Bakker Gert
ActiveBakker Gert has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 20% of 794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency8▲+6
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.54 against 0.44 in 2024), and 89.6% 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 · 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 · 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
10.4%
Return on assets
7.6%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 794 sector peers (2025).
NBB · sector comparisonPosition among 794 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
14 d early
2023
26 d early
2022
20 d early
2021
25 d early
2020
29 d early
2019
42 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€51k▲ 275%
2024 · €14k
2018: €48k
2019: €29k
2020: €40k
2021: €75k
2022: €73k
2023: €-2k
2024: €14k
2018 → 2025
Total assets
€492k▼ 5.6%
2024 · €521k
2018: €605k
2019: €561k
2020: €566k
2021: €575k
2022: €626k
2023: €555k
2024: €521k
2018 → 2025
Net result
€38k▲ 142%
2024 · €16k
2018: €10k
2019: €-19k
2020: €10k
2021: €36k
2022: €-3k
2023: €-75k
2024: €16k
2018 → 2025
Working capital
€-76k▲ 29.0%
2024 · €-107k
2018: €-83k
2019: €-75k
2020: €-77k
2021: €-40k
2022: €-43k
2023: €-122k
2024: €-107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€75k-€73k▼ 3.4%€-2k€14k€51k▲ 275%
Operating result€64k-€24k▼ 62.9%€-57k€33k€54k▲ 62.4%
Net result€36k-€-3k€-75k▼ 2,855%€16k€38k▲ 142%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €492k
Fixed assets
€401k▼ 8.1%
Current assets
€90k▲ 7.6%
Equity and liabilities €492k
Equity
€51k▲ 275%
Debt
€440k▼ 13.1%
The debt ratio falls from 97.4% to 89.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€95k▲
2024 · €76k
Cash flow
€78k▲
2024 · €58k
Solvency
10.4%▲
2024 · 2.6%
Current ratio
0.54▲
2024 · 0.44
Quick ratio
0.44▲
2024 · 0.37
Debt / equity
8.59▼
2024 · 37.11
ROE
73.4%▼
2024 · 113.9%
ROA
7.6%▲
2024 · 3.0%
Interest coverage
5.57▲
2024 · 4.36
Debt
€440k▼
2024 · €507k
Debt ≤ 1 year
€167k▼
2024 · €191k
Debt > 1 year
€274k▼
2024 · €316k
Income taxes
€729▲
2024 · €256
Staff costs
€58k▲
2024 · €34k
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€521k€492k▼
Fixed assets21/28€437k€401k▼
Tangible fixed assets22/27€434k€398k▼
Land and buildings22€427k€392k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€2k€588▼
Financial fixed assets28€2k€3k▲
Current assets29/58€84k€90k▲
Stocks and contracts in progress3€13k€17k▲
Stocks30/36€13k€17k▲
Amounts receivable within one year40/41€30k€44k▲
Trade receivables40-€17k
Other amounts receivable41€30k€27k▼
Cash at bank and in hand54/58€36k€28k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€521k€492k▼
Equity10/15€14k€51k▲
Contributions10/11€6k€6k=
Reserves13€7k€45k▲
Distributable reserves133€7k€45k▲
Amounts payable17/49€507k€440k▼
Amounts payable after more than one year17€316k€274k▼
Financial debts170/4€316k€274k▼
Amounts payable within one year42/48€191k€167k▼
Current portion of amounts payable after more than one year42€112k€112k=
Trade debts44€55k€35k▼
Suppliers440/4€55k€35k▼
Taxes, remuneration and social security45€25k€20k▼
Taxes450/3€4k€827▼
Remuneration and social security454/9€20k€19k▼
Income statement
Code20242025
Remuneration, social security and pensions62€34k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€41k▼
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A-€9k
Gross operating margin9900€113k€165k▲
Operating profit (loss)9901€33k€54k▲
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€17k€17k▼
Recurring financial charges65€17k€17k▼
Profit (loss) for the period before taxes9903€16k€38k▲
Income taxes67/77€256€729▲
Profit (loss) for the period9904€16k€38k▲
Profit (loss) for the period to be appropriated9905€16k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€38k▲
Profit (loss) brought forward from the previous period14P€-10k€0▲
Transfer to equity691/2€6k€38k▲
To other reserves6921€6k€38k▲
Social balance
Average headcount (FTE)90871.11.3▲
The notes to these accounts (23 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €38k ▲142%
Net result €38k, the highest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €16k
Net result €16k after 2 loss-making years.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Rijkevorsel · 1 establishment unit since 2014
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.
Oostmalsesteenweg 792310 RijkevorselGround area
789 m²
Building footprint
371 m²
Volume, LiDAR
1,910 m³
Parcel 13502E0165/00L002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bakker Gert
since 20142.228.265.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13502E0165/00L002 | Flanders | 788 m² | 1 · 371 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 601 EUR awarded · 601 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 206 EUR | 206 EUR |
| 2023 | 1 | 206 EUR | 206 EUR |
| 2022 | 1 | 189 EUR | 189 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteRijkevorsel2.228.265.390
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Of 4,229 companies in sector 10712 we hold annual accounts for 1,870. 1,540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-03-2014
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.