BERNIER CONSULTING
ActiveBERNIER CONSULTING has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95k and a net result of €25k. Equity is growing by ~33% per year across the filed fiscal years. Its solvency ranks better than 87% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▼-2
Solvency100▲+20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 9.22 against 2.23 in 2024; short-term debt: 10.8% and cash: 75% of total assets), and 10.8% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
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
89.2%
Return on assets
23.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-06-2026, 54 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
54 d early
2024
7 d early
2023
128 d early
2022
42 d early
2021
51 d early
2020
16 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€95k▲ 36.0%
2024 · €70k
2020: €22k
2021: €71k
2022: €109k
2023: €30k
2024: €70k
2020 → 2025
Total assets
€107k▼ 15.5%
2024 · €127k
2020: €38k
2021: €103k
2022: €125k
2023: €153k
2024: €127k
2020 → 2025
Net result
€25k▼ 36.6%
2024 · €40k
2020: €22k
2021: €49k
2022: €39k
2023: €31k
2024: €40k
2020 → 2025
Working capital
€95k▲ 37.5%
2024 · €69k
2020: €23k
2021: €68k
2022: €108k
2023: €28k
2024: €69k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€109k▲ 54.8%€30k▼ 72.2%€70k▲ 131%€95k▲ 36.0%
Operating result€62k-€50k▼ 19.3%€40k▼ 19.9%€52k▲ 31.0%€38k▼ 27.4%
Net result€49k-€39k▼ 19.4%€31k▼ 21.2%€40k▲ 27.9%€25k▼ 36.6%
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 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €107k
Fixed assets
€393▼ 62.4%
Current assets
€107k▼ 15.1%
Equity and liabilities €107k
Equity
€95k▲ 36.0%
Debt
€12k▼ 79.5%
The debt ratio falls from 44.6% to 10.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€39k▼
2024 · €53k
Cash flow
€26k▼
2024 · €41k
Solvency
89.2%▲
2024 · 55.4%
Current ratio
9.22▲
2024 · 2.23
Quick ratio
9.22▲
2024 · 2.23
Debt / equity
0.12▼
2024 · 0.80
ROE
26.4%▼
2024 · 56.7%
ROA
23.6%▼
2024 · 31.4%
Interest coverage
17.61▼
2024 · 36.18
Debt
€12k▼
2024 · €56k
Debt ≤ 1 year
€12k▼
2024 · €56k
Income taxes
€11k▼
2024 · €11k
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€127k€107k▼
Fixed assets21/28€1k€393▼
Tangible fixed assets22/27€1k€393▼
Furniture and vehicles24€1k€393▼
Current assets29/58€125k€107k▼
Amounts receivable within one year40/41€18k€19k▲
Trade receivables40€18k€14k▼
Other amounts receivable41€225€5k▲
Cash at bank and in hand54/58€97k€80k▼
Deferred charges and accrued income490/1€10k€8k▼
Equity and liabilities
Total equity and liabilities10/49€127k€107k▼
Equity10/15€70k€95k▲
Contributions10/11€1k€1k=
Reserves13€69k€94k▲
Distributable reserves133€69k€94k▲
Amounts payable17/49€56k€12k▼
Amounts payable within one year42/48€56k€12k▼
Trade debts44€637€1k▲
Suppliers440/4€637€1k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Other amounts payable47/48€45k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€923€654▼
Other operating charges640/8€438€400▼
Non-recurring operating charges66A-€38k
Gross operating margin9900€54k€77k▲
Operating profit (loss)9901€52k€38k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€51k€36k▼
Income taxes67/77€11k€11k▼
Profit (loss) for the period9904€40k€25k▼
Profit (loss) for the period to be appropriated9905€40k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€69k€25k▼
Profit (loss) brought forward from the previous period14P€29k€0▼
Transfer to equity691/2€69k€25k▼
To other reserves6921€69k€25k▼
The notes to these accounts (7 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
07-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 9.22
Current ratio from 2.23 to 9.22; short-term debt falls from €56k to €12k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 7.97
Current ratio from 3.11 to 7.97; short-term debt falls from €32k to €15k.
31-12
Financial
Equity above €100kEq €109k ▲54.8%
3 profitable years in a row build equity to €109k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €49k ▲125%
Operating result €62k, net result €49k, both a record.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
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, Ukkel · 2 establishment units 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.
Brugmannlaan 427A1180 UkkelGround area
3,912 m²
Building footprint
808 m²
Volume, LiDAR
9,375 m³
3 parcels, Brussels · tallest building 27.5 m, ±8 floors. Linked by address, not a title deed.
2 establishment units
Bernier Consulting
since 20202.304.124.736
Bernier Consulting
since 20212.320.035.112
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0006/00E019 | Brussels | 2,006 m² | 1 · 533 m² | 12.9 m · 2 fl. |
| 21016B0422/00V014 | Brussels | 1,849 m² | 1 · 217 m² | 27.5 m · 8 fl. |
| 21442A0079/00B011 | Brussels | 57 m² | 1 · 57 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
254900JHNG29NDBRV132
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,578 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2020
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
1 entryE-mail:nicolas.a.bernier@gmail.com