What does Bernard DESTEXHE do?

Bernard DESTEXHE is an insurance broker in Modave. Private Limited, started on 13 November 2009, 1 establishment.

What is the address of Bernard DESTEXHE?

The registered office of Bernard DESTEXHE is located at Rue Beaulieu 16, 4577 Modave.

Is Bernard DESTEXHE still active?

Yes. According to the CBE (30 October 2026) Bernard DESTEXHE is active, legal situation “Normale toestand”, started on 13 November 2009.

Is Bernard DESTEXHE registered on Peppol?

No, Bernard DESTEXHE is currently not registered on the Peppol network.

What is the enterprise number of Bernard DESTEXHE?

The enterprise number of Bernard DESTEXHE is BE0820542202.

When was Bernard DESTEXHE founded?

Bernard DESTEXHE was founded on 13 November 2009.

Who are the directors of Bernard DESTEXHE?

According to the 2025 annual accounts, the directors of Bernard DESTEXHE are: BERNARD DESTEXHE.

Is Bernard DESTEXHE a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 13 November 2009; 5 annual accounts filed, latest fiscal year 2025; 1 directors known from the annual account.

How much profit did Bernard DESTEXHE make in 2025?

Bernard DESTEXHE recorded a loss after taxes of € 17,909 in financial year 2025.

What is the revenue of Bernard DESTEXHE?

As a small company, Bernard DESTEXHE is not required to publish revenue in its annual accounts. In financial year 2025, its added value was € 78,697.

Bernard DESTEXHE (Private Limited) - Modave

Dossier Bernard DESTEXHE, printed on 30 October 2026 from databakkes.be/en/0820542202/bernard-destexhe. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

Warning lights

Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Two loss years in a row NBB

Negative result in 2024 and 2025.
Tight liquidity NBB

Cash and receivables cover 58 % of short-term debt in 2025; threshold 65 %.
Not on Peppol Peppol

Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.

Financials

Financial year 2025

Bernard DESTEXHE from Modave, company number BE0820542202, closed financial year 2025 with a result of € -17,909 after tax. For that financial year Bernard DESTEXHE recorded a gross margin of € 78,697 and equity of € 23,989. Compared with financial year 2024, the result moved from € -14,682 to € -17,909. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 18, 2026.

What it is worth Healthy

€ 23,989

▼ 43% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Loss Caution

€ -17,909

▼ 22 % more loss than in 2024

Profit after tax over the fiscal year.

Where the profit goes Caution

Loss, nothing to pay out

Reserves fell to € 3,529.

People and assets in 2025

Full-time equivalents estimate The annual accounts report no full-time equivalents. A micro company with one active director is usually run by that person; this is an assumption, not a figure from the source.

≈ 1

No payroll staff. One director, so that person most likely runs the business.

Wage cost

€ 71,015

▲ 78% vs 2024

Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 42,646

▼ 22% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

€ 40,916

▼ 19% vs 2024

Loans from banks and other lenders, long and short.

Taxes and wages

€ 12,741

▼ 37% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Gross margin	€ 51,125 Gross margin 2022: € 51,125 First fiscal year in the series	€ 22,985 Gross margin 2023: € 22,985 ▼ 55% vs 2022 (€ 51,125) Unfavourable step	€ 38,415 Gross margin 2024: € 38,415 ▲ 67% vs 2023 (€ 22,985) Favourable step	€ 78,697 Gross margin 2025: € 78,697 ▲ 105% vs 2024 (€ 38,415) Favourable step	▲ 105%
Profit after taxes	€ -9,014 Profit after taxes 2022: € -9,014 First fiscal year in the series	€ -9,313 Profit after taxes 2023: € -9,313 ▼ € 299 vs 2022 (€ -9,014) Unfavourable step	€ -14,682 Profit after taxes 2024: € -14,682 ▼ € 5,370 vs 2023 (€ -9,313) Unfavourable step	€ -17,909 Profit after taxes 2025: € -17,909 ▼ € 3,227 vs 2024 (€ -14,682) Unfavourable step	▼ € 3,227
Equity	€ 65,892 Equity 2022: € 65,892 First fiscal year in the series	€ 56,579 Equity 2023: € 56,579 ▼ 14% vs 2022 (€ 65,892) Unfavourable step	€ 41,897 Equity 2024: € 41,897 ▼ 26% vs 2023 (€ 56,579) Unfavourable step	€ 23,989 Equity 2025: € 23,989 ▼ 43% vs 2024 (€ 41,897) Unfavourable step	▼ 43%
Total debts	€ 30,631 Total debts 2022: € 30,631 First fiscal year in the series	€ 10,043 Total debts 2023: € 10,043 ▼ 67% vs 2022 (€ 30,631) Favourable step	€ 70,428 Total debts 2024: € 70,428 ▲ € 60,385 vs 2023 (€ 10,043) Unfavourable step	€ 53,656 Total debts 2025: € 53,656 ▼ 24% vs 2024 (€ 70,428) Favourable step	▼ 24%
Retained profit	€ 57,192 Retained profit 2022: € 57,192 First fiscal year in the series	€ 36,119 Retained profit 2023: € 36,119 ▼ 37% vs 2022 (€ 57,192) Unfavourable step	€ 21,437 Retained profit 2024: € 21,437 ▼ 41% vs 2023 (€ 36,119) Unfavourable step	€ 3,529 Retained profit 2025: € 3,529 ▼ 84% vs 2024 (€ 21,437) Unfavourable step	▼ 84%
Bank debt	€ 3,256 Bank debt 2022: € 3,256 First fiscal year in the series	€ 620 Bank debt 2023: € 620 ▼ 81% vs 2022 (€ 3,256) Favourable step	€ 50,302 Bank debt 2024: € 50,302 ▲ € 49,683 vs 2023 (€ 620) Unfavourable step	€ 40,916 Bank debt 2025: € 40,916 ▼ 19% vs 2024 (€ 50,302) Favourable step	▼ 19%
Balance sheet total	€ 96,523 Balance sheet total 2022: € 96,523 First fiscal year in the series	€ 66,622 Balance sheet total 2023: € 66,622 ▼ 31% vs 2022 (€ 96,523) Unchanged	€ 112,325 Balance sheet total 2024: € 112,325 ▲ 69% vs 2023 (€ 66,622) Unchanged	€ 77,645 Balance sheet total 2025: € 77,645 ▼ 31% vs 2024 (€ 112,325) Unchanged	▼ 31%

Key figures of Bernard DESTEXHE, 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 Bernard DESTEXHE?

What happened at Bernard DESTEXHE in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

Aug 18, 2026 New annual accounts for financial year 2025: loss of € 17,909. filed late Source: NBB ↗
Nov 20, 2009 New establishment in Amay. KBO
Nov 13, 2009 Start of the company according to the CBE. KBO

In short

From € 9,014 loss in 2022 to € 17,909 loss in 2025.

Paid € 8,808 in corporate taxes since 2022.

Original PDFs at the National Bank ↗

Management

BERNARD DESTEXHE

Bernard DESTEXHE

Behind Bernard DESTEXHE is BERNARD DESTEXHE.

Directors

According to the 2025 annual accounts

BERNARD DESTEXHE

Manager

Establishments

Establishment units

Physical locations of this company

Registered office

Rue Beaulieu 16

4577 Modave

2.182.620.655

Rue Joseph Wauters(AMA) 47

4540 Amay

Active since 20 November 2009

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number: 0820.542.202
VAT number: BE 0820.542.202
Registered office: Rue Beaulieu 16, 4577 Modave
Names & denominations: Bernard DESTEXHE
Enterprise type: Rechtspersoon
Legal form: Private limited company
Legal situation: Normale toestand
Start date: 13 November 2009
Peppol: Not registered
Activities · NACE: Activiteiten van verzekeringsagenten en -makelaars

View on CBE Public ↗ Annual accounts (NBB) ↗