BERNARD T.SERVICES
ActiveSummary
BERNARD T.SERVICES has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116,021 and a net result of -€41,445. Equity is shrinking by ~13.7% per year across the filed fiscal years. Its solvency ranks better than 15% of 7859 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability67▲+2
Solvency29▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
short-term debt: 0.3% and cash: 6.7% of total assets, and 95.7% of the assets are financed with debt.
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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 82
Relative position
BE, all sectors
reference
Office administrative, office support and other business support activities (NACE 82)
about 37% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€41,445
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 7859 sector peers (2025).
NBB · sector comparisonPosition among 7859 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 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 filingsDeviation from the deadline
2025
29 d late
2024
29 d late
2023
30 d late
2022
68 d early
2021
60 d late
2020
13 d late
2019
25 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 17 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 35% 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 29 August (4 of the last 5 filed years within 31 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€929,000
EBIT margin
12.1%
Net result
-€41,445▲ 55.7%
2024 · -€93,492
Working capital
€1.0m▼ 5.4%
2024 · €1.1m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover
Operating result-€243,735-€221,118▲ 9.3%-€81,738▲ 63.0%-€65,377▲ 20.0%-€47,886▲ 26.8%
Net result-€284,129below the sector's middle half-€221,586below the sector's middle half▲ 22.0%-€82,185below the sector's middle half▲ 62.9%-€93,492below the sector's middle half▼ 13.8%-€41,445below the sector's middle half▲ 55.7%
EBIT margin
Equity€104,729within the sector's middle half▼ 73.1%€333,143within the sector's middle half▲ 218%€250,958within the sector's middle half▼ 24.7%€157,466within the sector's middle half▼ 37.3%€116,021within the sector's middle half▼ 26.3%
Total assets€3.4mwithin the sector's middle half▼ 3.5%€3.3mwithin the sector's middle half▼ 4.0%€3.0mwithin the sector's middle half▼ 8.5%€2.9mabove the sector's middle half▼ 5.6%€2.7mabove the sector's middle half▼ 4.6%
Debt€3.3m▲ 5.0%€3.0m▼ 11.0%€2.8m▼ 6.7%€2.7m▼ 2.7%€2.6m▼ 3.3%
Working capital-€1.4mbelow the sector's middle half▼ 17.3%€1.3mabove the sector's middle half€1.2mabove the sector's middle half▼ 6.3%€1.1mabove the sector's middle half▼ 7.4%€1.0mabove the sector's middle half▼ 5.4%
Solvency3.0%below the sector's middle half▼ 7.9pp10.1%below the sector's middle half▲ 7.0pp8.3%below the sector's middle half▼ 1.8pp5.5%below the sector's middle half▼ 2.8pp4.3%below the sector's middle half▼ 1.3pp
Current ratio0.58below the sector's middle half▼ 0.0411.01above the sector's middle half▲ 10.44
Return on assets (ROA)-8.3%below the sector's middle half▼ 8.3pp-6.7%below the sector's middle half▲ 1.5pp-2.7%below the sector's middle half▲ 4.0pp-3.3%below the sector's middle half▼ 0.6pp-1.5%below the sector's middle half▲ 1.8pp
above
within
below
the middle half (P25 to P75) of NACE 82, Office administrative, office support and other business support activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €47,886 in 2025 against €65,377 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.7m
Fixed assets
€1.7m ▼ 4.5%
Current assets
€1.0m ▼ 4.9%
Equity and liabilities €2.7m
Equity
€116,021 ▼ 26.3%
Debt
€2.6m ▼ 3.3%
Debt's share of the balance-sheet total rises from 94.5% to 95.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€30,119▲
2024 · €12,629
Cash flow
€36,560▲
2024 · -€15,486
Quick ratio
90.13
Debt to equity
22.47▲
2024 · 17.12
ROE
-35.7%▲
2024 · -59.4%
Interest coverage
557.77▲
2024 · 77.53
Debt ≤ 1 year
€7,866▲
2024 · €1,979
Debt > 1 year
€2.6m▼
2024 · €2.7m
Income taxes
€0▼
2024 · €29,382
A ratio outside any meaningful range has been withheld (balance sheet total €2.7m, equity €116,021).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 912 companies that looked in July 2024 the way this one looks now, 2.4% went bankrupt within 24 months and 95% are still going.
- Small
- 10 to 20 years old
- solvency under 10%
- a small loss
2.4%
went bankrupt
2.1%
stopped otherwise
95%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 912 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €80,072 | €78,641 | €78,005 | €78,005 | €78,005 | = |
| Other operating charges640/8 | €10,403 | €11,747 | €11,957 | €20,716 | €12,485 | ▼ 39.7% |
| Non-recurring operating charges66A | - | - | - | €2,938 | €0 | ▼ 100% |
| Gross operating margin9900 | -€153,260 | -€130,730 | €8,225 | €36,283 | €42,605 | ▲ 17.4% |
| Operating profit (loss)9901 | -€243,735 | -€221,118 | -€81,738 | -€65,377 | -€47,886 | ▲ 26.8% |
| Financial income75/76B | - | - | - | €1,430 | €6,495 | ▲ 354% |
| Recurring financial income75 | - | - | - | €1,430 | €6,495 | ▲ 354% |
| Financial charges65/66B | €40,394 | €467 | €448 | €163 | €54 | ▼ 66.8% |
| Recurring financial charges65 | €40,394 | €467 | €448 | €163 | €54 | ▼ 66.8% |
| Profit (loss) for the period before taxes9903 | -€284,129 | -€221,586 | -€82,185 | -€64,109 | -€41,445 | ▲ 35.4% |
| Income taxes67/77 | - | - | - | €29,382 | €0 | ▼ 100% |
| Profit (loss) for the period9904 | -€284,129 | -€221,586 | -€82,185 | -€93,492 | -€41,445 | ▲ 55.7% |
| Profit (loss) for the period to be appropriated9905 | -€284,129 | -€221,586 | -€82,185 | -€93,492 | -€41,445 | ▲ 55.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €3.4m | €3.3m | €3.0m | €2.9m | €2.7m | ▼ 4.6% |
| Fixed assets21/28 | €1.5m | €1.9m | €1.8m | €1.8m | €1.7m | ▼ 4.5% |
| Tangible fixed assets22/27 | €786,701 | €1.2m | €1.1m | €1.0m | €924,044 | ▼ 7.8% |
| Land and buildings22 | €768,824 | €1.1m | €1.1m | €985,523 | €907,847 | ▼ 7.9% |
| Plant, machinery and equipment23 | €682 | - | - | - | - | - |
| Furniture and vehicles24 | €17,194 | €17,185 | €16,856 | €16,527 | €16,197 | ▼ 2.0% |
| Financial fixed assets28 | €751,500 | €754,250 | €752,750 | €750,750 | €750,750 | = |
| Current assets29/58 | €1.9m | €1.4m | €1.2m | €1.1m | €1.0m | ▼ 4.9% |
| Stocks and contracts in progress3 | €956,377 | €604,300 | €338,800 | €338,800 | €338,800 | = |
| Stocks30/36 | €956,377 | €604,300 | €338,800 | €338,800 | €338,800 | = |
| Amounts receivable within one year40/41 | €219,240 | €64,559 | €36,341 | €38,383 | €11,871 | ▼ 69.1% |
| Trade receivables40 | €217,740 | €60,847 | - | €2,400 | €8,746 | ▲ 264% |
| Other amounts receivable41 | €1,500 | €3,712 | €36,341 | €35,983 | €3,125 | ▼ 91.3% |
| Current investments50/53 | - | - | - | €435,430 | €512,977 | ▲ 17.8% |
| Cash at bank and in hand54/58 | €729,647 | €724,056 | €815,005 | €288,013 | €183,470 | ▼ 36.3% |
| Deferred charges and accrued income490/1 | - | - | €560 | €592 | €626 | ▲ 5.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €3.4m | €3.3m | €3.0m | €2.9m | €2.7m | ▼ 4.6% |
| Equity10/15 | €104,729 | €333,143 | €250,958 | €157,466 | €116,021 | ▼ 26.3% |
| Contributions10/11 | €510,000 | €510,000 | €510,000 | €510,000 | €510,000 | = |
| Capital10 | €510,000 | €510,000 | - | - | - | - |
| Issued capital100 | €510,000 | €510,000 | - | - | - | - |
| Outside capital11 | - | - | €510,000 | - | - | - |
| Other1109/19 | - | - | €510,000 | - | - | - |
| Revaluation surpluses12 | - | €450,000 | €450,000 | €450,000 | €450,000 | = |
| Reserves13 | €5,620 | €5,620 | €5,620 | €5,620 | €5,620 | = |
| Non-distributable reserves130/1 | €5,620 | €5,620 | - | - | - | - |
| Legal reserve130 | €5,620 | €5,620 | - | - | - | - |
| Distributable reserves133 | - | - | €5,620 | €5,620 | €5,620 | = |
| Profit (loss) carried forward14 | -€410,891 | -€632,477 | -€714,662 | -€808,154 | -€849,599 | ▼ 5.1% |
| Amounts payable17/49 | €3.3m | €3.0m | €2.8m | €2.7m | €2.6m | ▼ 3.3% |
| Amounts payable after more than one year17 | - | €2.8m | €2.8m | €2.7m | €2.6m | ▼ 3.6% |
| Other amounts payable178/9 | - | €2.8m | €2.8m | €2.7m | €2.6m | ▼ 3.6% |
| Amounts payable within one year42/48 | €3.3m | €126,463 | €3,763 | €1,979 | €7,866 | ▲ 297% |
| Trade debts44 | €150,112 | €126,463 | €3,763 | €1,979 | €7,866 | ▲ 297% |
| Suppliers440/4 | €150,112 | €126,463 | €3,763 | €1,979 | €7,866 | ▲ 297% |
| Taxes, remuneration and social security45 | €167,359 | - | - | - | - | - |
| Taxes450/3 | €167,359 | - | - | - | - | - |
| Other amounts payable47/48 | €3.0m | - | - | - | - | - |
| Accrued charges and deferred income492/3 | €38,797 | - | - | €74 | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€284,129 | -€221,586 | -€82,185 | -€93,492 | -€41,445 | ▲ 55.7% |
| + Depreciation and write-downs630 | €80,072 | €78,641 | €78,005 | €78,005 | €78,005 | = |
| Operating cash flow (approximation) | -€204,057 | -€142,945 | -€4,180 | -€15,486 | €36,560 | ▲ 336% |
| Investment in fixed assets (approximation) | - | -€452,750 | €1,500 | €2,000 | €0 | ▼ 100% |
| Change in cash | - | -€5,591 | €90,949 | -€526,992 | -€104,543 | ▲ 80.2% |
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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Liquidity times 29current ratio 316.42
Current ratio from 11.01 to 316.42; short-term debt falls from €126,463 to €3,763.
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity times 19current ratio 11.01
Current ratio from 0.58 to 11.01; short-term debt falls from €3.3m to €126,463.
31-12
Financial
Equity above €200,000Eq €333,143 ▲218%
Equity rises from €104,729 to €333,143.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 60 days late
2021
31-12
Financial
Weakest financial yearnet -€284,129
Net result drops to -€284,129, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 13 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 25 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 14 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 56 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Herve · 1 establishment unit since 2007
Ground area
4,146 m²
Building footprint
470 m²
Volume, LiDAR
3,270 m³
Parcel 63030B0108/00D000, Wallonia · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
Rue Longue Haie 31, 4650 Herve
since 20072.192.287.003
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63030B0108/00D000 | Wallonia | 4,146 m² | 1 · 470 m² | 10.5 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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
- FLIESEN- UND NATURSTEINCENTERsubsidiarySourceown accounts 2025100%
According to the 2025 annual accounts of BERNARD T.SERVICES and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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AD HOC DATA
BE 0898.717.074
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Of 24,516 companies in sector 82990 we hold annual accounts for 9,420. 7,168 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
Founded13-12-2007
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
68121Development of residential building projects
68203Renting and operating of own or leased non-residential real estate, excluding land
82100Office administrative and support services
Contact
Fax
085/274270Herve
E-invoicing
Reachable via Peppol
Peppol ID
0208:0894145802
Also
9925:BE0894145802
Registered
16-07-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.