Bernard ANDRE
ActiveSummary
Bernard ANDRE has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €337k and a net result of €9k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability71▼-3
Solvency100▲+11
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.02 against 2.74 in 2024; short-term debt: 16.4% and cash: 89.1% of total assets), and 16.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
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
83.6%
Return on assets
2.1%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
61 d late
2023
71 d late
2022
31 d late
2021
92 d late
2020
61 d late
2019
92 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€9k▼ 64.0%
2024 · €24k
2018: €-11klowest in 8 years
2019: €-10k▲ +9.0% vs 2018
2020: €60k▲ +712% vs 2019
2021: €79k▲ +31.5% vs 2020
2022: €14k▼ -82.3% vs 2021
2023: €81k▲ +482% vs 2022highest in 8 years
2024: €24k▼ -70.4% vs 2023
2025: €9k▼ -64.0% vs 2024
2018 → 2025
Working capital
€332k▼ 7.0%
2024 · €357k
2018: €382khighest in 8 years
2019: €263k▼ -31.2% vs 2018
2020: €245k▼ -6.5% vs 2019lowest in 8 years
2021: €331k▲ +34.8% vs 2020
2022: €265k▼ -20.0% vs 2021
2023: €332k▲ +25.5% vs 2022
2024: €357k▲ +7.3% vs 2023
2025: €332k▼ -7.0% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€317k-€256k▼ 19.3%€337k▲ 31.7%€361k▲ 7.1%€337k▼ 6.7%
2021: €317k
2022: €256k▼ -19.3% vs 2021lowest in 5 years
2023: €337k▲ +31.7% vs 2022
2024: €361k▲ +7.1% vs 2023highest in 5 years
2025: €337k▼ -6.7% vs 2024
Operating result€114k-€-8k€125k€36k▼ 71.3%€15k▼ 58.9%
2021: €114k
2022: €-8k▼ -107% vs 2021lowest in 5 years
2023: €125k▲ +1669% vs 2022highest in 5 years
2024: €36k▼ -71.3% vs 2023
2025: €15k▼ -58.9% vs 2024
Net result€79k-€14k▼ 82.3%€81k▲ 482%€24k▼ 70.4%€9k▼ 64.0%
2021: €79k
2022: €14k▼ -82.3% vs 2021
2023: €81k▲ +482% vs 2022highest in 5 years
2024: €24k▼ -70.4% vs 2023
2025: €9k▼ -64.0% vs 2024lowest in 5 years
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 59% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €403k
Fixed assets
€5k ▲ 15.4%
Current assets
€398k ▼ 29.2%
Equity and liabilities €403k
Equity
€337k ▼ 6.7%
Debt
€66k ▼ 67.7%
Debt's share of the balance-sheet total falls from 36.2% to 16.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €38k
Cash flow
€11k▼
2024 · €26k
Current ratio
6.02▲
2024 · 2.74
Debt to equity
0.20▼
2024 · 0.57
ROE
2.6%▼
2024 · 6.6%
ROA
2.1%▼
2024 · 4.2%
Interest coverage
28.47▼
2024 · 65.89
Debt ≤ 1 year
€66k▼
2024 · €205k
Income taxes
€7k▼
2024 · €14k
Staff costs
€7k▼
2024 · €12k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€566k€403k▼
Fixed assets21/28€4k€5k▲
Tangible fixed assets22/27€4k€5k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€2k€981▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€562k€398k▼
Amounts receivable within one year40/41€37k€9k▼
Trade receivables40€15k€6k▼
Other amounts receivable41€22k€3k▼
Cash at bank and in hand54/58€524k€359k▼
Deferred charges and accrued income490/1€128€30k▲
Equity and liabilities
Total equity and liabilities10/49€566k€403k▼
Equity10/15€361k€337k▼
Contributions10/11€19k€19k=
Reserves13€342k€318k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€340k€316k▼
Amounts payable17/49€205k€66k▼
Amounts payable within one year42/48€205k€66k▼
Financial debts43€903€599▼
Other loans439€903€599▼
Trade debts44€14k€21k▲
Suppliers440/4€14k€21k▲
Taxes, remuneration and social security45€2k€13k▲
Taxes450/3€1k€12k▲
Remuneration and social security454/9€537€952▲
Other amounts payable47/48€188k€32k▼
Income statement
Code20242025
Remuneration, social security and pensions62€12k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€566€923▲
Non-recurring operating charges66A€77k-
Gross operating margin9900€128k€29k▼
Operating profit (loss)9901€36k€15k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€575€582▲
Recurring financial charges65€575€582▲
Profit (loss) for the period before taxes9903€38k€16k▼
Income taxes67/77€14k€7k▼
Profit (loss) for the period9904€24k€9k▼
Profit (loss) for the period to be appropriated9905€24k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€9k▼
Transfer from equity791/2-€33k
Transfer to equity691/2€24k€9k▼
To other reserves6921€24k€9k▼
Profit to be distributed694/7-€33k
Return on contributions (dividend)694-€33k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €33k | €17k | €18k | €12k | €7k | ▼ 44.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €15k | €2k | €2k | €2k | €2k | ▼ 12.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | €5k | - | - | €5k | - |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | - | €-16k | €-14k | - | - | - |
| Other operating charges640/8 | €7k | €14k | €20k | €566 | €923 | ▲ 63.1% |
| Non-recurring operating charges66A | €11 | - | €80 | €77k | - | - |
| Gross operating margin9900 | €169k | €16k | €150k | €128k | €29k | ▼ 77.5% |
| Operating profit (loss)9901 | €114k | €-8k | €125k | €36k | €15k | ▼ 58.9% |
| Financial income75/76B | €2k | €28k | €358 | €3k | €2k | ▼ 35.2% |
| Recurring financial income75 | €2k | €28k | €358 | €3k | €2k | ▼ 35.2% |
| Financial charges65/66B | €1k | €2k | €3k | €575 | €582 | ▲ 1.1% |
| Recurring financial charges65 | €1k | €2k | €3k | €575 | €582 | ▲ 1.1% |
| Profit (loss) for the period before taxes9903 | €114k | €19k | €122k | €38k | €16k | ▼ 57.9% |
| Income taxes67/77 | €35k | €5k | €41k | €14k | €7k | ▼ 47.8% |
| Profit (loss) for the period9904 | €79k | €14k | €81k | €24k | €9k | ▼ 64.0% |
| Profit (loss) for the period to be appropriated9905 | €79k | €14k | €81k | €24k | €9k | ▼ 64.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €554k | €471k | €489k | €566k | €403k | ▼ 28.8% |
| Fixed assets21/28 | €16k | €5k | €4k | €4k | €5k | ▲ 15.4% |
| Tangible fixed assets22/27 | €16k | €5k | €4k | €4k | €5k | ▲ 15.4% |
| Land and buildings22 | €8k | - | - | - | - | - |
| Plant, machinery and equipment23 | - | - | - | - | €2k | - |
| Furniture and vehicles24 | €8k | €5k | €4k | €2k | €981 | ▼ 59.4% |
| Other tangible fixed assets26 | - | - | - | €2k | €1k | ▼ 15.4% |
| Current assets29/58 | €537k | €465k | €484k | €562k | €398k | ▼ 29.2% |
| Amounts receivable within one year40/41 | €182k | €73k | €44k | €37k | €9k | ▼ 75.8% |
| Trade receivables40 | €155k | €30k | €25k | €15k | €6k | ▼ 59.2% |
| Other amounts receivable41 | €27k | €42k | €18k | €22k | €3k | ▼ 87.1% |
| Cash at bank and in hand54/58 | €353k | €389k | €438k | €524k | €359k | ▼ 31.6% |
| Deferred charges and accrued income490/1 | €2k | €4k | €3k | €128 | €30k | ▲ 23,472% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €554k | €471k | €489k | €566k | €403k | ▼ 28.8% |
| Equity10/15 | €317k | €256k | €337k | €361k | €337k | ▼ 6.7% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €298k | €237k | €318k | €342k | €318k | ▼ 7.1% |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Distributable reserves133 | €296k | €235k | €316k | €340k | €316k | ▼ 7.2% |
| Profit (loss) carried forward14 | €350 | €302 | - | - | - | - |
| Provisions and deferred taxes16 | €30k | €14k | - | - | - | - |
| Provisions for liabilities and charges160/5 | €30k | €14k | - | - | - | - |
| Other liabilities and charges164/5 | €30k | €14k | - | - | - | - |
| Amounts payable17/49 | €207k | €200k | €152k | €205k | €66k | ▼ 67.7% |
| Amounts payable within one year42/48 | €207k | €200k | €152k | €205k | €66k | ▼ 67.7% |
| Current portion of amounts payable after more than one year42 | €9k | - | - | - | - | - |
| Financial debts43 | - | - | - | €903 | €599 | ▼ 33.7% |
| Other loans439 | - | - | - | €903 | €599 | ▼ 33.7% |
| Trade debts44 | €14k | €2k | €16k | €14k | €21k | ▲ 44.0% |
| Suppliers440/4 | €14k | €2k | €16k | €14k | €21k | ▲ 44.0% |
| Taxes, remuneration and social security45 | €64k | €37k | €7k | €2k | €13k | ▲ 708% |
| Taxes450/3 | €62k | €36k | €5k | €1k | €12k | ▲ 1,034% |
| Remuneration and social security454/9 | €2k | €2k | €2k | €537 | €952 | ▲ 77.2% |
| Other amounts payable47/48 | €120k | €161k | €129k | €188k | €32k | ▼ 82.9% |
| Accrued charges and deferred income492/3 | €5 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €79k | €14k | €81k | €24k | €9k | ▼ 64.0% |
| + Depreciation and write-downs630 | €15k | €2k | €2k | €2k | €2k | ▼ 12.0% |
| Operating cash flow (approximation) | €94k | €16k | €83k | €26k | €11k | ▼ 59.8% |
| Investment in fixed assets (approximation) | - | €8k | €-1k | €-2k | €-3k | ▼ 39.5% |
| Change in cash | - | €35k | €49k | €87k | €-166k | ▼ 291% |
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
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 6.02
Current ratio from 2.74 to 6.02; short-term debt falls from €205k to €66k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
31-12
Financial
Highest result since 2018net €81k ▲482%
Operating result €125k, net result €81k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 92 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 61 days late
2020
31-12
Financial
Back to profitnet €60k
Net result €60k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €238k ▲33.8%
Equity rises from €178k to €238k.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 acts for this company are 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, Liège · 1 establishment unit since 2006
Ground area
707 m²
Building footprint
271 m²
Volume, LiDAR
6,876 m³
2 parcels, Wallonia · tallest building 31.5 m, ±10 floors. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
Bernard ANDRE
since 20062.169.045.308
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62817C0019/00T005 | Wallonia | 470 m² | 1 · 180 m² | 31.5 m · 10 fl. |
| 62805B0476/00V000 | Wallonia | 237 m² | 1 · 91 m² | 21.1 m · 6 fl. |
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.
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 6,562 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded26-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Scores and ratios are computed by Checked and are not a credit decision.