BERNIMMO
ActiveFinancials · financial year 2025, micro format
Annual accounts 2025 filed on 29-01-2026 PDF all 37 filings
Equity
-€43,850▼ 16.1%
2024 · -€37,767
Total assets
€135,285▼ 4.5%
2024 · €141,693
Net result
-€6,083▲ 46.8%
2024 · -€11,429
Working capital
-€50,811▼ 9.9%
2024 · -€46,254
In the rankings
#7 oldest company in Wemmel, Real estate sector
Multi-year overview
2019 to 2025, 7 financial yearsOperating result
-€5,484
▲ 27.2%
2025
20192025
Net result
-€6,083
▲ 46.8%
2025
middle half of the sector
20192025
Equity
-€43,850
▼ 16.1%
2025
lowest quarter of the sector
20192025
Total assets
€135,285
▼ 4.5%
2025
middle half of the sector
20192025
Debt
€179,135
▼ 0.2%
2025
20192025
Working capital
-€50,811
▼ 9.9%
2025
middle half of the sector
20192025
Solvency
-32.4%
▼ 5.8pp
2025
lowest quarter of the sector
20192025
Current ratio
0.72
▼ 0.03
2025
middle half of the sector
20192025
Return on assets (ROA)
-4.5%
▲ 3.6pp
2025
lowest quarter of the sector
20192025
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2019202020212022202320242025
Operating result-€1,268-€379-€5,215€26,564-€120,239-€7,534▲ 93.7%-€5,484▲ 27.2%
Net result-€1,038-€171within the sector's middle half-€12,750below the sector's middle half€6,593within the sector's middle half-€125,305below the sector's middle half-€11,429below the sector's middle half▲ 90.9%-€6,083within the sector's middle half▲ 46.8%
Equity€104,953-€105,124within the sector's middle half▲ 0.2%€92,373within the sector's middle half▼ 12.1%€98,967within the sector's middle half▲ 7.1%-€26,338below the sector's middle half-€37,767below the sector's middle half▼ 43.4%-€43,850below the sector's middle half▼ 16.1%
Total assets€118,164-€355,866within the sector's middle half▲ 201%€620,613within the sector's middle half▲ 74.4%€780,402within the sector's middle half▲ 25.7%€287,253within the sector's middle half▼ 63.2%€141,693below the sector's middle half▼ 50.7%€135,285within the sector's middle half▼ 4.5%
Debt€13,211-€250,742▲ 19×€528,240▲ 111%€681,435▲ 29.0%€313,591▼ 54.0%€179,460▼ 42.8%€179,135▼ 0.2%
Working capital€93,031-€94,492within the sector's middle half▲ 1.6%€83,600within the sector's middle half▼ 11.5%€92,869within the sector's middle half▲ 11.1%-€31,474within the sector's middle half-€46,254within the sector's middle half▼ 47.0%-€50,811within the sector's middle half▼ 9.9%
Solvency88.8%-29.5%within the sector's middle half▼ 59.3pp14.9%within the sector's middle half▼ 14.7pp12.7%within the sector's middle half▼ 2.2pp-9.2%below the sector's middle half▼ 21.9pp-26.7%below the sector's middle half▼ 17.5pp-32.4%below the sector's middle half▼ 5.8pp
Current ratio8.51-1.38within the sector's middle half▼ 7.131.16within the sector's middle half▼ 0.221.14within the sector's middle half▼ 0.020.90within the sector's middle half▼ 0.240.74within the sector's middle half▼ 0.160.72within the sector's middle half▼ 0.03
Return on assets (ROA)-0.9%-0.0%within the sector's middle half▲ 0.9pp-2.1%below the sector's middle half▼ 2.1pp0.8%within the sector's middle half▲ 2.9pp-43.6%below the sector's middle half▼ 44.5pp-8.1%below the sector's middle half▲ 35.6pp-4.5%below the sector's middle half▲ 3.6pp
above
within
below
The sector band is the middle half of the companies in Real estate activities (NACE 68). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2025 is a loss of €5,484, smaller than the loss of €7,534 in 2024.
Turnover and EBIT margin are not published. The micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €135,285
Fixed assets
€6,961 ▼ 18.0%
Current assets
€128,324 ▼ 3.7%
Equity and liabilities
Equity-€43,850
Debt€179,135
Equity is negative. Debt (€179,135) exceeds the balance-sheet total (€135,285).
Key figures and ratios
EBITDA
-€3,958▲
2024 · -€6,886
Cash flow
-€4,557▲
2024 · -€10,780
Quick ratio
0.53▼
2024 · 0.56
Interest coverage
-6.61▼
2024 · -1.77
Debt ≤ 1 year
€179,135▼
2024 · €179,460
Debt to equity is not shown because equity is negative. Debt divided by negative equity means nothing.
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 30-06-2022 | 30-06-2023 | 30-06-2024 | 30-06-2025 |
|---|---|---|---|---|
| Tangible fixed assets | - | €578 | €4,000 | - |
| Depreciation and write-downs of the year | €2,172 | €1,540 | €648 | €1,526 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | €27,537 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,794 | €1,794 | €2,683 | €2,172 | €1,540 | €648 | €1,526 | ▲ 135% |
| Other operating charges640/8 | - | - | - | €511 | €4,865 | €585 | €387 | ▼ 33.8% |
| Gross operating margin9900 | €1,874 | €3,234 | -€2,184 | €29,248 | -€113,834 | -€6,301 | -€3,571 | ▲ 43.3% |
| Operating profit (loss)9901 | -€1,268 | €379 | -€5,215 | €26,564 | -€120,239 | -€7,534 | -€5,484 | ▲ 27.2% |
| Financial income75/76B | - | - | - | €0 | €0 | - | - | - |
| Recurring financial income75 | - | - | €3 | €0 | €0 | - | - | - |
| Financial charges65/66B | - | - | - | €19,971 | €5,066 | €3,895 | €599 | ▼ 84.6% |
| Recurring financial charges65 | €183 | €208 | €7,538 | €19,971 | €5,066 | €3,895 | €599 | ▼ 84.6% |
| Profit (loss) for the period before taxes9903 | -€1,038 | €171 | -€12,750 | €6,593 | -€125,305 | -€11,429 | -€6,083 | ▲ 46.8% |
| Profit (loss) for the period9904 | -€1,038 | €171 | -€12,750 | €6,593 | -€125,305 | -€11,429 | -€6,083 | ▲ 46.8% |
| Profit (loss) for the period to be appropriated9905 | -€1,038 | €171 | -€12,750 | €6,593 | -€125,305 | -€11,429 | -€6,083 | ▲ 46.8% |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €118,164 | €355,866 | €620,613 | €780,402 | €287,253 | €141,693 | €135,285 | ▼ 4.5% |
| Fixed assets21/28 | €12,747 | €11,456 | €8,773 | €6,098 | €5,135 | €8,487 | €6,961 | ▼ 18.0% |
| Tangible fixed assets22/27 | €12,747 | €10,953 | €8,270 | €6,098 | €5,135 | €8,487 | €6,961 | ▼ 18.0% |
| Land and buildings22 | - | - | - | €6,098 | €4,643 | €4,643 | €4,643 | = |
| Plant, machinery and equipment23 | - | - | - | - | €492 | €318 | €126 | ▼ 60.5% |
| Furniture and vehicles24 | - | - | - | - | - | €3,525 | €2,192 | ▼ 37.8% |
| Financial fixed assets28 | - | €503 | €503 | - | - | - | - | - |
| Current assets29/58 | €105,417 | €344,409 | €611,840 | €774,304 | €282,118 | €133,206 | €128,324 | ▼ 3.7% |
| Stocks and contracts in progress3 | €52,172 | €277,212 | €458,819 | €75,229 | €32,620 | €32,620 | €32,620 | = |
| Stocks30/36 | - | - | - | €75,229 | €32,620 | €32,620 | €32,620 | = |
| Amounts receivable within one year40/41 | €44,674 | €60,935 | €72,419 | €79,531 | €3,187 | €4,025 | €3,392 | ▼ 15.7% |
| Trade receivables40 | - | - | - | €575 | €2,982 | €3,787 | €3,208 | ▼ 15.3% |
| Other amounts receivable41 | - | - | - | €78,955 | €205 | €238 | €184 | ▼ 22.8% |
| Cash at bank and in hand54/58 | €8,571 | €6,263 | €80,602 | €619,545 | €246,311 | €96,562 | €92,312 | ▼ 4.4% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €118,164 | €355,866 | €620,613 | €780,402 | €287,253 | €141,693 | €135,285 | ▼ 4.5% |
| Equity10/15 | €104,953 | €105,124 | €92,373 | €98,967 | -€26,338 | -€37,767 | -€43,850 | ▼ 16.1% |
| Contributions10/11 | €30,987 | €0 | - | €30,987 | €30,987 | €30,987 | €30,987 | = |
| Reserves13 | €73,966 | €74,137 | €74,137 | €74,137 | €74,137 | €74,137 | €74,137 | = |
| Non-distributable reserves130/1 | - | - | - | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Reserves not available under the articles1311 | - | - | - | €3,099 | €3,099 | €3,099 | €3,099 | = |
| Tax-exempt reserves132 | - | - | - | €2,124 | €2,124 | €2,124 | €2,124 | = |
| Distributable reserves133 | - | - | - | €68,915 | €68,915 | €68,915 | €68,915 | = |
| Profit (loss) carried forward14 | - | - | -€12,750 | -€6,157 | -€131,462 | -€142,891 | -€148,974 | ▼ 4.3% |
| Amounts payable17/49 | €13,211 | €250,742 | €528,240 | €681,435 | €313,591 | €179,460 | €179,135 | ▼ 0.2% |
| Amounts payable within one year42/48 | €12,386 | €249,917 | €528,240 | €681,435 | €313,591 | €179,460 | €179,135 | ▼ 0.2% |
| Trade debts44 | €4,490 | €152,847 | €21,471 | €278,748 | €106,382 | €8,446 | €8,076 | ▼ 4.4% |
| Suppliers440/4 | - | - | - | €278,748 | €106,382 | €8,446 | €8,076 | ▼ 4.4% |
| Taxes, remuneration and social security45 | - | - | - | €32,498 | - | - | €6 | - |
| Taxes450/3 | - | - | - | €32,498 | - | - | €6 | - |
| Other amounts payable47/48 | - | - | - | €370,189 | €207,209 | €171,015 | €171,053 | = |
| Line | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,038 | €171 | -€12,750 | €6,593 | -€125,305 | -€11,429 | -€6,083 | ▲ 46.8% |
| + Depreciation and write-downs630 | €1,794 | €1,794 | €2,683 | €2,172 | €1,540 | €648 | €1,526 | ▲ 135% |
| Operating cash flow (approximation) | €755 | €1,964 | -€10,067 | €8,766 | -€123,765 | -€10,780 | -€4,557 | ▲ 57.7% |
| Investment in fixed assets (approximation) | - | -€503 | €0 | €503 | -€578 | -€4,000 | €0 | - |
| Change in cash | - | -€2,309 | €74,339 | €538,943 | -€373,234 | -€149,749 | -€4,250 | ▲ 97.2% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 2,796 companies had the same profile as BERNIMMO has now. Two years later, 90.4% were still going and 2.1% had gone bankrupt.
- Micro
- 20 years or older
- negative equity
- a small loss
90.4%
was still going
6.0%
stopped otherwise
2.1%
went bankrupt
Another 1.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of BERNIMMO itself is lower: 0.2% within 12 months. It rests on far more data about BERNIMMO than the profile alone.
Test of the method
The method was tested on the 497,446 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,796 companies, not a prediction for BERNIMMO. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Latest 10 of 37 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 29-01-2026 | 2026-00018311 | |
| 30-06-2024 | micro format | 29-01-2025 | 2025-00022602 | |
| 30-06-2023 | micro format | 02-01-2024 | 2024-00541185 | |
| 30-06-2022 | micro format | 25-01-2023 | 2023-00003708 | |
| 30-06-2021 | micro format | 26-01-2022 | 2022-01900565 | |
| 30-06-2020 | micro format | 13-01-2021 | 2021-00800310 | |
| 30-06-2019 | micro format | 04-12-2019 | 2019-75300048 | |
| 30-06-2018 | micro format | 30-11-2018 | 2018-73200587 | |
| 30-06-2017 | micro format | 17-09-2018 | 2018-63200480 | |
| 30-06-2016 | abbreviated format | 14-12-2016 | 2016-70100414 |