STAFF Bernard
ActiveSTAFF Bernard has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €30k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 30% of 12637 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
89
/ 100
Excellent▲ +11 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency61▼-14
Growth58=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.5 in 2024), and 66.2% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
33.8%
Return on assets
48.6%
Age of the figures
9 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 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
58 d late
2023
60 d late
2022
56 d late
2021
76 d late
2020
88 d late
2019
7 d early
← 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
16-09-2026 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
€30k▲ 63.1%
2024 · €18k
2018: €10k
2019: €7k
2020: €22k
2021: €22k
2022: €17k
2023: €24k
2024: €18k
2018 → 2025
Working capital
€15k▲ 2.8%
2024 · €15k
2018: €33k
2019: €9k
2020: €7k
2021: €10k
2022: €23k
2023: €23k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€31k▼ 8.5%€30k▼ 2.6%€21k▼ 30.4%€21k=
Operating result€31k-€26k▼ 15.8%€35k▲ 35.0%€28k▼ 20.3%€43k▲ 53.3%
Net result€22k-€17k▼ 21.2%€24k▲ 38.2%€18k▼ 22.3%€30k▲ 63.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 53% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€6k▼ 6.4%
Current assets
€56k▲ 27.3%
Equity and liabilities €62k
Equity
€21k=
Debt
€41k▲ 39.6%
The debt ratio rises from 58.4% to 66.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€44k▲
2024 · €30k
Cash flow
€31k▲
2024 · €20k
Solvency
33.8%▼
2024 · 41.6%
Current ratio
1.37▼
2024 · 1.50
Quick ratio
1.37▼
2024 · 1.50
Debt / equity
1.96▲
2024 · 1.40
ROE
143.7%▲
2024 · 88.1%
ROA
48.6%▲
2024 · 36.7%
Interest coverage
90.36▲
2024 · 48.30
Debt
€41k▲
2024 · €29k
Debt ≤ 1 year
€41k▲
2024 · €29k
Income taxes
€13k▲
2024 · €9k
Staff costs
€4k▼
2024 · €7k
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€50k€62k▲
Fixed assets21/28€6k€6k▼
Intangible fixed assets21€22€0▼
Tangible fixed assets22/27€6k€6k▼
Furniture and vehicles24€2k€3k▲
Other tangible fixed assets26€4k€3k▼
Current assets29/58€44k€56k▲
Amounts receivable within one year40/41€15k€19k▲
Trade receivables40€11k€10k▼
Other amounts receivable41€5k€9k▲
Cash at bank and in hand54/58€29k€37k▲
Deferred charges and accrued income490/1-€307
Equity and liabilities
Total equity and liabilities10/49€50k€62k▲
Equity10/15€21k€21k=
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€0-
Profit (loss) carried forward14€277€283▲
Amounts payable17/49€29k€41k▲
Amounts payable within one year42/48€29k€41k▲
Trade debts44€424€88▼
Suppliers440/4€424€88▼
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Other amounts payable47/48€19k€30k▲
Income statement
Code20242025
Remuneration, social security and pensions62€7k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€38k€50k▲
Operating profit (loss)9901€28k€43k▲
Financial charges65/66B€623€492▼
Recurring financial charges65€623€492▼
Profit (loss) for the period before taxes9903€28k€43k▲
Income taxes67/77€9k€13k▲
Profit (loss) for the period9904€18k€30k▲
Profit (loss) for the period to be appropriated9905€18k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€19k€30k▲
Profit (loss) brought forward from the previous period14P€377€277▼
Transfer from equity791/2€9k-
Profit to be distributed694/7€28k€30k▲
Return on contributions (dividend)694€28k€30k▲
The notes to these accounts (8 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €30k ▲63.1%
Operating result €43k, net result €30k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 60 days late
2023
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 56 days late
2022
15-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 76 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 88 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼30.5%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 212 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, La Hulpe · 1 establishment unit since 2013
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.
Avenue des Bleuets 61310 La HulpeGround area
848 m²
Building footprint
104 m²
Volume, LiDAR
779 m³
Parcel 25050A0050/00L003, Wallonia · tallest building 9.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STAFF BERNARD
since 20132.224.340.355
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25050A0050/00L003 | Wallonia | 848 m² | 1 · 104 m² | 9.2 m · 3 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 12,122 companies in sector 69201 we hold annual accounts for 7,600. 4,464 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2013
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.