MAISON DERNIER
ActiveSummary
MAISON DERNIER has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €148k and a net result of €-12k. Equity is growing by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-16
Solvency49▼-1
Growth40=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.46 against 0.52 in 2024; short-term debt: 25.9% and cash: 3.3% of total assets), and 75.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 25-03-2026, 36 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
36 d early
2024
133 d early
2023
83 d early
2022
60 d early
2021
85 d early
2020
157 d early
2019
63 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€349k▼ 17.9%
2020 · €425k
2018: €415k
2019: €479k
2020: €425k
2018 → 2021
EBIT margin
13.6%▼ 1.7pp
2020 · 15.3%
2018: 1.5%
2019: 9.7%
2020: 15.3%
2018 → 2021
Net result
€-12k
2024 · €7
2018: €121
2019: €39k
2020: €54k
2021: €36k
2022: €12k
2023: €98
2024: €7
2018 → 2025
Working capital
€-86k▼ 46.2%
2024 · €-59k
2018: €270k
2019: €112k
2020: €-102k
2021: €-70k
2022: €-74k
2023: €-65k
2024: €-59k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€349k-
Equity€148k-€160k▲ 8.1%€160k▲ 0.1%€160k=€148k▼ 7.4%
Operating result€48k-€22k▼ 52.8%€11k▼ 50.0%€12k▲ 3.2%€2k▼ 86.7%
Net result€36k-€12k▼ 66.7%€98▼ 99.2%€7▼ 93.2%€-12k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €611k
Fixed assets
€539k ▼ 5.5%
Current assets
€72k ▲ 14.6%
Equity and liabilities €611k
Equity
€148k ▼ 7.4%
Debt
€463k ▼ 2.2%
Debt's share of the balance-sheet total rises from 74.7% to 75.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €61k
Cash flow
€39k▼
2024 · €49k
Current ratio
0.46▼
2024 · 0.52
Quick ratio
0.25▲
2024 · 0.25
Debt to equity
3.13▲
2024 · 2.96
ROE
-8.0%▼
2024 · 0.0%
ROA
-1.9%▼
2024 · 0.0%
Interest coverage
3.92▼
2024 · 5.51
Debt ≤ 1 year
€158k▲
2024 · €122k
Debt > 1 year
€305k▼
2024 · €333k
Income taxes
€21▼
2024 · €604
Staff costs
€2k▲
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€633k€611k▼
Fixed assets21/28€570k€539k▼
Intangible fixed assets21€2k€2k▼
Tangible fixed assets22/27€568k€537k▼
Land and buildings22€519k€492k▼
Plant, machinery and equipment23€17k€27k▲
Furniture and vehicles24€32k€18k▼
Current assets29/58€63k€72k▲
Stocks and contracts in progress3€33k€33k=
Stocks30/36€33k€33k=
Amounts receivable within one year40/41€7k€18k▲
Trade receivables40€7k€16k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€23k€20k▼
Deferred charges and accrued income490/1€286€900▲
Equity and liabilities
Total equity and liabilities10/49€633k€611k▼
Equity10/15€160k€148k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€141k€129k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€139k€128k▼
Profit (loss) carried forward14€449€144▼
Amounts payable17/49€473k€463k▼
Amounts payable after more than one year17€333k€305k▼
Financial debts170/4€333k€305k▼
Amounts payable within one year42/48€122k€158k▲
Current portion of amounts payable after more than one year42€31k€28k▼
Trade debts44€14k€28k▲
Suppliers440/4€14k€28k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€73k€96k▲
Accrued charges and deferred income492/3€18k-
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€272k€218k▼
Remuneration, social security and pensions62€2k€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€51k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€66k€58k▼
Operating profit (loss)9901€12k€2k▼
Financial income75/76B€82€19▼
Recurring financial income75€82€19▼
Financial charges65/66B€11k€13k▲
Recurring financial charges65€11k€13k▲
Profit (loss) for the period before taxes9903€610€-12k▼
Income taxes67/77€604€21▼
Profit (loss) for the period9904€7€-12k▼
Profit (loss) for the period to be appropriated9905€7€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€449€-11k▼
Profit (loss) brought forward from the previous period14P€443€449▲
Transfer from equity791/2-€12k
The notes to these accounts (9 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-12k ▼177092%
Net result drops to €-12k, the lowest in the series.
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €160k ▲8.1%
5 profitable years in a row build equity to €160k.
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Highest result since 2018net €54k ▲38.9%
Operating result €65k, net result €54k, both a record.
30-09
Financial
Equity above €100kEq €112k ▲93.8%
3 profitable years in a row build equity to €112k.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Pepinster · 1 establishment unit since 2017
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.
Bouhaye 824861 PepinsterGround area
1,578 m²
Building footprint
43 m²
Volume, LiDAR
255 m³
Parcel 63071A0224/00E000, Wallonia · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MACONNERIE JULIEN DERNIER SPRL
since 20172.265.310.383
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63071A0224/00E000indicative | Wallonia | 1,578 m² | 1 · 43 m² | 11.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 sitePepinster2.265.310.383
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 12,664 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2017
Fiscal year end30-09
Activities, NACEBEL 2025
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
41003General construction of other non-residential buildings
55203Holiday cottages, homes and apartments
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.