Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 4 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
G. et H. BERNARD from Oudergem, company number BE0403486940, closed financial year 2025 with a result of € -16,694 after tax. For that financial year G. et H. BERNARD recorded revenue of € 49,508 and equity of € 77,264. Compared with financial year 2024, the result moved from € -11,678 to € -16,694. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 30, 2026.
€ 77,264
▼ 18% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -16,694
▼ 43 % more loss than in 2024
Profit after tax over the fiscal year.
€ 11,148
▼ 11% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -220,736.
People and assets in 2025
€ 400
▲ 3% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 736,560
▼ 3% vs 2024
Of which on lease € 736,560.
Debts at end 2025
€ 364,187
Loans from banks and other lenders, long and short.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Revenue | € 46,972 | € 47,186 | € 47,811 | € 49,508 | ▲ 4% |
| Gross margin | € 39,575 | € 42,104 | € 44,588 | € 39,739 | ▼ 11% |
| Profit after taxes | € -20,202 | € -15,045 | € -11,678 | € -16,694 | ▼ € 5,016 |
| Equity | € 120,682 | € 105,637 | € 93,958 | € 77,264 | ▼ 18% |
| Total debts | € 361,698 | € 362,350 | € 363,390 | € 364,187 | |
| Cash | € 8,100 | € 8,632 | € 12,520 | € 11,148 | ▼ 11% |
| Land & buildings | € 13,176 | € 10,880 | € 8,704 | € 6,528 | ▼ 25% |
| Retained profit | € -177,318 | € -192,363 | € -204,042 | € -220,736 | ▼ € 16,694 |
| Bank debt | € 361,698 | € 362,350 | € 363,390 | € 364,187 | |
| Balance sheet total | € 824,796 | € 800,712 | € 780,104 | € 754,236 | ▼ 3% |
Key figures of G. et H. BERNARD, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to G. et H. BERNARD?
What happened at G. et H. BERNARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 16,694. Source: NBB ↗
- Start of the company according to the CBE. KBO
- New establishment in Etterbeek. KBO
In short
From € 20,202 loss in 2022 to € 16,694 loss in 2025.
Establishments
Establishment units
Physical locations of this company
Tinklaan 25
1160 Oudergem
Veldstraat 64
1040 Etterbeek
Active since 1 January 1928
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0403.486.940
- VAT number
- BE 0403.486.940
- Registered office
- Tinklaan 25, 1160 Oudergem
- Names & denominations
- G. et H. BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 17 January 1928
- Peppol
- Active · Active since 21 Oct 2026