E. BERNAERDTS · Checked.be

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of E. BERNAERDTS is 0.2% (very low). The 2024 annual accounts show equity of €206k and a net result of €16k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 94% of 3386 sector peers (fiscal year 2024). The company has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 7 annual accounts.

Signals

2 signals · with evidence

Strong solvency vs sector

Solvency is in the sector's strongest quartile: better than 94% of 3386 peers (2024). A comfortable equity buffer.

View the sector comparison

Consistently profitable

Positive net result in the two most recent financial years (2023 and 2024).

View the result trend

Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.

Filing behaviour

From the deposit records, complete market-wide

Deadline passed, not yet counted as missing

The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 19 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-08-2025, 22 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

How we compute the deadline

The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.

Deadline per financial year

Year closed	Due by	Filed	Variance	Reference
31-12-2025	31-07-2026	nothing on record	not filed	-
31-12-2024	31-07-2025	22-08-2025	22 d late	2025-00395604
31-12-2023	31-07-2024	12-09-2024	43 d late	2024-00462175
31-12-2022	31-07-2023	31-08-2023	31 d late	2023-00387591
31-12-2021	31-07-2022	16-10-2022	77 d late	2022-20465001
31-12-2020	31-07-2021	28-09-2021	59 d late	2021-70300464
31-12-2019	31-07-2020	14-11-2020	106 d late	2020-70600136
31-12-2018	31-07-2019	13-08-2019	13 d late	2019-45900060
31-12-2017	31-07-2018	21-08-2018	21 d late	2018-48300593
31-12-2016	31-07-2017	31-07-2017	on the day	2017-39300173
31-12-2015	31-07-2016	18-08-2016	18 d late	2016-44900349

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals

Long-established

Founded in 1988, 37 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

0.2% Very low

0%0,5%1,5%4%10%≥25%

Lower-failure-rate sector −Long track record −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)

EBIT marginNot published (abbreviated filing)

Net result€16k-26.3%

Working capital€204k+7.2%

CSV export

Annual accounts & ratios

Source: NBB · 2024

Annual accounts filed on 22-08-2025 with the NBB · fiscal year 2024 · micro

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

growing Equity: growth of ~9%/year over 7 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2024 · NACE 71, Architecture & engineering · compared within the same schema type (micro schema)

Metric	This company	Sector median	Position in the sector
Solvency	89.8%	55.0%	better than 94% of 3386 sector peers
Net result	€16k	€19k	better than 46% of 3386 sector peers
Equity	€206k	€45k	better than 92% of 3388 sector peers
Gross operating margin	€21k	€38k	better than 32% of 3383 sector peers
Total assets	€229k	€95k	better than 81% of 3387 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Sector position over time

Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).

Solvency P94

Stable position over 2020-2024 · n=421-3386

Net result P46

Weakening position over 2020-2024 · n=421-3386

Equity P92

Stable position over 2020-2024 · n=421-3388

Gross operating margin P32

Stable position over 2020-2024 · n=420-3383

Describes the position versus peers, not a forecast.

EBITDA

€18k

-23.3% 18-24

Net profit

€16k

-26.3% 18-24

Cash flow

€17k

-26.9% 18-24

Total assets

€229k

-3.4% 18-24

Equity

€206k

+7.5% 18-24

Working capital

€204k

+7.2% 18-24

Income taxes

€9k

-3.2% 18-24

Dividends

€2k

-91.0% 18-24

Show 9 other metrics

Debt

€23k

-49.0% 18-24

Debt ≤ 1y

€23k

-49.2% 18-24

Current ratio

9.76

+89.6% 18-24

Quick ratio

9.76

+89.6% 18-24

Solvency

89.8%

+11.3% 18-24

Debt / equity

0.11

-52.5% 18-24

ROE

7.9%

-31.4% 18-24

ROA

7.1%

-23.7% 18-24

Interest coverage

5.81

-89.8% 18-24

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2024
Deposit	micro
Revenue	-
EBITDA	€18k
Net profit	€16k
Cash flow	€17k
Staff costs	-
Income taxes	€9k
Dividends	€2k
Total assets	€229k
Equity	€206k
Debt	€23k
of which ≤ 1y	€23k
of which > 1y	-
Working capital	€204k
Employees (FTE)	-

Ratios (computed)

	2024
Current ratio	9.76
Quick ratio	9.76
Working capital ratio	89.0%
Solvency	89.8%
Debt / equity	0.11
Long-term debt ratio	-
Interest coverage	5.81
Gross margin	-
Net margin	-
ROA	7.1%
ROE	7.9%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2024

Assets

Fixed assets €2k · 0.9% Current assets €227k · 99.1%

Equity & liabilities

Equity €206k · 89.8% Debt €23k · 10.2%

Full annual accounts (21 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2024
Balance sheet, Assets
TOTAL ASSETS	20/58	€229k
Fixed assets	21/28	€2k
Tangible fixed assets	22/27	€2k
Current assets	29/58	€227k
Amounts receivable within one year	40/41	€178k
Cash & bank	54/58	€5k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€229k
Equity	10/15	€206k
Contributions / capital	10/11	€13k
Reserves	13	€193k
Amounts payable	17/49	€23k
Amounts payable within one year	42/48	€23k
Trade debts payable within one year	44	€2k
Income statement
Gross operating margin	9900	€21k
Operating result	9901	€17k
Financial income	75	€11k
Financial charges	65	€3k
Result before taxes	9903	€26k
Income taxes	67/77	€9k
Net result for the period	9904	€16k
Result to be appropriated	9905	€16k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Health barometer

FY 2024 · computed

86 / 100 Excellent

050100

Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →

Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.

Directors

Directors & mandates

1 director

3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.

Current directors & mandates

Edgard Joseph BERNAERDTS
Director
State Gazette act 23470411 (21-12-2023)

Current
21-12-2023 → present

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Insolvency mandates

No insolvency mandates (liquidators, administrators) on record for this company.

Legal Structure

NACE primary	Activiteiten van bouwarchitecten(71111)
Legal form	Private limited company(610)
Incorporation	06-10-1988
Status	Active
Postal code	3920

Structure & network

Locations & real estate

Registered office

on the map · from the address register

exact location from the address register On OpenStreetMap

Establishment units

1 location

Norbert Neeckxlaan 53, 3920 Lommel

Maken van foto's voor bedrijven en particulieren: portretfotografie; mode-en reklamefotografie; fotografie tbv uitgeverijen, toeristische doeleinden, bemiddelaars in onroerende goederen, enz

since 19952.071.990.868

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Parcels2

Ground area2,534 m²

Buildings2

Building footprint638 m²

Volume (LiDAR)2,841 m³

Tallest building10.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)