Financials
Financial year 2025
ETUDES TOITURES BARDAGES from Dison, company number BE0479376473, closed financial year 2025 with a result of € 180,162 after tax. For that financial year ETUDES TOITURES BARDAGES recorded a gross margin of € 481,371 and equity of € 358,355. Compared with financial year 2024, the result moved from € 566,106 to € 180,162. The company is profitable. 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 December 16, 2025.
€ 358,355
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 180,162
▼ 68% vs 2024
Profit after tax over the fiscal year.
€ 190,238
▼ 76% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 180,000 paid out
100 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
6
▼ 0.1 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 228,402
▼ 8% vs 2024
€ 38,100 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 67,762
▼ 28% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 112,308
▼ 29% vs 2024
€ 48,041 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 121,096
▼ 25% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 13,205
▼ 2% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 577,216 | € 484,043 | € 882,931 | € 481,371 | ▼ 45% |
| Profit after taxes | € 275,849 | € 212,851 | € 566,106 | € 180,162 | ▼ 68% |
| Equity | € 359,158 | € 355,948 | € 360,102 | € 358,355 | |
| Total debts | € 987,884 | € 828,288 | € 978,527 | € 443,952 | ▼ 55% |
| Cash | € 334,169 | € 198,672 | € 808,449 | € 190,238 | ▼ 76% |
| Land & buildings | € 260,694 | € 242,348 | € 223,285 | € 208,947 | ▼ 6% |
| Retained profit | € 314,273 | € 314,290 | € 320,395 | € 320,558 | |
| Dividend | € 279,404 | € 212,835 | € 560,000 | € 180,000 | ▼ 68% |
| Bank debt | € 144,169 | € 221,170 | € 158,889 | € 112,308 | ▼ 29% |
| Balance sheet total | € 1,347,042 | € 1,184,236 | € 1,338,629 | € 802,307 | ▼ 40% |
| Employees (FTE) | 6.5 | 5.7 | 6.1 | 6 | ▼ 0.1 |
Key figures of ETUDES TOITURES BARDAGES, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 30 January 2027.
What happened to ETUDES TOITURES BARDAGES?
What happened at ETUDES TOITURES BARDAGES in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 180,162 (▼ 68% vs 2024). Source: NBB ↗
- HARDY ET FILS became a director. NBB
- BL Entreprises became a director. NBB
- P-O HOLDING became a director. NBB
- New establishment in Dison. KBO
- Start of the company according to the CBE. KBO
In short
From € 275,849 profit in 2022 to € 180,162 profit in 2025.
Paid € 4,873 in corporate taxes since 2022.
Best year ever: 2024, with € 566,106 profit.
On average € 80,200 of value added per employee in 2025.
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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 ETUDES TOITURES BARDAGES are P-O HOLDING, HARDY ET FILS and BL Entreprises. The shares are held by P-O HOLDING, Samuel HARDY and Bernard LEHAEN.
Directors
According to the 2025 annual accounts
Director · represented by Pierre-Olivier LEHAEN
Also active at: C.G.L. CONSULT, LMC Wellness, Bati4Life, GHL IMMOBILIER
since 2012
Director · represented by Samuel HARDY
since 2021
Director · represented by Bernard LEHAEN
since 2020
Shareholders
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Place Communale 7
4821 Dison
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 3 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
- 0479.376.473
- VAT number
- BE 0479.376.473
- Registered office
- Place Communale 7, 4821 Dison
- Names & denominations
- ETUDES TOITURES BARDAGES · E.T.B.
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 January 2003
- Peppol
- Active · Active since 27 May 2025
- Activities · NACE
Dakwerkzaamheden
Dakbedekking en bouw van dakconstructies
Installatie van isolatie
Isolatiewerkzaamheden