BakeSmarter
ActiveBakeSmarter has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €92k and a net result of €33k. Its solvency ranks better than 51% of 47 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2026
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability98▼-2
Solvency90▲+16
Growth52
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days only on tighter terms
Liquidity ample (current ratio 4.12 against 2.38 in 2025; short-term debt: 20.2% and cash: 56.6% of total assets), and 35.4% 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.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2026Solvency, return and age of the figures
Solvency
64.6%
Return on assets
23.1%
Age of the figures
3 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2026 was due by 31-01-2027 and was filed on 17-09-2026, 136 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2026
136 d early
2025
54 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, abbreviated schema
Equity
€92k▲ 55.7%
2025 · €59k
2025: €59k
2025 → 2026
Total assets
€142k▲ 17.3%
2025 · €121k
2025: €121k
2025 → 2026
Net result
€33k▼ 39.2%
2025 · €54k
2025: €54k
2025 → 2026
Working capital
€89k▲ 54.0%
2025 · €58k
2025: €58k
2025 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20252026Trend
Equity€59k-€92k▲ 55.7%
Operating result€75k-€47k▼ 37.2%
Net result€54k-€33k▼ 39.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 37% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €142k
Fixed assets
€24k▲ 13.9%
Current assets
€118k▲ 18.0%
Equity and liabilities €142k
Equity
€92k▲ 55.7%
Debt
€50k▼ 19.1%
The debt ratio falls from 51.3% to 35.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▼
2025 · €80k
Cash flow
€37k▼
2025 · €59k
Solvency
64.6%▲
2025 · 48.7%
Current ratio
4.12▲
2025 · 2.38
Quick ratio
4.07▲
2025 · 2.34
Debt / equity
0.55▼
2025 · 1.05
ROE
35.8%▼
2025 · 91.5%
ROA
23.1%▼
2025 · 44.5%
Interest coverage
31.94▼
2025 · 2018.14
Debt
€50k▼
2025 · €62k
Debt ≤ 1 year
€29k▼
2025 · €42k
Debt > 1 year
€20k=
2025 · €20k
Income taxes
€13k▼
2025 · €21k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€121k€142k▲
Fixed assets21/28€21k€24k▲
Tangible fixed assets22/27€21k€24k▲
Plant, machinery and equipment23€673€5k▲
Furniture and vehicles24€5k€5k▲
Other tangible fixed assets26€15k€13k▼
Current assets29/58€100k€118k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€30k€33k▲
Trade receivables40€30k€33k▲
Other amounts receivable41€166€166=
Cash at bank and in hand54/58€65k€80k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€121k€142k▲
Equity10/15€59k€92k▲
Contributions10/11€5k€5k=
Reserves13€54k€87k▲
Distributable reserves133€54k€87k▲
Amounts payable17/49€62k€50k▼
Amounts payable after more than one year17€20k€20k=
Financial debts170/4€20k€20k=
Amounts payable within one year42/48€42k€29k▼
Trade debts44€2k€0▼
Suppliers440/4€2k€0▼
Taxes, remuneration and social security45€27k€25k▼
Taxes450/3€27k€25k▼
Other amounts payable47/48€13k€3k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€533€814▲
Gross operating margin9900€81k€53k▼
Operating profit (loss)9901€75k€47k▼
Financial income75/76B€1€21▲
Recurring financial income75€1€21▲
Financial charges65/66B€40€2k▲
Recurring financial charges65€40€2k▲
Profit (loss) for the period before taxes9903€75k€46k▼
Income taxes67/77€21k€13k▼
Profit (loss) for the period9904€54k€33k▼
Profit (loss) for the period to be appropriated9905€54k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€33k▼
Transfer to equity691/2€54k€33k▼
To other reserves6921€54k€33k▼
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
Next filing, fiscal year 2027, expected by
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
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, Zele · 1 establishment unit since 2024
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.
Kouterbosstraat 339240 ZeleGround area
625 m²
Building footprint
118 m²
Volume, LiDAR
756 m³
Parcel 42403D0919/00K000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BakeSmarter
since 20242.359.866.280
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42403D0919/00K000 | Flanders | 625 m² | 1 · 118 m² | 9.8 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.
Similar companies · same sector, comparable size
IGW CONSULTING
BE 0746.805.473
Ath · Eq €92k
GIHANA IT SERVICES SOLUTIONS
BE 0803.933.228
Overijse · Eq €92k
PictA-consult
BE 0881.095.441
Ternat · Eq €92k
Infinitech
BE 1012.342.775
Hamme (Vl.) · Eq €92k
ORGANICA
BE 0464.744.519
Ukkel · Eq €91k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,395. 15,594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2024
Fiscal year end30-06
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
46389Wholesale of other food products
46832Wholesale of timber
47522Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.