BAIARDI
ActiveBAIARDI has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €77k and a net result of €17k. Equity is growing by ~45.4% per year across the filed fiscal years. Its solvency ranks better than 58% of 2091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
69
/ 100
Healthy▲ +18 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+89
Solvency59▲+11
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity short (current ratio 0.93 against 0.82 in 2023), and 60.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 →
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 2024Solvency, return and age of the figures
Solvency
39.2%
Return on assets
8.8%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 31-05-2025 was due at the National Bank by 31-12-2025. Nothing is on record, 255 days later.
NBB · 10 filingsPosition against the passed deadline
31-05-2025 close31-12-2025 deadline12-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-05-2024 was due by 31-12-2024 and was filed on 20-12-2024, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
11 d early
2023
29 d late
2022
17 d early
2021
21 d early
2020
31 d early
2019
41 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€77k▲ 29.1%
2023 · €59k
2019: €8k
2020: €12k
2021: €-609
2022: €58k
2023: €59k
2019 → 2024
Total assets
€196k▲ 8.4%
2023 · €180k
2019: €149k
2020: €144k
2021: €144k
2022: €184k
2023: €180k
2019 → 2024
Net result
€17k▲ 1,174%
2023 · €1k
2019: €-16k
2020: €3k
2021: €-12k
2022: €59k
2023: €1k
2019 → 2024
Working capital
€-7k▲ 60.8%
2023 · €-18k
2019: €-32k
2020: €-37k
2021: €-55k
2022: €-4k
2023: €-18k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€12k-€-609€58k€59k▲ 2.3%€77k▲ 29.1%
Operating result€6k-€-10k€61k€3k▼ 94.7%€21k▲ 534%
Net result€3k-€-12k€59k€1k▼ 97.7%€17k▲ 1,174%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 534% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €196k
Fixed assets
€102k▲ 1.4%
Current assets
€93k▲ 17.2%
Equity and liabilities €196k
Equity
€77k▲ 29.1%
Debt
€119k▼ 1.8%
The debt ratio falls from 67.1% to 60.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€23k▲
2023 · €6k
Cash flow
€20k▲
2023 · €4k
Solvency
39.2%▲
2023 · 32.9%
Current ratio
0.93▲
2023 · 0.82
Quick ratio
0.78▲
2023 · 0.68
Debt / equity
1.55▼
2023 · 2.04
ROE
22.5%▲
2023 · 2.3%
ROA
8.8%▲
2023 · 0.8%
Interest coverage
8.11▲
2023 · 3.58
Debt
€119k▼
2023 · €121k
Debt ≤ 1 year
€100k▲
2023 · €97k
Debt > 1 year
€19k▼
2023 · €24k
Income taxes
€10
Staff costs
€19k▲
2023 · €17k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€180k€196k▲
Fixed assets21/28€101k€102k▲
Tangible fixed assets22/27€100k€100k▲
Land and buildings22€88k€88k=
Plant, machinery and equipment23€942€2k▲
Other tangible fixed assets26€11k€10k▼
Financial fixed assets28€880€2k▲
Current assets29/58€79k€93k▲
Stocks and contracts in progress3€14k€15k▲
Stocks30/36€14k€15k▲
Amounts receivable within one year40/41€10k€16k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€353€170▼
Cash at bank and in hand54/58€55k€62k▲
Deferred charges and accrued income490/1€203€231▲
Equity and liabilities
Total equity and liabilities10/49€180k€196k▲
Equity10/15€59k€77k▲
Contributions10/11€19k€21k▲
Capital10€19k-
Issued capital100€19k-
Outside capital11-€21k
Other1109/19-€21k
Reserves13€41k€56k▲
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Distributable reserves133€39k€56k▲
Amounts payable17/49€121k€119k▼
Amounts payable after more than one year17€24k€19k▼
Financial debts170/4€24k€19k▼
Amounts payable within one year42/48€97k€100k▲
Current portion of amounts payable after more than one year42€6k€5k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€9k€21k▲
Suppliers440/4€9k€21k▲
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3-€963
Remuneration and social security454/9€5k€5k▲
Other amounts payable47/48€77k€68k▼
Income statement
Code20232024
Non-recurring operating income76A€923€369▼
Remuneration, social security and pensions62€17k€19k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€461€626▲
Non-recurring operating charges66A€0€73▲
Gross operating margin9900€23k€42k▲
Operating profit (loss)9901€3k€21k▲
Financial income75/76B-€32
Recurring financial income75-€32
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Non-recurring financial charges66B€196€523▲
Profit (loss) for the period before taxes9903€1k€17k▲
Income taxes67/77-€10
Profit (loss) for the period9904€1k€17k▲
Profit (loss) for the period to be appropriated9905€1k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€17k▲
Transfer to equity691/2€1k€17k▲
To other reserves6921€1k€17k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2022
14-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Back to profitnet €59k
Net result €59k after one loss-making year.
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-05
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
05-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2015
20-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, La Louvière · 1 establishment unit since 1991
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.
Rue Tierne à Tartes(TRI) 167100 La LouvièreGround area
1,005 m²
Building footprint
124 m²
Parcel 55046A0057/00E002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue Tierne à Tartes(TRI) 16, 7100 La Louvière
since 19912.050.929.297
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55046A0057/00E002 | Wallonia | 1,005 m² | 1 · 124 m² | - |
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.
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CARLOS KOFFIE
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Of 230 companies in sector 10830 we hold annual accounts for 113. 77 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-12-1990
Fiscal year end31-05
Activities, NACEBEL
10830Manufacture of food products
15860
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.