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ANNA

Active
Private limited companyfounded 1989active for 37 yearsRue Sainte-Adèle 1, 5030 Gembloux, BelgiumKBO/BCE: BE 0437.563.931
Summary

The computed 12-month bankruptcy probability of ANNA is 6.5% (elevated). The annual accounts of ANNA for financial year 2025 show a net loss of 207% of total assets. The 2025 annual accounts show equity of €7,654 and a net result of -€16,433. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 95% of 1,873 sector peers (NACE 10, financial year 2025). The company has been active since 1989 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
1 site
Size
€7,956total assets 2025
Equity
€7,654
Loss
-€16,433
Turnover not published (micro format)
Financial health
37 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
6.5%
Structure
Accounts 55 days early1 of 5 deeds read
Why 37raises risk2 changes of registered office in 24 monthsSector: Manufacture of food products (NACE 10)2 of the last 3 lateLoss of €16,433 (financial year 2025)Show the evidence

Checked score

Score 2025
37 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 52% of its sector peers (NACE 10, micro)
Financial strength · tick = 2023
Average
Solvency 100+10
equity 96.2% of total assets
Liquidity 54+20
short-term debt 3.8% · cash 3.1%
Profitability 0-100
return on assets -206.5%
Bankruptcy probability, 12 months
6.5% Elevated
0%0.5%1.5%4%10%≥ 25%

About 7 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,071 companies, NACE 10, micro)
Last 24 months 11-2024: 1.5%lowest value 12-2024: 3.1%▲ +1.6 percentage points vs 11-2024 01-2025: 3.1%● unchanged vs 12-2024 02-2025: 7.0%▲ +3.9 percentage points vs 01-2025 03-2025: 7.0%● unchanged vs 02-2025 04-2025: 7.1%▲ +0.1 percentage points vs 03-2025 05-2025: 7.1%● unchanged vs 04-2025 06-2025: 6.9%▼ -0.2 percentage points vs 05-2025 07-2025: 7.0%▲ +0.1 percentage points vs 06-2025 08-2025: 7.8%▲ +0.8 percentage points vs 07-2025 09-2025: 9.2%▲ +1.4 percentage points vs 08-2025 10-2025: 12.1%▲ +2.9 percentage points vs 09-2025 11-2025: 12.1%● unchanged vs 10-2025 12-2025: 12.8%▲ +0.7 percentage points vs 11-2025 01-2026: 16.9%▲ +4.1 percentage points vs 12-2025highest value 02-2026: 16.9%● unchanged vs 01-2026highest value 03-2026: 16.9%● unchanged vs 02-2026 04-2026: 16.0%▼ -0.9 percentage points vs 03-2026 05-2026: 16.0%● unchanged vs 04-2026 06-2026: 16.0%● unchanged vs 05-2026 07-2026: 6.5%▼ -9.5 percentage points vs 06-2026 08-2026: 6.5%● unchanged vs 07-2026 09-2026: 6.5%● unchanged vs 08-2026 10-2026: 6.5%● unchanged vs 09-2026
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 26.31, compared with 2.81 in 2023; short-term debt: 3.8% and cash: 3.1% of total assets), and 3.8% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 10, micro): better than 93% on solvency, 56% on liquidity and 6% on profitability.

The bankruptcy probability was computed on 10-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
raises riskneutral
raises risk · 2 changes of registered office in 24 months
Belgian Official Gazette
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
raises risk · 2 of the last 3 late
NBB · filings
raises risk · Loss of €16,433 (financial year 2025)
NBB · annual accounts
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-06-2026, 55 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
55 days early
2023
42 days late
2022
31 days late
2021
8 days late
2020
20 days late
2019
26 days late
2018
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 15 days after the deadline; the sector median (NACE 10) for financial year 2023 is 4 days before the deadline, and 40% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Resignation: Elodie MARTIN (director)Appointment: Raymond DEWAERT (director) ·…
  2. Annual accounts filedfinancial year 2025 · micro…
  3. Liquidity more than 9 timescurrent ratio 26.31

Key points

  • Caution: Among the weakest 14% on net resultsector median €8,233 · 1,875 companies -€16,433 View
  • Caution: Board changedlatest change 10-06-2026 · 1 in office 1 joined · 1 left View
  • Active since 1989founded 31-05-1989 37 years View

By topic

Financials

Financial year
2025
Total assets
€7,956
Loss
-€16,433
Solvency
96.2%
Total assets▼ 78.0%
Net result
20182025
Go to Financials

Timeline

Events
39
Since
1991
Next accounts
by 31-07-2027
  1. 11-09-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 31-12-2023Liquidity more than quadruples
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
31-05-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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