Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 31 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Immobilière Bernard from Havelange, company number BE0421312075, closed financial year 2025 with a result of € 297,583 after tax. For that financial year Immobilière Bernard recorded a gross margin of € 716,667 and equity of € 194,528. Compared with financial year 2024, the result moved from € -38,224 to € 297,583. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 28, 2026.
€ 194,528
▲ € 297,583 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 297,583
▲ still € 38,224 loss in 2024
Profit after tax over the fiscal year.
€ 46,306
▲ 217% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 125,118.
Debts at end 2025
€ 3.8 million
▼ 4% vs 2024
Loans from banks and other lenders, long and short.
€ 217
▼ 99% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 148,408 | € 209,908 | € 250,152 | € 716,667 | ▲ 186% |
| Profit after taxes | € -92,043 | € -68,662 | € -38,224 | € 297,583 | ▲ € 335,807 |
| Equity | € 3,832 | € -64,830 | € -103,054 | € 194,528 | ▲ € 297,583 |
| Total debts | € 4,173,835 | € 4,352,567 | € 4,434,975 | € 3,975,289 | ▼ 10% |
| Cash | € 310,972 | € 8,058 | € 14,606 | € 46,306 | ▲ 217% |
| Land & buildings | € 1,625,959 | € 1,573,620 | € 1,521,280 | € 1,462,515 | ▼ 4% |
| Retained profit | € -65,578 | € -134,240 | € -172,464 | € 125,118 | ▲ € 297,583 |
| Bank debt | € 3,694,600 | € 3,750,000 | € 3,891,672 | € 3,750,000 | ▼ 4% |
| Balance sheet total | € 4,195,500 | € 4,304,454 | € 4,347,521 | € 4,281,283 | ▼ 2% |
Key figures of Immobilière 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 Immobilière Bernard?
What happened at Immobilière Bernard in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 297,583. Source: NBB ↗
- VINCENT FRANCOIS became a director. NBB
- PATRICIA DE FRANCQUEN became a director. NBB
- New establishment in Havelange. KBO
- Start of the company according to the CBE. KBO
In short
From € 92,043 loss in 2022 to € 297,583 profit in 2025.
Best year ever: 2025, with € 297,583 profit.
A new publication or filing at Immobilière Bernard? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of FRANCOIS DE FRANCQUEN INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
Immobilière BernardBehind Immobilière Bernard are PATRICIA DE FRANCQUEN and VINCENT FRANCOIS. The shares are held by FRANCOIS DE FRANCQUEN INVEST (100%).
Directors
According to the 2025 annual accounts
since 2019
since 2021
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Pélerin(F) 2
5370 Havelange
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0421.312.075
- VAT number
- BE 0421.312.075
- Registered office
- Pélerin(F) 2, 5370 Havelange
- Names & denominations
- Immobilière Bernard
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 December 1980
- Peppol
- Active · Active since 22 Sept 2025
- Activities · NACE
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