LA BERNARDIE
ActiveLA BERNARDIE has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €171k and a net result of €4k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 2026 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
57
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability44▼-5
Solvency56▲+3
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.12 against 0.17 in 2023; short-term debt: 33.1% and cash: 3.9% of total assets), and 68.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 77
Relative position
BE, all sectors
reference
Sector 77
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 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
not confirmed
2024
4 d late
2023
61 d late
2022
5 d late
2021
61 d late
2020
29 d early
2019
97 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4k▼ 49.1%
2023 · €8k
2018: €4k
2019: €35k
2020: €22k
2021: €17k
2022: €9k
2023: €8k
2018 → 2024
Working capital
€-160k▼ 6.5%
2023 · €-151k
2018: €-175k
2019: €-172k
2020: €-166k
2021: €-170k
2022: €-166k
2023: €-151k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€132k-€149k▲ 12.9%€159k▲ 6.3%€167k▲ 5.1%€171k▲ 2.5%
Operating result€41k-€41k▼ 1.3%€31k▼ 24.5%€32k▲ 3.2%€28k▼ 13.1%
Net result€22k-€17k▼ 20.7%€9k▼ 44.7%€8k▼ 13.6%€4k▼ 49.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 13% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €549k
Fixed assets
€528k▼ 6.2%
Current assets
€21k▼ 31.2%
Equity and liabilities €549k
Equity
€171k▲ 2.5%
Debt
€378k▼ 11.5%
The debt ratio falls from 71.9% to 68.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€63k▼
2023 · €66k
Cash flow
€39k▼
2023 · €42k
Solvency
31.2%▲
2023 · 28.1%
Current ratio
0.12▼
2023 · 0.17
Quick ratio
0.12▼
2023 · 0.17
Debt / equity
2.21▼
2023 · 2.56
ROE
2.4%▼
2023 · 4.9%
ROA
0.8%▼
2023 · 1.4%
Interest coverage
2.90▼
2023 · 3.40
Debt
€378k▼
2023 · €427k
Debt ≤ 1 year
€181k▲
2023 · €181k
Debt > 1 year
€196k▼
2023 · €245k
Income taxes
€2k▼
2023 · €4k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€593k€549k▼
Fixed assets21/28€563k€528k▼
Tangible fixed assets22/27€563k€528k▼
Land and buildings22€563k€528k▼
Current assets29/58€31k€21k▼
Cash at bank and in hand54/58€31k€21k▼
Equity and liabilities
Total equity and liabilities10/49€593k€549k▼
Equity10/15€167k€171k▲
Contributions10/11€139k€139k=
Reserves13€8k€12k▲
Distributable reserves133€8k€12k▲
Profit (loss) carried forward14€20k€20k=
Amounts payable17/49€427k€378k▼
Amounts payable after more than one year17€245k€196k▼
Financial debts170/4€245k€196k▼
Amounts payable within one year42/48€181k€181k▲
Current portion of amounts payable after more than one year42€47k€49k▲
Trade debts44€8k€18k▲
Suppliers440/4€8k€18k▲
Taxes, remuneration and social security45€14k€2k▼
Taxes450/3€8k€2k▼
Remuneration and social security454/9€6k-
Other amounts payable47/48€113k€113k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€34k€35k▲
Other operating charges640/8€3k€18k▲
Gross operating margin9900€68k€81k▲
Operating profit (loss)9901€32k€28k▼
Financial income75/76B-€31
Recurring financial income75-€31
Financial charges65/66B€19k€22k▲
Recurring financial charges65€19k€22k▲
Profit (loss) for the period before taxes9903€12k€6k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€24k▼
Profit (loss) brought forward from the previous period14P€20k€20k▲
Transfer to equity691/2€8k€4k▼
To other reserves6921€8k€4k▼
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
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼49.1%
Net result drops to €4k, the lowest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 61 days late
2023
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 5 days late
2022
31-12
Financial
Equity above €150kEq €159k ▲6.3%
5 profitable years in a row build equity to €159k.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 97 days late
2019
31-12
Financial
Highest result since 2018net €35k ▲713%
Operating result €59k, net result €35k, both a record.
31-12
Financial
Equity above €100kEq €111k ▲46.2%
2 profitable years in a row build equity to €111k.
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Fosses-la-Ville · 1 establishment unit since 2007
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.
Rue Vivier,Sart-Eustache 205070 Fosses-la-VilleGround area
8,266 m²
Building footprint
341 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
La Bernardie
since 20072.164.088.806
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92110B0213/00B000 | Wallonia | 7,889 m² | 1 · 184 m² | - |
| 52045A0382/00L000 | Wallonia | 377 m² | 1 · 156 m² | - |
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.
Similar companies · same sector, comparable size
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BE 0640.987.480
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ART FORUM
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Antwerpen · Eq €171k
SURFCITY
BE 0820.284.854
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CERETAX
BE 0430.459.274
Zottegem · Eq €173k
Marchand Creative et CO.
BE 0436.253.045
Rixensart · Eq €173k
Of 881 companies in sector 77229 we hold annual accounts for 319. 247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2007
Fiscal year end31-12
Activities, NACEBEL
77229Renting and leasing of other personal and household goods
77299Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.