KENNETH BERARD
ActiveKENNETH BERARD has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €81k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 72% of 3170 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.38 against 6.27 in 2024), and 22.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
77.4%
Return on assets
19.7%
Age of the figures
9 mo
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 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
86 d early
2023
126 d early
2022
53 d early
2021
73 d early
2020
155 d early
2019
35 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€81k▲ 26.3%
2024 · €64k
2018: €24k
2019: €24k
2020: €63k
2021: €48k
2022: €31k
2023: €59k
2024: €64k
2018 → 2025
Working capital
€313k▲ 7.0%
2024 · €293k
2018: €152k
2019: €159k
2020: €183k
2021: €199k
2022: €222k
2023: €256k
2024: €293k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€198k-€226k▲ 14.1%€260k▲ 15.2%€300k▲ 15.1%€318k▲ 6.1%
Operating result€67k-€44k▼ 35.2%€80k▲ 83.7%€84k▲ 4.6%€106k▲ 25.9%
Net result€48k-€31k▼ 35.5%€59k▲ 92.6%€64k▲ 8.2%€81k▲ 26.3%
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 26% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€4k▼ 34.4%
Current assets
€406k▲ 16.5%
Equity and liabilities €410k
Equity
€318k▲ 6.1%
Debt
€93k▲ 66.8%
The debt ratio rises from 15.6% to 22.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€108k▲
2024 · €93k
Cash flow
€83k▲
2024 · €73k
Solvency
77.4%▼
2024 · 84.4%
Current ratio
4.38▼
2024 · 6.27
Quick ratio
4.38▼
2024 · 6.27
Debt / equity
0.29▲
2024 · 0.19
ROE
25.4%▲
2024 · 21.3%
ROA
19.7%▲
2024 · 18.0%
Interest coverage
290.03▲
2024 · 144.45
Debt
€93k▲
2024 · €56k
Debt ≤ 1 year
€93k▲
2024 · €56k
Income taxes
€33k▲
2024 · €26k
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€355k€410k▲
Formation expenses20-€0
Fixed assets21/28€7k€4k▼
Tangible fixed assets22/27€7k€4k▼
Land and buildings22€863€0▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€1k€470▼
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€35€35=
Current assets29/58€348k€406k▲
Amounts receivable within one year40/41€33k€50k▲
Trade receivables40€33k€50k▲
Other amounts receivable41-€0
Current investments50/53€285k€321k▲
Cash at bank and in hand54/58€27k€32k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€355k€410k▲
Equity10/15€300k€318k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€266k€284k▲
Distributable reserves133€266k€284k▲
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€56k€93k▲
Amounts payable within one year42/48€56k€93k▲
Current portion of amounts payable after more than one year42€7k€0▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€18k€21k▲
Taxes450/3€18k€21k▲
Other amounts payable47/48€27k€69k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€94k€109k▲
Operating profit (loss)9901€84k€106k▲
Financial income75/76B€6k€9k▲
Recurring financial income75€6k€9k▲
Financial charges65/66B€642€372▼
Recurring financial charges65€642€372▼
Profit (loss) for the period before taxes9903€90k€114k▲
Income taxes67/77€26k€33k▲
Profit (loss) for the period9904€64k€81k▲
Profit (loss) for the period to be appropriated9905€64k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€108k▲
Profit (loss) brought forward from the previous period14P€28k€28k=
Transfer from equity791/2€24k€63k▲
Transfer to equity691/2€64k€81k▲
To other reserves6921€64k€81k▲
Profit to be distributed694/7€24k€63k▲
Return on contributions (dividend)694€24k€63k▲
The notes to these accounts (5 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2018net €81k ▲26.3%
Operating result €106k, net result €81k, both a record.
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Liquidity triplescurrent ratio 9.64
Current ratio from 3.77 to 9.64; short-term debt falls from €72k to €26k.
31-12
Financial
Equity above €200kEq €226k ▲14.1%
5 profitable years in a row build equity to €226k.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
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
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, Lasne · 1 establishment unit since 2006
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.
Tienne de Renival 181380 LasneGround area
1,367 m²
Building footprint
237 m²
Volume, LiDAR
3,443 m³
2 parcels, Brussels, Wallonia · tallest building 31.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
KENNETH BERARD
since 20062.152.439.797
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25051F0112/00K000 | Wallonia | 1,168 m² | 1 · 81 m² | 10.4 m · 3 fl. |
| 21807G0025/00L000 | Brussels | 199 m² | 1 · 155 m² | 31.9 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500WYRQSM0ZXOSI37
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GDB CONSULTING
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 37,659 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2006
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.