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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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 0 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BERNARD from Brugge, company number BE0788695914, closed financial year 2025 with a result of € -20,607 after tax. For that financial year BERNARD recorded a gross margin of € -9,465 and equity of € 87,636. Compared with financial year 2024, the result moved from € -11,761 to € -20,607. The company made a loss. The company holds a healthy buffer. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on January 28, 2026.
€ 87,636
▼ 19% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -20,607
▼ 75 % more loss than in 2024
Profit after tax over the fiscal year.
€ 3,198
▲ 29% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -37,364.
Debts at end 2025
€ 2.3 million
▲ 4% vs 2024
Loans from banks and other lenders, long and short.
€ 1,228
▲ € 1,054 vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|
| Gross margin | € -3,756 | € -4,007 | € -9,465 | ▼ € 5,458 |
| Profit after taxes | € -4,995 | € -11,761 | € -20,607 | ▼ € 8,846 |
| Equity | € 120,005 | € 108,244 | € 87,636 | ▼ 19% |
| Total debts | € 1,919,039 | € 2,185,076 | € 2,287,461 | ▲ 5% |
| Cash | € 25,335 | € 2,485 | € 3,198 | ▲ 29% |
| Land & buildings | € 1,881,468 | € 0 | - | |
| Retained profit | € -4,995 | € -16,756 | € -37,364 | ▼ € 20,607 |
| Bank debt | € 1,846,800 | € 2,181,300 | € 2,278,800 | ▲ 4% |
| Balance sheet total | € 2,039,044 | € 2,293,320 | € 2,375,097 | ▲ 4% |
Key figures of BERNARD, fiscal years 2023 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 BERNARD?
What happened at BERNARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 20,607. Source: NBB ↗
- New establishment in Brugge. KBO
- Start of the company according to the CBE. KBO
- Starius became a director. NBB
- Laura Seys became a director. NBB
In short
From € 4,995 loss in 2023 to € 20,607 loss in 2025.
Management
The stake of STARIUS comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BERNARDBehind BERNARD are Starius and Laura Seys. The shares are held by STARIUS (100%).
Establishments
Establishment units
Physical locations of this company
Predikherenrei 23
8000 Brugge
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0788.695.914
- VAT number
- BE 0788.695.914
- Registered office
- Predikherenrei 23, 8000 Brugge
- Names & denominations
- BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 July 2022
- Peppol
- Active · Active since 21 Oct 2026