BERNER BELGIEN
ActiveBERNER BELGIEN has been active since 1969 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.12M and a net result of €942k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 22% of 4844 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+9
Solvency45=
Growth49▼-1
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.24 in 2024; short-term debt: 79.1% and cash: 1.2% of total assets), and 79.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.1%
Return on assets
8.9%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 4844 sector peers (2025).
NBB · sector comparisonPosition among 4844 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 01-07-2025, 122 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
122 d early
2024
100 d early
2023
95 d early
2022
103 d early
2021
97 d early
2020
121 d early
2019
115 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
€39.43M▼ 0.7%
2024 · €39.71M
2019: €33.08M
2020: €33.59M
2021: €33.28M
2022: €36.04M
2023: €39.14M
2024: €39.71M
2019 → 2025
EBIT margin
3.9%▲ 2.3pp
2024 · 1.5%
2019: 9.5%
2020: 6.3%
2021: 8.6%
2022: 4.7%
2023: 2.4%
2024: 1.5%
2019 → 2025
Net result
€942k▲ 269%
2024 · €255k
2019: €2.08M
2020: €1.37M
2021: €2.01M
2022: €1.09M
2023: €2.11M
2024: €255k
2019 → 2025
Working capital
€2.03M▲ 1.6%
2024 · €2.00M
2019: €1.65M
2020: €1.68M
2021: €1.77M
2022: €2.60M
2023: €1.67M
2024: €2.00M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€33.28M-€36.04M▲ 8.3%€39.14M▲ 8.6%€39.71M▲ 1.5%€39.43M▼ 0.7%
Equity€1.97M-€3.06M▲ 55.6%€2.07M▼ 32.3%€2.08M▲ 0.2%€2.12M▲ 2.0%
Operating result€2.85M-€1.69M▼ 40.9%€946k▼ 43.9%€608k▼ 35.7%€1.53M▲ 151%
Net result€2.01M-€1.09M▼ 45.7%€2.11M▲ 93.3%€255k▼ 87.9%€942k▲ 269%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 151% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.55M
Fixed assets
€180k▼ 23.8%
Current assets
€10.38M▲ 2.0%
Equity and liabilities €10.55M
Equity
€2.12M▲ 2.0%
Provisions
€10k▲ 0.2%
Debt
€8.42M▲ 1.2%
The debt ratio falls from 79.9% to 79.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€1.73M▲
2024 · €757k
Cash flow
€1.15M▲
2024 · €403k
Solvency
20.1%▲
2024 · 20.0%
Current ratio
1.24▼
2024 · 1.24
Quick ratio
1.23▼
2024 · 1.23
Debt / equity
3.97▼
2024 · 4.00
ROE
44.4%▲
2024 · 12.3%
ROA
8.9%▲
2024 · 2.4%
Interest coverage
15.58▲
2024 · 6.54
Debt
€8.42M▲
2024 · €8.32M
Debt ≤ 1 year
€8.34M▲
2024 · €8.18M
Income taxes
€508k▲
2024 · €263k
Staff costs
€12.44M▼
2024 · €12.67M
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€10.41M€10.55M▲
Fixed assets21/28€236k€180k▼
Tangible fixed assets22/27€203k€147k▼
Land and buildings22€47k€33k▼
Furniture and vehicles24€148k€76k▼
Other tangible fixed assets26€9k€39k▲
Financial fixed assets28€32k€32k▲
Other financial fixed assets284/8€32k€32k▲
Amounts receivable and cash guarantees285/8€32k€32k▲
Current assets29/58€10.18M€10.38M▲
Stocks and contracts in progress3€109k€130k▲
Stocks30/36€109k€130k▲
Goods purchased for resale34€109k€130k▲
Amounts receivable within one year40/41€8.83M€9.56M▲
Trade receivables40€6.29M€5.66M▼
Other amounts receivable41€2.53M€3.91M▲
Cash at bank and in hand54/58€395k€126k▼
Deferred charges and accrued income490/1€847k€556k▼
Equity and liabilities
Total equity and liabilities10/49€10.41M€10.55M▲
Equity10/15€2.08M€2.12M▲
Contributions10/11€1.51M€1.51M=
Capital10€1.51M€1.51M=
Issued capital100€1.51M€1.51M=
Reserves13€573k€614k▲
Non-distributable reserves130/1€151k€151k=
Legal reserve130€151k€151k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€419k€461k▲
Provisions and deferred taxes16€10k€10k▲
Provisions for liabilities and charges160/5€10k€10k▲
Other liabilities and charges164/5€10k€10k▲
Amounts payable17/49€8.32M€8.42M▲
Amounts payable within one year42/48€8.18M€8.34M▲
Trade debts44€4.13M€3.59M▼
Suppliers440/4€4.13M€3.59M▼
Taxes, remuneration and social security45€3.80M€3.85M▲
Taxes450/3€1.24M€1.32M▲
Remuneration and social security454/9€2.56M€2.53M▼
Other amounts payable47/48€250k€900k▲
Accrued charges and deferred income492/3€145k€80k▼
Income statement
Code20242025
Operating income70/76A€41.46M€40.98M▼
Turnover70€39.71M€39.43M▼
Other operating income74€1.75M€1.55M▼
Operating charges60/66A€40.85M€39.45M▼
Goods for resale, raw materials and consumables60€14.74M€14.59M▼
Purchases600/8€14.63M€14.60M▼
Change in stocks: decrease (increase)609€103k€-10k▼
Services and other goods61€12.16M€11.84M▼
Remuneration, social security and pensions62€12.67M€12.44M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€149k€204k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€-62k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€175€17▼
Other operating charges640/8€771k€127k▼
Non-recurring operating charges66A€365k€323k▼
Operating profit (loss)9901€608k€1.53M▲
Financial income75/76B€26k€36k▲
Recurring financial income75€26k€36k▲
Income from current assets751€26k€36k▲
Other financial income752/9€28€25▼
Financial charges65/66B€117k€112k▼
Recurring financial charges65€117k€112k▼
Debt charges650€116k€111k▼
Other financial charges652/9€744€1k▲
Profit (loss) for the period before taxes9903€518k€1.45M▲
Income taxes67/77€263k€508k▲
Taxes670/3€270k€508k▲
Tax adjustments and reversals of tax provisions77€7k€309▼
Profit (loss) for the period9904€255k€942k▲
Profit (loss) for the period to be appropriated9905€255k€942k▲
Appropriation of the result
Profit (loss) to be appropriated9906€255k€942k▲
Transfer to equity691/2€5k€42k▲
To other reserves6921€5k€42k▲
Profit to be distributed694/7€250k€900k▲
Return on contributions (dividend)694€250k€900k▲
Social balance
Average headcount (FTE)9087108.8104.3▼
The notes to these accounts (55 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
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
31-03
Financial
Weakest financial yearnet €255k ▼87.9%
Net result drops to €255k, the lowest in the series; recovery starts the following year.
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
31-03
Financial
Highest result since 2019net €2.11M ▲93.3%
Net result €2.11M, the highest in the series.
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
31-03
Financial
Equity above €2MEq €3.06M ▲55.6%
4 profitable years in a row build equity to €3.06M.
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
20 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, Lanaken · 1 establishment unit since 1984
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.
Bernerstraat 13620 LanakenGround area
5,914 m²
Building footprint
1,224 m²
Volume, LiDAR
5,181 m³
Parcel 73042B0138/00H000, Flanders · tallest building 5.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bernerstraat 1, 3620 Lanaken
since 19842.034.912.124
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042B0138/00H000 | Flanders | 5,914 m² | 1 · 1,224 m² | 5.5 m · 1 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.
Structure & network
Group per the LEI register
1 parent companyParent company:B.yond SE
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 40,701 EUR awarded · 40,701 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 3,778 EUR | 3,821 EUR |
| 2024 | 1 | 0 EUR | 9,957 EUR |
| 2023 | 1 | 10,000 EUR | 0 EUR |
| 2022 | 1 | 26,923 EUR | 26,923 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Werkbaarheidscheque (stopgezet)
Recognitions · licences · registrations
Legal Entity Identifier
894500XFWQWOKK102784
Similar companies · same sector, comparable size
EANOX
BE 1009.390.314
Kruisem · Eq €2.13M
THERMOBRASS
BE 0476.398.276
Aarschot · Eq €2.13M
PARDAEN
BE 0400.695.221
Kampenhout · Eq €2.11M
Ets. TASSINON
BE 0894.091.362
Lessines · Eq €2.09M
ECHELLES PIRET
BE 0413.686.885
Braine-l'Alleud · Eq €2.16M
Of 504 companies in sector 46841 we hold annual accounts for 365. 273 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-04-1969
Fiscal year end31-03
Activities, NACEBEL
46841Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.