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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Tight liquidity NBB
Cash and receivables cover 60 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
JF Bernard & Co from Chaudfontaine, company number BE0662497627, closed financial year 2025 with a result of € 102,571 after tax. For that financial year JF Bernard & Co recorded a gross margin of € 144,998 and equity of € 23,779. Compared with financial year 2024, the result moved from € 89,089 to € 102,571. Profitable, and profit is growing. 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 March 4, 2026.
€ 23,779
▲ 12% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 102,571
▲ 15% vs 2024
Profit after tax over the fiscal year.
€ 53,561
▲ € 52,718 vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 100,000 paid out
97 % of the profit went to the shareholders, the rest stayed in the company.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 780
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 28,699
▼ 32% vs 2024
€ 13,665 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 4,214
▲ 5% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 21,207
▼ 3% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 101,043 | € 126,470 | € 127,511 | € 144,998 | ▲ 14% |
| Profit after taxes | € 70,262 | € 89,439 | € 89,089 | € 102,571 | ▲ 15% |
| Equity | € 20,681 | € 21,120 | € 21,209 | € 23,779 | ▲ 12% |
| Total debts | € 211,225 | € 230,150 | € 190,262 | € 244,341 | ▲ 28% |
| Cash | € 84,199 | € 15,351 | € 843 | € 53,561 | ▲ € 52,718 |
| Land & buildings | € 118,939 | € 123,803 | € 123,541 | € 116,834 | ▼ 5% |
| Retained profit | € 2,081 | € 2,520 | € 2,609 | € 5,179 | ▲ 99% |
| Dividend | € 71,000 | € 89,000 | € 89,000 | € 100,000 | ▲ 12% |
| Bank debt | € 68,496 | € 55,427 | € 42,163 | € 28,699 | ▼ 32% |
| Balance sheet total | € 231,906 | € 251,270 | € 211,471 | € 268,120 | ▲ 27% |
Key figures of JF Bernard & Co, 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 JF Bernard & Co?
What happened at JF Bernard & Co in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 102,571 (▲ 15% vs 2024). Source: NBB ↗
- New establishment in Liège. KBO
- Jean-François BERNARD became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 70,262 profit in 2022 to € 102,571 profit in 2025.
Paid € 97,448 in corporate taxes since 2022.
Best year ever: 2025, with € 102,571 profit.
Paid out € 349,000 in dividends to the owners in total.
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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 JF Bernard & Co is Jean-François BERNARD. Jean-François BERNARD is also behind BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES.
Directors
According to the 2025 annual accounts
since 2016
Establishments
Establishment units
Physical locations of this company
Chemin du Tarbois 36
4052 Chaudfontaine
Quai de Longdoz 36 box 41
4020 Liège
Active since 1 October 2016
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
- 0662.497.627
- VAT number
- BE 0662.497.627
- Registered office
- Chemin du Tarbois 36, 4052 Chaudfontaine
- Names & denominations
- JF Bernard & Co
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 September 2016
- Peppol
- Active · Active since 6 Mar 2026
- Activities · NACE
Activiteiten van bedrijfsrevisoren