Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
Financials
Financial year 2025
COBERNA from Brasschaat, company number BE0444675516, closed financial year 2025 with a result of € -281,993 after tax. For that financial year COBERNA recorded a gross margin of € 4.5 million and equity of € 99.1 million. Compared with financial year 2024, the result moved from € -345,319 to € -281,993. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 8, 2026.
€ 99.1 million
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -281,993
▲ 18 % less loss than in 2024
Profit after tax over the fiscal year.
€ 564,907
▼ 33% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 2.1 million.
Debts at end 2025
€ 32.8 million
▼ 3% vs 2024
€ 843,232 is repaid this year. At this pace the long-term loan is gone in ≈ 39 years.
€ 658,315
▼ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 74,807
▼ 22% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 3,088,071 | € 3,212,324 | € 3,298,323 | € 4,490,965 | ▲ 36% |
| Profit after taxes | € -3,510,145 | € 109,727 | € -345,319 | € -281,993 | ▲ € 63,326 |
| Equity | € 70,390,798 | € 70,500,524 | € 99,355,769 | € 99,073,775 | |
| Total debts | € 41,587,540 | € 40,533,052 | € 46,646,177 | € 35,530,859 | ▼ 24% |
| Cash | € 584,725 | € 1,476,721 | € 847,027 | € 564,907 | ▼ 33% |
| Land & buildings | € 67,579,409 | € 64,625,653 | € 61,674,653 | € 58,723,654 | ▼ 5% |
| Retained profit | € 13,667,775 | € 15,931,793 | € 244,902 | € 2,114,218 | ▲ € 1.9 million |
| Dividend | € 0 | € 0 | € 17,492,781 | € 0 | ▼ 100% |
| Bank debt | € 35,440,429 | € 34,525,686 | € 33,682,454 | € 32,839,221 | ▼ 3% |
| Balance sheet total | € 114,114,957 | € 113,054,196 | € 147,479,945 | € 135,509,024 | ▼ 8% |
Key figures of COBERNA, 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 COBERNA?
What happened at COBERNA in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Stephan Bernaerts stepped down as director. NBB
- Ilse Bernaerts stepped down as director. NBB
- Brasschaat Financial Holding NV stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 281,993. Source: NBB ↗
- Stephan Bernaerts became a director. NBB
- Ilse Bernaerts became a director. NBB
- Brasschaat Financial Holding NV became a director. NBB
- New establishment in Mechelen. KBO
In short
From € 3.5 million loss in 2022 to € 281,993 loss in 2025.
Paid € 1.6 million in corporate taxes since 2022.
Best year ever: 2023, with € 109,727 profit.
Paid out € 17.5 million in dividends to the owners in total.
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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 shares are held by Brass 2 (100%). It owns Antwerp South Logistics itself.
Directors
According to the 2025 annual accounts
Stephan Bernaerts
Persoon belast met dagelijks bestuur
Also active at: IMMO SINT JOZEF, DE WILLE, IMOBE, VAARTKAAI, Brass 1, Brass 2, ANTWERP SOUTH LOGISTICS DEVELOPMENT, Brass 3 +4 more
since 2024 · until 2030
Ilse Bernaerts
Persoon belast met dagelijks bestuur
Also active at: IMMO SINT JOZEF, DE WILLE, IMOBE, VAARTKAAI, Brass 1, Brass 2, ANTWERP SOUTH LOGISTICS DEVELOPMENT, Brass 3 +5 more
since 2024 · until 2030
Brasschaat Financial Holding NV
Director · represented by Vera Cox
Also active at: DE WILLE, IMOBE, VAARTKAAI, Brass 1, Brass 2, ANTWERP SOUTH LOGISTICS DEVELOPMENT, Brass 3, ISVG +2 more
since 2024 · until 2030
Shareholders
100%
Participations
Establishments
Establishment units
Physical locations of this company
Bisschoppenhoflei 20
2930 Brasschaat
Egide Walschaertsstraat 15
2800 Mechelen
Active since 25 July 1991
Bedrijvenlaan 1-13
2800 Mechelen
Active since 1 January 2019
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 6 companies are registered at this address.
All companies at this address →IMMO SINT JOZEF same network
€ 84,164 gross margin · 2025
IMOBE same network
€ 4.8 million gross margin · 2025
VAARTKAAI same network
€ 927,015 gross margin · 2025
Antwerp South Logistics same network
€ 4.5 million gross margin · 2025
BRASSCHAAT FINANCIAL HOLDING same network
€ 1.7 million revenue · 2025
+1 more
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0444.675.516
- VAT number
- BE 0444.675.516
- Registered office
- Bisschoppenhoflei 20, 2930 Brasschaat
- Names & denominations
- COBERNA
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 July 1991
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- [email protected]
- Activities · NACE
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