MarieBernard
ActiveMarieBernard has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €621k and a net result of €182k. Equity is growing by ~64.6% per year across the filed fiscal years. Its solvency ranks better than 75% of 9113 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+9
Solvency89▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.71 against 1.59 in 2024; short-term debt: 12.9% and cash: 30.6% of total assets), and 36.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
63.5%
Return on assets
18.6%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
3 d early
2023
29 d late
2022
169 d late
2021
4 d early
2020
8 d early
2019
11 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€621k▲ 26.8%
2024 · €490k
2018: €21k
2019: €40k
2020: €56k
2021: €91k
2022: €199k
2023: €357k
2024: €490k
2018 → 2025
Total assets
€978k▼ 16.4%
2024 · €1.17M
2018: €672k
2019: €624k
2020: €652k
2021: €796k
2022: €967k
2023: €1.08M
2024: €1.17M
2018 → 2025
Net result
€182k▲ 36.5%
2024 · €133k
2018: €6k
2019: €19k
2020: €19k
2021: €34k
2022: €108k
2023: €158k
2024: €133k
2018 → 2025
Working capital
€341k▲ 45.7%
2024 · €234k
2018: €-98k
2019: €-75k
2020: €-89k
2021: €-63k
2022: €-5k
2023: €125k
2024: €234k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€199k▲ 119%€357k▲ 79.6%€490k▲ 37.4%€621k▲ 26.8%
Operating result€70k-€167k▲ 138%€232k▲ 39.2%€183k▼ 21.4%€277k▲ 51.6%
Net result€34k-€108k▲ 214%€158k▲ 46.3%€133k▼ 15.7%€182k▲ 36.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €978k
Fixed assets
€511k▼ 4.8%
Current assets
€467k▼ 26.2%
Equity and liabilities €978k
Equity
€621k▲ 26.8%
Debt
€357k▼ 47.5%
The debt ratio falls from 58.1% to 36.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€305k▲
2024 · €211k
Cash flow
€210k▲
2024 · €162k
Solvency
63.5%▲
2024 · 41.9%
Current ratio
3.71▲
2024 · 1.59
Quick ratio
3.71▲
2024 · 1.59
Debt / equity
0.57▼
2024 · 1.39
ROE
29.3%▲
2024 · 27.2%
ROA
18.6%▲
2024 · 11.4%
Interest coverage
12.52▲
2024 · 12.33
Debt
€357k▼
2024 · €679k
Debt ≤ 1 year
€126k▼
2024 · €398k
Debt > 1 year
€231k▼
2024 · €281k
Income taxes
€88k▲
2024 · €57k
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€1.17M€978k▼
Fixed assets21/28€537k€511k▼
Tangible fixed assets22/27€537k€511k▼
Land and buildings22€534k€507k▼
Furniture and vehicles24€3k€4k▲
Current assets29/58€632k€467k▼
Amounts receivable after more than one year29€119k€0▼
Other amounts receivable291€119k€0▼
Amounts receivable within one year40/41€410k€164k▼
Trade receivables40€0€11k▲
Other amounts receivable41€410k€153k▼
Cash at bank and in hand54/58€78k€299k▲
Deferred charges and accrued income490/1€25k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€978k▼
Equity10/15€490k€621k▲
Contributions10/11€40k€40k=
Reserves13€450k€581k▲
Distributable reserves133€450k€581k▲
Profit (loss) carried forward14€150€150=
Amounts payable17/49€679k€357k▼
Amounts payable after more than one year17€281k€231k▼
Financial debts170/4€281k€231k▼
Amounts payable within one year42/48€398k€126k▼
Current portion of amounts payable after more than one year42€52k€50k▼
Trade debts44€18k€3k▼
Suppliers440/4€18k€3k▼
Taxes, remuneration and social security45€13k€30k▲
Taxes450/3€13k€30k▲
Other amounts payable47/48€315k€42k▼
Accrued charges and deferred income492/3-€36
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€7k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€219k€317k▲
Operating profit (loss)9901€183k€277k▲
Financial income75/76B€25k€17k▼
Recurring financial income75€25k€17k▼
Financial charges65/66B€17k€24k▲
Recurring financial charges65€17k€24k▲
Profit (loss) for the period before taxes9903€190k€269k▲
Income taxes67/77€57k€88k▲
Profit (loss) for the period9904€133k€182k▲
Profit (loss) for the period to be appropriated9905€133k€182k▲
Appropriation of the result
Profit (loss) to be appropriated9906€133k€182k▲
Profit (loss) brought forward from the previous period14P€150€150=
Transfer from equity791/2-€50k
Transfer to equity691/2€133k€182k▲
To other reserves6921€133k€182k▲
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €182k ▲36.5%
Operating result €277k, net result €182k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.71
Current ratio from 1.59 to 3.71; short-term debt falls from €398k to €126k.
31-12
Financial
Equity above €500kEq €621k ▲26.8%
8 profitable years in a row build equity to €621k.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 169 days late
2023
31-12
Financial
Equity above €200kEq €357k ▲79.6%
6 profitable years in a row build equity to €357k.
2022
31-12
Financial
Equity above €150kEq €199k ▲119%
5 profitable years in a row build equity to €199k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 17 days late
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, Keerbergen · 1 establishment unit since 2012
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.
Bollostraat 1393140 KeerbergenGround area
4,817 m²
Building footprint
359 m²
Volume, LiDAR
1,873 m³
2 parcels, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
MarieBernard
since 20122.229.206.587
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0171/00K000 | Flanders | 2,466 m² | 1 · 218 m² | 8.3 m · 2 fl. |
| 12404G0293/00X000 | Flanders | 2,351 m² | 1 · 141 m² | 7.3 m · 2 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.
Similar companies · same sector, comparable size
YOUNG IMMO
BE 0790.656.502
Verviers · Eq €621k
QINVEST
BE 0788.501.320
Kalmthout · Eq €622k
APOTHEEK DE BOLLE J.
BE 0425.011.537
Ninove · Eq €622k
MASSIMMO
BE 0437.943.023
Hove · Eq €623k
FABRIEKSPAND SERVICES
BE 0454.622.964
Roeselare · Eq €623k
Of 12,014 companies in sector 68203 we hold annual accounts for 5,981. 4,371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2012
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.