Bernaerts Building
ActiveBernaerts Building has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.42M and a net result of €83k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 76% of 4501 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-1
Solvency98▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 3.41 against 3.61 in 2024; short-term debt: 9.1% and cash: 22.6% of total assets), and 26.7% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
73.3%
Return on assets
4.3%
Age of the figures
9 mo
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€83k▼ 9.5%
2024 · €92k
2022: €38k
2023: €94k
2024: €92k
2022 → 2025
Working capital
€426k▲ 3.8%
2024 · €411k
2022: €387k
2023: €386k
2024: €411k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.26M-€1.35M▲ 7.5%€1.39M▲ 3.1%€1.42M▲ 2.4%
Operating result€53k-€128k▲ 142%€117k▼ 8.6%€105k▼ 10.7%
Net result€38k-€94k▲ 149%€92k▼ 2.0%€83k▼ 9.5%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.94M
Fixed assets
€1.34M▼ 5.3%
Current assets
€603k▲ 6.2%
Equity and liabilities €1.94M
Equity
€1.42M▲ 2.4%
Debt
€519k▼ 12.3%
The debt ratio falls from 29.8% to 26.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€180k▼
2024 · €193k
Cash flow
€158k▼
2024 · €167k
Solvency
73.3%▲
2024 · 70.2%
Current ratio
3.41▼
2024 · 3.61
Quick ratio
3.41▼
2024 · 3.61
Debt / equity
0.36▼
2024 · 0.43
ROE
5.8%▼
2024 · 6.6%
ROA
4.3%▼
2024 · 4.6%
Interest coverage
16.67▲
2024 · 16.48
Debt
€519k▼
2024 · €592k
Debt ≤ 1 year
€177k▲
2024 · €157k
Debt > 1 year
€342k▼
2024 · €435k
Income taxes
€11k▼
2024 · €14k
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€1.98M€1.94M▼
Fixed assets21/28€1.42M€1.34M▼
Tangible fixed assets22/27€1.42M€1.34M▼
Land and buildings22€1.41M€1.34M▼
Plant, machinery and equipment23€594€445▼
Furniture and vehicles24€1k€994▼
Current assets29/58€568k€603k▲
Amounts receivable within one year40/41€94k€163k▲
Trade receivables40€89k€102k▲
Other amounts receivable41€6k€61k▲
Cash at bank and in hand54/58€474k€440k▼
Equity and liabilities
Total equity and liabilities10/49€1.98M€1.94M▼
Equity10/15€1.39M€1.42M▲
Contributions10/11€36k€36k=
Outside capital11€36k€36k=
Other1109/19€36k€36k=
Reserves13€1.06M€1.06M=
Distributable reserves133€1.06M€1.06M=
Profit (loss) carried forward14€300k€333k▲
Amounts payable17/49€592k€519k▼
Amounts payable after more than one year17€435k€342k▼
Financial debts170/4€435k€342k▼
Amounts payable within one year42/48€157k€177k▲
Current portion of amounts payable after more than one year42€92k€93k▲
Trade debts44€535€212▼
Suppliers440/4€535€212▼
Other amounts payable47/48€65k€84k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€75k€75k=
Other operating charges640/8€15k€16k▲
Gross operating margin9900€208k€196k▼
Operating profit (loss)9901€117k€105k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€106k€94k▼
Income taxes67/77€14k€11k▼
Profit (loss) for the period9904€92k€83k▼
Profit (loss) for the period to be appropriated9905€92k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€350k€383k▲
Profit (loss) brought forward from the previous period14P€259k€300k▲
Profit to be distributed694/7€50k€50k=
Directors or managers695€50k€50k=
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 · full schema · 20 days late
2025
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
Highest result since 2022net €94k ▲149%
Operating result €128k, net result €94k, both a record.
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 Building
since 20222.334.795.542
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.
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JERONIMMO
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BUREAU D'AFFAIRES ET DE GESTION
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GENERATION 2000
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Of 12,012 companies in sector 68203 we hold annual accounts for 5,979. 3,896 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
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.