BAKKERIJ ALBERT
ActiveBAKKERIJ ALBERT has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €106. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 68% of 1526 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+69
Solvency77▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.86 in 2024; short-term debt: 41.9% and cash: 61.1% of total assets), and 48.5% 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 · 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 →
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
51.5%
Return on assets
0.1%
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 14-08-2026, 14 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
14 d late
2024
27 d early
2023
29 d late
2022
67 d late
2021
96 d late
2020
55 d late
2019
54 d late
← 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
€59k▲ 0.2%
2024 · €58k
2018: €53k
2019: €51k
2020: €65k
2021: €72k
2022: €98k
2023: €81k
2024: €58k
2018 → 2025
Total assets
€114k▼ 8.9%
2024 · €125k
2018: €99k
2019: €124k
2020: €127k
2021: €152k
2022: €226k
2023: €194k
2024: €125k
2018 → 2025
Net result
€106
2024 · €-23k
2018: €-3k
2019: €-3k
2020: €14k
2021: €8k
2022: €26k
2023: €-17k
2024: €-23k
2018 → 2025
Working capital
€41k▲ 8.5%
2024 · €37k
2018: €66k
2019: €44k
2020: €52k
2021: €58k
2022: €75k
2023: €63k
2024: €37k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€98k▲ 35.8%€81k▼ 17.6%€58k▼ 28.0%€59k▲ 0.2%
Operating result€15k-€39k▲ 154%€-17k€-21k▼ 26.0%€877
Net result€8k-€26k▲ 239%€-17k€-23k▼ 30.9%€106
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €877 after a loss of €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€25k▼ 41.8%
Current assets
€88k▲ 8.8%
Equity and liabilities €114k
Equity
€59k▲ 0.2%
Debt
€55k▼ 16.9%
The debt ratio falls from 53.1% to 48.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19k▲
2024 · €-2k
Cash flow
€18k▲
2024 · €-4k
Solvency
51.5%▲
2024 · 46.9%
Current ratio
1.85▼
2024 · 1.86
Quick ratio
1.67▲
2024 · 1.62
Debt / equity
0.94▼
2024 · 1.13
ROE
0.2%▲
2024 · -38.8%
ROA
0.1%▲
2024 · -18.2%
Interest coverage
21.70▲
2024 · -1.56
Debt
€55k▼
2024 · €66k
Debt ≤ 1 year
€48k▲
2024 · €44k
Debt > 1 year
€7k▼
2024 · €23k
Income taxes
€252▼
2024 · €276
Staff costs
€51k▲
2024 · €49k
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€125k€114k▼
Fixed assets21/28€44k€25k▼
Tangible fixed assets22/27€44k€25k▼
Plant, machinery and equipment23€5k€703▼
Furniture and vehicles24€39k€25k▼
Current assets29/58€81k€88k▲
Stocks and contracts in progress3€11k€9k▼
Stocks30/36€11k€9k▼
Amounts receivable within one year40/41€5k€9k▲
Other amounts receivable41€5k€9k▲
Cash at bank and in hand54/58€64k€69k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€125k€114k▼
Equity10/15€58k€59k▲
Contributions10/11€19k€19k=
Reserves13€26k€26k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€13k€14k▲
Amounts payable17/49€66k€55k▼
Amounts payable after more than one year17€23k€7k▼
Financial debts170/4€23k€7k▼
Amounts payable within one year42/48€44k€48k▲
Current portion of amounts payable after more than one year42€18k€15k▼
Trade debts44€14k€14k▼
Suppliers440/4€14k€14k▼
Taxes, remuneration and social security45€12k€19k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€9k€16k▲
Income statement
Code20242025
Remuneration, social security and pensions62€49k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€16k€13k▼
Gross operating margin9900€63k€83k▲
Operating profit (loss)9901€-21k€877▲
Financial income75/76B€79€360▲
Recurring financial income75€79€360▲
Financial charges65/66B€2k€879▼
Recurring financial charges65€2k€879▼
Profit (loss) for the period before taxes9903€-22k€358▲
Income taxes67/77€276€252▼
Profit (loss) for the period9904€-23k€106▲
Profit (loss) for the period to be appropriated9905€-23k€106▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€14k▲
Profit (loss) brought forward from the previous period14P€36k€13k▼
The notes to these accounts (7 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €106
Net result €106 after 2 loss-making years.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-23k
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Highest result since 2018net €26k ▲239%
Operating result €39k, net result €26k, both a record.
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 96 days late
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 55 days late
2020
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
09-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 9 days late
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, Hasselt · 1 establishment unit since 1980
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.
Leopold III-straat 133724 HasseltGround area
536 m²
Building footprint
358 m²
Volume, LiDAR
1,752 m³
Parcel 73090D0386/00V000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Leopold III-straat 13, 3724 Hasselt
since 19802.035.284.286
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73090D0386/00V000 | Flanders | 536 m² | 1 · 358 m² | 9.8 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteHasselt2.035.284.286
Similar companies · same sector, comparable size
QADO
BE 1012.070.284
Antwerpen · Eq €58k
BAKKERIJ SEYEN
BE 0849.746.130
Tessenderlo-Ham · Eq €59k
Tarterie Li-Ja
BE 0655.665.956
Kortrijk · Eq €59k
PHIGER
BE 1016.402.721
Mons · Eq €59k
Investissements Belgian & Bakery
BE 0735.985.124
Engis · Eq €58k
Of 4,228 companies in sector 10712 we hold annual accounts for 1,870. 1,558 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-09-1980
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 45 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.