Active BE 0563.589.301Private limited company

Bernadette & Patricia

Rue de la Gare d'Autre-Eglise 3 ·1367 Ramillies, Belgium· 11 yrs active

Sector: Buying and selling of own real estate (68110)

Conclusion Checked

Bernadette & Patricia has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €64k and a net result of €46k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 34% of 13655 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Based on the State Gazette, CBE and 6 annual accounts.

Key figures

Equity	€64k
Net result	€46k
Better than sector	34%
Active	11 yrs

Financial profile 5 of 5 axes measured · computed by Checked

66 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 43

Profitability 100

Solvency 8

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

0.3% Very low

0%0,5%1,5%4%10%≥25%

How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2014, 11 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score FY 2025 · computed

43 / 100 Weak

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Indicative credit limit

€3k

estimate, not credit advice

Score history

20 2020

16 2021

16 2022

16 2023

51 2024

43 2025

purely financial, excl. current insolvency signals

Score components

Liquidity Current ratio 0.09 (< 1.0) -10

Quick ratio Quick ratio 0.09 (< 0.6) -5

Leverage Debt/equity 7.16 (> 3.0) -10

Profitability ROE 71% (≥ 10%) +10

Interest coverage Interest coverage 9.9× (≥ 3×) +8

Profit trend Net profit down YoY -3

Equity growth Equity growing YoY +3

Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Financial overview11 NBB filings

Annual accounts filed on 07-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

volatile Too volatile to project: the yearly deviation from the trend is ~48% of the level (threshold 35%). We therefore deliberately show no projection line.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 68, Real estate activities · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	12.2%	29.8%	better than 34% of 13655 sector peers
Net result	€46k	€6k	better than 80% of 13656 sector peers
Equity	€64k	€78k	better than 46% of 13671 sector peers
Gross operating margin	€106k	€41k	better than 75% of 13639 sector peers
Total assets	€525k	€416k	better than 57% of 13659 sector peers

EBITDA

€105k

+20.0% 20-25

Net profit

€46k

-7.7% 20-25

Cash flow

€77k

-0.5% 20-25

Total assets

€525k

-4.8% 20-25

Equity

€64k

+246.1% 20-25

Working capital

€-141k

+25.5% 20-25

Income taxes

€17k

- 20-25

Debt

€461k

-13.5% 20-25

Debt ≤ 1y

€155k

-21.6% 20-25

Debt > 1y

€306k

-8.7% 20-25

Current ratio

0.09

+97.1% 20-25

Quick ratio

0.09

+97.1% 20-25

Solvency

12.2%

+263.5% 20-25

Debt / equity

7.16

-75.0% 20-25

ROE

71.1%

-73.3% 20-25

ROA

8.7%

-3.0% 20-25

Interest coverage

9.88

+6.7% 20-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	-	-	-	-	-
EBITDA	€105k	€87k	€38k	€33k	€34k
Net profit	€46k	€50k	€6k	€1k	€557
Cash flow	€77k	€78k	€32k	€27k	€26k
Staff costs	-	-	-	-	-
Income taxes	€17k	-	-	-	-
Dividends	-	-	-	-	-
Total assets	€525k	€552k	€469k	€494k	€521k
Equity	€64k	€19k	€-31k	€-37k	€-38k
Debt	€461k	€533k	€500k	€531k	€560k
of which ≤ 1y	€155k	€198k	€246k	€254k	€261k
of which > 1y	€306k	€335k	€254k	€277k	€299k
Working capital	€-141k	€-189k	€-235k	€-244k	€-248k
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	0.09	0.05	0.04	0.04	0.05
Quick ratio	0.09	0.05	0.04	0.04	0.05
Working capital ratio	-26.8%	-34.2%	-50.2%	-49.4%	-47.6%
Solvency	12.2%	3.4%	-6.6%	-7.5%	-7.3%
Debt / equity	7.16	28.68	-16.15	-14.28	-14.63
Long-term debt ratio	4.75	18.01	-8.20	-7.44	-7.81
Interest coverage	9.88	9.25	5.97	4.91	4.30
Gross margin	-	-	-	-	-
Net margin	-	-	-	-	-
ROA	8.7%	9.0%	1.3%	0.2%	0.1%
ROE	71.1%	266.5%	-20.1%	-2.9%	-1.5%
EBITDA margin	-	-	-	-	-
Days sales outstanding	-	-	-	-	-
Days payable outstanding	-	-	-	-	-
Inventory turnover	-	-	-	-	-
Days inventory (DSI)	-	-	-	-	-

Balance-sheet composition 2025

Assets

Fixed assets €511k · 97.2% Current assets €15k · 2.8%

Equity & liabilities

Equity €64k · 12.3% Debt €461k · 87.8%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€525k	€552k	€469k	€494k	€521k
Fixed assets	21/28	€511k	€542k	€458k	€483k	€509k
Tangible fixed assets	22/27	€511k	€542k	€458k	€483k	€509k
Current assets	29/58	€15k	€10k	€11k	€10k	€12k
Amounts receivable within one year	40/41	€7k	€9k	€9k	€9k	€9k
Cash & bank	54/58	€7k	€141	€2k	€1k	€4k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€525k	€552k	€469k	€494k	€521k
Equity	10/15	€64k	€19k	€-31k	€-37k	€-38k
Contributions / capital	10/11	€19k	€19k	€19k	€19k	€19k
Accumulated profits (losses)	14	€46k	€-7	€-50k	€-56k	€-57k
Amounts payable	17/49	€461k	€533k	€500k	€531k	€560k
Amounts payable after one year	17	€306k	€335k	€254k	€277k	€299k
Amounts payable within one year	42/48	€155k	€198k	€246k	€254k	€261k
Trade debts payable within one year	44	€400	€2k	-	-	-
Income statement
Gross operating margin	9900	€106k	€89k	€39k	€35k	€35k
Operating result	9901	€73k	€59k	€13k	€8k	€8k
Financial charges	65	€11k	€9k	€6k	€7k	€8k
Result before taxes	9903	€62k	€50k	€6k	€1k	€557
Income taxes	67/77	€17k	-	-	-	-
Net result for the period	9904	€46k	€50k	€6k	€1k	€557
Result to be appropriated	9905	€46k	€50k	€6k	€1k	€557

Legal Structure

NACE primary	Buying and selling of own real estate(68110)
Legal form	Private limited company(610)
Incorporation	02-10-2014
Status	Active
Postal code	1367

Establishment units 1 location

Bernadette & Patricia

Rue de la Gare d'Autre-Eglise 3, 1367 RamilliesReal estate activities

since 20142.237.619.853

Real-estate footprint Source: CBE × cadastre

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25002C0424/02H000	Wallonia	741 m²	1 · 121 m²	10.7 m · 3 fl.

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.

Updates 11 events

All 13Financial 2Gazette 1Filings 10

Next filing, fiscal year 2026, expected by 31-07-2027

2026

07-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 7 days late

2025

27-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 27 days late

2024

31-12

Financial Highest result since 2020net €50k ▲697%

Net result €50k, the highest in the series.

07-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 68 days late

29-01

State Gazette act Director changes

Delphine STEVIGNY

2023

29-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 29 days late

2022

17-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 78 days late

2021

31-12

Financial Back to profitnet €557

Net result €557 after one loss-making year.

30-08

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 30 days late

2020

28-08

NBB filing Annual accounts filed

fiscal year 2019 · micro schema · 28 days late

2019

30-08

NBB filing Annual accounts filed

fiscal year 2018 · micro schema · 30 days late

2018

30-08

NBB filing Annual accounts filed

fiscal year 2017 · micro schema · 30 days late

2017

30-08

NBB filing Annual accounts filed

fiscal year 2016 · micro schema · 30 days late

Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts

All acts · 1 updated 2 years ago

2024

29-01-2024 Change in the board of directors Director changes·Delphine STEVIGNY

Notary: Delphine STEVIGNY · DinantFirm: Stévigny Delphine, société notariale

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Buying and selling of own real estate68110Renting and operating of own or leased residential real estate, excluding social housing68201Renting and operating of own or leased non-residential real estate, excluding land68203

Names & trade names

Legal nameFR

Bernadette & Patricia

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