AU BLE BLOND
ActiveAU BLE BLOND has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-1k. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 34% of 11323 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▼-41
Solvency45▼-34
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 2.06 in 2024; short-term debt: 79.6% and cash: 38.3% of total assets), and 79.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
20.4%
Return on assets
-1.1%
Age of the figures
9 mo
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
22 d early
2023
20 d late
2022
52 d early
2021
2 d early
2020
31 d early
2019
17 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▼ 63.7%
2024 · €73k
2018: €40k
2019: €38k
2020: €37k
2021: €39k
2022: €53k
2023: €65k
2024: €73k
2018 → 2025
Total assets
€130k▼ 4.4%
2024 · €136k
2018: €124k
2019: €132k
2020: €72k
2021: €67k
2022: €90k
2023: €113k
2024: €136k
2018 → 2025
Net result
€-1k
2024 · €8k
2018: €8k
2019: €-2k
2020: €-1k
2021: €2k
2022: €14k
2023: €12k
2024: €8k
2018 → 2025
Working capital
€26k▼ 60.9%
2024 · €67k
2018: €1k
2019: €4k
2020: €10k
2021: €17k
2022: €37k
2023: €54k
2024: €67k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€39k-€53k▲ 36.9%€65k▲ 22.6%€73k▲ 11.5%€26k▼ 63.7%
Operating result€3k-€18k▲ 581%€16k▼ 11.1%€12k▼ 22.7%€623▼ 95.0%
Net result€2k-€14k▲ 560%€12k▼ 16.2%€8k▼ 37.4%€-1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €130k
Fixed assets
€341▼ 94.5%
Current assets
€129k▼ 0.1%
Equity and liabilities €130k
Equity
€26k▼ 63.7%
Debt
€103k▲ 64.5%
The debt ratio rises from 46.2% to 79.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
20.4%▼
2024 · 53.8%
Current ratio
1.25▼
2024 · 2.06
Quick ratio
1.25▼
2024 · 1.71
Debt / equity
3.90▲
2024 · 0.86
ROE
-5.6%▼
2024 · 10.3%
ROA
-1.1%▼
2024 · 5.6%
Debt
€103k▲
2024 · €63k
Debt ≤ 1 year
€103k▲
2024 · €63k
Staff costs
€103k▲
2024 · €93k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€136k€130k▼
Fixed assets21/28€6k€341▼
Intangible fixed assets21€6k-
Financial fixed assets28€341€341=
Current assets29/58€130k€129k▼
Stocks and contracts in progress3€22k-
Stocks30/36€22k-
Amounts receivable within one year40/41€74k€80k▲
Trade receivables40€27k€50k▲
Other amounts receivable41€47k€30k▼
Cash at bank and in hand54/58€33k€50k▲
Equity and liabilities
Total equity and liabilities10/49€136k€130k▼
Equity10/15€73k€26k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€52k€6k▼
Amounts payable17/49€63k€103k▲
Amounts payable within one year42/48€63k€103k▲
Trade debts44€38k€116▼
Suppliers440/4€38k€116▼
Advances received on contracts in progress46-€50k
Taxes, remuneration and social security45€24k€8k▼
Taxes450/3€4k€628▼
Remuneration and social security454/9€20k€7k▼
Other amounts payable47/48-€45k
Income statement
Code20242025
Non-recurring operating income76A-€44k
Remuneration, social security and pensions62€93k€103k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k-
Other operating charges640/8€747€242▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€111k€109k▼
Operating profit (loss)9901€12k€623▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€10k€-1k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€8k€-1k▼
Profit (loss) for the period to be appropriated9905€8k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€51k▼
Profit (loss) brought forward from the previous period14P€45k€52k▲
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €14k ▲560%
Operating result €18k, net result €14k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Weakest financial yearnet €-2k ▼122%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
05-04-2023
Resigned as Director
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2016
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Josaphatstraat 2651030 SchaarbeekGround area
129 m²
Building footprint
108 m²
Volume, LiDAR
1,736 m³
Parcel 21906D0293/00K000, Brussels · tallest building 19.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AU BLE BLOND
since 20162.251.950.416
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21906D0293/00K000 | Brussels | 129 m² | 1 · 108 m² | 19.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSchaarbeek2.251.950.416
Dual-learning approval
1 live approvalBrood- en banketbakkerij duaal (so)
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Of 453 companies in sector 46360 we hold annual accounts for 286. 155 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2016
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
46360Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.