WENS BERNARD
ActiveWENS BERNARD has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €150k and a net result of €13k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 36% of 36373 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability39▼-2
Solvency59▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.62 against 1.58 in 2023; short-term debt: 61.6% and cash: 0% of total assets), but 66.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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 · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €150k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
27 d late
2022
92 d late
2021
122 d late
2020
102 d late
2019
122 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€150k▲ 9.4%
2023 · €137k
2018: €-83k
2019: €-134k
2020: €-173k
2021: €-178k
2022: €118k
2023: €137k
2018 → 2024
Total assets
€444k▲ 4.6%
2023 · €424k
2018: €751k
2019: €747k
2020: €735k
2021: €694k
2022: €425k
2023: €424k
2018 → 2024
Net result
€13k▼ 31.0%
2023 · €19k
2018: €-138k
2019: €-51k
2020: €-39k
2021: €-4k
2022: €296k
2023: €19k
2018 → 2024
Working capital
€169k▲ 9.0%
2023 · €155k
2018: €-374k
2019: €-536k
2020: €-582k
2021: €-579k
2022: €129k
2023: €155k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-173k-€-178k▼ 2.6%€118k€137k▲ 15.8%€150k▲ 9.4%
Operating result€6k-€29k▲ 367%€342k▲ 1,090%€40k▼ 88.2%€18k▼ 54.9%
Net result€-39k-€-4k▲ 88.6%€296k€19k▼ 93.7%€13k▼ 31.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 55% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €444k
Fixed assets
€2k▼ 39.4%
Current assets
€442k▲ 4.9%
Equity and liabilities €444k
Equity
€150k▲ 9.4%
Debt
€293k▲ 2.3%
The debt ratio falls from 67.6% to 66.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▼
2023 · €46k
Cash flow
€16k▼
2023 · €24k
Solvency
33.9%▲
2023 · 32.4%
Current ratio
1.62▲
2023 · 1.58
Quick ratio
1.61▲
2023 · 1.58
Debt / equity
1.95▼
2023 · 2.09
ROE
8.6%▼
2023 · 13.7%
ROA
2.9%▼
2023 · 4.4%
Interest coverage
2.04▲
2023 · 1.98
Debt
€293k▲
2023 · €287k
Debt ≤ 1 year
€273k▲
2023 · €267k
Debt > 1 year
€20k=
2023 · €20k
Income taxes
€7k▼
2023 · €10k
Staff costs
€1k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€424k€444k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€2k€238▼
Current assets29/58€422k€442k▲
Amounts receivable after more than one year29-€397k
Other amounts receivable291-€397k
Stocks and contracts in progress3-€3k
Stocks30/36-€3k
Amounts receivable within one year40/41€404k€20k▼
Trade receivables40€8k€8k▲
Other amounts receivable41€397k€12k▼
Cash at bank and in hand54/58€15k€177▼
Deferred charges and accrued income490/1€2k€22k▲
Equity and liabilities
Total equity and liabilities10/49€424k€444k▲
Equity10/15€137k€150k▲
Contributions10/11€25k€25k=
Reserves13€40k€53k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€8k€8k=
Distributable reserves133€30k€43k▲
Profit (loss) carried forward14€72k€72k=
Amounts payable17/49€287k€293k▲
Amounts payable after more than one year17€20k€20k=
Financial debts170/4€20k€20k=
Amounts payable within one year42/48€267k€273k▲
Current portion of amounts payable after more than one year42€111k€123k▲
Financial debts43€10k€16k▲
Credit institutions430/8€10k€16k▲
Trade debts44€58k€50k▼
Suppliers440/4€58k€50k▼
Taxes, remuneration and social security45€48k€39k▼
Taxes450/3€48k€39k▼
Other amounts payable47/48€40k€45k▲
Income statement
Code20232024
Remuneration, social security and pensions62€3k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€3k▼
Other operating charges640/8€5k€2k▼
Non-recurring operating charges66A€734€6k▲
Gross operating margin9900€54k€30k▼
Operating profit (loss)9901€40k€18k▼
Financial income75/76B€11k€12k▲
Recurring financial income75€11k€12k▲
Non-recurring financial income76B€28-
Financial charges65/66B€23k€10k▼
Recurring financial charges65€23k€10k▼
Profit (loss) for the period before taxes9903€29k€20k▼
Income taxes67/77€10k€7k▼
Profit (loss) for the period9904€19k€13k▼
Profit (loss) for the period to be appropriated9905€19k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€91k€85k▼
Profit (loss) brought forward from the previous period14P€72k€72k=
Transfer to equity691/2€19k€13k▼
To other reserves6921€19k€13k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €150k ▲9.4%
3 profitable years in a row build equity to €150k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 92 days late
2022
31-12
Financial
Back to profitnet €296k
Net result €296k after 4 loss-making years.
31-12
Financial
Liquidity times 43current ratio 1.45
Current ratio from 0.03 to 1.45; short-term debt falls from €599k to €287k.
31-12
Financial
Equity above €100kEq €118k
Equity rises from €-178k to €118k.
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
10-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 102 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
03-03
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Essen · 1 establishment unit since 1998
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.
Zwartven 12910 EssenGround area
908 m²
Building footprint
125 m²
Volume, LiDAR
748 m³
Parcel 11642D0114/00S005, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zwartven 1, 2910 Essen
since 19982.086.912.735
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0114/00S005 | Flanders | 908 m² | 1 · 125 m² | 8.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,440 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-1998
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43240Other construction installation
43299Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.