Skip to content

BERNAERTS GRONDWERKEN

Active
Private limited companyfounded 1982active for 44 yearsWaterrijtstraat 49, 3920 Lommel, BelgiumKBO/BCE: BE 0422.715.310
Summary

BERNAERTS GRONDWERKEN has been active since 1982 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of -€11,680. Equity is growing by about 32% per year across the filed financial years. Its solvency ranks better than 75% of 9,865 sector peers (NACE 43, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
BERNAERTS GRONDWERKENActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Site preparation
NACE 43120
4th oldest company in Lommel, Construction sector1 site
Size
≈ €500,000turnover 2025, estimated
Equity
€1.1m
Loss
-€11,680
Turnover estimated from the gross margin
Financial health
89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Parent
CISI · 100%
Auditor: Moore Audit2025 accounts 168 days early5 of 7 deeds summarised
Why 89raises riskSector: Specialised construction activities (NACE 43)Liquidity: current ratio 6.05, cash €27,539lowers riskSize: total assets €1.6mFigures for financial year 2025 (filed 13-02-2026)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 46% of its sector peers (NACE 43, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 91+7
equity 65.6% of total assets
Liquidity 52=
short-term debt 5.8% · cash 1.7%
Profitability 68-17
return on assets -0.7%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,674 companies, NACE 43, micro)
Last 24 months 11-2024: 0.4%highest value 12-2024: 0.4%● unchanged vs 11-2024highest value 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.1%▼ -0.3 percentage points vs 05-2025lowest value 07-2025: 0.1%● unchanged vs 06-2025lowest value 08-2025: 0.1%● unchanged vs 07-2025lowest value 09-2025: 0.1%● unchanged vs 08-2025lowest value 10-2025: 0.1%● unchanged vs 09-2025lowest value 11-2025: 0.1%● unchanged vs 10-2025lowest value 12-2025: 0.1%● unchanged vs 11-2025lowest value 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026 03-2026: 0.2%▲ +0.1 percentage points vs 02-2026 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €90,000 on 30-day terms is acceptable
Liquidity ample (current ratio 6.05, compared with 3.14 in 2024, above the usual 1.5; short-term debt: 5.8% and cash: 1.7% of total assets), and 34.4% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 71% on solvency, 47% on liquidity, 34% on profitability and 32% on growth.

The bankruptcy probability was computed on 30-10-2026 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.

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

Credit check for your own amount and term

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

Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Specialised construction activities (NACE 43)
KBO
lowers risk · Size: total assets €1.6m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 6.05, cash €27,539
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 13-02-2026)
NBB · annual accounts
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 13-02-2026, 168 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
168 days early
2024
72 days early
2023
41 days early
2022
11 days early
2021
61 days late
2020
19 days late
2019
86 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 18 days before the deadline; the sector median (NACE 43) for financial year 2024 is 1 day before the deadline, and 43% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 21 June (4 of the last 5 filed years within 101 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. RestructuringPermanent representative: Nick PLESSERS ·…
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Weakest financial yearnet -€11,680

Key points

  • Caution: From profit to loss in 2025after €228,130 in 2024 -€11,680 View
  • Caution: Among the weakest 14% on net resultsector median €26,903 · 9,857 companies -€11,680 View
  • Controlled by CISI 100% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Total assets
€1.6m
Loss
-€11,680
Solvency
65.6%
Total assets▼ 10.8%
Net result
20182025
Go to Financials

Timeline

Events
54
Since
1983
Next accounts
by 31-07-2027
  1. 20-05-2025Annual accounts filed
  2. 31-12-2024Liquidity more than doubled
  3. 31-12-2024Equity above €1m
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Site preparationNACE 43120
Founded
08-04-1982
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
15
Annual meeting
Third Friday of June at 10:00
Purpose
“- De aanneming en uitvoering van openbare en private werken, de werken van algemene…” (deed in Dutch)
Go to Articles of association

Key facts about BERNAERTS GRONDWERKEN

What is the company number of BERNAERTS GRONDWERKEN?
0422.715.310. In Belgium the VAT number is the company number with BE in front: BE 0422.715.310.
Where is BERNAERTS GRONDWERKEN based?
The registered office is at Waterrijtstraat 49, 3920 Lommel.Company details
What does BERNAERTS GRONDWERKEN do?
According to the KBO register, the main activity is site preparation (NACE 43120).
What is the legal form of BERNAERTS GRONDWERKEN?
Private limited company (BV).
When was BERNAERTS GRONDWERKEN founded?
On 08-04-1982.
Is BERNAERTS GRONDWERKEN still active?
Yes, BERNAERTS GRONDWERKEN is an active enterprise in the KBO register.
How many employees does BERNAERTS GRONDWERKEN have?
On average 6 full-time equivalents in financial year 2023, according to the filed annual accounts.Financials
What is the turnover of BERNAERTS GRONDWERKEN?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is BERNAERTS GRONDWERKEN profitable?
In financial year 2025, BERNAERTS GRONDWERKEN made a loss of €11,680.
Where can I find the annual accounts of BERNAERTS GRONDWERKEN?
BERNAERTS GRONDWERKEN filed 44 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BERNAERTS GRONDWERKEN due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to BERNAERTS GRONDWERKEN

Parent and group

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure