Active BE 0729.948.754Private limited company

Bernard & Partners

Hovenierstraat 8 ·2520 Ranst, Belgium· 7 yrs active

Sector: Other financial services (64999)

Conclusion Checked

Bernard & Partners 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 €116k and a net result of €41k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 84% of 7837 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 5 annual accounts.

Key figures

Equity	€116k
Net result	€41k
Better than sector	84%
Active	7 yrs

Financial profile 4 of 5 axes measured · computed by Checked

94 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 100

Growth 78

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

More than 3 years active

Founded in 2019, past the statistically most fragile first 3 years.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Checked score

Model not applicable to financial institutions

The health 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.

Financial overview6 NBB filings

Annual accounts filed on 25-08-2026 with the NBB · fiscal year 2025 · micro schema

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~9%/year over 5 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial service activities, except insurance and pension funding · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	86.2%	51.3%	better than 84% of 7837 sector peers
Net result	€41k	€33k	better than 55% of 7841 sector peers
Equity	€116k	€132k	better than 47% of 7843 sector peers
Gross operating margin	€67k	€63k	better than 52% of 7830 sector peers
Total assets	€134k	€337k	better than 26% of 7840 sector peers

Net profit

€41k

+65.5% 21-25

Total assets

€134k

+7.9% 21-25

Equity

€116k

+42.2% 21-25

Income taxes

€11k

+44.6% 21-25

Dividends

€0

-100.0% 21-25

Debt

€19k

-56.9% 21-25

Debt ≤ 1y

€18k

-58.2% 21-25

Solvency

86.2%

+31.8% 21-25

ROE

35.3%

+16.4% 21-25

ROA

30.5%

+53.4% 21-25

Figures by fiscal year and ratios

Highlight YoY changes (±10%)

Fiscal year	2025	2024	2023	2022	2021
Deposit	micro schema	micro schema	micro schema	micro schema	micro schema
Revenue	n/a	n/a	n/a	n/a	n/a
EBITDA	n/a	n/a	n/a	n/a	n/a
Net profit	€41k	€25k	€14k	€-4k	€6k
Cash flow	n/a	n/a	n/a	n/a	n/a
Staff costs	-	-	-	-	-
Income taxes	€11k	€7k	€7k	€259	€2k
Dividends	€0	€30k	-	-	-
Total assets	€134k	€124k	€103k	€86k	€102k
Equity	€116k	€81k	€87k	€73k	€77k
Debt	€19k	€43k	€17k	€13k	€25k
of which ≤ 1y	€18k	€42k	€16k	€13k	€25k
of which > 1y	-	-	-	-	-
Working capital	n/a	n/a	n/a	n/a	n/a
Employees (FTE)	-	-	-	-	-

Ratios (computed)

	2025	2024	2023	2022	2021
Current ratio	n/a	n/a	n/a	n/a	n/a
Quick ratio	n/a	n/a	n/a	n/a	n/a
Working capital ratio	n/a	n/a	n/a	n/a	n/a
Solvency	86.2%	65.4%	83.9%	84.7%	75.2%
Debt / equity	n/a	n/a	n/a	n/a	n/a
Long-term debt ratio	n/a	n/a	n/a	n/a	n/a
Interest coverage	n/a	n/a	n/a	n/a	n/a
Gross margin	n/a	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	n/a	n/a	n/a
ROA	30.5%	19.9%	13.6%	-5.0%	5.9%
ROE	35.3%	30.4%	16.2%	-5.9%	7.8%
EBITDA margin	n/a	n/a	n/a	n/a	n/a
Days sales outstanding	n/a	n/a	n/a	n/a	n/a
Days payable outstanding	n/a	n/a	n/a	n/a	n/a
Inventory turnover	n/a	n/a	n/a	n/a	n/a
Days inventory (DSI)	n/a	n/a	n/a	n/a	n/a

Balance-sheet composition 2025

Assets

Fixed assets €55k · 41.0% Current assets €79k · 59.0%

Equity & liabilities

Equity €116k · 86.2% Debt €19k · 13.8%

Full annual accounts (23 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025	2024	2023	2022	2021
Balance sheet, Assets
TOTAL ASSETS	20/58	€134k	€124k	€103k	€86k	€102k
Fixed assets	21/28	€55k	€59k	€64k	€57k	€56k
Tangible fixed assets	22/27	€55k	€59k	€64k	€57k	€56k
Financial fixed assets	28	€150	€150	€150	€150	€150
Current assets	29/58	€79k	€65k	€39k	€29k	€46k
Amounts receivable within one year	40/41	€29k	€35k	€18k	€12k	€14k
Cash & bank	54/58	€49k	€28k	€19k	€16k	€32k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€134k	€124k	€103k	€86k	€102k
Equity	10/15	€116k	€81k	€87k	€73k	€77k
Contributions / capital	10/11	€3k	€3k	€3k	€3k	€3k
Reserves	13	€113k	€78k	€84k	€70k	€74k
Accumulated profits (losses)	14	€0	€0	-	-	-
Amounts payable	17/49	€19k	€43k	€17k	€13k	€25k
Amounts payable within one year	42/48	€18k	€42k	€16k	€13k	€25k
Trade debts payable within one year	44	€233	€946	€3k	€2k	€2k
Income statement
Gross operating margin	9900	€67k	€45k	€30k	€6k	€17k
Operating result	9901	€52k	€32k	€21k	€-3k	€9k
Financial income	75	€0	€0	€12	€0	€1
Financial charges	65	€135	€126	€104	€640	€487
Result before taxes	9903	€51k	€32k	€21k	€-4k	€8k
Income taxes	67/77	€11k	€7k	€7k	€259	€2k
Net result for the period	9904	€41k	€25k	€14k	€-4k	€6k
Result to be appropriated	9905	€41k	€25k	€14k	€-4k	€6k

Legal Structure

NACE primary	Other financial services(64999)
Legal form	Private limited company(610)
Incorporation	09-07-2019
Status	Active
Postal code	2520

Establishment units 1 location

Bernard & Partners

Hovenierstraat 8, 2520 RanstFinancial service activities, except insurance and pension funding

since 20192.291.458.516

Real-estate footprint Source: CBE × cadastre

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11035C0497/00A000	Flanders	1.1 ha	1 · 178 m²	5.1 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 6 events

All 11Financial 5Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

25-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 25 days late

2025

31-12

Financial Highest result since 2021net €41k ▲65.5%

Operating result €52k, net result €41k, both a record.

31-12

Financial Liquidity triplescurrent ratio 4.51

Current ratio from 1.55 to 4.51; short-term debt falls from €42k to €18k.

31-12

Financial Equity above €100kEq €116k ▲42.2%

3 profitable years in a row build equity to €116k.

02-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

12-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €14k

Net result €14k after one loss-making year.

19-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Weakest financial yearnet €-4k ▼172%

Net result drops to €-4k, the lowest in the series; recovery starts the following year.

17-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 17 days late

2021

02-07

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Belgian State Gazette reading coverage 0 of 2 acts read

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.

Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Other financial services64999Crop and animal production, hunting and related service activities01210Growing of pome and stone fruits01240Manufacture of beverages11020Manufacture of beverages11030Wholesale of beverages, general range46349IT consultancy62020Computer consultancy and computer facilities management62200Other activities auxiliary to financial services, excluding insurance and pension funding66199Business and other management consultancy70200Business consulting70220Office administrative and support services82100Office administrative, office support and other business support activities82110Other business support services82990

Names & trade names

Legal nameNL	Bernard & Partners
AbbreviationNL	BPBV

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