BERNARD WILLEMS
ActiveBERNARD WILLEMS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €571k and a net result of €-26k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▼-82
Solvency88▼-12
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 6.37 in 2024; short-term debt: 19% and cash: 25.7% of total assets), and 36.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Sector 70
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 09-03-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
57 d early
2023
56 d early
2022
58 d early
2021
57 d early
2020
135 d early
2019
94 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€571k▼ 17.8%
2024 · €695k
2018: €139k
2019: €161k
2020: €200k
2021: €323k
2022: €365k
2023: €442k
2024: €695k
2018 → 2025
Total assets
€900k▲ 7.0%
2024 · €841k
2018: €371k
2019: €372k
2020: €423k
2021: €536k
2022: €545k
2023: €588k
2024: €841k
2018 → 2025
Net result
€-26k
2024 · €254k
2018: €19k
2019: €30k
2020: €41k
2021: €124k
2022: €44k
2023: €79k
2024: €254k
2018 → 2025
Working capital
€183k▼ 59.3%
2024 · €449k
2018: €-37k
2019: €-24k
2020: €819
2021: €105k
2022: €122k
2023: €200k
2024: €449k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€323k-€365k▲ 13.1%€442k▲ 21.3%€695k▲ 57.1%€571k▼ 17.8%
Operating result€67k-€66k▼ 0.3%€29k▼ 56.7%€28k▼ 1.1%€-19k
Net result€124k-€44k▼ 64.7%€79k▲ 80.5%€254k▲ 221%€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €19k after €28k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €900k
Fixed assets
€546k▲ 77.5%
Current assets
€354k▼ 33.6%
Equity and liabilities €900k
Equity
€571k▼ 17.8%
Debt
€329k▲ 125%
The debt ratio rises from 17.4% to 36.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▼
2024 · €47k
Cash flow
€-5k▼
2024 · €273k
Solvency
63.4%▼
2024 · 82.6%
Current ratio
2.07▼
2024 · 6.37
Quick ratio
2.07▼
2024 · 6.37
Debt / equity
0.58▲
2024 · 0.21
ROE
-4.5%▼
2024 · 36.6%
ROA
-2.8%▼
2024 · 30.2%
Interest coverage
0.32▼
2024 · 8.36
Debt
€329k▲
2024 · €146k
Debt ≤ 1 year
€171k▲
2024 · €84k
Debt > 1 year
€158k▲
2024 · €63k
Income taxes
€215▼
2024 · €32k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€841k€900k▲
Fixed assets21/28€308k€546k▲
Tangible fixed assets22/27€238k€476k▲
Land and buildings22€222k€468k▲
Plant, machinery and equipment23€11k€6k▼
Furniture and vehicles24€5k€2k▼
Financial fixed assets28€70k€70k=
Current assets29/58€533k€354k▼
Amounts receivable within one year40/41€87k€101k▲
Trade receivables40€25k€29k▲
Other amounts receivable41€62k€72k▲
Current investments50/53€20k€20k▲
Cash at bank and in hand54/58€426k€231k▼
Deferred charges and accrued income490/1€452€950▲
Equity and liabilities
Total equity and liabilities10/49€841k€900k▲
Equity10/15€695k€571k▼
Contributions10/11€20k€20k=
Reserves13€675k€577k▼
Distributable reserves133€675k€577k▼
Profit (loss) carried forward14€0€-26k▼
Amounts payable17/49€146k€329k▲
Amounts payable after more than one year17€63k€158k▲
Financial debts170/4€63k€158k▲
Amounts payable within one year42/48€84k€171k▲
Current portion of amounts payable after more than one year42€17k€25k▲
Trade debts44€814€2k▲
Suppliers440/4€814€2k▲
Taxes, remuneration and social security45€25k€5k▼
Taxes450/3€25k€5k▼
Other amounts payable47/48€41k€139k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€48k€4k▼
Operating profit (loss)9901€28k€-19k▼
Financial income75/76B€263k€409▼
Recurring financial income75€263k€409▼
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€286k€-25k▼
Income taxes67/77€32k€215▼
Profit (loss) for the period9904€254k€-26k▼
Profit (loss) for the period to be appropriated9905€254k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€254k€-26k▼
Transfer from equity791/2€0€98k▲
Transfer to equity691/2€252k€0▼
To other reserves6921€252k€0▼
Profit to be distributed694/7€2k€98k▲
Return on contributions (dividend)694€2k€98k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-26k ▼110%
Net result drops to €-26k, the lowest in the series.
04-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €254k ▲221%
Net result €254k, the highest in the series.
30-09
Financial
Equity above €500kEq €695k ▲57.1%
7 profitable years in a row build equity to €695k.
05-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 2.09
Current ratio from 1.01 to 2.09.
30-09
Financial
Equity above €200kEq €323k ▲61.3%
4 profitable years in a row build equity to €323k.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €161k ▲15.9%
2 profitable years in a row build equity to €161k.
17-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Gent · 1 establishment unit since 2011
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Doornplasstraat 719031 GentGround area
5,222 m²
Building footprint
147 m²
Volume, LiDAR
689 m³
Parcel 44017C0117/00E000, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Doornplasstraat 71, 9031 Gent
since 20112.205.743.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C0117/00E000 | Flanders | 5,222 m² | 1 · 146 m² | 8.6 m · 2 fl. |
Linked by address, not proof of ownership
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.
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SIMPROVED
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DIRK CALUWAERTS
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CRM Consult
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 33,547 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2011
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.