BERNARD LONGTAIN
ActiveBERNARD LONGTAIN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €891k and a net result of €240k. Equity is growing by ~54.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 1292 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability92▲+5
Solvency93▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 2.46 against 2.23 in 2023; short-term debt: 24.2% and cash: 23.3% of total assets), and 31.6% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2024Solvency, return and age of the figures
Solvency
68.4%
Return on assets
18.5%
Age of the figures
20 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 04-07-2025, 27 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
29 d early
2022
32 d early
2021
1 d late
2020
29 d early
2019
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€240k▲ 77.2%
2023 · €136k
2018: €30k
2019: €64k
2020: €60k
2021: €155k
2022: €180k
2023: €136k
2018 → 2024
Working capital
€462k▲ 68.6%
2023 · €274k
2018: €-76k
2019: €23k
2020: €24k
2021: €17k
2022: €167k
2023: €274k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€179k-€326k▲ 81.9%€505k▲ 54.8%€651k▲ 29.0%€891k▲ 36.8%
Operating result€66k-€194k▲ 192%€218k▲ 12.2%€173k▼ 20.5%€332k▲ 92.0%
Net result€60k-€155k▲ 157%€180k▲ 16.2%€136k▼ 24.5%€240k▲ 77.2%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 92% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.30M
Fixed assets
€525k▲ 19.0%
Current assets
€777k▲ 56.3%
Equity and liabilities €1.30M
Equity
€891k▲ 36.8%
Debt
€411k▲ 43.3%
The debt ratio rises from 30.6% to 31.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€500k▲
2023 · €290k
Cash flow
€409k▲
2023 · €253k
Solvency
68.4%▼
2023 · 69.4%
Current ratio
2.46▲
2023 · 2.23
Quick ratio
2.05▼
2023 · 2.23
Debt / equity
0.46▲
2023 · 0.44
ROE
27.0%▲
2023 · 20.8%
ROA
18.5%▲
2023 · 14.5%
Interest coverage
11.46▼
2023 · 30.89
Debt
€411k▲
2023 · €287k
Debt ≤ 1 year
€315k▲
2023 · €223k
Debt > 1 year
€94k▲
2023 · €63k
Income taxes
€62k▲
2023 · €33k
Staff costs
€230k▲
2023 · €178k
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€938k€1.30M▲
Fixed assets21/28€441k€525k▲
Intangible fixed assets21€42k€32k▼
Tangible fixed assets22/27€398k€492k▲
Land and buildings22€0€0=
Plant, machinery and equipment23€299k€262k▼
Furniture and vehicles24€99k€230k▲
Leasing and similar rights25€0-
Financial fixed assets28€1k€1k=
Current assets29/58€497k€777k▲
Stocks and contracts in progress3-€130k
Stocks30/36-€130k
Amounts receivable within one year40/41€261k€234k▼
Trade receivables40€231k€203k▼
Other amounts receivable41€31k€31k▲
Current investments50/53€682€101k▲
Cash at bank and in hand54/58€216k€303k▲
Deferred charges and accrued income490/1€19k€9k▼
Equity and liabilities
Total equity and liabilities10/49€938k€1.30M▲
Equity10/15€651k€891k▲
Contributions10/11€19k€19k=
Reserves13€156k€272k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€84k€200k▲
Distributable reserves133€72k€72k=
Profit (loss) carried forward14€466k€590k▲
Investment grants15€11k€10k▼
Amounts payable17/49€287k€411k▲
Amounts payable after more than one year17€63k€94k▲
Financial debts170/4€63k€94k▲
Amounts payable within one year42/48€223k€315k▲
Current portion of amounts payable after more than one year42€44k€56k▲
Trade debts44€12k€64k▲
Suppliers440/4€12k€64k▲
Taxes, remuneration and social security45€27k€31k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9€23k€21k▼
Other amounts payable47/48€140k€164k▲
Accrued charges and deferred income492/3€389€2k▲
Income statement
Code20232024
Remuneration, social security and pensions62€178k€230k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€117k€168k▲
Other operating charges640/8€5k€10k▲
Gross operating margin9900€473k€740k▲
Operating profit (loss)9901€173k€332k▲
Financial income75/76B€5k€14k▲
Recurring financial income75€5k€13k▲
Non-recurring financial income76B-€1k
Financial charges65/66B€9k€44k▲
Recurring financial charges65€9k€44k▲
Profit (loss) for the period before taxes9903€168k€302k▲
Income taxes67/77€33k€62k▲
Profit (loss) for the period9904€136k€240k▲
Transfer to tax-exempt reserves689-€116k
Profit (loss) for the period to be appropriated9905€136k€124k▼
Appropriation of the result
Profit (loss) to be appropriated9906€466k€590k▲
Profit (loss) brought forward from the previous period14P€330k€466k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90874.24.8▲
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €240k ▲77.2%
Operating result €332k, net result €240k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €500kEq €505k ▲54.8%
5 profitable years in a row build equity to €505k.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Equity above €200kEq €326k ▲81.9%
4 profitable years in a row build equity to €326k.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €179k ▲46.8%
3 profitable years in a row build equity to €179k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €100kEq €122k ▲91.9%
2 profitable years in a row build equity to €122k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB 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, Lontzen · 1 establishment unit since 2018
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.
Rue de Tivoli 114710 LontzenGround area
1,223 m²
Building footprint
124 m²
Volume, LiDAR
1,331 m³
Parcel 63048D0317/00H000, Wallonia · tallest building 12.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BERNARD LONGTAIN SPRL
since 20182.277.606.223
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63048D0317/00H000 | Wallonia | 1,223 m² | 1 · 124 m² | 12.4 m · 4 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.
Recognitions · licences · registrations
Recognised contractor
17 categoriesBERNARD LONGTAIN SRL40530
Legal Entity Identifier
2549001RJ6I0G8O4CK63
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LADOUCE ET FILS, Entreprise de construction
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Anhée · Eq €892k
JAN BORGMANS
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Turnhout · Eq €893k
WIDIMA
BE 0669.971.773
Overijse · Eq €894k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 6,875 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-06-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43990Other specialised construction activities
43995Specialised construction activities
43120Site preparation
43320Joinery installation
43410Roofing work
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.