equity and debt are higher.

Board & ownership

Board

2 directors, last change in 2024
BERTENS Ivo Paul Julia
Director (not named in the articles)
in office according to the deed of 11-01-2024 term without a fixed end
earlier manager (not named in the articles), until 11-01-2024
listed in the 2025 annual accounts, filed on 26-01-2026
VERWERFT Nancy Magda Edmond
Director (not named in the articles)
in office according to the deed of 11-01-2024 term without a fixed end
earlier manager (not named in the articles), until 11-01-2024
listed in the 2025 annual accounts, filed on 26-01-2026
Signing authorityThe articles say who may bind the company, for example by signing a contract.
Each director alone
deed of 11-01-2024

Office holders in the KBO →

Mandates through the years

2 names, the dashed line is today
BERTENS Ivo Paul Julia
Director (not named in the articles)
VERWERFT Nancy Magda Edmond
Director (not named in the articles)
BoardEarliermandate already running before its first mention
Mandates as a list
  • BERTENS Ivo Paul Julia
    • Director (not named in the articles), since before 30-06-2022
    • Manager (not named in the articles), until 11-01-2024
  • VERWERFT Nancy Magda Edmond
    • Director (not named in the articles), since before 30-06-2022
    • Manager (not named in the articles), until 11-01-2024

See the board, name and registered office on a given date →

Control

See the annual accounts at the National Bank and the publications in the Belgian Official Gazette.

Capital

Contribution
€18,592.01
Source
deed of 11-01-2024

Articles of association

deed of 11-01-2024 (in Dutch)
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of September at 17:00

Network & group

Holdings

own accounts to 30-06-2025, the bar shows equity in euros
This companyBERNACO2 holdings, 1 country accounts to 30-06-2025

Belgium 2 Year Equity Result

  • BE Ivo Bertens 2025€286,845 result €20,737 (2025)
  • BE ODT50%open bankruptcy 2023€48,192 result -€1,986 (2023)

Source: list of holdings in its own 30-06-2025 accounts. Every holding stands with its own latest accounts.

At the same address

Drevendaal 15, 2860 Sint-Katelijne-Waver · 2 other companies
BERTENS Ivo
registered office since 01-02-2005 · founded in 2005
 2.1 FTE (2025)
0871.582.711
ODT
registered office since 29-03-2018 · founded in 2016
 total assets €55,189 (2023)
0654.952.710

Holdings and subsidiaries

2 holdings

Holdings 2

Share, source and own figures per holding (2)

Source for every holding own accounts 30-06-2025

  • BERTENS Ivosubsidiary
    Equity €286,845 Profit of €20,737 in 2025 (loss of €8,016 in 2024) Checked score 95
    100%
  • ODT
    Equity €48,192 Loss of €1,986 in 2023 (loss of €2,078 in 2022) Checked score 24
    50%
Holdings through the years 2011 to 2025
Holdings through the years
Name201120122013201420152016201720182019202020212022202320242025
BERTENS Ivo 100%48.92%100%
ODT 50%

Source: list of holdings in its own accounts

Connections & network

2 current directors
Depth

The network starts from the directors of BERNACO. Every other company they run is a node.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

Timeline

Timeline

42 events since 1991

Deadline for the 2026 accounts: 31-01-2027

2026
Annual accounts 2025 filed PDFabbreviated format · 5 days before the deadline
2025
Annual accounts 2024 filed PDFabbreviated format · on the deadline day
2024
Annual accounts 2023 filed PDFabbreviated format · 6 days before the deadline
Company renamed from W.Vercammen to BERNACOResignations: BERTENS Ivo Paul Julia (manager) and VERWERFT Nancy Magda Edmond (manager) · Reappointments: BERTENS Ivo Paul Julia (director) and VERWERFT Nancy Magda Edmond (director) · Legal-form conversion: from private limited company (pre-2019) to private limited company · General meeting of 07-11-20239 points ▸
  • General meeting, 07-11-2023
  • Legal-form conversion, from private limited company (pre-2019) to private limited company
  • Name change, BERNACO
  • Registered office clause, Drevendaal 15, 2860 Sint-Katelijne-Waver, mentioned twice in the deed
  • Director resignation, BERTENS Ivo Paul Julia (manager (not named in the articles))
  • Director resignation, VERWERFT Nancy Magda Edmond (manager (not named in the articles))
  • Director reappointment, BERTENS Ivo Paul Julia (director (not named in the articles))
  • Director reappointment, VERWERFT Nancy Magda Edmond (director (not named in the articles))
  • Board rule, 2
  • The deed holds 3 more points.

Open the deed in the Belgian Official Gazette

2023
Registered in the Peppol Directory Reachable for e-invoices through 0208:0444829033
Liquidity more than doubled current ratio 6.02 The current ratio rises from 2.70 to 6.02. Short-term debt falls from €75,606 to €40,690.
Annual accounts 2022 filed PDFabbreviated format · 4 days before the deadline
2022
Highest result from 2007 to 2025 net €75,379 ▲21.7% The net result of €75,379 is the highest of those years.
Equity above €500,000 equity €574,174 ▲15.1% With a profit in every financial year since 2007, equity grows to €574,174.
Annual accounts 2021 filed PDFabbreviated format · 14 days before the deadline
2021
Annual accounts 2020 filed PDFabbreviated format · 20 days before the deadline
2019
Annual accounts 2019 filed PDFabbreviated format · 43 days before the deadline
2018
Annual accounts 2018 filed PDFabbreviated format · 62 days before the deadline
2017
Annual accounts 2017 filed PDFabbreviated format · 72 days before the deadline
2016
Annual accounts 2016 filed PDFabbreviated format · 67 days before the deadline
2015
Annual accounts 2015 filed PDFabbreviated format · 66 days before the deadline
Annual accounts 2014 filed PDFabbreviated format · 18 days before the deadline
2014
Annual accounts 2013 filed PDFabbreviated format · 9 days before the deadline
2013
Equity above €200,000 equity €212,074 ▲6.7% With a profit in every financial year since 2007, equity grows to €212,074.
Annual accounts 2012 filed PDFabbreviated format · 27 days before the deadline
2011
Annual accounts 2011 filed PDFabbreviated format · 47 days before the deadline
2010
Annual accounts 2010 filed PDFabbreviated format · 69 days before the deadline
2009
Annual accounts 2009 filed PDFabbreviated format · 88 days before the deadline
2008
Annual accounts 2008 filed PDFabbreviated format · 66 days before the deadline
2007
Annual accounts 2007 filed PDFabbreviated format · 85 days before the deadline
2006
Annual accounts 2006 filed PDFabbreviated format · 62 days before the deadline
Annual accounts 2005 filed PDFabbreviated format
2005
Annual accounts 2004 filed PDFabbreviated format
2004
Annual accounts 2003 filed PDFabbreviated format
2003
Annual accounts 2002 filed PDFabbreviated format
2001
Annual accounts 2001 filed PDFabbreviated format
2000
Annual accounts 2000 filed PDFabbreviated format
Annual accounts 1999 filed PDFabbreviated format
1998
Annual accounts 1998 filed PDFabbreviated format
Annual accounts 1997 filed PDFabbreviated format
1996
Annual accounts 1996 filed PDFabbreviated format
1995
Annual accounts 1995 filed PDFabbreviated format
1994
Annual accounts 1994 filed PDFabbreviated format
1993
Annual accounts 1993 filed PDFabbreviated format
1992
Annual accounts 1992 filed PDFabbreviated format
1991
First establishment W. VERCAMMEN BVBA, Drevendaal 15, Sint-Katelijne-Waver
Incorporation published on 29-08-1991

Financial milestones sit on the financial year-end date, not the filing date.

Sources: Publications in the Belgian Official GazetteFilings with the National Bank

History

BERNACO was incorporated on 26 July 1991.1 Since 2024 the company has been called BERNACO.2 Total assets rose from €584,317 in 2019 to €816,631 in 2025.3

  1. 1KBO register
  2. 2Belgian Official Gazette, 11-01-2024
  3. 3National Bank, annual accounts 2019 and 2025

Company details

Identity

Enterprise number
0444.829.033
VAT number
BE 0444.829.033
Peppol ID
0208:0444829033
Other Peppol ID
9925:BE0444829033
Legal form
Private limited company
Status
Active, normal situation
Founded
26-07-1991
Financial year
ends on 30 June
Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
Last Saturday of September at 17:00
deed of 11-01-2024 (in Dutch)
Peppol
Reachable since 24-11-2023Follow this company and you will hear the next morning if it leaves the Peppol register.
Name
BERNACO in Dutch
Name in the Peppol Directory
W. Vercammen BV
Former name
W.Vercammen until 07-11-2023 · deed of 11-01-2024
Entity type
Legal entity
DurationMost companies exist for an unlimited period, until they are dissolved.
Unlimited
deed of 11-01-2024 (in Dutch)
Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
“Vlaams Gewest”
deed of 11-01-2024 (in Dutch)

Activities

NACEBEL 2025
43222 Installation of electric heating, air conditioning, cooling and ventilation main activity
Codes under NACEBEL 2008
43222 Specialised construction activities main activity
Codes under NACEBEL 2003
45331 main activity
PurposeThe purpose describes the activities the company may carry out under its articles.
“Fabricatie van artikelen in gesmeden ijzer; Centrale verwarming; Sanitaire werken; Lood- en zinkwerken; Het oprichten van metaal…”
10 activities
  1. Fabricatie van artikelen in gesmeden ijzer
  2. Centrale verwarming
  3. Sanitaire werken
  4. Lood- en zinkwerken
  5. Het oprichten van metaal constructies en metalen kunstwerken
  6. Elektrische verwarming
  7. Installaties van waterverzachters
  8. Het droogmaken van gebouwen(alleen met roofing)
  9. Schoorsteenreinigingen
  10. Het deelnemen aan het bestuur van vennootschappen als mandataris
deed of 11-01-2024 (in Dutch)

Registered office and establishments

1 establishment
Establishment Since Unit number
W. VERCAMMEN BVBA registered office Drevendaal 15, 2860 Sint-Katelijne-Waver 2521013 Manufacture of fabricated metal products, except machinery and equipment 02-09-1991 2.054.014.689

Buildings and parcels at the address

Ground area
1,780 m²
Buildings
691 m²
Volume, LiDAR
2,623 m³
Tallest building
8.0 m
Buildings to scale, each on its own parcel
691 m², 8.0 m 691 m², 8.0 m

Location

registered office establishment The establishment unit on the map
3 companies at this address See who is registered here

Parcels

Cadastral parcelArea Buildings Height / floors
12422D0252/00E0001,780 m² 1 · 691 m² 8.0 m · 1

Invoicing and payment

Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0444.829.033

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