BERNAT Management
ActiveBERNAT Management has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €-16k. Equity is growing by ~41.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-58
Solvency89▼-11
Growth42=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.69 against 2.44 in 2024), and 46.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.3%
Return on assets
-10.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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 · 5 filingsDeviation from the deadline
2025
9 d late
2024
25 d late
2023
19 d late
2022
30 d late
2021
17 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€467k▲ 1.9%
2023 · €458k
2021: €516k
2022: €391k
2023: €458k
2021 → 2024
EBIT margin
7.7%▼ 3.7pp
2023 · 11.4%
2021: 4.8%
2022: 8.8%
2023: 11.4%
2021 → 2024
Net result
€-16k
2024 · €16k
2021: €18k
2022: €23k
2023: €36k
2024: €16k
2021 → 2025
Working capital
€43k▼ 38.6%
2024 · €70k
2021: €12k
2022: €7k
2023: €44k
2024: €70k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€516k-€391k▼ 24.2%€458k▲ 17.2%€467k▲ 1.9%
Equity€23k-€45k▲ 99.8%€82k▲ 79.7%€97k▲ 19.3%€81k▼ 16.4%
Operating result€25k-€34k▲ 37.8%€52k▲ 51.9%€36k▼ 31.2%€-8k
Net result€18k-€23k▲ 27.9%€36k▲ 59.5%€16k▼ 56.4%€-16k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €36k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153k
Fixed assets
€47k▲ 60.7%
Current assets
€106k▼ 10.8%
Equity and liabilities €153k
Equity
€81k▼ 16.4%
Debt
€71k▲ 41.0%
The debt ratio rises from 34.2% to 46.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€4k▼
2024 · €46k
Cash flow
€-3k▼
2024 · €26k
Solvency
53.3%▼
2024 · 65.8%
Current ratio
1.69▼
2024 · 2.44
Quick ratio
1.69▼
2024 · 2.44
Debt / equity
0.88▲
2024 · 0.52
ROE
-19.6%▼
2024 · 16.2%
ROA
-10.5%▼
2024 · 10.7%
Interest coverage
1.36▼
2024 · 8.81
Debt
€71k▲
2024 · €51k
Debt ≤ 1 year
€63k▲
2024 · €49k
Debt > 1 year
€8k
Income taxes
€4k▼
2024 · €15k
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€148k€153k▲
Fixed assets21/28€29k€47k▲
Tangible fixed assets22/27€27k€45k▲
Land and buildings22€18k-
Plant, machinery and equipment23€3k-
Furniture and vehicles24€6k€6k▼
Other tangible fixed assets26-€39k
Financial fixed assets28€2k€2k▼
Current assets29/58€119k€106k▼
Amounts receivable within one year40/41€72k€70k▼
Trade receivables40€72k€67k▼
Other amounts receivable41€311€3k▲
Cash at bank and in hand54/58€24k€36k▲
Deferred charges and accrued income490/1€23k€0▼
Equity and liabilities
Total equity and liabilities10/49€148k€153k▲
Equity10/15€97k€81k▼
Contributions10/11€5k€5k=
Reserves13€16k€16k=
Non-distributable reserves130/1€16k€0▼
Reserves not available under the articles1311€16k€0▼
Distributable reserves133-€16k
Profit (loss) carried forward14€77k€61k▼
Amounts payable17/49€51k€71k▲
Amounts payable after more than one year17-€8k
Financial debts170/4-€8k
Amounts payable within one year42/48€49k€63k▲
Current portion of amounts payable after more than one year42-€7k
Trade debts44€8k€31k▲
Suppliers440/4€8k€31k▲
Taxes, remuneration and social security45€41k€24k▼
Taxes450/3€41k€24k▼
Other amounts payable47/48-€364
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Turnover70€467k-
Goods, raw materials, services and sundry goods60/61€479k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€13k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€54k€12k▼
Operating profit (loss)9901€36k€-8k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€5k€3k▼
Recurring financial charges65€5k€3k▼
Profit (loss) for the period before taxes9903€31k€-12k▼
Income taxes67/77€15k€4k▼
Profit (loss) for the period9904€16k€-16k▼
Profit (loss) for the period to be appropriated9905€16k€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€61k▼
Profit (loss) brought forward from the previous period14P€77k€77k=
Transfer to equity691/2€16k€0▼
To other reserves6921€16k€0▼
The notes to these accounts (11 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Weakest financial yearnet €-16k ▼201%
Net result drops to €-16k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 19 days late
2023
31-12
Financial
Highest result since 2021net €36k ▲59.5%
Operating result €52k, net result €36k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 2020
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.
Gillemont(HSH) 256120 Ham-sur-Heure-NalinnesGround area
2,236 m²
Building footprint
207 m²
Volume, LiDAR
1,158 m³
Parcel 56034C0474/00G000, Wallonia · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gillemont(HSH) 25, 6120 Ham-sur-Heure-Nalinnes
since 20202.305.869.548
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56034C0474/00G000 | Wallonia | 2,236 m² | 1 · 207 m² | 8.3 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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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 40,025 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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
1 entryE-mail:bernard.dehut@yahoo.fr