DESTREBECQ BERNARD
ActiveDESTREBECQ BERNARD has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €35k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 50% of 820 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+3
Solvency58▲+14
Growth72=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 0.71 in 2024; short-term debt: 44% and cash: 13.8% of total assets), and 67.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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 · 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
32.5%
Return on assets
9.1%
Age of the figures
9 mo
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 €126k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
48 d early
2023
36 d early
2022
59 d early
2021
59 d early
2020
2 d late
2019
22 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€1.49M▲ 50.3%
2018 · €989k
2018: €989k
2018 → 2019
EBIT margin
-2.6%▼ 1.8pp
2018 · -0.7%
2018: -0.7%
2018 → 2019
Net result
€35k▲ 7.3%
2024 · €33k
2018: €-14k
2019: €-35k
2020: €-15k
2021: €2k
2022: €57k
2023: €-139k
2024: €33k
2018 → 2025
Working capital
€19k
2024 · €-73k
2018: €63k
2019: €33k
2020: €32k
2021: €8k
2022: €92k
2023: €-120k
2024: €-73k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€196k▲ 166%€58k▼ 70.7%€91k▲ 57.2%€126k▲ 39.1%
Operating result€-246-€69k€-134k€43k€39k▼ 8.9%
Net result€2k-€57k▲ 2,841%€-139k€33k€35k▲ 7.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €388k
Fixed assets
€198k▼ 33.7%
Current assets
€190k▲ 9.0%
Equity and liabilities €388k
Equity
€126k▲ 39.1%
Debt
€262k▼ 31.5%
The debt ratio falls from 80.8% to 67.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€116k▲
2024 · €113k
Cash flow
€113k▲
2024 · €103k
Solvency
32.5%▲
2024 · 19.2%
Current ratio
1.11▲
2024 · 0.71
Quick ratio
0.70▲
2024 · 0.66
Debt / equity
2.08▼
2024 · 4.21
ROE
28.1%▼
2024 · 36.4%
ROA
9.1%▲
2024 · 7.0%
Interest coverage
9.20▲
2024 · 7.65
Debt
€262k▼
2024 · €382k
Debt ≤ 1 year
€171k▼
2024 · €247k
Debt > 1 year
€91k▼
2024 · €135k
Income taxes
€348▲
2024 · €233
Staff costs
€1.01M▼
2024 · €1.03M
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€473k€388k▼
Fixed assets21/28€298k€198k▼
Intangible fixed assets21-€2k
Tangible fixed assets22/27€263k€196k▼
Land and buildings22€5k€5k▼
Plant, machinery and equipment23€7k€10k▲
Furniture and vehicles24€54k€29k▼
Leasing and similar rights25€195k€151k▼
Financial fixed assets28€36k€232▼
Current assets29/58€174k€190k▲
Stocks and contracts in progress3€11k€71k▲
Stocks30/36€11k€71k▲
Amounts receivable within one year40/41€113k€48k▼
Trade receivables40€83k€33k▼
Other amounts receivable41€30k€15k▼
Cash at bank and in hand54/58€30k€54k▲
Deferred charges and accrued income490/1€19k€17k▼
Equity and liabilities
Total equity and liabilities10/49€473k€388k▼
Equity10/15€91k€126k▲
Contributions10/11€82k€82k=
Capital10€82k€82k=
Issued capital100€82k€82k=
Reserves13€114k€114k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Distributable reserves133€106k€106k=
Profit (loss) carried forward14€-106k€-70k▲
Amounts payable17/49€382k€262k▼
Amounts payable after more than one year17€135k€91k▼
Financial debts170/4€135k€91k▼
Amounts payable within one year42/48€247k€171k▼
Current portion of amounts payable after more than one year42€43k€44k▲
Trade debts44€80k€59k▼
Suppliers440/4€80k€59k▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€8k€8k▲
Other amounts payable47/48€114k€57k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€1.03M€1.01M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€78k▲
Other operating charges640/8€5k€6k▲
Gross operating margin9900€1.15M€1.13M▼
Operating profit (loss)9901€43k€39k▼
Financial income75/76B€5k€10k▲
Recurring financial income75€5k€10k▲
Financial charges65/66B€15k€13k▼
Recurring financial charges65€15k€13k▼
Profit (loss) for the period before taxes9903€33k€36k▲
Income taxes67/77€233€348▲
Profit (loss) for the period9904€33k€35k▲
Profit (loss) for the period to be appropriated9905€33k€35k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-106k€-70k▲
Profit (loss) brought forward from the previous period14P€-139k€-106k▲
Social balance
Average headcount (FTE)908723.717.6▼
The notes to these accounts (14 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €100kEq €126k ▲39.1%
2 profitable years in a row build equity to €126k.
13-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-139k ▼344%
Net result drops to €-139k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €57k ▲2841%
Operating result €69k, net result €57k, both a record.
31-12
Financial
Equity above €150kEq €196k ▲166%
2 profitable years in a row build equity to €196k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 2 days late
2020
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
05-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-05
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
5 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, Bernissart · 1 establishment unit since 1993
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 Kéverlèches(BER) 397320 BernissartGround area
601 m²
Building footprint
121 m²
Parcel 51009B0139/00S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BERNARD DESTREBECQ SA
since 19932.061.372.338
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51009B0139/00S000 | Wallonia | 601 m² | 1 · 120 m² | - |
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.
Recognitions · licences · registrations
Recognised contractor
7 categoriesDESTREBECQ BERNARD SA21554
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ISO HABITAT CONSTRUCT
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BTER
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Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,884 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-02-1993
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43410Roofing work
45220
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.