Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
BAYARD INVEST from Brussel, company number BE0860927359, closed financial year 2025 with a result of € 10,750 after tax. For that financial year BAYARD INVEST recorded a gross margin of € 159,676 and equity of € 655,117. Compared with financial year 2024, the result moved from € -157,150 to € 10,750. Profitable, and profit is growing. The buffer is growing. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on August 31, 2026.
€ 655,117
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 10,750
▲ still € 157,150 loss in 2024
Profit after tax over the fiscal year.
€ 3,165
▼ 89% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -569,883.
People and assets in 2025
€ 8,662
▼ 46% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 35,113
▼ 99% vs 2024
Loans from banks and other lenders, long and short.
€ 527,364
▲ € 515,750 vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 166,184
▲ € 165,940 vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
Want to see how much further we take a dossier in the Pro version? Open the free De Lijn example and give feedback →
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 88,651 | € 24,105 | € 103,968 | € 159,676 | ▲ 54% |
| Profit after taxes | € -5,807 | € -184,203 | € -157,150 | € 10,750 | ▲ € 167,900 |
| Equity | € 991,844 | € 807,641 | € 647,429 | € 655,117 | ▲ 1% |
| Total debts | € 2,600,372 | € 3,429,235 | € 6,167,352 | € 2,763,950 | ▼ 55% |
| Cash | € 370,613 | € 16,729 | € 29,894 | € 3,165 | ▼ 89% |
| Land & buildings | € 1,255,278 | € 1,198,830 | € 1,137,034 | € 1,075,239 | ▼ 5% |
| Retained profit | € -233,156 | € -417,359 | € -577,571 | € -569,883 | ▲ € 7,688 |
| Bank debt | € 2,144,790 | € 3,219,395 | € 4,089,991 | € 35,113 | ▼ 99% |
| Balance sheet total | € 3,641,613 | € 4,267,027 | € 6,843,400 | € 3,446,156 | ▼ 50% |
Key figures of BAYARD INVEST, 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 BAYARD INVEST?
What happened at BAYARD INVEST in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 10,750. filed late Source: NBB ↗
- Dereck VERHAGEN became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 5,807 loss in 2022 to € 10,750 profit in 2025.
Paid € 480 in corporate taxes since 2022.
Best year ever: 2025, with € 10,750 profit.
A new publication or filing at BAYARD INVEST? We notify you, reason included.
Follow BAYARD INVESTDatabakkes Pro
Know what changes at your customers, suppliers and competitors. Without reading an annual account.
- Follow them in one folder Every company in your folder gets this full dossier: household book, all fiscal years, benchmark against companies of the same size.
- We alert you, with the reason New annual account, Official Gazette publication or status change: you get what changed and where it says so.
- In bulk too, and in ChatGPT and Claude Upload your customer list and get the warning signs back per company. Or ask in your own AI assistant, with this register as the source.
Databakkes Pro is being built. Sign up now and you are first in line for an invitation, with a month to try without a credit card.
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 BAYARD INVEST are Luz Elena ITURRALDE CASTELO, Dereck VERHAGEN and Nicole VERHAGEN.
Directors
According to the 2025 annual accounts
Luz Elena ITURRALDE CASTELO
Director
Dereck VERHAGEN
Director
since 2023
Nicole VERHAGEN
Director
Establishments
Establishment units
Physical locations of this company
Sint-Annastraat 20-22
1000 Brussel
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
- 0860.927.359
- VAT number
- BE 0860.927.359
- Registered office
- Sint-Annastraat 20-22, 1000 Brussel
- Names & denominations
- BAYARD INVEST
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 8 October 2003
- Peppol
- Active · Active since 9 Dec 2025
- Activities · NACE
Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen
Ontwikkeling van residentiële bouwprojecten
Bemiddeling in verband met exploitatie van en handel in onroerend goed
Bemiddeling bij de aankoop, verkoop en verhuur van onroerend goed voor een vast bedrag of op contractbasis