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 62 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
BERNARD Ch. et Guillaume from Wanze, company number BE0533835342, closed financial year 2026 with a result of € 123,721 after tax. For that financial year BERNARD Ch. et Guillaume recorded a gross margin of € 1 million and equity of € 706,466. Compared with financial year 2025, the result moved from € 98,883 to € 123,721. Profitable, and profit is growing. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on September 11, 2026.
€ 706,466
▲ 22% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 123,721
▲ 25% vs 2025
Profit after tax over the fiscal year.
€ 335,779
▲ 93% vs 2025
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2026. Retained profit grew to € 463,126.
People and assets in 2026
2.2
▼ 0.1 vs 2025
Average over the fiscal year, from the social balance sheet.
€ 71,670
▼ 4% vs 2025
€ 32,600 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 1.4 million
▼ 33% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
€ 4.6 million
▲ 15% vs 2025
€ 902,478 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 248,438
▲ 229% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 27,659
▼ 17% vs 2025
Taxes, VAT and social contributions still to pay.
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| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 644,067 | € 723,634 | € 867,863 | € 1,001,550 | ▲ 15% |
| Profit after taxes | € 2,898 | € 90,490 | € 98,883 | € 123,721 | ▲ 25% |
| Equity | € 392,799 | € 496,798 | € 580,711 | € 706,466 | ▲ 22% |
| Total debts | € 3,785,724 | € 3,972,033 | € 4,088,108 | € 4,847,699 | ▲ 19% |
| Cash | € 135,298 | € 488,282 | € 174,162 | € 335,779 | ▲ 93% |
| Land & buildings | € 443,210 | € 417,820 | € 392,430 | € 367,039 | ▼ 6% |
| Retained profit | € 150,033 | € 240,523 | € 339,405 | € 463,126 | ▲ 36% |
| Bank debt | € 3,641,478 | € 3,265,283 | € 3,977,192 | € 4,566,892 | ▲ 15% |
| Balance sheet total | € 4,178,523 | € 4,468,831 | € 4,668,819 | € 5,554,165 | ▲ 19% |
| Employees (FTE) | 1 | 1.6 | 2.3 | 2.2 | ▼ 0.1 |
Key figures of BERNARD Ch. et Guillaume, fiscal years 2023 to 2026, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2027) expected before 31 October 2027.
What happened to BERNARD Ch. et Guillaume?
What happened at BERNARD Ch. et Guillaume in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2026: profit of € 123,721 (▲ 25% vs 2025). Source: NBB ↗
- Guillaume Bernard became a director. NBB
- New establishment in Wanze. KBO
- Christian Bernard became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 2,898 profit in 2023 to € 123,721 profit in 2026.
Paid € 22,539 in corporate taxes since 2023.
Best year ever: 2026, with € 123,721 profit.
On average € 455,300 of value added per employee in 2026.
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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 BERNARD Ch. et Guillaume are Christian Bernard and Guillaume Bernard. Christian Bernard is also behind Agence locale pour l'Emploi de Wanze.
Directors
According to the 2026 annual accounts
since 2013
Guillaume Bernard
Administrator-manager
since 2014
Establishments
Establishment units
Physical locations of this company
Rue Rouvreux(VIN) 6
4520 Wanze
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
- 0533.835.342
- VAT number
- BE 0533.835.342
- Registered office
- Rue Rouvreux(VIN) 6, 4520 Wanze
- Names & denominations
- BERNARD Ch. et Guillaume
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 2 May 2013
- Peppol
- Active · Active since 28 Aug 2025
- Activities · NACE
Ondersteunende activiteiten in verband met de teelt van gewassen