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 34 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
PHARMACIE BERNARD from Tournai, company number BE0474329208, closed financial year 2025 with a result of € 11,965 after tax. For that financial year PHARMACIE BERNARD recorded a gross margin of € 73,951 and equity of € 178,488. Compared with financial year 2024, the result moved from € 1,875 to € 11,965. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on June 30, 2026.
€ 178,488
▲ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 11,965
▲ € 10,091 vs 2024
Profit after tax over the fiscal year.
€ 44,485
▲ 29% 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 € 113,488.
People and assets in 2025
€ 21,205
▲ 1% 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.
€ 12,579
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 19,776
▼ 59% vs 2024
Loans from banks and other lenders, long and short.
€ 30,225
▲ 4% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 20,700
▼ 9% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 44,900 | € 56,539 | € 69,525 | € 73,951 | ▲ 6% |
| Profit after taxes | € -14,862 | € -7,032 | € 1,875 | € 11,965 | ▲ € 10,091 |
| Equity | € 171,680 | € 164,648 | € 166,522 | € 178,488 | ▲ 7% |
| Total debts | € 310,296 | € 310,270 | € 285,706 | € 273,008 | ▼ 4% |
| Cash | € 44,378 | € 48,532 | € 34,451 | € 44,485 | ▲ 29% |
| Land & buildings | € 6,260 | € 6,260 | € 6,260 | € 6,260 | |
| Retained profit | € 106,680 | € 99,648 | € 101,522 | € 113,488 | ▲ 12% |
| Bank debt | € 102,380 | € 75,974 | € 48,526 | € 19,776 | ▼ 59% |
| Balance sheet total | € 481,976 | € 474,917 | € 452,228 | € 451,496 |
Key figures of PHARMACIE BERNARD, 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 PHARMACIE BERNARD?
What happened at PHARMACIE BERNARD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jean-Claude Bernard stepped down as director. NBB
- Christelle Bernard stepped down as director. NBB
- New annual accounts for financial year 2025: profit of € 11,965 (▲ € 10,091 vs 2024). Source: NBB ↗
- Jean-Claude Bernard became a director. NBB
- Christelle Bernard became a director. NBB
- New establishment in Tournai. KBO
- Start of the company according to the CBE. KBO
In short
From € 14,862 loss in 2022 to € 11,965 profit in 2025.
Paid € 21,670 in corporate taxes since 2022.
Best year ever: 2025, with € 11,965 profit.
A new publication or filing at PHARMACIE BERNARD? We notify you, reason included.
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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
Directors
According to the 2025 annual accounts
Jean-Claude Bernard
Director
since 2025 · until 2031
Christelle Bernard
Director
since 2025 · until 2031
Establishments
Establishment units
Physical locations of this company
Quai du Marché au Poisson(TOU) 3
7500 Tournai
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0474.329.208
- VAT number
- BE 0474.329.208
- Registered office
- Quai du Marché au Poisson(TOU) 3, 7500 Tournai
- Names & denominations
- PHARMACIE BERNARD
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 15 March 2001
- Peppol
- Active · Active since 19 Dec 2025
- Activities · NACE
Detailhandel in farmaceutische producten