ETS LECLERCQS - BERNARD
ActiveETS LECLERCQS - BERNARD has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €243k and a net result of €104k. Equity is growing by ~24.1% per year across the filed fiscal years. Its solvency ranks better than 41% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+9
Solvency48▲+9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.09 against 1.02 in 2024; short-term debt: 14.2% and cash: 2.4% of total assets), and 77.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 10
Relative position
BE, all sectors
reference
Sector 10
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
22.6%
Return on assets
9.7%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 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.
NBB · 10 filingsDeviation from the deadline
2025
9 d late
2024
9 d late
2023
7 d late
2022
10 d late
2021
11 d late
2020
23 d late
2019
56 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€243k▲ 75.0%
2024 · €139k
2018: €26k
2019: €67k
2020: €105k
2021: €75k
2022: €90k
2023: €112k
2024: €139k
2018 → 2025
Total assets
€1.08M▲ 7.6%
2024 · €1.00M
2018: €347k
2019: €353k
2020: €350k
2021: €499k
2022: €466k
2023: €525k
2024: €1.00M
2018 → 2025
Net result
€104k▲ 283%
2024 · €27k
2018: €8k
2019: €39k
2020: €38k
2021: €-16k
2022: €15k
2023: €22k
2024: €27k
2018 → 2025
Working capital
€15k▲ 561%
2024 · €2k
2018: €48k
2019: €43k
2020: €72k
2021: €17k
2022: €51k
2023: €53k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€90k▲ 20.4%€112k▲ 23.9%€139k▲ 24.3%€243k▲ 75.0%
Operating result€-2k-€39k€41k▲ 5.1%€53k▲ 30.9%€176k▲ 231%
Net result€-16k-€15k€22k▲ 40.5%€27k▲ 26.4%€104k▲ 283%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 231% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€910k▲ 3.9%
Current assets
€168k▲ 33.0%
Equity and liabilities €1.08M
Equity
€243k▲ 75.0%
Debt
€835k▼ 3.3%
The debt ratio falls from 86.1% to 77.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€200k▲
2024 · €71k
Cash flow
€128k▲
2024 · €45k
Solvency
22.6%▲
2024 · 13.9%
Current ratio
1.09▲
2024 · 1.02
Quick ratio
1.09▲
2024 · 1.02
Debt / equity
3.43▼
2024 · 6.21
ROE
42.9%▲
2024 · 19.6%
ROA
9.7%▲
2024 · 2.7%
Interest coverage
8.05▼
2024 · 9.50
Debt
€835k▼
2024 · €864k
Debt ≤ 1 year
€153k▲
2024 · €124k
Debt > 1 year
€682k▼
2024 · €739k
Income taxes
€47k▲
2024 · €19k
Staff costs
€2k▲
2024 · €285
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€1.00M€1.08M▲
Fixed assets21/28€876k€910k▲
Tangible fixed assets22/27€870k€910k▲
Land and buildings22€735k€708k▼
Plant, machinery and equipment23€131k€169k▲
Furniture and vehicles24€5k€34k▲
Financial fixed assets28€6k-
Current assets29/58€126k€168k▲
Amounts receivable within one year40/41€109k€141k▲
Trade receivables40€95k€79k▼
Other amounts receivable41€14k€61k▲
Cash at bank and in hand54/58€16k€26k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€1.00M€1.08M▲
Equity10/15€139k€243k▲
Contributions10/11€19k€19k=
Reserves13€73k€177k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€71k€175k▲
Profit (loss) carried forward14€48k€48k=
Amounts payable17/49€864k€835k▼
Amounts payable after more than one year17€739k€682k▼
Financial debts170/4€739k€682k▼
Amounts payable within one year42/48€124k€153k▲
Current portion of amounts payable after more than one year42€74k€77k▲
Financial debts43-€12k
Credit institutions430/8-€12k
Trade debts44€21k€12k▼
Suppliers440/4€21k€12k▼
Taxes, remuneration and social security45€29k€51k▲
Taxes450/3€29k€51k▲
Remuneration and social security454/9-€485
Other amounts payable47/48-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€285€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€23k▲
Other operating charges640/8€73k€16k▼
Gross operating margin9900€144k€218k▲
Operating profit (loss)9901€53k€176k▲
Financial income75/76B€0€34▲
Recurring financial income75€0€34▲
Financial charges65/66B€7k€25k▲
Recurring financial charges65€7k€25k▲
Profit (loss) for the period before taxes9903€46k€152k▲
Income taxes67/77€19k€47k▲
Profit (loss) for the period9904€27k€104k▲
Transfer to tax-exempt reserves689€25k-
Profit (loss) for the period to be appropriated9905€2k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€152k▲
Profit (loss) brought forward from the previous period14P€45k€48k▲
Transfer from equity791/2€25k-
Transfer to equity691/2€25k€104k▲
To other reserves6921€25k€104k▲
The notes to these accounts (7 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
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
31-12
Financial
Highest result since 2018net €104k ▲283%
Operating result €176k, net result €104k, both a record.
31-12
Financial
Equity above €200kEq €243k ▲75%
4 profitable years in a row build equity to €243k.
09-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 9 days late
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
31-12
Financial
Equity above €100kEq €112k ▲23.9%
2 profitable years in a row build equity to €112k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Weakest financial yearnet €-16k ▼141%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
31-12
Financial
Equity above €100kEq €105k ▲57.7%
3 profitable years in a row build equity to €105k.
25-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 56 days late
2019
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-12-2023
BERNARD Muriel Joséphine Eloïse Denise: Resigned as Director
01-12-2010
BERNARD Muriel: Resigned as Manager
Location & real-estate footprint
Registered office, Flémalle · 1 establishment unit since 1996
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.
Chaussée de Ramet(IVR) 34400 FlémalleGround area
298 m²
Building footprint
122 m²
Volume, LiDAR
942 m³
Parcel 62083C0086/00E002, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BUFFETS SERVICE
since 19962.079.238.253
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62083C0086/00E002 | Wallonia | 298 m² | 1 · 122 m² | 9.8 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 446 companies in sector 10850 we hold annual accounts for 173. 105 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-1996
Fiscal year end31-12
Activities, NACEBEL
10850Manufacture of food products
68201Renting and operating of own or leased residential real estate, excluding social housing
21100Manufacture of basic pharmaceutical products and pharmaceutical preparations
46500Wholesale of information and communication equipment
56210Event catering
62100Computer programming
69201Certified accountants and tax accountants
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.