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SAINT BERNARD

Active
Public limited companyfounded 199432 yrs activeArthur Diderichstraat 47, 1060 Sint-Gillis (bij-Brussel), BelgiumKBO/BCE: BE 0453.241.111
Summary

SAINT BERNARD has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€32,344) and a net result of -€1,730. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 5% of 2401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).

Risk analysisWatch ReportCompare
SAINT BERNARDActiveChecked score 53/100
Risk analysis ReportCompare

Overview

Activity
Other specialised construction activities
NACE 43990NACE 43999NACE 45250
#7 oldest company in Sint-Gillis, Construction sector1 site
Size
€48,151total assets 2025
Equity
-€32,344
Loss
-€1,730
Financial health
53 Fair Checked score 2025
Bankruptcy chance 12 m
1.2%
Structure
Parent
CHARL INVEST · 99.33%
Accounts 80 d early0 of 9 deeds read
Why 53Capped at 59: negative equity- Negative equity -€32,344- Sector Specialised construction activities (NACE 43)- Liquidity: current ratio 0.59+ Size: total assets €48,151Show the evidence

Checked score

Score 2025
53 / 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 11% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Negative equity caps the score at 59. Every signal that weighs is under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -67.2% of total assets
Liquidity 0=
short-term debt 166.0%
Profitability 18-7
return on assets -3.6%
Bankruptcy probability, 12 months
1.2% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,513 companies)
Last 24 months 11-2024: 1.0% 12-2024: 1.0%● 0.0% vs 11-2024 01-2025: 1.0%● 0.0% vs 12-2024 02-2025: 1.0%▼ -2.0% vs 01-2025 03-2025: 1.0%▼ -2.3% vs 02-2025 04-2025: 1.0%▲ +3.2% vs 03-2025 05-2025: 1.0%▼ -1.3% vs 04-2025 06-2025: 1.0%▼ -3.8% vs 05-2025lowest value 07-2025: 1.2%▲ +26.4% vs 06-2025 08-2025: 1.2%● 0.0% vs 07-2025 09-2025: 1.2%▲ +1.2% vs 08-2025highest value 10-2025: 1.2%● 0.0% vs 09-2025highest value 11-2025: 1.2%● 0.0% vs 10-2025highest value 12-2025: 1.2%● 0.0% vs 11-2025highest value 01-2026: 1.2%● 0.0% vs 12-2025highest value 02-2026: 1.2%● 0.0% vs 01-2026highest value 03-2026: 1.2%▼ -2.3% vs 02-2026 04-2026: 1.2%▲ +1.3% vs 03-2026 05-2026: 1.2%▼ -1.3% vs 04-2026 06-2026: 1.2%▲ +1.5% vs 05-2026 07-2026: 1.2%● 0.0% vs 06-2026 08-2026: 1.2%● 0.0% vs 07-2026 09-2026: 1.2%● 0.0% vs 08-2026 10-2026: 1.2%● 0.0% vs 09-2026
  • Size: total assets €48,151 lowers the probability for this profile
  • Negative equity -€32,344 raises the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Liquidity: current ratio 0.59 raises the probability
No credit on open account
Liquidity short (current ratio 0.59 against 0.67 in 2024; short-term debt: 166% of total assets), and equity is negative.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 43, micro). Better than this share of them on solvency 3%, liquidity 1%, profitability 14%, growth against the median 28%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 06-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Size: total assets €48,151
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Negative equity -€32,344
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Liquidity: current ratio 0.59
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year -€32,344
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
80 d early
2024
31 d early
2023
22 d early
2022
67 d early
2021
2 d early
2020
45 d early
2019
87 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 30 June (4 of the last 5 filed years within 36 days of that day).
Companies Code · seven months
Position in the running window
06-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · full…
  2. Annual accounts filedfiscal year 2024 · full…
  3. Annual accounts filedfiscal year 2023 · full…

Key points

  • Risk: Negative equityfiscal year 2025: debts exceed assets -€32,344 View
  • Caution: Among the weakest 5% on solvencysector median 42.6% · 2,401 companies -67.2% View
  • Controlled by CHARL INVEST 99.33% View
  • Caution: 2 loss-making years in a rowloss fiscal year 2025 -€1,730 View
  • Positive: Always filed on timeaccounts within the deadline every year 6 years View

By topic

Financials

Fiscal year
2025
Total assets
€48,151
Loss
-€1,730
Solvency
-67.2%
Total assets▼ 26.9%
Net result
20182025
Go to Financials

Timeline

Events
12
Since
2017
Next accounts
by 31-07-2027
  1. 12-05-2026Annual accounts filed
  2. 30-06-2025Annual accounts filed
  3. 09-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Other specialised construction activitiesNACE 43990
Founded
04-08-1994
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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