Computerservice Bernaerts
ActiveSummary
Computerservice Bernaerts has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €65k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 39% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+18
Solvency72▲+26
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 0.68 in 2024; short-term debt: 52.5% and cash: 29.2% of total assets), and 52.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
47.5%
Return on assets
28%
Age of the figures
9 mo
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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €109k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
16 d early
2022
32 d early
2021
33 d early
2020
33 d early
2019
2 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 143%
2024 · €45k
2018: €44k
2019: €105k▲ +137% vs 2018
2020: €191k▲ +82.0% vs 2019highest in 8 years
2021: €104k▼ -45.5% vs 2020
2022: €23k▼ -77.9% vs 2021
2023: €22k▼ -2.6% vs 2022lowest in 8 years
2024: €45k▲ +101% vs 2023
2025: €109k▲ +143% vs 2024
2018 → 2025
Total assets
€231k▲ 8.5%
2024 · €213k
2018: €301khighest in 8 years
2019: €181k▼ -40.0% vs 2018
2020: €196k▲ +8.7% vs 2019
2021: €257k▲ +31.0% vs 2020
2022: €166k▼ -35.4% vs 2021lowest in 8 years
2023: €198k▲ +19.5% vs 2022
2024: €213k▲ +7.1% vs 2023
2025: €231k▲ +8.5% vs 2024
2018 → 2025
Net result
€65k▲ 185%
2024 · €23k
2018: €80k
2019: €60k▼ -24.9% vs 2018
2020: €86k▲ +42.1% vs 2019highest in 8 years
2021: €63k▼ -26.4% vs 2020
2022: €59k▼ -6.5% vs 2021
2023: €49k▼ -16.4% vs 2022
2024: €23k▼ -54.2% vs 2023lowest in 8 years
2025: €65k▲ +185% vs 2024
2018 → 2025
Working capital
€20k
2024 · €-53k
2018: €41k
2019: €110k▲ +168% vs 2018
2020: €191k▲ +72.6% vs 2019highest in 8 years
2021: €104k▼ -45.5% vs 2020
2022: €23k▼ -77.9% vs 2021
2023: €-21k▼ -194% vs 2022
2024: €-53k▼ -147% vs 2023lowest in 8 years
2025: €20k▲ +138% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€23k▼ 77.9%€22k▼ 2.6%€45k▲ 101%€109k▲ 143%
2021: €104k
2022: €23k▼ -77.9% vs 2021
2023: €22k▼ -2.6% vs 2022lowest in 5 years
2024: €45k▲ +101% vs 2023
2025: €109k▲ +143% vs 2024highest in 5 years
Operating result€79k-€73k▼ 7.5%€61k▼ 16.5%€27k▼ 55.5%€81k▲ 198%
2021: €79k
2022: €73k▼ -7.5% vs 2021
2023: €61k▼ -16.5% vs 2022
2024: €27k▼ -55.5% vs 2023lowest in 5 years
2025: €81k▲ +198% vs 2024highest in 5 years
Net result€63k-€59k▼ 6.5%€49k▼ 16.4%€23k▼ 54.2%€65k▲ 185%
2021: €63k
2022: €59k▼ -6.5% vs 2021
2023: €49k▼ -16.4% vs 2022
2024: €23k▼ -54.2% vs 2023lowest in 5 years
2025: €65k▲ +185% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 198% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €231k
Fixed assets
€89k ▼ 8.8%
Current assets
€141k ▲ 23.2%
Equity and liabilities €231k
Equity
€109k ▲ 143%
Debt
€121k ▼ 27.7%
Debt's share of the balance-sheet total falls from 78.8% to 52.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€92k▲
2024 · €36k
Cash flow
€76k▲
2024 · €32k
Current ratio
1.17▲
2024 · 0.68
Quick ratio
1.00▲
2024 · 0.64
Debt to equity
1.11▼
2024 · 3.73
ROE
58.9%▲
2024 · 50.4%
ROA
28.0%▲
2024 · 10.7%
Interest coverage
1364.75▲
2024 · 588.26
Debt ≤ 1 year
€121k▼
2024 · €168k
Income taxes
€16k▲
2024 · €4k
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€213k€231k▲
Fixed assets21/28€98k€89k▼
Tangible fixed assets22/27€98k€89k▼
Plant, machinery and equipment23€98k€89k▼
Current assets29/58€115k€141k▲
Stocks and contracts in progress3€7k€20k▲
Stocks30/36€7k€20k▲
Amounts receivable within one year40/41€38k€51k▲
Trade receivables40€30k€51k▲
Other amounts receivable41€8k€0▼
Current investments50/53€2k€2k▲
Cash at bank and in hand54/58€66k€67k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€213k€231k▲
Equity10/15€45k€109k▲
Contributions10/11€19k€19k=
Reserves13€26k€91k▲
Distributable reserves133€26k€91k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€168k€121k▼
Amounts payable within one year42/48€168k€121k▼
Financial debts43€360€0▼
Credit institutions430/8€360€0▼
Trade debts44€20€83▲
Suppliers440/4€20€83▲
Taxes, remuneration and social security45€6k€12k▲
Taxes450/3€6k€12k▲
Other amounts payable47/48€161k€109k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲
Other operating charges640/8€709€652▼
Gross operating margin9900€37k€92k▲
Operating profit (loss)9901€27k€81k▲
Financial income75/76B€8€7▼
Recurring financial income75€8€7▼
Financial charges65/66B€62€67▲
Recurring financial charges65€62€67▲
Profit (loss) for the period before taxes9903€27k€81k▲
Income taxes67/77€4k€16k▲
Profit (loss) for the period9904€23k€65k▲
Profit (loss) for the period to be appropriated9905€23k€65k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€65k▲
Transfer from equity791/2€0-
Transfer to equity691/2€23k€65k▲
To other reserves6921€23k€65k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | - | €144 | €9k | €11k | ▲ 20.8% |
| Other operating charges640/8 | €101 | €562 | €616 | €709 | €652 | ▼ 8.0% |
| Gross operating margin9900 | €79k | €73k | €62k | €37k | €92k | ▲ 150% |
| Operating profit (loss)9901 | €79k | €73k | €61k | €27k | €81k | ▲ 198% |
| Financial income75/76B | €458 | €1k | €48 | €8 | €7 | ▼ 3.7% |
| Recurring financial income75 | €458 | €1k | €48 | €8 | €7 | ▼ 3.7% |
| Financial charges65/66B | €380 | €775 | €63 | €62 | €67 | ▲ 9.2% |
| Recurring financial charges65 | €380 | €775 | €63 | €62 | €67 | ▲ 9.2% |
| Profit (loss) for the period before taxes9903 | €79k | €74k | €61k | €27k | €81k | ▲ 198% |
| Income taxes67/77 | €16k | €14k | €11k | €4k | €16k | ▲ 267% |
| Profit (loss) for the period9904 | €63k | €59k | €49k | €23k | €65k | ▲ 185% |
| Profit (loss) for the period to be appropriated9905 | €63k | €59k | €49k | €23k | €65k | ▲ 185% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €257k | €166k | €198k | €213k | €231k | ▲ 8.5% |
| Fixed assets21/28 | - | - | €44k | €98k | €89k | ▼ 8.8% |
| Tangible fixed assets22/27 | - | - | €44k | €98k | €89k | ▼ 8.8% |
| Plant, machinery and equipment23 | - | - | €44k | €98k | €89k | ▼ 8.8% |
| Current assets29/58 | €257k | €166k | €155k | €115k | €141k | ▲ 23.2% |
| Stocks and contracts in progress3 | €22k | €15k | €9k | €7k | €20k | ▲ 185% |
| Stocks30/36 | €22k | €15k | €9k | €7k | €20k | ▲ 185% |
| Amounts receivable within one year40/41 | €30k | €41k | €64k | €38k | €51k | ▲ 34.6% |
| Trade receivables40 | €25k | €41k | €62k | €30k | €51k | ▲ 68.6% |
| Other amounts receivable41 | €4k | €0 | €3k | €8k | €0 | ▼ 100% |
| Current investments50/53 | €80k | €2k | €2k | €2k | €2k | ▲ 0.4% |
| Cash at bank and in hand54/58 | €125k | €108k | €79k | €66k | €67k | ▲ 1.7% |
| Deferred charges and accrued income490/1 | €220 | €248 | €256 | €2k | €1k | ▼ 26.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €257k | €166k | €198k | €213k | €231k | ▲ 8.5% |
| Equity10/15 | €104k | €23k | €22k | €45k | €109k | ▲ 143% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €85k | €4k | €4k | €26k | €91k | ▲ 245% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €83k | €2k | €4k | €26k | €91k | ▲ 245% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | - | - |
| Amounts payable17/49 | €153k | €143k | €176k | €168k | €121k | ▼ 27.7% |
| Amounts payable within one year42/48 | €153k | €143k | €176k | €168k | €121k | ▼ 27.7% |
| Financial debts43 | - | - | - | €360 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €360 | €0 | ▼ 100% |
| Trade debts44 | €2k | €516 | €538 | €20 | €83 | ▲ 321% |
| Suppliers440/4 | €2k | €516 | €538 | €20 | €83 | ▲ 321% |
| Taxes, remuneration and social security45 | €2k | €3k | €7k | €6k | €12k | ▲ 101% |
| Taxes450/3 | €2k | €3k | €7k | €6k | €12k | ▲ 101% |
| Other amounts payable47/48 | €150k | €140k | €169k | €161k | €109k | ▼ 32.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €63k | €59k | €49k | €23k | €65k | ▲ 185% |
| + Depreciation and write-downs630 | - | - | €144 | €9k | €11k | ▲ 20.8% |
| Operating cash flow (approximation) | €63k | €59k | €50k | €32k | €76k | ▲ 138% |
| Investment in fixed assets (approximation) | - | - | - | €-63k | €-2k | ▲ 96.2% |
| Change in cash | - | €-17k | €-28k | €-13k | €1k | ▲ 109% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €109k ▲143%
8 profitable years in a row build equity to €109k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €23k ▼54.2%
Net result drops to €23k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €86k ▲42.1%
Operating result €108k, net result €86k, both a record.
31-12
Financial
Liquidity times 13current ratio 34.26
Current ratio from 2.57 to 34.26; short-term debt falls from €70k to €6k.
31-12
Financial
Equity above €150kEq €191k ▲82%
3 profitable years in a row build equity to €191k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-12
Financial
Liquidity doublescurrent ratio 2.57
Current ratio from 1.16 to 2.57; short-term debt falls from €256k to €70k.
31-12
Financial
Equity above €100kEq €105k ▲137%
2 profitable years in a row build equity to €105k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Wuustwezel · 1 establishment unit since 2014
Ground area
1,061 m²
Building footprint
192 m²
Parcel 11053D0901/00G000, Flanders. Linked by address, not a title deed.
1 establishment unit
Computerservice Bernaerts
since 20142.235.556.822
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11053D0901/00G000 | Flanders | 1,061 m² | 1 · 192 m² | - |
Linked by address, not proof of ownership
Good to know
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 3,211 companies in sector 62900 we hold annual accounts for 1,742. 1,406 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-10-2014
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
46500Wholesale of information and communication equipment
47400Retail sale of information and communication equipment
Contact
E-mail
wim@bernaerts.netWuustwezel
Scores and ratios are computed by Checked and are not a credit decision.