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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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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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 23 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
SAINT BERNARD from Sint-Gillis (bij-Brussel), company number BE0453241111, closed financial year 2025 with a result of € -1,730 after tax. For that financial year SAINT BERNARD recorded a gross margin of € 1,725 and equity of € -32,344. Compared with financial year 2024, the result moved from € -649 to € -1,730. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on May 12, 2026.
€ -32,344
▼ € 1,730 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,730
▼ 167 % more loss than in 2024
Profit after tax over the fiscal year.
Loss, nothing to pay out
Reserves fell to € -94,344.
People and assets in 2025
€ 929
▼ 33% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 19,245
▼ 1% vs 2024
Loans from banks and other lenders, long and short.
€ 36,074
Supplier invoices still open on the last day of the fiscal year.
€ 9,000
▼ 72% vs 2024
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 18,708 | € 15,711 | € 2,750 | € 1,725 | ▼ 37% |
| Profit after taxes | € 15,292 | € 12,564 | € -649 | € -1,730 | ▼ € 1,081 |
| Equity | € -42,528 | € -29,964 | € -30,613 | € -32,344 | ▼ € 1,730 |
| Total debts | € 79,557 | € 138,691 | € 96,525 | € 80,495 | ▼ 17% |
| Retained profit | € -104,528 | € -91,964 | € -92,613 | € -94,344 | ▼ € 1,730 |
| Bank debt | € 19,585 | € 19,427 | € 19,431 | € 19,245 | ▼ 1% |
| Balance sheet total | € 37,029 | € 108,727 | € 65,912 | € 48,151 | ▼ 27% |
Key figures of SAINT 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 SAINT BERNARD?
What happened at SAINT BERNARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- CHARL INVEST SA stepped down as director. NBB
- Carine THIRY stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 1,730. Source: NBB ↗
- CHARL INVEST SA became a director. NBB
- Carine THIRY became a director. NBB
- New establishment in Sint-Gillis (bij-Brussel). KBO
- Start of the company according to the CBE. KBO
In short
From € 15,292 profit in 2022 to € 1,730 loss in 2025.
Best year ever: 2022, with € 15,292 profit.
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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 CHARL INVEST comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
SAINT BERNARDThe shares are held by CHARL INVEST (99.3%).
Directors
According to the 2025 annual accounts
Managing director · represented by Yvan POLUS
Also active at: TIMBER TRADING AND CONSULTING
since 2022 · until 2028
since 2022 · until 2028
Shareholders
99.3%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Arthur Diderichstraat 47
1060 Sint-Gillis (bij-Brussel)
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 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
- 0453.241.111
- VAT number
- BE 0453.241.111
- Registered office
- Arthur Diderichstraat 47, 1060 Sint-Gillis (bij-Brussel)
- Names & denominations
- SAINT BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 4 August 1994
- Peppol
- Active · Active since 30 Dec 2025
- Activities · NACE
Overige gespecialiseerde bouwactiviteiten, neg
Overige gespecialiseerde werkzaamheden in de bouw
Overige gespecialiseerde bouwwerkzaamheden