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
Marg. BERNARD from Namur, company number BE0460935783, closed financial year 2025 with a result of € -1,692 after tax. For that financial year Marg. BERNARD recorded a gross margin of € 111,429 and equity of € 46,883. Compared with financial year 2024, the result moved from € -18,760 to € -1,692. 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 August 31, 2026.
€ 46,883
▼ 3% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -1,692
▲ 91 % less loss than in 2024
Profit after tax over the fiscal year.
€ 39,086
▲ 1% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 15,896.
People and assets in 2025
€ 102,089
▲ 2% 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.
€ 3,632
▲ 120% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 6,602
▼ 49% vs 2024
Loans from banks and other lenders, long and short.
€ 12,707
▲ 54% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 29,618
▼ 14% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 85,092 | € 131,484 | € 98,532 | € 111,429 | ▲ 13% |
| Profit after taxes | € -6,968 | € 51,240 | € -18,760 | € -1,692 | ▲ € 17,068 |
| Equity | € 16,095 | € 67,335 | € 48,575 | € 46,883 | ▼ 3% |
| Total debts | € 58,563 | € 52,980 | € 55,930 | € 49,067 | ▼ 12% |
| Cash | € 13,097 | € 51,135 | € 38,860 | € 39,086 | ▲ 1% |
| Retained profit | € -14,892 | € 36,348 | € 17,588 | € 15,896 | ▼ 10% |
| Bank debt | € 25,570 | € 19,385 | € 13,062 | € 6,602 | ▼ 49% |
| Balance sheet total | € 74,658 | € 120,315 | € 104,505 | € 95,950 | ▼ 8% |
Key figures of Marg. 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 Marg. BERNARD?
What happened at Marg. 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 € 1,692. filed late Source: NBB ↗
- Coralie Michaux became a director. NBB
- Francine Mauroy became a director. NBB
- New establishment in Namur. KBO
- Start of the company according to the CBE. KBO
In short
From € 6,968 loss in 2022 to € 1,692 loss in 2025.
Paid € 1,394 in corporate taxes since 2022.
Best year ever: 2023, with € 51,240 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
Behind Marg. BERNARD are Coralie Michaux and Francine Mauroy.
Directors
According to the 2025 annual accounts
Coralie Michaux
Director
since 2023
Francine Mauroy
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Chaussée de Waterloo(SS) 439
5002 Namur
Chaussée de Waterloo(SS) 443
5002 Namur
Active since 6 January 1998
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0460.935.783
- VAT number
- BE 0460.935.783
- Registered office
- Chaussée de Waterloo(SS) 439, 5002 Namur
- Names & denominations
- Marg. BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 June 1997
- Peppol
- Active · Active since 27 Sept 2025
- Activities · NACE
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