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BERNARD DELTOUR

Active
Private limited companyfounded 200323 yrs activeHollebeekstraat 443, 1630 Linkebeek, BelgiumKBO/BCE: BE 0479.521.280
Summary

BERNARD DELTOUR has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.1m and a net result of €83,762. Equity remains stable across the filed fiscal years (±1.7% per year). Its solvency ranks better than 64% of 15547 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
BERNARD DELTOURActiveChecked score 94/100
Risk analysis ReportCompare

Overview

Activity
Activities of lawyers
NACE 69101
#4 company by total assets in Linkebeek, Professional and technical services sector
Size
€1.6mtotal assets 2025
Equity
€1.1m
Profit
€83,762
Turnover not published (abridged schema)
Financial health
94 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Structure
Accounts filed 54 d late1 of 3 deeds read
Why 94- Latest accounts 54 days late; 3 of the last 3 late+ Sector Legal and accounting activities (NACE 69)+ Liquidity: current ratio 1.92, cash €406,662+ Size: total assets €1.6mShow the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Better than 51% of its sector peers (NACE 69, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 95+8
equity 70.0% of total assets
Liquidity 72+2
short-term debt 26.2% · cash 25.5%
Profitability 75-9
return on assets 5.3%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median < 0.1% (19,836 companies)
Last 24 months 11-2024: 0.3% 12-2024: 0.3%● 0.0% vs 11-2024 01-2025: 0.3%▼ -0.8% vs 12-2024 02-2025: 0.3%▲ +2.7% vs 01-2025 03-2025: 0.3%▲ +12.4% vs 02-2025 04-2025: 0.3%▲ +3.3% vs 03-2025 05-2025: 0.3%▲ +3.2% vs 04-2025 06-2025: 0.3%▼ -8.8% vs 05-2025 07-2025: 0.4%▲ +33.6% vs 06-2025 08-2025: 0.6%▲ +43.8% vs 07-2025 09-2025: 0.6%▲ +12.1% vs 08-2025highest value 10-2025: < 0.1%▼ -92.4% vs 09-2025 11-2025: < 0.1%● 0.0% vs 10-2025 12-2025: < 0.1%● 0.0% vs 11-2025 01-2026: < 0.1%▼ -2.1% vs 12-2025lowest value 02-2026: < 0.1%▲ +2.1% vs 01-2026 03-2026: 0.1%▲ +8.3% vs 02-2026 04-2026: 0.1%▼ -1.9% vs 03-2026 05-2026: 0.1%▲ +3.9% vs 04-2026 06-2026: 0.1%▼ -5.7% vs 05-2026 07-2026: 0.1%▲ +30.0% vs 06-2026 08-2026: 0.1%▲ +73.8% vs 07-2026 09-2026: 0.1%▲ +6.2% vs 08-2026 10-2026: 0.1%▼ -52.5% vs 09-2026
  • Latest accounts 54 days late; 3 of the last 3 late raises the probability
  • Sector Legal and accounting activities (NACE 69) lowers the probability
  • Liquidity: current ratio 1.92, cash €406,662 lowers the probability
  • Size: total assets €1.6m lowers the probability for this profile
Credit up to €100,000 at 30 days acceptable
Liquidity ample (current ratio 1.92 against 1.59 in 2024; short-term debt: 26.2% and cash: 25.5% of total assets), and 30% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 69, micro). Better than this share of them on solvency 67%, liquidity 61%, profitability 27%, growth against the median 52%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 54 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Sector Legal and accounting activities (NACE 69)
In the bankruptcy model this factor lowers the probability.
KBO
lowers risk · Liquidity: current ratio 1.92, cash €406,662
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: total assets €1.6m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €1.1m
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-09-2026, 54 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 filings
Deviation from the deadline
2025
54 d late
2024
60 d late
2023
58 d late
2022
46 d late
2021
10 d late
2020
6 d late
2019
21 d 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 36 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.

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. Usually files around 23 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
04-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Statutes amendment · Legal-form change ·…Capital conversion · Registered-office move…
  2. Annual accounts filedfiscal year 2025 · micro…
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Positive: Among the best 5% on equitysector median €85,524 · 15,551 companies €1.1m View
  • Caution: Result fell in 2025from €197,793 to €83,762 ▼ 57.7% View
  • Positive: 5 profitable years in a rowprofit 2025: €83,762 5 years View

By topic

Financials

Fiscal year
2025
Total assets
€1.6m
Profit
€83,762
Solvency
70.0%
Total assets▼ 3.9%
Net result
20182025
Go to Financials

Timeline

Events
15
Since
2017
Next accounts
by 31-07-2027
  1. 29-09-2026Statutes amendment · Legal-form change · Resignations…
  2. 23-09-2026Annual accounts filed
  3. 29-09-2025Annual accounts filed
Go to Timeline

Company details

Legal form
Private limited company
Activity
Activities of lawyersNACE 69101
Founded
11-02-2003
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
9
Purpose
De uitoefening van het beroep van advocaat, hetzij alleen, hetzij met anderen, en alle…
Go to Articles of association

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