Bernard GOFFINET
ActiveSummary
Bernard GOFFINET has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €199k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency39▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.02 against 1.01 in 2024; short-term debt: 85.7% and cash: 80.9% of total assets), and 85.7% of the assets are financed with debt.
Credit check 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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
14.3%
Return on assets
69.9%
Age of the figures
9 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 20%
← weakest
strongest →
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 24-03-2026, 129 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
129 d early
2024
84 d early
2023
126 d early
2022
123 d early
2021
4 d early
2020
30 d late
2019
31 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
Equity
€41k▼ 22.3%
2024 · €52k
2018: €61k
2019: €23k▼ -61.7% vs 2018lowest in 8 years
2020: €33k▲ +40.3% vs 2019
2021: €40k▲ +22.3% vs 2020
2022: €43k▲ +7.4% vs 2021
2023: €72k▲ +66.7% vs 2022highest in 8 years
2024: €52k▼ -27.3% vs 2023
2025: €41k▼ -22.3% vs 2024
2018 → 2025
Total assets
€285k▼ 36.8%
2024 · €451k
2018: €121klowest in 8 years
2019: €145k▲ +19.3% vs 2018
2020: €242k▲ +67.3% vs 2019
2021: €270k▲ +11.7% vs 2020
2022: €287k▲ +6.3% vs 2021
2023: €309k▲ +7.6% vs 2022
2024: €451k▲ +45.9% vs 2023highest in 8 years
2025: €285k▼ -36.8% vs 2024
2018 → 2025
Net result
€199k▼ 2.9%
2024 · €205k
2018: €37k
2019: €12k▼ -66.9% vs 2018lowest in 8 years
2020: €113k▲ +825% vs 2019
2021: €137k▲ +21.3% vs 2020
2022: €183k▲ +33.2% vs 2021
2023: €215k▲ +17.4% vs 2022highest in 8 years
2024: €205k▼ -4.4% vs 2023
2025: €199k▼ -2.9% vs 2024
2018 → 2025
Working capital
€5k▼ 6.7%
2024 · €5k
2018: €42khighest in 8 years
2019: €2k▼ -94.2% vs 2018
2020: €2k▼ -2.2% vs 2019lowest in 8 years
2021: €23k▲ +884% vs 2020
2022: €13k▼ -43.5% vs 2021
2023: €5k▼ -63.7% vs 2022
2024: €5k▲ +13.1% vs 2023
2025: €5k▼ -6.7% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€43k▲ 7.4%€72k▲ 66.7%€52k▼ 27.3%€41k▼ 22.3%
2021: €40klowest in 5 years
2022: €43k▲ +7.4% vs 2021
2023: €72k▲ +66.7% vs 2022highest in 5 years
2024: €52k▼ -27.3% vs 2023
2025: €41k▼ -22.3% vs 2024
Operating result€181k-€244k▲ 34.6%€283k▲ 16.2%€270k▼ 4.7%€261k▼ 3.3%
2021: €181klowest in 5 years
2022: €244k▲ +34.6% vs 2021
2023: €283k▲ +16.2% vs 2022highest in 5 years
2024: €270k▼ -4.7% vs 2023
2025: €261k▼ -3.3% vs 2024
Net result€137k-€183k▲ 33.2%€215k▲ 17.4%€205k▼ 4.4%€199k▼ 2.9%
2021: €137klowest in 5 years
2022: €183k▲ +33.2% vs 2021
2023: €215k▲ +17.4% vs 2022highest in 5 years
2024: €205k▼ -4.4% vs 2023
2025: €199k▼ -2.9% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €285k
Fixed assets
€36k ▼ 24.1%
Current assets
€249k ▼ 38.2%
Equity and liabilities €285k
Equity
€41k ▼ 22.3%
Debt
€244k ▼ 38.7%
Debt's share of the balance-sheet total falls from 88.4% to 85.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€276k▼
2024 · €290k
Cash flow
€214k▼
2024 · €226k
Current ratio
1.02▲
2024 · 1.01
Debt to equity
6.00▼
2024 · 7.61
ROE
489.6%▲
2024 · 392.1%
ROA
69.9%▲
2024 · 45.6%
Interest coverage
33.49▼
2024 · 304.89
Debt ≤ 1 year
€244k▼
2024 · €398k
Income taxes
€62k▼
2024 · €65k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€451k€285k▼
Fixed assets21/28€47k€36k▼
Tangible fixed assets22/27€47k€36k▼
Furniture and vehicles24€36k€26k▼
Other tangible fixed assets26€11k€10k▼
Current assets29/58€404k€249k▼
Amounts receivable within one year40/41€37k€14k▼
Trade receivables40€37k€4k▼
Other amounts receivable41-€10k
Current investments50/53€14k-
Cash at bank and in hand54/58€348k€231k▼
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€451k€285k▼
Equity10/15€52k€41k▼
Contributions10/11€20k€20k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€26k€14k▼
Amounts payable17/49€398k€244k▼
Amounts payable within one year42/48€398k€244k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€36k€28k▼
Taxes450/3€36k€28k▼
Other amounts payable47/48€358k€212k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€15k▼
Other operating charges640/8€5k€4k▼
Gross operating margin9900€295k€281k▼
Operating profit (loss)9901€270k€261k▼
Financial income75/76B€2k€9k▲
Recurring financial income75€2k€9k▲
Financial charges65/66B€952€8k▲
Recurring financial charges65€952€8k▲
Profit (loss) for the period before taxes9903€271k€261k▼
Income taxes67/77€65k€62k▼
Profit (loss) for the period9904€205k€199k▼
Profit (loss) for the period to be appropriated9905€205k€199k▼
Appropriation of the result
Profit (loss) to be appropriated9906€251k€225k▼
Profit (loss) brought forward from the previous period14P€46k€26k▼
Profit to be distributed694/7€225k€211k▼
Return on contributions (dividend)694€225k€211k▼
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 |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €19k | €10k | €20k | €21k | €15k | ▼ 26.2% |
| Other operating charges640/8 | €6k | €5k | €6k | €5k | €4k | ▼ 3.8% |
| Gross operating margin9900 | €206k | €258k | €309k | €295k | €281k | ▼ 4.9% |
| Operating profit (loss)9901 | €181k | €244k | €283k | €270k | €261k | ▼ 3.3% |
| Financial income75/76B | €0 | - | - | €2k | €9k | ▲ 334% |
| Recurring financial income75 | €0 | - | - | €2k | €9k | ▲ 334% |
| Financial charges65/66B | €330 | €249 | €257 | €952 | €8k | ▲ 766% |
| Recurring financial charges65 | €330 | €249 | €257 | €952 | €8k | ▲ 766% |
| Profit (loss) for the period before taxes9903 | €181k | €243k | €283k | €271k | €261k | ▼ 3.5% |
| Income taxes67/77 | €43k | €60k | €68k | €65k | €62k | ▼ 5.3% |
| Profit (loss) for the period9904 | €137k | €183k | €215k | €205k | €199k | ▼ 2.9% |
| Profit (loss) for the period to be appropriated9905 | €137k | €183k | €215k | €205k | €199k | ▼ 2.9% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €270k | €287k | €309k | €451k | €285k | ▼ 36.8% |
| Fixed assets21/28 | €26k | €32k | €68k | €47k | €36k | ▼ 24.1% |
| Tangible fixed assets22/27 | €26k | €32k | €68k | €47k | €36k | ▼ 24.1% |
| Furniture and vehicles24 | €26k | €18k | €55k | €36k | €26k | ▼ 27.3% |
| Other tangible fixed assets26 | - | €14k | €12k | €11k | €10k | ▼ 13.5% |
| Current assets29/58 | €244k | €255k | €241k | €404k | €249k | ▼ 38.2% |
| Amounts receivable within one year40/41 | €29k | €5k | €27k | €37k | €14k | ▼ 62.8% |
| Trade receivables40 | €28k | €5k | €617 | €37k | €4k | ▼ 89.9% |
| Other amounts receivable41 | €183 | - | €26k | - | €10k | - |
| Current investments50/53 | - | - | - | €14k | - | - |
| Cash at bank and in hand54/58 | €213k | €248k | €211k | €348k | €231k | ▼ 33.7% |
| Deferred charges and accrued income490/1 | €2k | €2k | €4k | €5k | €5k | ▲ 7.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €270k | €287k | €309k | €451k | €285k | ▼ 36.8% |
| Equity10/15 | €40k | €43k | €72k | €52k | €41k | ▼ 22.3% |
| Contributions10/11 | €19k | €19k | €20k | €20k | €20k | = |
| Reserves13 | €8k | €8k | €6k | €6k | €6k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €6k | €6k | €6k | €6k | €6k | = |
| Profit (loss) carried forward14 | €14k | €17k | €46k | €26k | €14k | ▼ 45.0% |
| Amounts payable17/49 | €230k | €244k | €237k | €398k | €244k | ▼ 38.7% |
| Amounts payable after more than one year17 | €9k | €1k | - | - | - | - |
| Financial debts170/4 | €9k | €1k | - | - | - | - |
| Amounts payable within one year42/48 | €221k | €242k | €237k | €398k | €244k | ▼ 38.7% |
| Current portion of amounts payable after more than one year42 | €8k | €8k | €1k | - | - | - |
| Trade debts44 | €533 | €5k | €4k | €4k | €5k | ▲ 26.8% |
| Suppliers440/4 | €533 | €5k | €4k | €4k | €5k | ▲ 26.8% |
| Taxes, remuneration and social security45 | €82k | €49k | €45k | €36k | €28k | ▼ 24.4% |
| Taxes450/3 | €73k | €43k | €39k | €36k | €28k | ▼ 24.4% |
| Remuneration and social security454/9 | €9k | €6k | €6k | - | - | - |
| Other amounts payable47/48 | €131k | €181k | €186k | €358k | €212k | ▼ 40.9% |
| Accrued charges and deferred income492/3 | €500 | €250 | €250 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €137k | €183k | €215k | €205k | €199k | ▼ 2.9% |
| + Depreciation and write-downs630 | €19k | €10k | €20k | €21k | €15k | ▼ 26.2% |
| Operating cash flow (approximation) | €156k | €193k | €235k | €226k | €214k | ▼ 5.1% |
| Investment in fixed assets (approximation) | - | €-15k | €-56k | €0 | €-4k | - |
| Change in cash | - | €36k | €-38k | €137k | €-117k | ▼ 185% |
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
24-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €215k ▲17.4%
Operating result €283k, net result €215k, both a record.
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €12k ▼66.9%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Chaudfontaine · 1 establishment unit since 2015
Ground area
5,409 m²
Building footprint
271 m²
Volume, LiDAR
1,836 m³
Parcel 62012E0024/00E012, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
bernard GOFFINET
since 20152.238.404.959
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012E0024/00E012 | Wallonia | 5,409 m² | 1 · 271 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500D2RYEYX1MYFI80
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 36,816 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
Founded22-01-2015
Fiscal year end31-12
Abbreviation FR
BG
Activities, NACEBEL 2025
70200Business and other management consultancy
46820Wholesale trade
Contact
Phone
04/365.10.01Chaudfontaine
Scores and ratios are computed by Checked and are not a credit decision.