JF Bernard & Co
The computed 12-month bankruptcy probability of JF Bernard & Co is 0.1% (very low). The 2025 annual accounts show equity of €24k and a net result of €103k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 20% of 1943 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €24k |
| Net result | €103k |
| Better than sector | 20% |
| Active | 9 yrs |
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
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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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 8.9% | 53.8% | |
| Net result | €103k | €43k | |
| Equity | €24k | €56k | |
| Gross operating margin | €145k | €68k | |
| Total assets | €268k | €133k |
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €142k |
| Net profit | €103k |
| Cash flow | €112k |
| Staff costs | - |
| Income taxes | €29k |
| Dividends | €100k |
| Total assets | €268k |
| Equity | €24k |
| Debt | €244k |
| of which ≤ 1y | €228k |
| of which > 1y | €17k |
| Working capital | €-91k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 0.60 |
| Quick ratio | 0.60 |
| Working capital ratio | -34.0% |
| Solvency | 8.9% |
| Debt / equity | 10.28 |
| Long-term debt ratio | 0.70 |
| Interest coverage | 191.63 |
| Gross margin | - |
| Net margin | - |
| ROA | 38.3% |
| ROE | 431.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €268k |
| Fixed assets | 21/28 | €131k |
| Tangible fixed assets | 22/27 | €131k |
| Current assets | 29/58 | €137k |
| Amounts receivable within one year | 40/41 | €83k |
| Cash & bank | 54/58 | €54k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €268k |
| Equity | 10/15 | €24k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €5k |
| Accumulated profits (losses) | 14 | €319 |
| Amounts payable | 17/49 | €244k |
| Amounts payable after one year | 17 | €17k |
| Amounts payable within one year | 42/48 | €228k |
| Trade debts payable within one year | 44 | €4k |
| Income statement | ||
| Gross operating margin | 9900 | €145k |
| Operating result | 9901 | €133k |
| Financial charges | 65 | €744 |
| Result before taxes | 9903 | €132k |
| Income taxes | 67/77 | €29k |
| Net result for the period | 9904 | €103k |
| Result to be appropriated | 9905 | €103k |
| NACE primary | Legal & accounting(69203) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 12-09-2016 |
| Status | Active |
| Postal code | 4052 |
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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62012E0024/00V012 | Wallonia | 1.4 ha | 1 · 308 m² | 8.3 m · 2 fl. |
| 62817B0783/00V000 | Wallonia | 210 m² | 1 · 162 m² | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
05-11-2020 General meeting · Officer resignation · Officer discharge · Officer appointment
- Publication: 05/11/2020 · BDO BEDRIJFSREVISOREN
- Filing: 27/10/2020 · BDO BEDRIJFSREVISOREN
- General meeting: 30/09/2020 · BDO BEDRIJFSREVISOREN
- Officer resignation: role: bestuurder, end_date: 2020-10-01 · Christian Schmetz & C° BV
- Officer resignation: role: bestuurder, end_date: 2020-10-01 · Michaël Delbeke & Co BV
- Officer resignation: role: bestuurder, end_date: 2020-09-30 · Philip Vervaeck BV
- Officer discharge · Christian Schmetz & C° BV
- Officer discharge · Michaël Delbeke & Co BV
- Officer discharge · Philip Vervaeck BV
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2020-10-01 · CS Réviseurs d'Entreprises BV
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2020-10-01 · Michaël Delbeke Bedrijfsrevisor BV
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2020-10-01 · Kevin Defauw CommV
- Officer appointment: role: bestuurder, term: onbepaalde duur, start_date: 2020-10-01 · JF Bernard & Co BV
- Permanent representative · Christian Schmetz
- Permanent representative · Michaël Delbeke
- Permanent representative · Kevin Defauw
- Permanent representative · Jean-François Bernard
- Mandate compensation: bezoldigd · CS Réviseurs d'Entreprises BV
- Mandate compensation: bezoldigd · Michaël Delbeke Bedrijfsrevisor BV
- Mandate compensation: bezoldigd · Kevin Defauw CommV
- Mandate compensation: bezoldigd · JF Bernard & Co BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · Christian Schmetz & C° BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · Michaël Delbeke & Co BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 30/09/2020 · Philip Vervaeck BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · CS Réviseurs d'Entreprises BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · Michaël Delbeke Bedrijfsrevisor BV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · Kevin Defauw CommV
- Power of attorney: scope: bijzondere volmacht "categorie B", effective_date: 01/10/2020 · JF Bernard & Co BV
Technical details
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}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | JF Bernard & Co |