Debts
€42,490 76% of the balance sheet
Financial debts 66%Suppliers 10%Taxes and wages 1%Other 22%
Of this, €14,335 falls due within a year.
SOLUTIONS
Overview
Lifetime
2 annual accounts with figures on one time axispeak €27,895 (2025)
€27,895▲ 37×
peak €11,424 (2025)
€11,424▲ 66×
peak €13,597 (2025)
€13,597▲ 526%
€42,490▲ 22×
Board1 name since 2024
1 directorBERNARD Jean-Paul
Documentsfilings and deeds
27-08-202627 days late
2025micro format
Turnover from €750 to €27,895Gross margin from €644 to €25,281Result from €173 to €11,424Equity from €2,173 to €13,597Debts from €1,958 to €42,490Cash from €2,000 to €2,955
Key points
from the 2025 annual accountsInvestments
€53,592 14.0 × depreciation
Green is investment, beige is depreciation.
Payment terms
591 days to suppliers
SOLUTIONS pays its suppliers 5,927 days earlier than in 2024. Customers pay 412 days earlier.
2025 accounts filed 27 days after the deadline
Checked score
89
Excellent
Financially stronger than 51% of micro companies in legal and accounting (NACE 69)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 20,107 companies (NACE 69, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
01-2026: < 0.1%lowest value
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.2%▲ +0.1 percentage points vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026highest value
11-2026: 0.2%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Founded in 2024
Size: turnover €27,895, total assets €56,087
lowers risk
Sector: Legal and accounting activities (NACE 69)
Figures for financial year 2025 (filed on 27-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 69, micro). It does better than 25% of them on solvency, 22% on liquidity, 59% on profitability and 99% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,390 companies had the same profile as SOLUTIONS has now. Each dot stands for 6 companies, two years later.
96.6%
were still trading
2.0%
stopped another way
1.2%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SOLUTIONS itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,390 companies, not a prediction for SOLUTIONS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.36, below 1. Short-term debt is 25.6% and cash 5.3% of total assets. 75.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 15828 sector peers (2025).
NBB · sector comparisonPosition among 15828 sector peers
Solvency
better than 23%
← weakest
strongest →
raises risk · 2025 accounts filed 27 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 2 filingsDeviation from the deadline
2025
27 days late
2024
10 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 2 accounts on average 19 days after the deadline. In the sector (NACE 69), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- BERNARD Jean-Paul,Xavier,Marie,Marc 200 sharesdeed of 05-12-2024
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:1016883167
Incorporation
Founder: BERNARD Jean-Paul, Xavier, Marie, Marc · 200 shares · Appointment: BERNARD Jean-Paul (director) · published on 05-12-2024 · Gazette deed
First establishment
Rue de l'Ecureuil 76, Seraing
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SOLUTIONS Seraing | €56,087 | €25,281 | 24.2% | - |
| Finomnia Geel | €57,326 | €23,633 | 16.5% | - |
| VDM BOEKHOUDING EN ADVIES Izegem | €48,668 | €23,669 | 47.3% | - |
| MEF CONSULTING Perwez | €64,542 | €25,027 | 25.2% | - |
| MSR COMPTA Villers-le-Bouillet | €72,491 | €28,480 | 2.9% | - |
| V.Fisca Trooz | €64,106 | €20,123 | 16.0% | - |
| Fiscal'Easy Sprimont | €44,465 | €23,148 | 24.0% | - |
These companies have the same main activity as SOLUTIONS: certified accountants and tax accountants (NACE 69201). They are comparable in size and age: total assets between €44,500 and €72,500, founded between 2024 and 2025.
Official details
Source: KBO- Status
- Active since 03-12-2024Normal situation
- Activity
- Certified accountants and tax accountantsNACE 69201
- Establishment unit
- 2.367.766.5354100 Seraing, since 03-12-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 18-12-2025
Annual accounts 2025
- €27,895▲ 37×
- €11,424▲ 66×
- €13,597▲ 526%
- €56,087▲ 14×
- Filing
- Filed on 27-08-2026
Insights on SOLUTIONS
SOLUTIONS has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €13,597 and a net result of €11,424.
Its solvency ranks better than 23% of 15,828 sector peers (NACE 69, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 27-08-2026, 27 days late€27,895
▲ 37×
€15,965
▲ 67×
€19,781
▲ 77×
€15,240
▲ 79×
24.2%
0.36
Money flows
of every €100 of turnover, €40.95 remains as profit in 2025Balance sheet
balance sheet total €56,087 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
24.2%
Higher than 23% of 15,828 companies in 2025.
0.36
Lower than 95% of 15,600 companies in 2025.
20.4%
Higher than 53% of 15,717 companies in 2025.
SOLUTIONS
Middle half of the sector
80% of the sector
Micro accounts in legal and accounting (NACE 69)
Net result: bottom quarter · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| Balance sheet: assets | |||
20/58 |
56,087 | 4,131 | |
20 |
913 | 1,147 | |
21/28 |
50,010 | - | |
22/27 |
50,010 | - | |
24 |
50,010 | - | |
29/58 |
5,164 | 2,984 | |
40/41 |
2,209 | 984 | |
40 |
2,209 | 907 | |
41 |
- | 77 | |
54/58 |
2,955 | 2,000 | |
| Balance sheet: equity and liabilities | |||
10/49 |
56,087 | 4,131 | |
10/15 |
13,597 | 2,173 | |
10/11 |
2,000 | 2,000 | |
13 |
11,597 | 173 | |
133 |
11,597 | 173 | |
17/49 |
42,490 | 1,958 | |
17 |
28,155 | - | |
170/4 |
28,155 | - | |
42/48 |
14,335 | 1,958 | |
42 |
9,522 | - | |
44 |
4,233 | 1,893 | |
440/4 |
4,233 | 1,893 | |
45 |
550 | 65 | |
450/3 |
550 | 65 | |
47/48 |
30 | - | |
| Income statement | |||
70 |
27,895 | 750 | |
9900 |
25,281 | 644 | |
60/61 |
2,614 | 106 | |
630 |
3,816 | 19 | |
640/8 |
5,500 | 387 | |
9901 |
15,965 | 238 | |
65/66B |
521 | - | |
65 |
521 | - | |
9903 |
15,444 | 238 | |
67/77 |
4,020 | 65 | |
9904 |
11,424 | 173 | |
9905 |
11,424 | 173 | |
| Appropriation of the result | |||
9906 |
11,424 | 173 | |
691/2 |
11,424 | 173 | |
6921 |
11,424 | 173 | |
| Document | |||
The notes to these accounts have 6 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 27-08-2026.
Filings
each dot is a set of accounts, on the day it reached the National Bank2025 annual accounts filed 27 days after the deadline. Filed on 27 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00435348.
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 |
|---|---|---|---|
| 19,781 | 257 | ||
| 15,240 | 192 | ||
| 53,592 | - | ||
| 955 | - | ||
| -9,171 | 1,026 | ||
| 57.2% | 31.7% | ||
| 24.2% | - | ||
| 0.36 | - | ||
| 3.12 | - | ||
| 84.0% | - | ||
| 20.4% | - | ||
| 37.97 | - | ||
| 29 days | 441 days | ||
| 591 days | 6518 days |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 |
|---|---|---|
| Tangible fixed assets | €53,592 | - |
| €3,816 | €19 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
Insights on SOLUTIONS
The operating result for 2025 is 67 times that of 2024.
Debt's share of the balance-sheet total rises from 47.4% to 75.8%. Equity and debt are higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 05-12-2024
term without a fixed end
Mandates through the years
1 name, the dashed line is todayBERNARD Jean-Paul
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- BERNARD Jean-Paul
- Director (not named in the articles), appointed by deed of 05-12-2024, still in office
Control
Founder
BERNARD Jean-Paul,Xavier,Marie,Marc
This company
SOLUTIONS
Equity €13,597
Profit €11,424 in 2025
Capital
- Contribution
- €2,000
- Shares
- 200
- Contribution per share
- €10
- Equity per share
- €67.99 in 2025
- Source
- 2025 annual accounts
Articles of association
deed of 05-12-2024 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- “Un ou plusieurs administrateurs physiques ou morales actionnaires ou non, assemblée fixe nombre durée mandat et en pluralité pouvoirs”“Assemblée générale décide si mandat exercé gratuitement, frais généraux indépendamment frais représentation voyages déplacements”
Shareholders
At incorporation
deed of 05-12-2024 ↗
- BERNARD Jean-Paul,Xavier,Marie,Marc 200 shares (100%)
Network & group
No group
SOLUTIONS has no parent and no holdings in its annual accounts. BERNARD Jean-Paul is the only director. SOLUTIONS shares no director with another company.
At the same address
Rue de l'Ecureuil 76, 4100 Seraing · 7 other companies| TECHNORAMA INVEST
establishment since 20-05-2003 · founded in 2003 |
1 FTE (2025) 0480.255.908 |
| ZOUTE 23
registered office since 09-04-2024 · founded in 2024 · negative equity (2024) |
total assets €876,088 (2024) 1008.214.139 |
| PME CONSULT
registered office since 19-01-2003 · founded in 2001 |
turnover €425,148 (2025) 0475.516.566 |
| C.E.J.
registered office since 22-11-1991 · founded in 1991 · group Bostoen Group |
turnover €91,469 (2025) 0445.824.371 |
| STAR MOBIL BENELUX
establishment since 01-12-2021 · founded in 2010 · negative equity (2025) |
total assets €2,729 (2025) 0824.382.214 |
| FBS IMMO
registered office since 24-10-2024 · founded in 2024 |
total assets €869 (2025) 1015.491.812 |
| Collectif Solidarité Culturel
registered office since 21-04-2006 |
founded in 2006 0880.883.229 |
Timeline
Timeline
5 events since 2024Filings
Establishments
202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 27 days late
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:1016883167
Annual accounts 2024 filed NBBmicro format · 10 days late
2024
IncorporationFounder: BERNARD Jean-Paul, Xavier, Marie, Marc · 200 shares · Appointment: BERNARD Jean-Paul (director) · published on 05-12-20244 points ▸
- Founder, BERNARD Jean-Paul, Xavier, Marie, Marc
- 200 shares, mentioned twice in the deed
- Registered office clause, rue de l'Écureuil 76, 4100 Seraing
- Director appointment, BERNARD Jean-Paul (director (not named in the articles))
- The deed holds 4 more points.
First establishment Rue de l'Ecureuil 76, Seraing
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
SOLUTIONS was incorporated on 3 December 2024 as a private limited company by one natural person.12 BERNARD Jean-Paul is director of the company, appointed by deed of 05-12-2024.2 The company has filed 2 sets of annual accounts, the latest for financial year 2025.3
Company details
Identity
- Enterprise number
- 1016.883.167
- VAT number
- BE 1016.883.167
- Peppol ID
- 0208:1016883167
- Other Peppol ID
- 9925:BE1016883167
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 03-12-2024
- Financial year
- ends on 31 December
- Peppol
- Reachable since 18-12-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- SOLUTIONS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 05-12-2024 (in French)
Activities
NACEBEL 2025VAT activities
69201
Certified accountants and tax accountants main activity
Social security (RSZ) activities
69201
Certified accountants and tax accountants main activity
Codes under NACEBEL 2008
69202
Legal and accounting activities main activity
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Les services juridiques en rapport avec les activités du professionnel; Fournir des conseils,des consultations en matière…”deed of 05-12-2024 (in French)
8 activities
- Les services juridiques en rapport avec les activités du professionnel ;
- Fournir des conseils,des consultations en matière statistique,économique,financière et administrative ;
- Mener toutes sortes d'études et d'activités à cet égard,à l'exception des conseils en investissement et des activités pour lesquelles une reconnaissance supplémentaire est requise et/ou qui sont réservées par la loi à d'autres professions ;
- Fournir des conseils et une assistance en matière sociale,notamment l’accomplissement des formalités y relatives tel que le calcul des salaires ;
- Exercer les activités d’ordre juridique et économique compatibles avec la déontologie de la profession ;
- Exercer l’activité de syndic immobilier ;
- Exercer la fonction de liquidateur dans d’autres sociétés ;
- Exercer des mandats d’administrateurs dans d’autres sociétés inscrites au registre public de l’Institut (ITAA)
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Rue de l'Ecureuil 76 registered office 4100 Seraing | 03-12-2024 | 2.367.766.535 |
Buildings and parcels at the address
- Ground area
- 783 m²
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 62356F0082/00V007 | 783 m² | - | - |