BERNARD VERCAEMST
ActiveSummary
BERNARD VERCAEMST has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.37M and a net result of €115k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €380k at 30 days acceptable
Liquidity ample (current ratio 45.89 against 63.65 in 2024; short-term debt: 0.7% and cash: 29.9% of total assets), and 0.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
99.2%
Return on assets
2.6%
Age of the figures
12 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-04-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
16 d early
2023
69 d early
2022
41 d early
2021
85 d early
2020
64 d early
2019
56 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4.37M▲ 1.2%
2024 · €4.32M
2019: €787k
2020: €824k
2021: €864k
2022: €4.55M
2023: €4.20M
2024: €4.32M
2019 → 2025
Total assets
€4.40M▲ 1.3%
2024 · €4.34M
2019: €808k
2020: €1.61M
2021: €1.64M
2022: €4.88M
2023: €4.24M
2024: €4.34M
2019 → 2025
Net result
€115k▼ 0.2%
2024 · €115k
2019: €65k
2020: €37k
2021: €41k
2022: €3.96M
2023: €93k
2024: €115k
2019 → 2025
Working capital
€1.42M▼ 6.5%
2024 · €1.52M
2019: €785k
2020: €-694k
2021: €-637k
2022: €2.88M
2023: €1.72M
2024: €1.52M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€864k-€4.55M▲ 426%€4.20M▼ 7.6%€4.32M▲ 2.7%€4.37M▲ 1.2%
Operating result€92k-€107k▲ 16.1%€117k▲ 9.3%€114k▼ 3.1%€123k▲ 8.0%
Net result€41k-€3.96M▲ 9,622%€93k▼ 97.6%€115k▲ 22.9%€115k▼ 0.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 8% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.40M
Fixed assets
€2.95M ▲ 5.3%
Current assets
€1.45M ▼ 6.0%
Equity and liabilities €4.40M
Equity
€4.37M ▲ 1.2%
Debt
€33k ▲ 26.0%
Debt's share of the balance-sheet total rises from 0.6% to 0.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€138k▲
2024 · €118k
Cash flow
€130k▲
2024 · €119k
Current ratio
45.89▼
2024 · 63.65
Debt to equity
0.01▲
2024 · 0.01
ROE
2.6%▼
2024 · 2.7%
ROA
2.6%▼
2024 · 2.6%
Interest coverage
826.58▲
2024 · 396.91
Debt ≤ 1 year
€32k▲
2024 · €24k
Income taxes
€34k▼
2024 · €57k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.34M€4.40M▲
Fixed assets21/28€2.80M€2.95M▲
Tangible fixed assets22/27€62k€65k▲
Furniture and vehicles24€62k€65k▲
Leasing and similar rights25€309€0▼
Financial fixed assets28€2.74M€2.89M▲
Current assets29/58€1.54M€1.45M▼
Amounts receivable within one year40/41€111k€133k▲
Trade receivables40€103k€103k▲
Other amounts receivable41€8k€30k▲
Cash at bank and in hand54/58€1.42M€1.31M▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€4.34M€4.40M▲
Equity10/15€4.32M€4.37M▲
Contributions10/11€6k€6k=
Reserves13€4.31M€4.36M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€4.31M€4.36M▲
Profit (loss) carried forward14€0-
Amounts payable17/49€26k€33k▲
Amounts payable within one year42/48€24k€32k▲
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€20k€25k▲
Taxes450/3€20k€25k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€15k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€120k€140k▲
Operating profit (loss)9901€114k€123k▲
Financial income75/76B€58k€26k▼
Recurring financial income75€58k€26k▼
Financial charges65/66B€297€167▼
Recurring financial charges65€297€167▼
Profit (loss) for the period before taxes9903€172k€149k▼
Income taxes67/77€57k€34k▼
Profit (loss) for the period9904€115k€115k▼
Profit (loss) for the period to be appropriated9905€115k€115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€115k€115k▼
Transfer from equity791/2€0-
Transfer to equity691/2€115k€115k▼
To other reserves6921€115k€115k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (14 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
02-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity times 6current ratio 54.95
Current ratio from 9.84 to 54.95; short-term debt falls from €326k to €32k.
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2019net €3.96M ▲9622%
Net result €3.96M, the highest in the series.
30-09
Financial
Liquidity times 54current ratio 9.84
Current ratio from 0.18 to 9.84; short-term debt falls from €778k to €326k.
30-09
Financial
Equity above €2MEq €4.55M ▲426%
4 profitable years in a row build equity to €4.55M.
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-09
Financial
Weakest financial yearnet €37k ▼43.4%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
05-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
27-09
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
04-03
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
04-03
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
13-02
State Gazette act
Shareholder resolution · Director resignation
Director appointment · Board meeting
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
14-02
State Gazette act
Board meeting · Director reappointment
Permanent representative · Director confirmation
14-02
State Gazette act
General meeting · Director reappointment
Permanent representative · Auditor reappointment
2016
03-11
State Gazette act
General meeting · Auditor reappointment
Director reappointment · Permanent representative
01-08
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
01-08
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
27-07
State Gazette act
General meeting · Board meeting
Permanent representative · Director appointment
27-07
State Gazette act
Board meeting · Director resignation
Director appointment · Mandate compensation
27-07
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
20-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
10-02
State Gazette act
Merger · Accounting effect
Permanent representative · Shareholding
2015
28-10
State Gazette act
Merger · Accounting effect
Permanent representative · Share exchange
30-07
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
30-07
State Gazette act
General meeting · Director resignation
Board meeting · Director appointment
02-02
State Gazette act
General meeting · Statutes amendment
Director resignation · Director appointment
2012
17-12
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
17-12
State Gazette act
General meeting · Director resignation
Permanent representative termination · Director appointment
17-12
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
18-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
18-07
State Gazette act
General meeting · Board meeting
Director resignation · Director appointment
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Waregem · 1 establishment unit since 2011
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.
Desselgemseweg 1638790 WaregemGround area
1,092 m²
Building footprint
165 m²
Volume, LiDAR
805 m³
Parcel 34453D0249/00P000, Flanders · tallest building 5.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bernard Vercaemst
since 20112.199.907.837
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34453D0249/00P000 | Flanders | 1,092 m² | 1 · 165 m² | 5.8 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.
Structure & network
Ownership & control
8 board mandatesBoard mandates of this companythis company sits on their board8
2 locations
2 locations
2 locations
1 location
1 location
1 location
Show 2 more
1 location
1 location
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 12,375 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-06-2011
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.