BERTRAND DUJARDIN - AVOCAT

Active

Private limited companyfounded 20233 yrs activeRue Albert Ier 48, 6560 Erquelinnes, BelgiumKBO/BCE: BE 0799.795.583

Summary

BERTRAND DUJARDIN - AVOCAT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €144k and a net result of €58k. Its solvency ranks better than 42% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Watch Print / PDF

Checked score

Score 2025

84 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability93▼-7

Solvency73▲+17

Growth52

Track record94

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €12k at 30 days acceptable

Liquidity ample (current ratio 1.61 against 0.98 in 2024; short-term debt: 43.6% and cash: 43.1% of total assets), but 52% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 69

Relative position

BE, all sectors

reference

Sector 69

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

48%

Return on assets

19.2%

Age of the figures

9 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

1 d early

2024

7 d late

← before the deadline after the deadline →

Checked, nothing found (2)

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 months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€144k▲ 66.7%

2024 · €87k

2024: €87k

2024 → 2025

Total assets

€301k▲ 8.5%

2024 · €277k

2024: €277k

2024 → 2025

Net result

€58k▼ 29.2%

2024 · €82k

2024: €82k

2024 → 2025

Working capital

€80k

2024 · €-3k

2024: €-3k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€87k-€144k▲ 66.7%

Operating result€126k-€87k▼ 31.2%

Net result€82k-€58k▼ 29.2%

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 2025; 2025 is 31% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €301k

29.6%

70.4%

Fixed assets €89k ▼ 30.9%

Current assets €212k ▲ 42.7%

Equity and liabilities €301k

48.0%

52.0%

Equity €144k ▲ 66.7%

Debt €156k ▼ 18.0%

Debt's share of the balance-sheet total falls from 68.8% to 52.0%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€128k▼

2024 · €196k

Cash flow

€99k▼

2024 · €152k

Current ratio

1.61▲

2024 · 0.98

Debt to equity

1.08▼

2024 · 2.21

ROE

40.0%▼

2024 · 94.2%

ROA

19.2%▼

2024 · 29.4%

Interest coverage

77.03▲

2024 · 62.22

Debt ≤ 1 year

€131k▼

2024 · €152k

Debt > 1 year

€25k▼

2024 · €39k

Income taxes

€27k▼

2024 · €41k

Staff costs

€54k▼

2024 · €96k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines

Balance sheet Code20242025

Assets

Total assets20/58€277k€301k▲

Fixed assets21/28€129k€89k▼

Intangible fixed assets21€125k€87k▼

Tangible fixed assets22/27€4k€3k▼

Furniture and vehicles24€4k€3k▼

Current assets29/58€148k€212k▲

Amounts receivable within one year40/41€559€624▲

Trade receivables40€559€624▲

Current investments50/53-€81k

Cash at bank and in hand54/58€148k€130k▼

Deferred charges and accrued income490/1-€251

Equity and liabilities

Total equity and liabilities10/49€277k€301k▲

Equity10/15€87k€144k▲

Contributions10/11€5k€5k=

Reserves13€81k€131k▲

Distributable reserves133€81k€131k▲

Profit (loss) carried forward14€503€8k▲

Amounts payable17/49€191k€156k▼

Amounts payable after more than one year17€39k€25k▼

Financial debts170/4€39k€25k▼

Amounts payable within one year42/48€152k€131k▼

Current portion of amounts payable after more than one year42€13k€14k▲

Trade debts44€2k€42k▲

Suppliers440/4€2k€42k▲

Advances received on contracts in progress46€2k€2k=

Taxes, remuneration and social security45€65k€29k▼

Taxes450/3€51k€18k▼

Remuneration and social security454/9€14k€12k▼

Other amounts payable47/48€69k€44k▼

Income statement Code20242025

Remuneration, social security and pensions62€96k€54k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€41k▼

Other operating charges640/8€2k€819▼

Gross operating margin9900€295k€182k▼

Operating profit (loss)9901€126k€87k▼

Financial income75/76B€1€1▼

Recurring financial income75€1€1▼

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€123k€85k▼

Income taxes67/77€41k€27k▼

Profit (loss) for the period9904€82k€58k▼

Profit (loss) for the period to be appropriated9905€82k€58k▼

Appropriation of the result

Profit (loss) to be appropriated9906€82k€58k▼

Profit (loss) brought forward from the previous period14P-€503

Transfer to equity691/2€81k€50k▼

To other reserves6921€81k€50k▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Equity above €100kEq €144k ▲66.7%

2 profitable years in a row build equity to €144k.

07-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 7 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, Erquelinnes · 1 establishment unit since 2023

establishment The establishment unit on the map

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.

Rue Albert Ier 486560 Erquelinnes

Ground area

594 m²

Building footprint

86 m²

Volume, LiDAR

783 m³

Parcel 56022B0444/00Z103, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

BERTRAND DUJARDIN - AVOCAT

Rue Albert Ier 48, 6560 ErquelinnesActivities of lawyers

since 20232.342.972.147

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
56022B0444/00Z103	Wallonia	593 m²	1 · 86 m²	10.4 m · 3 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.

Similar companies · same sector, comparable size

DE FAUW NILS advocaten

BE 0553.634.032

Lebbeke · Eq €144,260

Advocaat Delodder

BE 0750.922.629

Oostkamp · Eq €144,178

Stefanie Van de Perre

BE 0728.923.425

Geraardsbergen · Eq €144,461

CRABEELS DANIEL & PARTNERS

BE 0541.507.547

Oostende · Eq €144,011

GKJ Advocaten

BE 0677.859.358

Dendermonde · Eq €144,008

Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 7,530 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded22-03-2023

Fiscal year end31-12

Activities, NACEBEL 2025

69101Activities of lawyers

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.