Financials
- Financial year
- 2025
- Total assets
- €77,645
- Loss
- -€17,909
- Solvency
- 30.9%
Total assets▼ 30.9%
Net result
20182025
Bernard DESTEXHE
ActiveSummary
Bernard DESTEXHE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €23,989 and a net result of -€17,909. Equity is shrinking by about 21% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2027. Its solvency ranks better than 34% of 3,018 sector peers (NACE 66, financial year 2025). The company has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Insurance agents and brokers
NACE 66220
1 site
Size
€77,645total assets 2025
- Equity
- €23,989
- Loss
- -€17,909
Turnover not published (micro format)
Financial health
Financial institution: outside the modelBankruptcy probability: sector outside the model
Structure
Accounts filed 18 days late0 of 2 deeds read
SignalsneutralA punctual record breaksShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Bankruptcy probability, 12 months
This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.
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Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
1 signal.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 days late. Weigh it accordingly: of the companies that move to filing 1 to 90 days late, 1.41% are in a legal situation other than normal, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
18 days late
2024
31 days early
2023
7 days early
2022
30 days early
2021
36 days early
2020
26 days early
2019
181 days 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 10 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 1 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsWhere today falls in the filing period
09-10-2026 today31-12-2026 year end31-07-2027 deadline
- Annual accounts filedfinancial year 2025 · micro…
- Annual accounts filedfinancial year 2024 · micro…
- Annual accounts filedfinancial year 2023 · micro…
Key points
By topic
Timeline
- Events
- 19
- Since
- 2011
- Next accounts
- by 31-07-2027
- 31-12-2023Liquidity more than doubles
- 01-07-2023Annual accounts filed
- 25-06-2022Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Insurance agents and brokersNACE 66220
- Founded
- 13-11-2009
- Year ends
- 31-12
- Peppol
- Not found in the Peppol directory
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