Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 9 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Bernadette & Patricia from Ramillies, company number BE0563589301, closed financial year 2025 with a result of € 45,753 after tax. For that financial year Bernadette & Patricia recorded a gross margin of € 106,103 and equity of € 64,346. Compared with financial year 2024, the result moved from € 49,550 to € 45,753. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 7, 2026.
€ 64,346
▲ 246% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 45,753
▼ 8% vs 2024
Profit after tax over the fiscal year.
€ 7,376
▲ € 7,235 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 45,746.
Debts at end 2025
€ 334,784
▼ 8% vs 2024
€ 29,232 is repaid this year. At this pace the long-term loan is gone in ≈ 11 years.
€ 400
▼ 82% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 16,652
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 34,653 | € 39,479 | € 88,743 | € 106,103 | ▲ 20% |
| Profit after taxes | € 1,084 | € 6,213 | € 49,550 | € 45,753 | ▼ 8% |
| Equity | € -37,170 | € -30,957 | € 18,593 | € 64,346 | ▲ 246% |
| Total debts | € 530,977 | € 499,942 | € 533,187 | € 461,017 | ▼ 14% |
| Cash | € 1,325 | € 1,773 | € 141 | € 7,376 | ▲ € 7,235 |
| Land & buildings | € 215,325 | € 208,575 | € 201,825 | € 195,075 | ▼ 3% |
| Retained profit | € -55,770 | € -49,557 | € -7 | € 45,746 | ▲ € 45,753 |
| Bank debt | € 298,869 | € 276,531 | € 363,274 | € 334,784 | ▼ 8% |
| Balance sheet total | € 493,806 | € 468,984 | € 551,779 | € 525,363 | ▼ 5% |
Key figures of Bernadette & Patricia, 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 Bernadette & Patricia?
What happened at Bernadette & Patricia in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 45,753 (▼ 8% vs 2024). filed late Source: NBB ↗
- New establishment in Ramillies. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,084 profit in 2022 to € 45,753 profit in 2025.
Paid € 16,652 in corporate taxes since 2022.
Best year ever: 2024, with € 49,550 profit.
A new publication or filing at Bernadette & Patricia? We notify you, reason included.
Follow Bernadette & PatriciaDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 Bernadette & Patricia are Patricia Delveaux and Bernadette Delveaux.
Directors
According to the 2025 annual accounts
Patricia Delveaux
Administrator-manager
Bernadette Delveaux
Administrator-manager
Establishments
Establishment units
Physical locations of this company
Rue de la Gare d'Autre-Eglise 3
1367 Ramillies
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 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
- 0563.589.301
- VAT number
- BE 0563.589.301
- Registered office
- Rue de la Gare d'Autre-Eglise 3, 1367 Ramillies
- Names & denominations
- Bernadette & Patricia
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 October 2014
- Peppol
- Active · Active since 6 Feb 2026
- Activities · NACE
Handel in eigen onroerend goed
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen