BERNARDISTAT
BankruptcyThe KBO register records for BERNARDISTAT the legal situation: open bankruptcy (code 050); this is today's state according to the register itself, which carries no start date. The 2023 annual accounts show negative equity (€-19k) and a net result of €12k.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 24646 sector peers (2023).
NBB · sector comparisonPosition among 24646 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 29-07-2024, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
2 d early
2022
36 d early
2021
23 d late
2020
31 d late
2019
40 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Turnover
€165k
EBIT margin
9.2%
Net result
€12k▲ 3.2%
2022 · €11k
2018: €-27k
2019: €16k
2020: €-46k
2021: €5k
2022: €11k
2018 → 2023
Working capital
€-28k▼ 9.3%
2022 · €-26k
2018: €-37k
2019: €-7k
2020: €-11k
2021: €-15k
2022: €-26k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Turnover€165k
Equity€-2k-€-48k▼ 2,279%€-43k▲ 10.8%€-31k▲ 26.8%€-19k▲ 37.9%
Operating result€18k-€-41k€9k€15k▲ 60.5%€12k▼ 19.6%
Net result€16k-€-46k€5k€11k▲ 122%€12k▲ 3.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2023; 2023 is 20% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €24k
Fixed assets
€9k▲ 6,677%
Current assets
€15k▲ 12.0%
Key figures and ratios
EBITDA
€13k▼
2022 · €18k
Cash flow
€12k▼
2022 · €14k
Solvency
-81.0%▲
2022 · -229.2%
Current ratio
0.35▲
2022 · 0.34
Quick ratio
0.19▼
2022 · 0.23
Debt / equity
-2.23▼
2022 · -1.44
ROE
-61.0%▼
2022 · -36.7%
ROA
49.4%▼
2022 · 84.1%
Interest coverage
21.93▲
2022 · 4.71
Debt
€43k▼
2022 · €45k
Debt ≤ 1 year
€43k▲
2022 · €39k
Staff costs
€16k▲
2022 · €5k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€14k€24k▲
Fixed assets21/28€130€9k▲
Tangible fixed assets22/27-€9k
Land and buildings22-€9k
Financial fixed assets28€130€130=
Current assets29/58€13k€15k▲
Stocks and contracts in progress3€4k€7k▲
Stocks30/36€4k€7k▲
Cash at bank and in hand54/58€9k€8k▼
Equity and liabilities
Total equity and liabilities10/49€14k€24k▲
Equity10/15€-31k€-19k▲
Contributions10/11€50k€50k=
Capital10€50k-
Issued capital100€50k-
Profit (loss) carried forward14€-81k€-69k▲
Amounts payable17/49€45k€43k▼
Amounts payable after more than one year17€6k-
Financial debts170/4€6k-
Amounts payable within one year42/48€39k€43k▲
Current portion of amounts payable after more than one year42€26k€28k▲
Trade debts44€11k€8k▼
Suppliers440/4€11k€8k▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€567-
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€832€5k▲
Income statement
Code20222023
Turnover70€165k-
Goods, raw materials, services and sundry goods60/61€141k-
Remuneration, social security and pensions62€5k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€620▼
Other operating charges640/8€348€794▲
Gross operating margin9900€24k€30k▲
Operating profit (loss)9901€15k€12k▼
Financial income75/76B€62€155▲
Recurring financial income75€62€155▲
Financial charges65/66B€4k€586▼
Recurring financial charges65€4k€586▼
Profit (loss) for the period before taxes9903€11k€12k▲
Profit (loss) for the period9904€11k€12k▲
Profit (loss) for the period to be appropriated9905€11k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-81k€-69k▲
Profit (loss) brought forward from the previous period14P€-93k€-81k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-46k ▼391%
Net result drops to €-46k, the lowest in the series.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 40 days late
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ciney · 1 establishment unit since 2016
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.
Clos du Cheval Blanc 15590 CineyGround area
5,123 m²
Building footprint
2,365 m²
Volume, LiDAR
17,853 m³
2 parcels, Wallonia · tallest building 22.3 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
SUCX NAMUR
since 20162.249.652.308
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92094C1479/00K000 | Wallonia | 2,902 m² | 1 · 999 m² | 22.3 m · 6 fl. |
| 91030D0024/00G002 | Wallonia | 2,220 m² | 1 · 1,365 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteNamur2.249.652.308
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Of 897 companies in sector 47242 we hold annual accounts for 338. 203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-01-2016
Fiscal year end31-12
Activities, NACEBEL
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bernard.istat@gmail.com
Phone:0472/71.88.83