Bernaerts Auctioneers
ActiveBernaerts Auctioneers has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.52M and a net result of €339k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 91% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+7
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €280k at 30 days acceptable
Liquidity ample (current ratio 5.3 against 7.16 in 2024; short-term debt: 17% and cash: 52.7% of total assets), and 17% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83%
Return on assets
8%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 4 filingsDeviation from the deadline
2025
20 d late
2024
69 d early
2023
55 d early
2022
21 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.52M▲ 10.6%
2024 · €3.19M
2022: €3.06M
2023: €3.08M
2024: €3.19M
2022 → 2025
Total assets
€4.25M▲ 17.0%
2024 · €3.63M
2022: €3.51M
2023: €3.53M
2024: €3.63M
2022 → 2025
Net result
€339k▲ 229%
2024 · €103k
2022: €81k
2023: €30k
2024: €103k
2022 → 2025
Working capital
€3.11M▲ 13.8%
2024 · €2.73M
2022: €2.53M
2023: €2.60M
2024: €2.73M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3.06M-€3.08M▲ 0.8%€3.19M▲ 3.3%€3.52M▲ 10.6%
Operating result€145k-€-2k€126k€418k▲ 231%
Net result€81k-€30k▼ 62.6%€103k▲ 243%€339k▲ 229%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 231% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.25M
Fixed assets
€411k▼ 8.7%
Current assets
€3.84M▲ 20.7%
Equity and liabilities €4.25M
Equity
€3.52M▲ 10.6%
Debt
€723k▲ 62.8%
The debt ratio rises from 12.2% to 17.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€476k▲
2024 · €185k
Cash flow
€397k▲
2024 · €162k
Solvency
83.0%▼
2024 · 87.8%
Current ratio
5.30▼
2024 · 7.16
Quick ratio
4.56▼
2024 · 5.96
Debt / equity
0.21▲
2024 · 0.14
ROE
9.6%▲
2024 · 3.2%
ROA
8.0%▲
2024 · 2.8%
Interest coverage
41.14▲
2024 · 30.25
Debt
€723k▲
2024 · €444k
Debt ≤ 1 year
€723k▲
2024 · €444k
Income taxes
€126k▲
2024 · €41k
Staff costs
€708k▼
2024 · €710k
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€3.63M€4.25M▲
Fixed assets21/28€450k€411k▼
Tangible fixed assets22/27€176k€137k▼
Plant, machinery and equipment23€151k€112k▼
Furniture and vehicles24€25k€25k▼
Financial fixed assets28€275k€275k=
Current assets29/58€3.18M€3.84M▲
Stocks and contracts in progress3€530k€538k▲
Stocks30/36€530k€538k▲
Amounts receivable within one year40/41€130k€150k▲
Trade receivables40€66k€91k▲
Other amounts receivable41€63k€59k▼
Current investments50/53€870k€899k▲
Cash at bank and in hand54/58€1.64M€2.24M▲
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€3.63M€4.25M▲
Equity10/15€3.19M€3.52M▲
Contributions10/11€88k€88k=
Reserves13€2.79M€3.12M▲
Distributable reserves133€2.79M€3.12M▲
Profit (loss) carried forward14€312k€312k=
Amounts payable17/49€444k€723k▲
Amounts payable within one year42/48€444k€723k▲
Trade debts44€183k€340k▲
Suppliers440/4€183k€340k▲
Taxes, remuneration and social security45€158k€255k▲
Taxes450/3€78k€181k▲
Remuneration and social security454/9€80k€73k▼
Other amounts payable47/48€103k€129k▲
Accrued charges and deferred income492/3€120-
Income statement
Code20242025
Remuneration, social security and pensions62€710k€708k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€58k▼
Other operating charges640/8€16k€16k▼
Gross operating margin9900€911k€1.20M▲
Operating profit (loss)9901€126k€418k▲
Financial income75/76B€24k€59k▲
Recurring financial income75€24k€59k▲
Financial charges65/66B€6k€12k▲
Recurring financial charges65€6k€12k▲
Profit (loss) for the period before taxes9903€144k€465k▲
Income taxes67/77€41k€126k▲
Profit (loss) for the period9904€103k€339k▲
Profit (loss) for the period to be appropriated9905€103k€339k▲
Appropriation of the result
Profit (loss) to be appropriated9906€415k€651k▲
Profit (loss) brought forward from the previous period14P€312k€312k=
Transfer to equity691/2€103k€339k▲
To other reserves6921€103k€339k▲
Social balance
Average headcount (FTE)90879.910.0▲
The notes to these accounts (6 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
31-12
Financial
Highest result since 2022net €339k ▲229%
Operating result €418k, net result €339k, both a record.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €30k ▼62.6%
Net result drops to €30k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2022
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.
Verlatstraat 202000 AntwerpenGround area
473 m²
Building footprint
235 m²
Volume, LiDAR
1,648 m³
Parcel 11811L3660/00W000, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bernaerts Auctioneers
since 20222.334.799.007
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3660/00W000 | Flanders | 473 m² | 1 · 235 m² | 11.9 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.334.799.007
Legal Entity Identifier
699400019NBELMIC0O87
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Of 3,235 companies in sector 47781 we hold annual accounts for 744. 264 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2022
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
47910Retail trade
47990Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.