DIESEL BERNARD
ActiveDIESEL BERNARD has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.31M and a net result of €96k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 1036 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A confirmed filing finding caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-1
Solvency74=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €310k at 30 days only on tighter terms
Liquidity ample (current ratio 2.19 against 2.44 in 2024; short-term debt: 22.8% and cash: 2.4% of total assets), but 50.8% 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 · 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
49.2%
Return on assets
0.9%
Age of the figures
15 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Filed more than 90 days late
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-07-2026, 181 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
181 d late
2024
173 d late
2023
91 d late
2022
14 d late
2021
on the day
2020
47 d late
2019
74 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€6.41M
EBIT margin
59.4%
Net result
€96k▼ 42.8%
2024 · €168k
2019: €358k
2020: €252k
2021: €2.81M
2022: €51k
2023: €-130k
2024: €168k
2019 → 2025
Working capital
€2.94M▼ 26.7%
2024 · €4.01M
2019: €1.21M
2020: €1.33M
2021: €4.06M
2022: €3.90M
2023: €3.50M
2024: €4.01M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€6.41M-
Equity€5.13M-€5.18M▲ 1.0%€5.05M▼ 2.5%€5.21M▲ 3.3%€5.31M▲ 1.8%
Operating result€3.81M-€88k▼ 97.7%€-137k€280k€252k▼ 10.0%
Net result€2.81M-€51k▼ 98.2%€-130k€168k€96k▼ 42.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €10.80M
Fixed assets
€5.40M▲ 42.5%
Current assets
€5.40M▼ 20.4%
Equity and liabilities €10.80M
Equity
€5.31M▲ 1.8%
Provisions
€727k▼ 4.7%
Debt
€4.76M▲ 3.6%
The debt ratio rises from 43.5% to 44.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€458k▼
2024 · €497k
Cash flow
€303k▼
2024 · €386k
Solvency
49.2%▼
2024 · 49.3%
Current ratio
2.19▼
2024 · 2.44
Quick ratio
1.38▼
2024 · 1.64
Debt / equity
0.90▲
2024 · 0.88
ROE
1.8%▼
2024 · 3.2%
ROA
0.9%▼
2024 · 1.6%
Interest coverage
7.22▼
2024 · 7.43
Debt
€4.76M▲
2024 · €4.60M
Debt ≤ 1 year
€2.47M▼
2024 · €2.78M
Debt > 1 year
€2.30M▲
2024 · €1.79M
Income taxes
€129k▲
2024 · €103k
Staff costs
€632k▲
2024 · €455k
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€10.57M€10.80M▲
Fixed assets21/28€3.79M€5.40M▲
Tangible fixed assets22/27€3.78M€5.39M▲
Land and buildings22€3.31M€4.97M▲
Plant, machinery and equipment23€434k€397k▼
Furniture and vehicles24€32k€20k▼
Leasing and similar rights25€0-
Financial fixed assets28€6k€5k▼
Current assets29/58€6.79M€5.40M▼
Stocks and contracts in progress3€2.22M€1.99M▼
Stocks30/36€2.22M€1.99M▼
Amounts receivable within one year40/41€4.16M€3.15M▼
Trade receivables40€3.22M€2.20M▼
Other amounts receivable41€938k€949k▲
Cash at bank and in hand54/58€378k€259k▼
Deferred charges and accrued income490/1€31k-
Equity and liabilities
Total equity and liabilities10/49€10.57M€10.80M▲
Equity10/15€5.21M€5.31M▲
Contributions10/11€101k€101k=
Reserves13€4.72M€4.68M▼
Tax-exempt reserves132€2.30M€2.18M▼
Distributable reserves133€2.41M€2.50M▲
Profit (loss) carried forward14-€132k
Investment grants15€397k€397k=
Provisions and deferred taxes16€763k€727k▼
Deferred taxes168€763k€727k▼
Amounts payable17/49€4.60M€4.76M▲
Amounts payable after more than one year17€1.79M€2.30M▲
Financial debts170/4€1.79M€2.30M▲
Amounts payable within one year42/48€2.78M€2.47M▼
Current portion of amounts payable after more than one year42€149k€190k▲
Trade debts44€1.97M€1.18M▼
Suppliers440/4€1.97M€1.18M▼
Advances received on contracts in progress46€238k€68k▼
Taxes, remuneration and social security45€85k€170k▲
Taxes450/3€39k€82k▲
Remuneration and social security454/9€46k€88k▲
Other amounts payable47/48€337k€854k▲
Accrued charges and deferred income492/3€30k-
Income statement
Code20242025
Non-recurring operating income76A€17k-
Remuneration, social security and pensions62€455k€632k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€218k€206k▼
Other operating charges640/8€70k€223k▲
Gross operating margin9900€1.02M€1.31M▲
Operating profit (loss)9901€280k€252k▼
Financial income75/76B€14k€2k▼
Recurring financial income75€14k€2k▼
Financial charges65/66B€67k€64k▼
Recurring financial charges65€67k€63k▼
Non-recurring financial charges66B€345€150▼
Profit (loss) for the period before taxes9903€226k€190k▼
Transfer from deferred taxes780€45k€36k▼
Income taxes67/77€103k€129k▲
Profit (loss) for the period9904€168k€96k▼
Transfer from tax-exempt reserves789€135k€122k▼
Profit (loss) for the period to be appropriated9905€304k€218k▼
Appropriation of the result
Profit (loss) to be appropriated9906€304k€218k▼
Transfer from equity791/2€0-
Transfer to equity691/2€304k€86k▼
To other reserves6921€304k€86k▼
Social balance
Average headcount (FTE)90877.9-
The notes to these accounts (19 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 181 days late
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 173 days late
2024
30-06
Financial
Back to profitnet €168k
Net result €168k after one loss-making year.
01-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 91 days late
2023
30-06
Financial
Weakest financial yearnet €-130k ▼355%
Net result drops to €-130k, the lowest in the series; recovery starts the following year.
14-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 14 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Highest result since 2019net €2.81M ▲1014%
Operating result €3.81M, net result €2.81M, both a record.
30-06
Financial
Equity above €5MEq €5.13M ▲167%
3 profitable years in a row build equity to €5.13M.
19-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 47 days late
2020
14-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 74 days late
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 57 days late
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 58 days late
2016
30-12
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.
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, Mouscron · 3 establishment units since 1995
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.
Industriëlaan 947700 MouscronGround area
1.7 ha
Building footprint
682 m²
Volume, LiDAR
3,345 m³
3 parcels, Flanders, Wallonia · tallest building 12.4 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
DIESEL BERNARD BVBA
since 19952.034.697.734
DIESEL BERNARD BVBA
since 20012.231.200.631
DIESEL BERNARD BVBA
since 20222.331.481.607
3 parcels
Flanders
2
(66.7%)
Wallonia
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54007B0409/00G000 | Wallonia | 1.6 ha | 1 · 429 m² | 7.2 m · 1 fl. |
| 36012A0747/00S002 | Flanders | 653 m² | 1 · 162 m² | 9.8 m · 2 fl. |
| 34007A0136/00A008indicative | Flanders | 180 m² | 1 · 91 m² | 12.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
2 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 1,719 EUR awarded · 1,719 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 341 EUR | 341 EUR |
| 2022 | 2 | 1,378 EUR | 1,378 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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ECONOR
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Of 496 companies in sector 95312 we hold annual accounts for 262. 108 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-1987
Fiscal year end30-06
Activities, NACEBEL
46712Wholesale trade
95312Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
50200
47812Retail trade
45194
47820Retail sale of motor vehicle parts and accessories
46713Wholesale trade
50103
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.