BAKERY FOR YOU
ActiveThe computed 12-month bankruptcy probability of BAKERY FOR YOU is 1.9% (moderate). The 2025 annual accounts show equity of €26k and a net result of €14k. Equity is growing by ~59.2% per year across the filed fiscal years. Its solvency ranks better than 70% of 946 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 3.36 in 2024; short-term debt: 32.7% and cash: 23.2% of total assets), and 32.7% 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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
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
67.3%
Return on assets
35.6%
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 24-08-2026, 24 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 · 5 filingsDeviation from the deadline
2025
24 d late
2024
138 d late
2023
5 d early
2021
97 d late
2020
16 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€26k▲ 112%
2024 · €12k
2020: €1k
2021: €8k
2023: €699
2024: €12k
2020 → 2025
Total assets
€39k▲ 122%
2024 · €18k
2020: €7k
2021: €21k
2023: €5k
2024: €18k
2020 → 2025
Net result
€14k▲ 19.2%
2024 · €12k
2020: €-4k
2021: €7k
2023: €-13k
2024: €12k
2020 → 2025
Working capital
€26k▲ 112%
2024 · €12k
2020: €1k
2021: €8k
2023: €699
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€1k-€8k▲ 506%€699▼ 91.4%€12k▲ 1,681%€26k▲ 112%
Operating result€-4k-€7k€-12k€12k€14k▲ 19.6%
Net result€-4k-€7k€-13k€12k€14k▲ 19.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €39k
Equity
€26k▲ 112%
Debt
€13k▲ 144%
The debt ratio rises from 29.8% to 32.7%. Equity and debt are higher.
Key figures and ratios
Solvency
67.3%▼
2024 · 70.2%
Current ratio
3.06▼
2024 · 3.36
Quick ratio
2.89▼
2024 · 3.36
Debt / equity
0.49▲
2024 · 0.42
ROE
52.9%▼
2024 · 94.4%
ROA
35.6%▼
2024 · 66.3%
Debt
€13k▲
2024 · €5k
Debt ≤ 1 year
€13k▲
2024 · €5k
Staff costs
€9k
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€18k€39k▲
Current assets29/58€18k€39k▲
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€949€28k▲
Other amounts receivable41€949€28k▲
Cash at bank and in hand54/58€17k€9k▼
Equity and liabilities
Total equity and liabilities10/49€18k€39k▲
Equity10/15€12k€26k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€7k€21k▲
Amounts payable17/49€5k€13k▲
Amounts payable within one year42/48€5k€13k▲
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45-€2k
Taxes450/3-€58
Remuneration and social security454/9-€2k
Other amounts payable47/48€637-
Income statement
Code20242025
Remuneration, social security and pensions62-€9k
Gross operating margin9900€12k€23k▲
Operating profit (loss)9901€12k€14k▲
Financial charges65/66B€48€106▲
Recurring financial charges65€48€106▲
Profit (loss) for the period before taxes9903€12k€14k▲
Profit (loss) for the period9904€12k€14k▲
Profit (loss) for the period to be appropriated9905€12k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€21k▲
Profit (loss) brought forward from the previous period14P€-4k€7k▲
The notes to these accounts (2 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Highest result since 2020net €14k ▲19.2%
Operating result €14k, net result €14k, both a record.
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 138 days late
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.36
Current ratio from 1.15 to 3.36.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-13k ▼291%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
2022
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 97 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Namur · 1 establishment unit since 2019
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.
Avenue Joseph Abras(BL) 865001 NamurGround area
53 m²
Building footprint
98 m²
Volume, LiDAR
687 m³
Parcel 92010C0070/00V000, Wallonia · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAKERY FOR YOU
since 20192.296.983.754
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92010C0070/00V000 | Wallonia | 53 m² | 1 · 98 m² | 9.7 m · 2 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 siteNamur2.296.983.754
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Of 3,190 companies in sector 52250 we hold annual accounts for 1,956. 959 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2019
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
52250Logistics services
52290Warehousing and support activities for transportation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.