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BERNARDFAGNE

Active
Non-profit associationfounded 1969active for 57 yearsAllée de Bernardfagne 7, 4190 Ferrières, BelgiumKBO/BCE: BE 0410.578.828
Summary

BERNARDFAGNE has been active since 1969 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €987,381 and a net result of €79,789. Equity is shrinking by about 2.7% per year across the filed financial years. Its solvency ranks better than 68% of 5,674 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow ReportCompare
BERNARDFAGNEActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203Accommodation NACE 55900
2nd oldest company in Ferrières1 site
Size
€21,697turnover 2025
Staff
22.5 FTE
Equity
€987,381
Surplus
€79,789
Financial health
98 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
< 0.1%
Structure
Auditor: Joachim DAVOLIAccounts 50 days early1 of 9 deeds read
Why 98lowers riskLegal form: non-profit associationLiquidity: current ratio 2.94, cash €353,165Founded in 1969Equity €987,381 (60.9% of total assets)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 83% of its sector peers (NACE 68, small)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 86-14
equity 60.9% of total assets
Liquidity 71+11
short-term debt 20.3% · cash 21.8%
Profitability 83+19
return on assets 4.9%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,971 companies, NACE 68, small)
Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025highest value 02-2026: < 0.1%● unchanged vs 01-2026 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026lowest value 06-2026: < 0.1%● unchanged vs 05-2026lowest value 07-2026: < 0.1%● unchanged vs 06-2026lowest value 08-2026: < 0.1%● unchanged vs 07-2026lowest value 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026
Credit of up to €2,000 on 30-day terms is acceptable
Liquidity ample (current ratio 2.94, compared with 5.07 in 2024; short-term debt: 20.3% and cash: 21.8% of total assets), and 39.1% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, small): better than 76% on solvency, 93% on liquidity, 93% on profitability and 71% on growth.

The bankruptcy probability was computed on 11-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskneutral
lowers risk · Legal form: non-profit association
KBO
lowers risk · Liquidity: current ratio 2.94, cash €353,165
NBB · annual accounts
lowers risk · Founded in 1969
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Equity €987,381 (60.9% of total assets)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 09-02-2026, 50 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
50 days early
2024
34 days early
2023
27 days early
2022
43 days early
2021
28 days early
2020
1 day late
2019
1 day 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 26 days before the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 25 February (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-08-2026 year end12-10-2026 today31-03-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignations: Raymond ROBERT, Catherine Francotte and…Appointments: Hanine ESSAHELI (statutory auditor)…
  2. Annual accounts filedfinancial year 2025 · full…
  3. Back to profitnet €79,789

Key points

  • Positive: Back in profit in 2025after -€36,909 in 2024 €79,789 View
  • Positive: 2nd oldest company in Ferrièresin the Checked rankings No. 2 View
  • A director leftlatest change 09-02-2026 · 0 in office 1 left View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View
  • Active since 1969founded 11-09-1969 57 years View

By topic

Financials

Financial year
2025
Turnover
€21,697
Profit
€79,789
Solvency
60.9%
Go to Financials

Timeline

Events
20
Since
2012
Next accounts
by 31-03-2027
  1. 25-02-2025Annual accounts filed
  2. 04-03-2024Annual accounts filed
  3. 31-08-2023Back to profit
Go to Timeline

Company details

Sites
1
Legal form
Non-profit association
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
11-09-1969
Year ends
31-08
Peppol
Reachable for e-invoices
Go to Company details

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