MARK BERNAERTS
ActiveMARK BERNAERTS has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €110k and a net result of €3k. Equity is shrinking by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 9450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+19
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 22.67 against 4.88 in 2024; short-term debt: 3.6% and cash: 65.3% of total assets), and 4.5% 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 71
Relative position
BE, all sectors
reference
Sector 71
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
95.5%
Return on assets
2.9%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
4 d early
2022
1 d early
2021
4 d early
2020
4 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€110k▲ 3.1%
2024 · €107k
2019: €250k
2020: €143k
2021: €156k
2022: €136k
2023: €106k
2024: €107k
2019 → 2025
Total assets
€115k▼ 14.8%
2024 · €135k
2019: €272k
2020: €156k
2021: €163k
2022: €180k
2023: €152k
2024: €135k
2019 → 2025
Net result
€3k▲ 262%
2024 · €922
2019: €-19k
2020: €-3k
2021: €13k
2022: €16k
2023: €12k
2024: €922
2019 → 2025
Working capital
€89k▼ 16.9%
2024 · €107k
2019: €188k
2020: €106k
2021: €140k
2022: €135k
2023: €104k
2024: €107k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€156k-€136k▼ 13.0%€106k▼ 21.9%€107k▲ 0.9%€110k▲ 3.1%
Operating result€15k-€26k▲ 66.6%€17k▼ 34.6%€5k▼ 71.5%€6k▲ 29.2%
Net result€13k-€16k▲ 25.2%€12k▼ 27.4%€922▼ 92.1%€3k▲ 262%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 29% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€23k▲ 1,816%
Current assets
€93k▼ 30.8%
Equity and liabilities €115k
Equity
€110k▲ 3.1%
Debt
€5k▼ 81.9%
The debt ratio falls from 21.1% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11k▲
2024 · €5k
Cash flow
€8k▲
2024 · €1k
Solvency
95.5%▲
2024 · 78.9%
Current ratio
22.67▲
2024 · 4.88
Quick ratio
22.67▲
2024 · 4.88
Debt / equity
0.05▼
2024 · 0.27
ROE
3.0%▲
2024 · 0.9%
ROA
2.9%▲
2024 · 0.7%
Interest coverage
56.68▲
2024 · 4.04
Debt
€5k▼
2024 · €29k
Debt ≤ 1 year
€4k▼
2024 · €28k
Income taxes
€3k▼
2024 · €6k
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€135k€115k▼
Fixed assets21/28€1k€23k▲
Tangible fixed assets22/27€1k€23k▲
Land and buildings22€744€744=
Furniture and vehicles24€431€22k▲
Other tangible fixed assets26€0-
Current assets29/58€134k€93k▼
Amounts receivable within one year40/41€8k€16k▲
Trade receivables40€8k€6k▼
Other amounts receivable41€578€10k▲
Cash at bank and in hand54/58€125k€75k▼
Deferred charges and accrued income490/1€844€2k▲
Equity and liabilities
Total equity and liabilities10/49€135k€115k▼
Equity10/15€107k€110k▲
Contributions10/11€19k€19k=
Reserves13€56k€59k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€54k€57k▲
Profit (loss) carried forward14€32k€32k=
Amounts payable17/49€29k€5k▼
Amounts payable within one year42/48€28k€4k▼
Trade debts44€2k€189▼
Suppliers440/4€2k€189▼
Taxes, remuneration and social security45€4k€4k▲
Taxes450/3€4k€4k▲
Other amounts payable47/48€21k-
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€432€5k▲
Other operating charges640/8€1k€824▼
Gross operating margin9900€7k€12k▲
Operating profit (loss)9901€5k€6k▲
Financial income75/76B€3k€30▼
Recurring financial income75€3k€30▼
Financial charges65/66B€1k€197▼
Recurring financial charges65€1k€197▼
Profit (loss) for the period before taxes9903€7k€6k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€922€3k▲
Profit (loss) for the period to be appropriated9905€922€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€33k€36k▲
Profit (loss) brought forward from the previous period14P€32k€32k=
Transfer to equity691/2€922€3k▲
To other reserves6921€922€3k▲
The notes to these accounts (7 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity times 5current ratio 22.67
Current ratio from 4.88 to 22.67; short-term debt falls from €28k to €4k.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €16k ▲25.2%
Operating result €26k, net result €16k, both a record.
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €13k
Net result €13k after 2 loss-making years.
30-06
Financial
Liquidity doublescurrent ratio 22.04
Current ratio from 9.14 to 22.04; short-term debt falls from €13k to €7k.
30-06
Financial
Equity above €150kEq €156k ▲8.9%
Equity rises from €143k to €156k.
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Ranst · 1 establishment unit since 1987
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.
Dennenlaan 282520 RanstGround area
1,030 m²
Building footprint
379 m²
Volume, LiDAR
2,365 m³
2 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Schoolstraat 6, 2520 Ranst
since 19872.229.198.768
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11035B0252/00S005 | Flanders | 745 m² | 1 · 216 m² | 7.0 m · 1 fl. |
| 11035B0252/00E011 | Flanders | 285 m² | 1 · 164 m² | 10.1 m · 3 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.
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LANDMETER MICHELS
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Buchet G.E.I.
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PROCEFA
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Of 1,759 companies in sector 71122 we hold annual accounts for 770. 661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-03-1987
Fiscal year end30-06
Activities, NACEBEL
71122Land surveying
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:mark@bernaertsvof.be
Phone:03/485.51.49
Fax:03/485.62.67