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 47 % of short-term debt in 2026; threshold 65 %.
Financials
Financial year 2026
Bakkerij Bernard from Wervik, company number BE0765620307, closed financial year 2026 with a result of € 204,165 after tax. For that financial year Bakkerij Bernard recorded a gross margin of € 849,810 and equity of € 38,283. Compared with financial year 2025, the result moved from € 151,438 to € 204,165. Profitable, and profit is growing. The buffer shrank hard: equity is 75 % below last year. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on October 9, 2026.
€ 38,283
▼ 75% vs 2025
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 204,165
▲ 35% vs 2025
Profit after tax over the fiscal year.
€ 219,013
▲ 142% vs 2025
Cash and bank balances on the last day of the fiscal year.
€ 320,666 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2026
10.6
▲ 1.5 vs 2025
Average over the fiscal year, from the social balance sheet.
€ 458,941
▲ 6% vs 2025
€ 43,300 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.
€ 47,875
▼ 22% vs 2025
Book value of vehicles, furniture and equipment.
Debts at end 2026
€ 147,983
▼ 29% vs 2025
€ 96,738 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 65,704
▲ 31% vs 2025
Supplier invoices still open on the last day of the fiscal year.
€ 99,536
▲ 25% vs 2025
Taxes, VAT and social contributions still to pay.
| 2023 | 2024 | 2025 | 2026 | Change 2025 → 2026 | |
|---|---|---|---|---|---|
| Gross margin | € 608,966 | € 688,948 | € 743,983 | € 849,810 | ▲ 14% |
| Profit after taxes | € 133,588 | € 118,487 | € 151,438 | € 204,165 | ▲ 35% |
| Equity | € 310,243 | € 427,064 | € 154,784 | € 38,283 | ▼ 75% |
| Total debts | € 465,467 | € 338,589 | € 407,553 | € 593,781 | ▲ 46% |
| Cash | € 225,302 | € 281,928 | € 90,478 | € 219,013 | ▲ 142% |
| Retained profit | € 305,243 | € 422,064 | € 149,784 | € 33,283 | ▼ 78% |
| Dividend | € 1,600 | € 1,666 | € 423,718 | € 320,666 | ▼ 24% |
| Bank debt | € 252,113 | € 191,657 | € 207,572 | € 147,983 | ▼ 29% |
| Balance sheet total | € 775,710 | € 765,653 | € 562,337 | € 632,064 | ▲ 12% |
| Employees (FTE) | 8.5 | 9.3 | 9.1 | 10.6 | ▲ 1.5 |
By gross margin, Bakkerij Bernard ranks 30th of 220 companies with main activity “Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk” in West Flanders that publish figures (fiscal year 2026).
Key figures of Bakkerij Bernard, 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.
Ask about Bakkerij Bernard the way you would ask their accountant.
Answers from the filed annual accounts, the Belgian Official Gazette and the CBE register.
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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 2026: profit of € 204,165 (▲ 35% vs 2025). Source: NBB ↗
- New establishment in Wervik. KBO
- Incorporation, published in the Gazette. Source: Staatsblad ↗
In short
From € 133,588 profit in 2023 to € 204,165 profit in 2026.
Paid € 153,460 in corporate taxes since 2023.
Best year ever: 2026, with € 204,165 profit.
On average € 80,200 of value added per employee in 2026.
Management
Behind Bakkerij Bernard are Lore Feys and Désiré Masschelein.
Directors
According to the 2026 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.
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Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
MICROSOFT-CORP-MSN-AS-BLOCK - Microsoft Corporation, US
Website info
Features
Security
Shareholders according to the Official Gazette deeds
Who contributed at incorporation and at capital increases, with the deed as source. Later share transfers are not published in the Gazette.
Incorporation
Source: Deed ↗- MASSCHELEIN Désiré Danny(oprichter) 50%
- FEYS Lore Maria Cornelia(oprichter) 50%
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