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 2 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2023 and 2024.
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Tight liquidity NBB
Cash and receivables cover 5 % of short-term debt in 2024; threshold 65 %.
Financials
Financial year 2024
STEPHANE BERNARD from Tournai, company number BE0465511809, closed financial year 2024 with a result of € -2,865 after tax. For that financial year STEPHANE BERNARD recorded a gross margin of € 171 and equity of € -14,705. Compared with financial year 2023, the result moved from € -21,145 to € -2,865. 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 June 5, 2025.
€ -14,705
▼ € 2,865 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,865
▲ 86 % less loss than in 2023
Profit after tax over the fiscal year.
€ 675
▲ 112% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -33,347.
Debts at end 2024
None
No bank loans on the last day of the fiscal year.
€ 1,403
▲ 76% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 716
▼ 14% vs 2023
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Gross margin | € 2,257 | € 11,568 | € -10,468 | € 171 | ▲ € 10,640 |
| Profit after taxes | € -8,450 | € 7,149 | € -21,145 | € -2,865 | ▲ € 18,280 |
| Equity | € 2,156 | € 9,306 | € -11,840 | € -14,705 | ▼ € 2,865 |
| Total debts | € 18,427 | € 23,946 | € 15,022 | € 16,941 | ▲ 13% |
| Cash | € 1,932 | € 396 | € 319 | € 675 | ▲ 112% |
| Retained profit | € -16,444 | € -9,294 | € -30,481 | € -33,347 | ▼ € 2,865 |
| Bank debt | € 3,318 | € 0 | € 0 | € 0 | |
| Balance sheet total | € 20,583 | € 33,252 | € 3,183 | € 2,236 | ▼ 30% |
Key figures of STEPHANE BERNARD, fiscal years 2021 to 2024, from the annual accounts filed with the National Bank of Belgium.The annual account for fiscal year 2025 has not been filed yet; it was expected before 31 July 2026.
What happened to STEPHANE BERNARD?
What happened at STEPHANE BERNARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2024: loss of € 2,865. Source: NBB ↗
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 8,450 loss in 2021 to € 2,865 loss in 2024.
Paid € 1,154 in corporate taxes since 2021.
Best year ever: 2022, with € 7,149 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 STEPHANE BERNARD are Rut KARASINSKA and Stéphane BERNARD.
Directors
According to the 2024 annual accounts
Rut KARASINSKA
Director
Stéphane BERNARD
Director
Establishments
Establishment units
Physical locations of this company
Rue du Mont-Saint-Aubert(K) 1
7540 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0465.511.809
- VAT number
- BE 0465.511.809
- Registered office
- Rue du Mont-Saint-Aubert(K) 1, 7540 Tournai
- Names & denominations
- STEPHANE BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 22 March 1999
- Peppol
- Active · Active since 22 Dec 2025
- Activities · NACE
Detailhandel in groenten en fruit
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Detailhandel in brood-, banketbakkerswerk en suikerwerk