Bernard De Meyer
ActiveBernard De Meyer has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €116k. Equity is growing by ~95.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+3
Solvency97▲+21
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.54 against 2.0 in 2024; short-term debt: 27.5% and cash: 49.8% of total assets), and 28.3% 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
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
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
71.7%
Return on assets
42.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 3 filingsDeviation from the deadline
2025
14 d late
2024
28 d late
2023
23 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€195k▲ 148%
2024 · €79k
2023: €44k
2024: €79k
2023 → 2025
Total assets
€272k▲ 74.6%
2024 · €156k
2023: €115k
2024: €156k
2023 → 2025
Net result
€116k▲ 225%
2024 · €36k
2023: €44k
2024: €36k
2023 → 2025
Working capital
€190k▲ 163%
2024 · €72k
2023: €36k
2024: €72k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€44k-€79k▲ 79.4%€195k▲ 148%
Operating result€61k-€46k▼ 23.8%€152k▲ 228%
Net result€44k-€36k▼ 18.3%€116k▲ 225%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 228% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€7k▼ 34.8%
Current assets
€265k▲ 83.2%
Equity and liabilities €272k
Equity
€195k▲ 148%
Debt
€77k=
The debt ratio falls from 49.4% to 28.3%. Equity is higher.
Key figures and ratios
EBITDA
€156k▲
2024 · €50k
Cash flow
€120k▲
2024 · €40k
Solvency
71.7%▲
2024 · 50.6%
Current ratio
3.54▲
2024 · 2.00
Quick ratio
3.54▲
2024 · 2.00
Debt / equity
0.39▼
2024 · 0.98
ROE
59.6%▲
2024 · 45.4%
ROA
42.7%▲
2024 · 22.9%
Interest coverage
259.65▲
2024 · 87.25
Debt
€77k=
2024 · €77k
Debt ≤ 1 year
€75k▲
2024 · €72k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€35k▲
2024 · €10k
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€156k€272k▲
Fixed assets21/28€11k€7k▼
Tangible fixed assets22/27€11k€7k▼
Furniture and vehicles24€11k€7k▼
Financial fixed assets28€400€400=
Current assets29/58€145k€265k▲
Amounts receivable within one year40/41€107k€129k▲
Trade receivables40€107k€124k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€37k€136k▲
Deferred charges and accrued income490/1€191€191=
Equity and liabilities
Total equity and liabilities10/49€156k€272k▲
Equity10/15€79k€195k▲
Contributions10/11€1k€1k=
Reserves13€78k€193k▲
Distributable reserves133€78k€193k▲
Profit (loss) carried forward14€410€1k▲
Amounts payable17/49€77k€77k=
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€5k€2k▼
Amounts payable within one year42/48€72k€75k▲
Current portion of amounts payable after more than one year42€2k€3k▲
Trade debts44€3k€220▼
Suppliers440/4€3k€220▼
Taxes, remuneration and social security45€41k€48k▲
Taxes450/3€41k€48k▲
Other amounts payable47/48€26k€24k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€676€695▲
Gross operating margin9900€51k€156k▲
Operating profit (loss)9901€46k€152k▲
Financial charges65/66B€576€600▲
Recurring financial charges65€576€600▲
Profit (loss) for the period before taxes9903€46k€151k▲
Income taxes67/77€10k€35k▲
Profit (loss) for the period9904€36k€116k▲
Profit (loss) for the period to be appropriated9905€36k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€117k▲
Profit (loss) brought forward from the previous period14P€2k€410▼
Transfer to equity691/2€37k€116k▲
To other reserves6921€37k€116k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Highest result since 2023net €116k ▲225%
Operating result €152k, net result €116k, both a record.
31-12
Financial
Equity above €150kEq €195k ▲148%
3 profitable years in a row build equity to €195k.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €36k ▼18.3%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Gent · 1 establishment unit since 2023
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.
Coupure 1589000 GentGround area
2,112 m²
Building footprint
712 m²
Volume, LiDAR
11,816 m³
2 parcels, Flanders · tallest building 20.9 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Bernard De Meyer
since 20232.345.484.051
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F2064/00G000 | Flanders | 1,765 m² | 1 · 365 m² | 20.9 m · 7 fl. |
| 44804D2537/00F005 | Flanders | 348 m² | 1 · 347 m² | 20.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 22,054 companies in sector 69101 we hold annual accounts for 9,053. 7,297 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2023
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.