Maison BERNA
ActiveMaison BERNA has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-8k) and a net result of €-10k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 28% of 220 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
31
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability5▼-42
Solvency15▼-12
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.7 against 0.84 in 2023; short-term debt: 110.2% and cash: 4.4% of total assets), and equity is negative.
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 · 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-10.2%
Return on assets
-13.3%
Age of the figures
21 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 14
Relative position
BE, all sectors
reference
Sector 14
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-8k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
40 d late
2022
70 d late
2021
33 d early
2020
54 d late
2019
60 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-8k
2023 · €2k
2018: €12k
2019: €12k
2020: €16k
2021: €10k
2022: €-7k
2023: €2k
2018 → 2024
Total assets
€77k▼ 40.6%
2023 · €130k
2018: €36k
2019: €22k
2020: €29k
2021: €22k
2022: €50k
2023: €130k
2018 → 2024
Net result
€-10k
2023 · €10k
2018: €1k
2019: €-160
2020: €4k
2021: €-6k
2022: €-18k
2023: €10k
2018 → 2024
Working capital
€-25k▼ 24.8%
2023 · €-20k
2018: €5k
2019: €11k
2020: €15k
2021: €10k
2022: €-7k
2023: €-20k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€16k-€10k▼ 34.6%€-7k€2k€-8k
Operating result€6k-€-4k€-15k▼ 243%€20k€-1k
Net result€4k-€-6k€-18k▼ 219%€10k€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €1k after €20k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €77k
Fixed assets
€18k▼ 22.9%
Current assets
€60k▼ 44.4%
Key figures and ratios
EBITDA
€4k▼
2023 · €23k
Cash flow
€-5k▼
2023 · €13k
Solvency
-10.2%▼
2023 · 1.8%
Current ratio
0.70▼
2023 · 0.84
Quick ratio
0.58▲
2023 · 0.56
Debt / equity
-10.76▼
2023 · 54.17
ROA
-13.3%▼
2023 · 7.4%
Interest coverage
0.39▼
2023 · 2.28
Debt
€85k▼
2023 · €128k
Debt ≤ 1 year
€85k▼
2023 · €128k
Income taxes
€150▼
2023 · €2k
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€130k€77k▼
Fixed assets21/28€23k€18k▼
Tangible fixed assets22/27€23k€17k▼
Furniture and vehicles24€23k€17k▼
Financial fixed assets28€129€129=
Current assets29/58€108k€60k▼
Stocks and contracts in progress3€35k€11k▼
Stocks30/36€35k€11k▼
Amounts receivable within one year40/41€69k€44k▼
Trade receivables40€65k€39k▼
Other amounts receivable41€4k€6k▲
Cash at bank and in hand54/58€622€3k▲
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€130k€77k▼
Equity10/15€2k€-8k▼
Contributions10/11€19k€19k=
Reserves13€10k€10k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€8k€8k=
Profit (loss) carried forward14€-26k€-36k▼
Amounts payable17/49€128k€85k▼
Amounts payable within one year42/48€128k€85k▼
Trade debts44€63k€50k▼
Suppliers440/4€63k€50k▼
Advances received on contracts in progress46€0€10k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€62k€24k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€25k€5k▼
Operating profit (loss)9901€20k€-1k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€11k€-10k▼
Income taxes67/77€2k€150▼
Profit (loss) for the period9904€10k€-10k▼
Profit (loss) for the period to be appropriated9905€10k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-36k▼
Profit (loss) brought forward from the previous period14P€-36k€-26k▲
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
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 54 days late
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
20-06
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
1 act for this company is 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, Vorst · 1 establishment unit since 1976
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.
Domeinlaan 1851190 VorstGround area
2,078 m²
Building footprint
608 m²
Volume, LiDAR
17,186 m³
2 parcels, Brussels · tallest building 33.6 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
MAISON BERNA
since 19762.012.766.826
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21383B0020/00H063 | Brussels | 1,804 m² | 1 · 528 m² | 33.6 m · 10 fl. |
| 21809K0989/00C000 | Brussels | 274 m² | 1 · 80 m² | 15.4 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,093 companies in sector 14210 we hold annual accounts for 212. 48 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded02-06-1976
Fiscal year end31-12
Activities, NACEBEL
14130Manufacture of wearing apparel
14210Manufacture of outerwear
18221
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.