BERNAGIE DAAN
ActiveBERNAGIE DAAN has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €827k and a net result of €174k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 81% of 16459 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 15.32 against 12.45 in 2024; short-term debt: 4.9% and cash: 27.9% of total assets), and 11.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
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
88.6%
Return on assets
18.7%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
43 d early
2023
49 d early
2022
45 d early
2021
89 d early
2020
96 d early
2019
42 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€827k▲ 18.2%
2024 · €700k
2018: €151k
2019: €182k
2020: €304k
2021: €417k
2022: €579k
2023: €607k
2024: €700k
2018 → 2025
Total assets
€934k▲ 15.5%
2024 · €809k
2018: €197k
2019: €205k
2020: €372k
2021: €498k
2022: €702k
2023: €705k
2024: €809k
2018 → 2025
Net result
€174k▲ 10.5%
2024 · €158k
2018: €52k
2019: €31k
2020: €122k
2021: €113k
2022: €162k
2023: €110k
2024: €158k
2018 → 2025
Working capital
€652k▲ 22.8%
2024 · €531k
2018: €110k
2019: €175k
2020: €295k
2021: €313k
2022: €426k
2023: €439k
2024: €531k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€417k-€579k▲ 38.9%€607k▲ 4.8%€700k▲ 15.3%€827k▲ 18.2%
Operating result€152k-€230k▲ 51.0%€155k▼ 32.8%€222k▲ 43.8%€246k▲ 10.7%
Net result€113k-€162k▲ 43.9%€110k▼ 32.2%€158k▲ 43.4%€174k▲ 10.5%
Turnover and EBIT margin not published: the micro 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 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €934k
Fixed assets
€237k▲ 2.1%
Current assets
€697k▲ 20.8%
Equity and liabilities €934k
Equity
€827k▲ 18.2%
Debt
€107k▼ 2.0%
The debt ratio falls from 13.5% to 11.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€273k▲
2024 · €245k
Cash flow
€201k▲
2024 · €180k
Solvency
88.6%▲
2024 · 86.5%
Current ratio
15.32▲
2024 · 12.45
Quick ratio
15.32▲
2024 · 12.45
Debt / equity
0.13▼
2024 · 0.16
ROE
21.1%▼
2024 · 22.5%
ROA
18.7%▼
2024 · 19.5%
Interest coverage
46.44▲
2024 · 41.66
Debt
€107k▼
2024 · €109k
Debt ≤ 1 year
€46k▼
2024 · €46k
Debt > 1 year
€61k▼
2024 · €63k
Income taxes
€79k▲
2024 · €71k
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€809k€934k▲
Fixed assets21/28€232k€237k▲
Tangible fixed assets22/27€232k€237k▲
Land and buildings22€148k€142k▼
Plant, machinery and equipment23€73k€66k▼
Furniture and vehicles24€9k€15k▲
Leasing and similar rights25-€12k
Other tangible fixed assets26€1k€1k=
Current assets29/58€577k€697k▲
Amounts receivable after more than one year29€205k€235k▲
Other amounts receivable291€205k€235k▲
Amounts receivable within one year40/41€5k€3k▼
Trade receivables40€5k€3k▼
Current investments50/53€128k€189k▲
Cash at bank and in hand54/58€230k€260k▲
Deferred charges and accrued income490/1€9k€10k▲
Equity and liabilities
Total equity and liabilities10/49€809k€934k▲
Equity10/15€700k€827k▲
Reserves13€670k€797k▲
Distributable reserves133€670k€797k▲
Profit (loss) carried forward14€30k€30k▲
Amounts payable17/49€109k€107k▼
Amounts payable after more than one year17€63k€61k▼
Financial debts170/4€63k€61k▼
Amounts payable within one year42/48€46k€46k▼
Current portion of amounts payable after more than one year42€10k€13k▲
Trade debts44€944€1k▲
Suppliers440/4€944€1k▲
Taxes, remuneration and social security45€31k€26k▼
Taxes450/3€31k€26k▼
Other amounts payable47/48€4k€5k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€27k▲
Other operating charges640/8€6k€7k▲
Non-recurring operating charges66A€367€3k▲
Gross operating margin9900€251k€283k▲
Operating profit (loss)9901€222k€246k▲
Financial income75/76B€12k€13k▲
Recurring financial income75€12k€13k▲
Financial charges65/66B€6k€6k▼
Recurring financial charges65€6k€6k▼
Profit (loss) for the period before taxes9903€228k€253k▲
Income taxes67/77€71k€79k▲
Profit (loss) for the period9904€158k€174k▲
Profit (loss) for the period to be appropriated9905€158k€174k▲
Appropriation of the result
Profit (loss) to be appropriated9906€187k€204k▲
Profit (loss) brought forward from the previous period14P€29k€30k▲
Transfer from equity791/2€51k€30k▼
Transfer to equity691/2€143k€157k▲
To other reserves6921€143k€157k▲
Profit to be distributed694/7€65k€47k▼
Return on contributions (dividend)694€65k€47k▼
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €174k ▲10.5%
Operating result €246k, net result €174k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €500kEq €579k ▲38.9%
5 profitable years in a row build equity to €579k.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €304k ▲66.8%
3 profitable years in a row build equity to €304k.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €31k ▼40.4%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 8.93
Current ratio from 3.40 to 8.93; short-term debt falls from €46k to €22k.
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
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, Erpe-Mere · 1 establishment unit since 2007
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.
Molenveld 529420 Erpe-MereGround area
3,028 m²
Building footprint
460 m²
Volume, LiDAR
2,850 m³
Parcel 41009B0568/00L000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bernagie Daan
since 20072.189.155.287
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41009B0568/00L000 | Flanders | 3,028 m² | 1 · 460 m² | 9.7 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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Of 6,938 companies in sector 86230 we hold annual accounts for 4,288. 3,087 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2007
Fiscal year end31-12
Activities, NACEBEL
86230Dental practice
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.