BERNANNE
ActiveSummary
The computed 12-month bankruptcy probability of BERNANNE is 3.0% (moderate). For BERNANNE, at least two filing cycles of the annual accounts are missing. The 2023 annual accounts show negative equity (-€15,373) and a net result of -€185. Equity is shrinking by ~46.8% per year across the filed fiscal years. The company has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
No current score
Figures too old
The available figures for FY 2023 are too old to assess current financial health.
Filing: At least two filing cycles are missing
Axes, FY 2023 · tick = 2022
Profitability0▼-50
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
3.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2023Age of the figures
Age of the figures
33 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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 10 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline29-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 27-08-2024, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
27 d late
2022
25 d late
2021
92 d late
2020
88 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filings
This company filed its last 5 accounts on average 71 days after the deadline; the Belgian median for financial year 2024 is 4 days before the deadline, and 38% of all filings were late.
Checked, nothing found (1)
History
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Financials · fiscal year 2023, micro schema
Equity
-€15,373▼ 1.2%
2022 · -€15,187
Total assets
€1,064▼ 53.7%
2022 · €2,295
Net result
-€185▲ 95.2%
2022 · -€3,889
Working capital
-€15,373▼ 1.2%
2022 · -€15,187
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20192020202120222023
Operating result€7,161-€5,185-€7,548▼ 45.6%-€3,660▲ 51.5%€0
Net result€7,031-€5,318-€7,691▼ 44.6%-€3,889▲ 49.4%-€185▲ 95.2%
Equity€1,711-€3,607-€11,298▼ 213%-€15,187▼ 34.4%-€15,373▼ 1.2%
Total assets€17,810▲ 614%€10,830▼ 39.2%€6,815▼ 37.1%€2,295▼ 66.3%€1,064▼ 53.7%
Debt€16,099▲ 106%€14,437▼ 10.3%€18,113▲ 25.5%€17,483▼ 3.5%€16,436▼ 6.0%
Working capital-€12,164▼ 129%-€12,857▼ 5.7%-€15,923▼ 23.8%-€15,187▲ 4.6%-€15,373▼ 1.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is zero in 2023, compared with -€3,660 in 2022.
Key figures and ratios
Debt ≤ 1 year
€16,436▼
2022 · €17,483
Ratios withheld: a balance sheet total of €1,064 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,625 | €4,625 | €4,625 | €4,625 | - | - |
| Other operating charges640/8 | - | - | €203 | €1,302 | - | - |
| Gross operating margin9900 | €13,821 | €375 | -€2,719 | €2,267 | €0 | ▼ 100% |
| Operating profit (loss)9901 | €7,161 | -€5,185 | -€7,548 | -€3,660 | €0 | ▲ 100% |
| Financial income75/76B | - | - | €0 | - | - | - |
| Recurring financial income75 | - | - | €0 | - | - | - |
| Financial charges65/66B | - | - | €143 | €84 | €185 | ▲ 120% |
| Recurring financial charges65 | €130 | €132 | €143 | €84 | €185 | ▲ 120% |
| Profit (loss) for the period before taxes9903 | €7,031 | -€5,318 | -€7,691 | -€3,744 | -€185 | ▲ 95.1% |
| Income taxes67/77 | - | - | - | €145 | - | - |
| Profit (loss) for the period9904 | €7,031 | -€5,318 | -€7,691 | -€3,889 | -€185 | ▲ 95.2% |
| Profit (loss) for the period to be appropriated9905 | €7,031 | -€5,318 | -€7,691 | -€3,889 | -€185 | ▲ 95.2% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €17,810 | €10,830 | €6,815 | €2,295 | €1,064 | ▼ 53.7% |
| Fixed assets21/28 | €13,875 | €9,250 | €4,625 | - | - | - |
| Tangible fixed assets22/27 | €13,875 | €9,250 | €4,625 | - | - | - |
| Furniture and vehicles24 | - | - | €4,625 | - | - | - |
| Current assets29/58 | €3,935 | €1,580 | €2,190 | €2,295 | €1,064 | ▼ 53.7% |
| Amounts receivable within one year40/41 | €424 | €4 | €999 | €1,064 | €1,064 | = |
| Trade receivables40 | - | - | €847 | €1,045 | €1,045 | = |
| Other amounts receivable41 | - | - | €152 | €18 | €18 | = |
| Cash at bank and in hand54/58 | €2,696 | €747 | €148 | - | - | - |
| Deferred charges and accrued income490/1 | - | - | €1,044 | €1,231 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €17,810 | €10,830 | €6,815 | €2,295 | €1,064 | ▼ 53.7% |
| Equity10/15 | €1,711 | -€3,607 | -€11,298 | -€15,187 | -€15,373 | ▼ 1.2% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | - | - | €18,592 | - | - | - |
| Issued capital100 | - | - | €18,592 | - | - | - |
| Reserves13 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | - | - | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | - | - | €1,859 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,859 | €1,859 | = |
| Profit (loss) carried forward14 | -€18,741 | -€24,058 | -€31,749 | -€35,638 | -€35,824 | ▼ 0.5% |
| Amounts payable17/49 | €16,099 | €14,437 | €18,113 | €17,483 | €16,436 | ▼ 6.0% |
| Amounts payable within one year42/48 | €16,099 | €14,437 | €18,113 | €17,483 | €16,436 | ▼ 6.0% |
| Financial debts43 | - | - | - | €500 | €16 | ▼ 96.9% |
| Credit institutions430/8 | - | - | - | €500 | €16 | ▼ 96.9% |
| Trade debts44 | €219 | €1,417 | €2,710 | €464 | - | - |
| Suppliers440/4 | - | - | €2,710 | €464 | - | - |
| Advances received on contracts in progress46 | - | - | €2,536 | - | - | - |
| Taxes, remuneration and social security45 | - | - | €22 | €57 | €57 | = |
| Taxes450/3 | - | - | €22 | €57 | €57 | = |
| Other amounts payable47/48 | - | - | €12,845 | €16,461 | €16,364 | ▼ 0.6% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,031 | -€5,318 | -€7,691 | -€3,889 | -€185 | ▲ 95.2% |
| + Depreciation and write-downs630 | €4,625 | €4,625 | €4,625 | €4,625 | - | - |
| Operating cash flow (approximation) | €11,656 | -€693 | -€3,066 | €736 | -€185 | ▼ 125% |
| Investment in fixed assets (approximation) | - | €0 | €0 | - | - | - |
| Change in cash | - | -€1,949 | -€600 | - | - | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
31-12
Financial
Weakest financial yearnet -€7,691
Net result drops to -€7,691, the lowest in the series; recovery starts the following year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Back to profitnet €7,031
Net result €7,031 after one loss-making year.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
28-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 28 days late
2015
14-07
NBB filing
Annual accounts filed
fiscal year 2014 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Gembloux · 1 establishment unit since 1997
Ground area
1,992 m²
Building footprint
250 m²
Volume, LiDAR
965 m³
2 parcels, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Rue du Pont 7, 1474 Genappe
since 19972.068.821.344
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25113D0186/00X000 | Wallonia | 1,776 m² | 1 · 188 m² | 8.5 m · 2 fl. |
| 92053A0205/00A004 | Wallonia | 215 m² | 1 · 61 m² | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded01-09-1994
Fiscal year end31-12
E-invoicing
Not found in the Peppol register
No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.
What can you do?
Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.
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If you follow this company, Checked tells you the day it appears in the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.