BACKEREI J.P. MATTAR
ActiveSummary
BACKEREI J.P. MATTAR has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €134k and a net result of €13k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 53% of 1544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+16
Solvency61▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.46 in 2024; short-term debt: 23.4% and cash: 26.4% of total assets), and 64.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
35.7%
Return on assets
3.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
30 d late
2022
30 d late
2021
16 d late
2020
138 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k▲ 201%
2024 · €4k
2018: €24k
2019: €6k
2020: €14k
2021: €27k
2022: €49k
2023: €34k
2024: €4k
2018 → 2025
Working capital
€35k▼ 9.2%
2024 · €39k
2018: €11k
2019: €5k
2020: €12k
2021: €28k
2022: €64k
2023: €94k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€34k-€83k▲ 143%€117k▲ 41.2%€121k▲ 3.6%€134k▲ 10.6%
Operating result€39k-€74k▲ 92.2%€56k▼ 24.1%€14k▼ 74.4%€27k▲ 89.7%
Net result€27k-€49k▲ 80.8%€34k▼ 30.0%€4k▼ 87.5%€13k▲ 201%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 90% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €375k
Fixed assets
€252k ▼ 0.9%
Current assets
€123k ▼ 0.7%
Equity and liabilities €375k
Equity
€134k ▲ 10.6%
Debt
€242k ▼ 6.2%
Debt's share of the balance-sheet total falls from 68.0% to 64.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €35k
Cash flow
€38k▲
2024 · €25k
Current ratio
1.40▼
2024 · 1.46
Quick ratio
1.29▼
2024 · 1.33
Debt to equity
1.80▼
2024 · 2.13
ROE
9.6%▲
2024 · 3.5%
ROA
3.4%▲
2024 · 1.1%
Interest coverage
5.18▲
2024 · 3.58
Debt ≤ 1 year
€88k▲
2024 · €85k
Debt > 1 year
€150k▼
2024 · €169k
Income taxes
€5k▲
2024 · €717
Staff costs
€100k▲
2024 · €95k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€378k€375k▼
Fixed assets21/28€254k€252k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€254k€252k▼
Land and buildings22€213k€221k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€1k€3k▲
Leasing and similar rights25€31k€22k▼
Financial fixed assets28€438-
Current assets29/58€124k€123k▼
Stocks and contracts in progress3€10k€10k▼
Stocks30/36€10k€10k▼
Amounts receivable within one year40/41€34k€13k▼
Trade receivables40€27k€10k▼
Other amounts receivable41€7k€3k▼
Cash at bank and in hand54/58€78k€99k▲
Deferred charges and accrued income490/1€919€881▼
Equity and liabilities
Total equity and liabilities10/49€378k€375k▼
Equity10/15€121k€134k▲
Contributions10/11€16k€16k=
Reserves13€87k€100k▲
Distributable reserves133€87k€100k▲
Profit (loss) carried forward14€18k€18k=
Amounts payable17/49€257k€242k▼
Amounts payable after more than one year17€169k€150k▼
Financial debts170/4€169k€150k▼
Amounts payable within one year42/48€85k€88k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Trade debts44€21k€5k▼
Suppliers440/4€21k€5k▼
Taxes, remuneration and social security45€19k€28k▲
Taxes450/3€5k€4k▼
Remuneration and social security454/9€13k€24k▲
Other amounts payable47/48€28k€36k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€200
Remuneration, social security and pensions62€95k€100k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€25k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€134k€157k▲
Operating profit (loss)9901€14k€27k▲
Financial income75/76B€353€228▼
Recurring financial income75€353€228▼
Financial charges65/66B€10k€10k▲
Recurring financial charges65€10k€10k▲
Profit (loss) for the period before taxes9903€5k€17k▲
Income taxes67/77€717€5k▲
Profit (loss) for the period9904€4k€13k▲
Profit (loss) for the period to be appropriated9905€4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€31k▲
Profit (loss) brought forward from the previous period14P€18k€18k=
Transfer to equity691/2€4k€13k▲
To other reserves6921€4k€13k▲
The notes to these accounts (13 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €4k ▼87.5%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema · 30 days late
2023
31-12
Financial
Equity above €100kEq €117k ▲41.2%
6 profitable years in a row build equity to €117k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €49k ▲80.8%
Operating result €74k, net result €49k, both a record.
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema · 16 days late
2021
15-03
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
01-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Eupen · 1 establishment unit since 2002
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.
Gospertstrasse 934700 Eupen1 establishment unit
Gospertstrasse 93, 4700 Eupen
since 20022.100.495.507
Recognitions · licences · registrations
Food safety, FASFC
1 siteEupen2.100.495.507
Similar companies · same sector, comparable size
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BE 0424.697.771
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BAKKERIJ MEEUS
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ENCORE CP
BE 0790.693.520
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LIEVEN SCHOEVAERTS
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Of 4,226 companies in sector 10712 we hold annual accounts for 1,870. 1,592 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2002
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
46389Wholesale of other food products
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filings
Scores and ratios are computed by Checked and are not a credit decision.