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 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 56 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Bear Effects from Sint-Truiden, company number BE0679625550, closed financial year 2025 with a result of € -11,897 after tax. For that financial year Bear Effects recorded a gross margin of € -7,878 and equity of € -24,021. Compared with financial year 2024, the result moved from € -41,422 to € -11,897. 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 August 31, 2026.
€ -24,021
▼ € 11,897 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -11,897
▲ 71 % less loss than in 2024
Profit after tax over the fiscal year.
€ 1,305
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -44,021.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 3,674
▼ 55% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 30,000
€ 11,487 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 10,293
▲ 125% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 7,371
▲ 1% 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 | € -1,202 | € 25,222 | € -31,982 | € -7,878 | ▲ € 24,105 |
| Profit after taxes | € -1,356 | € 17,302 | € -41,422 | € -11,897 | ▲ € 29,525 |
| Equity | € 11,996 | € 29,298 | € -12,124 | € -24,021 | ▼ € 11,897 |
| Total debts | € 848 | € 20,961 | € 42,584 | € 53,192 | ▲ 25% |
| Cash | € 12,844 | € 34,463 | € 2,839 | € 1,305 | ▼ 54% |
| Retained profit | € -8,004 | € 9,298 | € -32,124 | € -44,021 | ▼ € 11,897 |
| Bank debt | € 0 | € 0 | € 30,000 | € 30,000 | |
| Balance sheet total | € 12,844 | € 50,259 | € 30,460 | € 29,171 | ▼ 4% |
Key figures of Bear Effects, 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 Bear Effects?
What happened at Bear Effects in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 11,897. filed late Source: NBB ↗
- Ward Maria Bessemans became a director. NBB
- New establishment in Hasselt. KBO
- Start of the company according to the CBE. KBO
In short
From € 1,356 loss in 2022 to € 11,897 loss in 2025.
Paid € 7,543 in corporate taxes since 2022.
Best year ever: 2023, with € 17,302 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 Bear Effects is Ward Maria Bessemans.
Directors
According to the 2025 annual accounts
Ward Maria Bessemans
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Prins Albertlaan 59 box 501
3800 Sint-Truiden
Thonissenlaan 56A
3500 Hasselt
Active since 7 August 2017
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
- 0679.625.550
- VAT number
- BE 0679.625.550
- Registered office
- Prins Albertlaan 59 bus 501, 3800 Sint-Truiden
- Names & denominations
- Bear Effects
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 7 August 2017
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
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