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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Tight liquidity NBB
Cash and receivables cover 53 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Bakkerij Bernard from Wervik, company number BE0765620307, closed financial year 2025 with a result of € 151,438 after tax. For that financial year Bakkerij Bernard recorded a gross margin of € 743,983 and equity of € 154,784. Compared with financial year 2024, the result moved from € 118,487 to € 151,438. Profitable, and profit is growing. The buffer shrank hard: equity is 64 % below last year. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on October 8, 2025.
€ 154,784
▼ 64% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 151,438
▲ 28% vs 2024
Profit after tax over the fiscal year.
€ 90,478
▼ 68% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 423,718 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
9.1
▼ 0.2 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 434,027
€ 47,700 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.
€ 61,715
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 207,572
▲ 8% vs 2024
€ 102,181 is repaid this year. At this pace the long-term loan is gone in ≈ 2 years.
€ 50,325
▲ 41% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 79,840
▼ 18% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 619,461 | € 608,966 | € 688,948 | € 743,983 | ▲ 8% |
| Profit after taxes | € 181,955 | € 133,588 | € 118,487 | € 151,438 | ▲ 28% |
| Equity | € 178,255 | € 310,243 | € 427,064 | € 154,784 | ▼ 64% |
| Total debts | € 393,863 | € 465,467 | € 338,589 | € 407,553 | ▲ 20% |
| Cash | € 345,170 | € 225,302 | € 281,928 | € 90,478 | ▼ 68% |
| Retained profit | € 173,255 | € 305,243 | € 422,064 | € 149,784 | ▼ 65% |
| Dividend | € 8,700 | € 1,600 | € 1,666 | € 423,718 | ▲ € 422,052 |
| Bank debt | € 176,151 | € 252,113 | € 191,657 | € 207,572 | ▲ 8% |
| Balance sheet total | € 572,118 | € 775,710 | € 765,653 | € 562,337 | ▼ 27% |
| Employees (FTE) | 7.4 | 8.5 | 9.3 | 9.1 | ▼ 0.2 |
Key figures of Bakkerij 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 October 2026.
What happened to Bakkerij Bernard?
What happened at Bakkerij Bernard in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 151,438 (▲ 28% vs 2024). Source: NBB ↗
- New establishment in Wervik. KBO
- Start of the company according to the CBE. KBO
In short
From € 181,955 profit in 2022 to € 151,438 profit in 2025.
Paid € 149,640 in corporate taxes since 2022.
Best year ever: 2022, with € 181,955 profit.
On average € 81,800 of value added per employee in 2025.
A new publication or filing at Bakkerij 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
Behind Bakkerij Bernard are Lore Feys and Désiré Masschelein.
Directors
According to the 2025 annual accounts
Lore Feys
Director
Désiré Masschelein
Director
Establishments
Establishment units
Physical locations of this company
Beselarestraat 9
8940 Wervik
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US
Website info
Features
Security
Details
- Company number
- 0765.620.307
- VAT number
- BE 0765.620.307
- Registered office
- Beselarestraat 9, 8940 Wervik
- Names & denominations
- Bakkerij Bernard
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 24 March 2021
- Peppol
- Active · Active since 1 Jan 2001
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Industriële vervaardiging van brood en van vers banketbakkerswerk