Crèche Aline Bernard
ActiveCrèche Aline Bernard has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €372k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 53% of 518 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
70
/ 100
Healthy▼ -24 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-3
Solvency97▼-3
Growth52=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 9.2 against 8.58 in 2024), but 54.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
21 d late
2023
6 d early
2022
13 d early
2021
30 d late
2020
3 d early
2019
32 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €3k
2018: €12k
2019: €57k
2020: €9k
2021: €11k
2022: €1k
2023: €2k
2024: €3k
2018 → 2025
Working capital
€721k▲ 10.6%
2024 · €652k
2018: €282k
2019: €344k
2020: €362k
2021: €437k
2022: €484k
2023: €550k
2024: €652k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€371k▲ 0.4%€373k▲ 0.5%€375k▲ 0.7%€372k▼ 0.9%
Operating result€11k-€2k▼ 83.3%€2k▲ 14.1%€3k▲ 41.0%€-3k
Net result€11k-€1k▼ 88.0%€2k▲ 30.1%€3k▲ 52.8%€-3k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €3k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €815k
Fixed assets
€6k▼ 26.2%
Current assets
€809k▲ 9.6%
Equity and liabilities €815k
Equity
€372k▼ 0.9%
Provisions
€355k▲ 24.6%
Debt
€88k▲ 2.2%
The debt ratio falls from 11.5% to 10.8%.
Key figures and ratios
EBITDA
€2k▼
2024 · €8k
Cash flow
€2k▼
2024 · €7k
Solvency
45.6%▼
2024 · 50.3%
Current ratio
9.20▲
2024 · 8.58
Quick ratio
9.20▲
2024 · 8.58
Debt / equity
0.24▲
2024 · 0.23
ROE
-0.9%▼
2024 · 0.7%
ROA
-0.4%▼
2024 · 0.3%
Interest coverage
3.50▼
2024 · 16.42
Debt
€88k▲
2024 · €86k
Debt ≤ 1 year
€88k▲
2024 · €86k
Staff costs
€940k▲
2024 · €923k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€746k€815k▲
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€739k€809k▲
Amounts receivable within one year40/41€33k€34k▲
Trade receivables40€33k€34k▲
Cash at bank and in hand54/58€706k€775k▲
Deferred charges and accrued income490/1€45€47▲
Equity and liabilities
Total equity and liabilities10/49€746k€815k▲
Equity10/15€375k€372k▼
Contributions10/11€237k€237k=
Capital10€237k€237k=
Profit (loss) carried forward14€138k€135k▼
Provisions and deferred taxes16€285k€355k▲
Provisions for liabilities and charges160/5€285k€355k▲
Major repairs and maintenance162€160k€230k▲
Other liabilities and charges164/5€125k€125k=
Amounts payable17/49€86k€88k▲
Amounts payable within one year42/48€86k€88k▲
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Taxes, remuneration and social security45€80k€78k▼
Remuneration and social security454/9€80k€78k▼
Income statement
Code20242025
Remuneration, social security and pensions62€923k€940k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Gross operating margin9900€1.03M€1.01M▼
Operating profit (loss)9901€3k€-3k▼
Financial charges65/66B€478€678▲
Recurring financial charges65€478€678▲
Profit (loss) for the period before taxes9903€3k€-3k▼
Profit (loss) for the period9904€3k€-3k▼
Profit (loss) for the period to be appropriated9905€3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€138k€135k▼
Profit (loss) brought forward from the previous period14P€135k€138k▲
The notes to these accounts (5 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
14-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director reappointment · Director appointment11 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director reappointment · Director appointment11 facts ▸
- General meeting, 25/06/2026
- Director reappointment, LAMBINON Eric (Administrateur)
- Director appointment, PICARD Camille (Délégué à la gestion journalière)
- Director appointment, DEHOSSAY Gérard (Président)
- Director appointment, BAUDOIN Jean-Mary (Administrateur)
- Director appointment, BERTHOLET Ingrid (Administrateur)
- Director appointment, DUMAY Christine (Administrateur)
- Director appointment, LAMOTTE Nadège (Administrateur)
- Director appointment, LAYS Arnaud (Administrateur)
- Director appointment, LEITZ Chantal (Administrateur)
- Director appointment, TOUSSAINT Sandrine (Administrateur)
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼223%
Net result drops to €-3k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 32 days late
2019
31-12
Financial
Highest result since 2018net €57k ▲357%
Operating result €57k, net result €57k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 19 acts read
About the unread acts
Of the 19 Belgian State Gazette acts we know for this company, 1 has been read. The other 18 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
under verification, last change in 2026
This board is reconstructed from a single act (26104903). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
BAUDOIN Jean-Mary
CurrentDirector · since 14-08-2026
BERTHOLET Ingrid
CurrentDirector · since 14-08-2026
DEHOSSAY Gérard
CurrentChair · since 14-08-2026
DUMAY Christine
CurrentDirector · since 14-08-2026
LAMOTTE Nadège
CurrentDirector · since 14-08-2026
LAYS Arnaud
CurrentDirector · since 14-08-2026
+ 4 not shown in this overview
14-08-2026
BAUDOIN Jean-Mary: Appointed as Director
14-08-2026
BERTHOLET Ingrid: Appointed as Director
14-08-2026
DEHOSSAY Gérard: Appointed as Chair
14-08-2026
DUMAY Christine: Appointed as Director
14-08-2026
LAMOTTE Nadège: Appointed as Director
14-08-2026
LAYS Arnaud: Appointed as Director
14-08-2026
LEITZ Chantal: Appointed as Director
14-08-2026
PICARD Camille: Appointed as Daily management delegate
14-08-2026
TOUSSAINT Sandrine: Appointed as Director
Not every act has been read: a resignation may be missing here
18 of this company's 19 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Libramont-Chevigny · 1 establishment unit since 1990
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.
Libramont,Rue de la Fontaine 26800 Libramont-Chevigny1 establishment unit
Crèche Aline Bernard
since 19902.161.838.901
Similar companies · same sector, comparable size
Kinderdagverblijf De Rakkers
BE 0877.374.995
Kortenberg · Eq €370k
Les Cigalons
BE 0422.617.914
Ottignies-Louvain-la-Neuve · Eq €375k
Bébé-Noukys
BE 0639.799.330
Ukkel · Eq €375k
La Crèche de Lauzelle
BE 0420.987.225
Ottignies-Louvain-la-Neuve · Eq €377k
DROMMELS
BE 0542.822.490
Pittem · Eq €366k
Of 1,584 companies in sector 88911 we hold annual accounts for 701. 513 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded15-11-1990
Fiscal year end31-12
Activities, NACEBEL
85321
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 20 filings
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.