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 37 % of short-term debt in 2024; threshold 65 %.
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Legal situation KBO
Opening faillissement according to the CBE.
Financials
Financial year 2024
Bougard & Bernard Construct from Andenne, company number BE0729939747, closed financial year 2024 with a result of € -135,938 after tax. For that financial year Bougard & Bernard Construct recorded revenue of € 1.9 million and equity of € -271,948. Compared with financial year 2023, the result moved from € -284,674 to € -135,938. 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 December 16, 2025.
€ -271,948
▼ € 135,938 vs 2023
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -135,938
▲ 52 % less loss than in 2023
Profit after tax over the fiscal year.
€ 42,046
▼ 67% vs 2023
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -291,948.
People and assets in 2024
€ 145,682
▼ 42% vs 2023
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 15,372
▼ 49% vs 2023
Of which on lease € 1,969.
Debts at end 2024
€ 160,396
▼ 8% vs 2023
€ 5,241 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 319,540
▲ 9% vs 2023
Supplier invoices still open on the last day of the fiscal year.
€ 9,492
▼ 83% vs 2023
Wages, holiday pay and social contributions still to pay. No outstanding taxes.
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| 2021 | 2022 | 2023 | 2024 | Change 2023 → 2024 | |
|---|---|---|---|---|---|
| Revenue | € 1,040,796 | € 2,278,332 | € 2,710,136 | € 1,903,908 | ▼ 30% |
| Gross margin | € 269,071 | € 428,135 | € 8,890 | € 64,607 | ▲ € 55,717 |
| Profit after taxes | € 37,962 | € 88,226 | € -284,674 | € -135,938 | ▲ € 148,736 |
| Equity | € 78,188 | € 148,664 | € -136,010 | € -271,948 | ▼ € 135,938 |
| Total debts | € 275,887 | € 319,922 | € 560,005 | € 513,659 | ▼ 8% |
| Cash | € 44,955 | € 51,060 | € 126,667 | € 42,046 | ▼ 67% |
| Retained profit | € 58,188 | € 128,664 | € -156,010 | € -291,948 | ▼ € 135,938 |
| Dividend | € 9,500 | € 17,750 | € 0 | € 0 | |
| Bank debt | € 146,569 | € 39,777 | € 174,887 | € 160,396 | ▼ 8% |
| Balance sheet total | € 354,075 | € 468,586 | € 423,995 | € 241,711 | ▼ 43% |
| Employees (FTE) | - | - | 6.6 | - |
Key figures of Bougard & Bernard Construct, 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 Bougard & Bernard Construct?
What happened at Bougard & Bernard Construct in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
Bougard & Bernard Construct is active according to the CBE. Legal situation: Opening faillissement.
- New annual accounts for financial year 2024: loss of € 135,938. filed late Source: NBB ↗
- New establishment in Andenne. KBO
- Start of the company according to the CBE. KBO
In short
From € 37,962 profit in 2021 to € 135,938 loss in 2024.
Paid € 33,280 in corporate taxes since 2021.
Best year ever: 2022, with € 88,226 profit.
On average € 1,300 of value added per employee in 2023.
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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 Bougard & Bernard Construct are Samuel BOUGARD and François BERNARD. Samuel BOUGARD is also behind Bougard Samuel Chauffage.
Directors
According to the 2024 annual accounts
François BERNARD
Director
Establishments
Establishment units
Physical locations of this company
Chaussée Moncheur 12
5300 Andenne
Rue de Perwez 36
5300 Andenne
Active since 9 July 2019
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
- 0729.939.747
- VAT number
- BE 0729.939.747
- Registered office
- Chaussée Moncheur 12, 5300 Andenne
- Names & denominations
- Bougard & Bernard Construct
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Opening faillissement
- Start date
- 9 July 2019
- Peppol
- Active · Active since 31 Dec 2025
- Activities · NACE
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