BERNARDON M
ActiveBERNARDON M has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €45k and a net result of €388. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 20% of 2438 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability4▲+4
Solvency27▼-8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity tight (current ratio 1.25 against 1.57 in 2023), and 84% 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+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 25
Relative position
BE, all sectors
reference
Sector 25
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
16%
Return on assets
0.1%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 2438 sector peers (2024).
NBB · sector comparisonPosition among 2438 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-09-2025, 49 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
not confirmed
2024
49 d late
2023
30 d late
2022
26 d late
2021
4 d late
2020
19 d late
2019
46 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€45k▲ 0.9%
2023 · €45k
2018: €44k
2019: €61k
2020: €44k
2021: €50k
2022: €56k
2023: €45k
2018 → 2024
Total assets
€283k▲ 5.7%
2023 · €268k
2018: €277k
2019: €291k
2020: €316k
2021: €333k
2022: €271k
2023: €268k
2018 → 2024
Net result
€388
2023 · €-11k
2018: €2k
2019: €17k
2020: €-17k
2021: €5k
2022: €6k
2023: €-11k
2018 → 2024
Working capital
€52k▼ 41.7%
2023 · €89k
2018: €66k
2019: €66k
2020: €94k
2021: €138k
2022: €121k
2023: €89k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€44k-€50k▲ 12.2%€56k▲ 13.1%€45k▼ 19.8%€45k▲ 0.9%
Operating result€-8k-€15k€11k▼ 30.4%€1k▼ 88.2%€9k▲ 617%
Net result€-17k-€5k€6k▲ 20.3%€-11k€388
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 2024; 2024 is 617% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €283k
Fixed assets
€23k▲ 1.1%
Current assets
€260k▲ 6.1%
Equity and liabilities €283k
Equity
€45k▲ 0.9%
Debt
€238k▲ 6.6%
The debt ratio rises from 83.2% to 84.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€17k▲
2023 · €11k
Cash flow
€8k▲
2023 · €-847
Solvency
16.0%▼
2023 · 16.8%
Current ratio
1.25▼
2023 · 1.57
Quick ratio
0.45▼
2023 · 0.50
Debt / equity
5.25▲
2023 · 4.96
ROE
0.9%▲
2023 · -24.6%
ROA
0.1%▲
2023 · -4.1%
Interest coverage
1.48▲
2023 · 0.95
Debt
€238k▲
2023 · €223k
Debt ≤ 1 year
€209k▲
2023 · €157k
Debt > 1 year
€29k▼
2023 · €66k
Income taxes
€2k▲
2023 · €324
Staff costs
€148k▲
2023 · €128k
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€268k€283k▲
Fixed assets21/28€23k€23k▲
Tangible fixed assets22/27€23k€23k▲
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€8k€12k▲
Current assets29/58€245k€260k▲
Stocks and contracts in progress3€166k€165k▼
Stocks30/36€152k€154k▲
Contracts in progress37€15k€11k▼
Amounts receivable within one year40/41€22k€45k▲
Trade receivables40€21k€44k▲
Other amounts receivable41€1k€725▼
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€51k€48k▼
Equity and liabilities
Total equity and liabilities10/49€268k€283k▲
Equity10/15€45k€45k▲
Contributions10/11€19k€19k=
Reserves13€42k€27k▼
Distributable reserves133€42k€27k▼
Profit (loss) carried forward14€-16k-
Amounts payable17/49€223k€238k▲
Amounts payable after more than one year17€66k€29k▼
Financial debts170/4€66k€29k▼
Amounts payable within one year42/48€157k€209k▲
Current portion of amounts payable after more than one year42€51k€52k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€88k€76k▼
Suppliers440/4€88k€76k▼
Taxes, remuneration and social security45€18k€20k▲
Taxes450/3€9k€7k▼
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48-€36k
Income statement
Code20232024
Remuneration, social security and pensions62€128k€148k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€144k€169k▲
Operating profit (loss)9901€1k€9k▲
Financial income75/76B€367€6k▲
Recurring financial income75€367€6k▲
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€11k▼
Non-recurring financial charges66B€281€800▲
Profit (loss) for the period before taxes9903€-11k€3k▲
Income taxes67/77€324€2k▲
Profit (loss) for the period9904€-11k€388▲
Profit (loss) for the period to be appropriated9905€-11k€388▲
Appropriation of the result
Profit (loss) to be appropriated9906€-16k€-16k▲
Profit (loss) brought forward from the previous period14P€-5k€-16k▼
Transfer from equity791/2-€16k
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
2026
25-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Permanent representative4 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Permanent representative4 facts ▸
- General meeting, 2026-08-01
- Director appointment, Tigo (bestuurder)
- Permanent representative, Andreas Goyvaerts
- Director resignation, Marino Bernardon (bestuurder)
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
31-12
Financial
Back to profitnet €388
Net result €388 after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 26 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Weakest financial yearnet €-17k ▼200%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Highest result since 2018net €17k ▲695%
Operating result €27k, net result €17k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
27-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Tigo
CurrentDirector · since 01-08-2026 · Limited partnership · perm. rep.: Andreas Goyvaerts
01-08-2026
Tigo: Appointed as Director
01-08-2026
Marino Bernardon: Resigned as Director
Location & real-estate footprint
Registered office, Herentals · 1 establishment unit since 1977
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.
Herenthoutseweg(HRT) 1452200 HerentalsGround area
853 m²
Building footprint
338 m²
Volume, LiDAR
1,244 m³
Parcel 13302D0542/00K002, Flanders · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BERNARDON MARIO BVBA
since 19772.013.488.881
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0542/00K002 | Flanders | 853 m² | 1 · 338 m² | 6.2 m · 1 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.
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
BERNARDON MBE 0416.699.330
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Of 980 companies in sector 25401 we hold annual accounts for 406. 293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-1976
Fiscal year end31-12
Activities, NACEBEL
25401Forging of metal
52740
95290Repair and maintenance of other personal and household goods
43211General electrical installation work
43320Joinery installation
45310
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.