BAKKERIJ BERTH

Active

Private limited companyfounded 20206 yrs activeReepstraat 33, 9660 Brakel, BelgiumKBO/BCE: BE 0742.679.114

The computed 12-month bankruptcy probability of BAKKERIJ BERTH is 2.7% (moderate). The 2025 annual accounts show negative equity (€-13k) and a net result of €-2k. Equity is shrinking by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 16% of 1543 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

39 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability66▼-3

Solvency12▼-5

Growth32=

Track record100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.22 against 0.29 in 2024; short-term debt: 113.3% and cash: 17.3% of total assets), and equity is negative.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

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 →

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 2025

Solvency, return and age of the figures

Solvency

-13.3%

Return on assets

-1.9%

Age of the figures

12 mo

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

2122232425

2021 to 2025 · latest year €-13k

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

on the day

2024

on the day

2023

54 d early

2022

58 d late

2021

1 d early

← before the deadline after the deadline →

The next deadline is still running

The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

21-09-2026 today30-09-2026 close30-04-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€-13k▼ 16.5%

2024 · €-12k

2021: €11k 2022: €12k 2023: €-12k 2024: €-12k

2021 → 2025

Total assets

€102k▼ 26.6%

2024 · €138k

2021: €181k 2022: €127k 2023: €114k 2024: €138k

2021 → 2025

Net result

€-2k

2024 · €757

2021: €1k 2022: €1k 2023: €-25k 2024: €757

2021 → 2025

Working capital

€-89k▲ 14.9%

2024 · €-105k

2021: €-141k 2022: €-107k 2023: €-123k 2024: €-105k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€11k-€12k▲ 10.8%€-12k€-12k▲ 6.1%€-13k▼ 16.5%

Operating result€2k-€5k▲ 259%€-24k€1k€-2k

Net result€1k-€1k▲ 9.5%€-25k€757€-2k

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €2k after €1k in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €102k

74.8%

25.2%

Fixed assets €76k▼ 20.9%

Current assets €26k▼ 39.5%

Key figures and ratios

2025 value · change against 2024

EBITDA

€25k▼

2024 · €39k

Cash flow

€25k▼

2024 · €39k

Solvency

-13.3%▼

2024 · -8.4%

Current ratio

0.22▼

2024 · 0.29

Quick ratio

0.18▼

2024 · 0.28

Debt / equity

-8.53▲

2024 · -12.95

ROA

-1.9%▼

2024 · 0.5%

Interest coverage

149.81▼

2024 · 226.97

Debt

€115k▼

2024 · €150k

Debt ≤ 1 year

€115k▼

2024 · €147k

Income taxes

€144▲

2024 · €77

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€138k€102k▼

Fixed assets21/28€96k€76k▼

Intangible fixed assets21€28k€23k▼

Tangible fixed assets22/27€69k€53k▼

Plant, machinery and equipment23€24k€14k▼

Furniture and vehicles24€480€268▼

Other tangible fixed assets26€44k€39k▼

Current assets29/58€42k€26k▼

Stocks and contracts in progress3€904€4k▲

Stocks30/36€904€4k▲

Amounts receivable within one year40/41€30k€3k▼

Trade receivables40€27k€1k▼

Other amounts receivable41€3k€2k▼

Cash at bank and in hand54/58€11k€18k▲

Deferred charges and accrued income490/1€719€335▼

Equity and liabilities

Total equity and liabilities10/49€138k€102k▼

Equity10/15€-12k€-13k▼

Contributions10/11€10k€10k=

Profit (loss) carried forward14€-22k€-23k▼

Amounts payable17/49€150k€115k▼

Amounts payable within one year42/48€147k€115k▼

Trade debts44€14k€13k▼

Suppliers440/4€14k€13k▼

Taxes, remuneration and social security45€417€568▲

Taxes450/3€417€568▲

Other amounts payable47/48€133k€101k▼

Accrued charges and deferred income492/3€3k-

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€27k▼

Other operating charges640/8-€3k

Gross operating margin9900€39k€29k▼

Operating profit (loss)9901€1k€-2k▼

Financial charges65/66B€172€169▼

Recurring financial charges65€172€169▼

Profit (loss) for the period before taxes9903€833€-2k▼

Income taxes67/77€77€144▲

Profit (loss) for the period9904€757€-2k▼

Profit (loss) for the period to be appropriated9905€757€-2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-22k€-23k▼

Profit (loss) brought forward from the previous period14P€-22k€-22k▲

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 3Filings 5

Next filing, fiscal year 2026, expected by 30-04-2027

2026

30-04

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-04

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

30-09

Financial Back to profitnet €757

Net result €757 after one loss-making year.

07-03

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

30-09

Financial Weakest financial yearnet €-25k ▼2147%

Net result drops to €-25k, the lowest in the series; recovery starts the following year.

27-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 58 days late

2022

30-09

Financial Highest result since 2021net €1k ▲9.5%

Operating result €5k, net result €1k, both a record.

29-04

NBB filing Annual accounts filed

fiscal year 2021 · 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, Brakel · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Reepstraat 339660 Brakel

Ground area

910 m²

Building footprint

233 m²

Volume, LiDAR

1,304 m³

Parcel 45012B1591/00C000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

BAKKERIJ BERTH

Reepstraat 33, 9660 BrakelManufacture of food products

since 20202.298.968.096

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
45012B1591/00C000	Flanders	910 m²	1 · 233 m²	8.5 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 · 1 entry · 135 EUR awarded · 135 EUR paid

Year	Entries	awarded	paid
2022	1	135 EUR	135 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 135 EUR · 135 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Brakel2.298.968.096

2 permissions

Toelating · Bakkerij · since 06-07-2023

Toelating · Beheerder automaten · since 06-07-2023

Similar companies · same sector, comparable size

Sint-Jans-Molenbeek · Eq €13k

Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 1,022 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded29-01-2020

Fiscal year end30-09

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

10711Manufacture of food products

10720Manufacture of food products

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.