Checked.be
Active
BE 0802.228.701Private limited company
3,2,1 PATISSEZ
Rue de Gramptinne 43 ·5300 Andenne, Belgium· 3 yrs active
Sector: Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
(10712)
Conclusion
The computed 12-month bankruptcy probability of 3,2,1 PATISSEZ is 2.9% (moderate). The 2024 annual accounts show equity of €5k and a net result of €105. Its solvency ranks better than 28% of 637 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €5k |
| Net result | €105 |
| Staff (FTE) | 3.8 |
| Better than sector | 28% |
Financial profile
39
/ 100
Fragile profile, watch solvency in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
39
Profitability
37
Solvency
2
Growth
-
Stability
79
Bankruptcy probability (12 mo)
2.9%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate sector
+Annual accounts: weaker financial profile
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
39
/ 100
Weak
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 30-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 2.3% | 21.2% | |
| Net result | €105 | €7k | |
| Equity | €5k | €26k | |
| Gross operating margin | €106k | €59k | |
| Staff costs | €57k | €61k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | €318k |
| EBITDA | €48k |
| Net profit | €105 |
| Cash flow | €31k |
| Staff costs | €57k |
| Income taxes | - |
| Dividends | - |
| Total assets | €226k |
| Equity | €5k |
| Debt | €221k |
| of which ≤ 1y | €83k |
| of which > 1y | €138k |
| Working capital | €-72k |
| Employees (FTE) | 3.8 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 0.13 |
| Quick ratio | 0.13 |
| Working capital ratio | -31.8% |
| Solvency | 2.3% |
| Debt / equity | 43.25 |
| Long-term debt ratio | 27.04 |
| Interest coverage | 2.78 |
| Gross margin | 25.2% |
| Net margin | 0.0% |
| ROA | 0.0% |
| ROE | 2.1% |
| EBITDA margin | 15.2% |
| Days sales outstanding | 6d |
| Days payable outstanding | 7d |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €226k |
| Fixed assets | 21/28 | €215k |
| Formation expenses | 20 | €0 |
| Intangible fixed assets | 21 | €3k |
| Tangible fixed assets | 22/27 | €212k |
| Current assets | 29/58 | €11k |
| Amounts receivable within one year | 40/41 | €6k |
| Cash & bank | 54/58 | €5k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €226k |
| Equity | 10/15 | €5k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €105 |
| Amounts payable | 17/49 | €221k |
| Amounts payable after one year | 17 | €138k |
| Amounts payable within one year | 42/48 | €83k |
| Trade debts payable within one year | 44 | €5k |
| Income statement | ||
| Turnover | 70 | €318k |
| Gross operating margin | 9900 | €106k |
| Operating result | 9901 | €17k |
| Financial income | 75 | €482 |
| Financial charges | 65 | €17k |
| Result before taxes | 9903 | €105 |
| Net result for the period | 9904 | €105 |
| Result to be appropriated | 9905 | €105 |
Ratios computed by Checked.
Legal Structure
| NACE primary | Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712) |
| Legal form | Private limited company(610) |
| Incorporation | 30-05-2023 |
| Status | Active |
| Postal code | 5300 |
Establishment units
3, 2, 1 Patissez
since 20232.345.947.770
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92124A0269/00C000 | Wallonia | 299 m² | 1 · 118 m² | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
30-07-2025
NBB filing
Annual accounts filed
Belgian State Gazette reading coverage
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Vervaardiging van roomijs en ander consumptie-ijs10520Vervaardiging van beschuit, biscuit en houdbaar banketbakkerswerk10720Detailhandel in groenten en fruit47210Markt- en straathandel in voedings- en genotmiddelen47810Catering van evenementen56210
Primary activity highlighted.
Names & trade names
| Legal nameFR | 3,2,1 PATISSEZ |
Registered office
Rue de Gramptinne 43
5300 Andenne, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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