Equity
-€33,245
Debts exceed assets in financial year 2025.
BERNARDI
Lifetime
5 annual accounts with figures on one time axispeak €677,515 (2025)
€677,515▲ 33.0%
lowest -€81,814 (2024)
€38,399▲ €120,213
peak €40,776 (2021)
-€33,245▲ €98,399
€215,512▼ 31.1%
Board1 name since 2020
1 director
Documentsfilings and deeds
03-11-202695 days late
2025micro format
Gross margin from €509,506 to €677,515Back to profit: €38,399Equity from -€131,644 to -€33,245Debts from €312,704 to €215,512
Key points
from the 2025 annual accountsResult
€38,399 €38,399
Back in profit in 2025, after a loss of €81,814 in 2024.
Debts
€215,512 118% of the balance sheet
Financial debts 2%Suppliers 32%Taxes and wages 63%Other 3%
Of this, €211,409 falls due within a year.
Staff
29 employees on 31-12-2025
In 2025, 191 short contracts started and 186 ended, on average 154 hours worked per contract. Staff averaged 17 full-time equivalents.
Filings
5 annual accounts 95 days
Latest accounts filed late: after the legal deadline.
Position in the sector
-€33,245
Less equity than 89% of companies in retail trade. Sector median €40,895 · 25,288 companies.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 178 companies had the same profile as BERNARDI has now. Each dot is one company, two years later.
90.4%
were still trading
2.8%
stopped another way
6.2%
went bankrupt
Another 0.6% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 178 companies, not a prediction for BERNARDI. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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Signals
Recent changes
New establishment in La Louvière
BOULANGERIE THIRION, Rue Albert 1,Roi des Belges (L.L) 55
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0752947157
New establishment in La Louvière
Boulangerie Thirion, Rue de l'Olive (L.L) 7
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BERNARDI Anderlues | €182,267 | €677,515 | -18.2% | - |
| RESSOU Mons | €316,908 | €646,976 | 29.6% | 14 |
| LA GERME DE BLE Brussels | €234,797 | €465,861 | -7.7% | - |
| DE BACKERY Bierbeek | €164,491 | €375,297 | 38.5% | 8.9 |
| M&C Brussels | €132,582 | €385,832 | 64.0% | - |
| MULTIPAINS Seraing | €324,456 | €465,250 | 18.7% | - |
| KOBRA Baelen | €372,636 | €474,387 | 6.6% | 8.3 |
These companies have the same main activity as BERNARDI: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €133,000 and €373,000, founded between 2017 and 2021.
Official details
Source: KBO- Status
- Active since 26-08-2020Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241and 4 others
- Establishment units
- 2.306.379.6886150 Anderlues, since 03-09-2020
- 2.306.379.7877130 Binche, since 03-09-2020and 2 others
- Financial year end
- 31 December
- Peppol
- Reachable since 06-02-2026
Annual accounts 2025
- ≈ €2.9mestimated
- €182,267▲ 0.7%
- Employeeson 31-12-2025
- 29▲ 26.1%
- Filing
- Filed on 03-11-2026
Insights on BERNARDI
BERNARDI files the micro format. That format states no turnover. The gross margin rose from €390,191 in 2021 to €677,515 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BERNARDI
- What is the company number of BERNARDI?
- The company number of BERNARDI is 0752.947.157. The VAT number is the same number with BE in front: BE 0752.947.157.
- Where is BERNARDI based?
- The registered office is at Chaussée de Mons 310, 6150 Anderlues.Company details
- What does BERNARDI do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of BERNARDI?
- BERNARDI is a private limited company (BV).
- When was BERNARDI founded?
- BERNARDI was founded on 26-08-2020.
- Is BERNARDI still active?
- Yes, BERNARDI is an active enterprise in the KBO register.
- How many employees does BERNARDI have?
- BERNARDI had an average of 16.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of BERNARDI?
- The turnover in financial year 2025 is ≈ €2.9m. This figure is estimated from the gross margin of €677,515 and 48 comparable companies (NACE 472). It probably lies between €2.0m and €4.7m.
- Is BERNARDI profitable?
- In financial year 2025, BERNARDI made a profit of €38,399.
- Where can I find the annual accounts of BERNARDI?
- BERNARDI filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of BERNARDI due?
- BERNARDI must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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