BAKKERIJ CARL

Active

Private limited companyfounded 1998active for 28 yearsPutsesteenweg 59-61, 2820 Bonheiden, BelgiumKBO/BCE: BE 0462.557.564

From the official registers: KBO 27 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

BAKKERIJ CARL has been active since 1998 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €956,043 and a net result of -€66,685. Equity remains stable across the filed financial years (±0.8% per year). Its solvency ranks better than 23% of 788 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisFollow Report Compare

BAKKERIJ CARLActiveChecked score 69/100

Risk analysis Report Compare

Official details

KBO

Status: Active since 06-02-1998 Normal situation
Legal form: Private limited company
Registered office: Putsesteenweg 59-61, 2820 Bonheiden
Activity: Artisanal bread and fresh pastry making NACE 10712
Establishment units: 9 establishment units
Financial year end: 31 December
Peppol: Reachable since 02-12-2025

Company details

Who decides

Board

Artisan Food Solutions BVDirector · since 30-07-2020
Wendy LambrechtsDirector · since 09-09-2021
SILLIS CONSULTINGDirector · since 28-09-2022 · permanent representative SILLIS Peter

Auditor: Moore Audit

Shareholders

Board & ownership

How it is doing

69 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.6%

Annual accounts 2025

Turnover: €14.1m; ▲ 7.8%
Loss: €66,685
Equity: €956,043; ▼ 6.5%
Total assets: €5.2m; ▲ 33.1%
Staff: 72.2 FTE; ▲ 4.9%

2025 accounts 24 days early

Filed on 07-07-2026at the National Bank

Financials

Why 69raises riskSector: Manufacture of food products (NACE 10)Equity €956,043 (18.5% of total assets)Loss of €66,685 (financial year 2025)lowers riskFounded in 1998Show the evidence

Checked score

Score 2025

69 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 36% of its sector peers (NACE 10, medium-sized)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 43-8

equity 18.5% of total assets

Liquidity 41+1

short-term debt 47.1% · cash 11.5%

Profitability 54-5

return on assets -1.3%

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (226 companies, NACE 10, medium-sized)

Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.5%▲ +0.1 percentage points vs 02-2025 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.2 percentage points vs 06-2025 08-2025: 1.2%▲ +0.5 percentage points vs 07-2025highest value 09-2025: 0.3%▼ -0.9 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025 02-2026: 0.3%● unchanged vs 01-2026lowest value 03-2026: 0.4%▲ +0.1 percentage points vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.4%● unchanged vs 06-2026 08-2026: 0.6%▲ +0.2 percentage points vs 07-2026 09-2026: 0.6%● unchanged vs 08-2026 10-2026: 0.6%● unchanged vs 09-2026

Credit of up to €65,000 on 30-day terms is acceptable

Liquidity tight (current ratio 1.01, compared with 0.87 in 2024, below the usual 1.5; short-term debt: 47.1% and cash: 11.5% of total assets), and 81.5% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 10, medium-sized): better than 21% on solvency, 59% on liquidity, 21% on profitability and 41% on growth.

The bankruptcy probability was computed on 31-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Sector: Manufacture of food products (NACE 10)

KBO

Equity €956,043 (18.5% of total assets)

NBB · annual accounts

Loss of €66,685 (financial year 2025)

NBB · annual accounts

Founded in 1998

Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 788 sector peers (2025).

NBB · sector comparison

Position among 788 sector peers

Solvency

better than 23%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

24 days early

2024

on the day

2023

13 days early

2022

6 days early

2021

31 days late

2020

45 days early

2019

81 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 3 days after the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 25 July (4 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

01-11-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

Key points

Caution: From profit to loss in 2025after €83,254 in 2024 -€66,685 View
Positive: Largest employer in Bonheidenin the Checked rankings No. 1 View
Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

Documents

Key facts about BAKKERIJ CARL

What is the company number of BAKKERIJ CARL?: 0462.557.564. In Belgium the VAT number is the company number with BE in front: BE 0462.557.564.
Where is BAKKERIJ CARL based?: The registered office is at Putsesteenweg 59-61, 2820 Bonheiden.Company details
What does BAKKERIJ CARL do?: According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
What is the legal form of BAKKERIJ CARL?: Private limited company (BV).
When was BAKKERIJ CARL founded?: On 06-02-1998.
Is BAKKERIJ CARL still active?: Yes, BAKKERIJ CARL is an active enterprise in the KBO register.
How many employees does BAKKERIJ CARL have?: On average 72.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of BAKKERIJ CARL?: €14.1m in financial year 2025, according to the filed annual accounts.
Is BAKKERIJ CARL profitable?: In financial year 2025, BAKKERIJ CARL made a loss of €66,685.
Where can I find the annual accounts of BAKKERIJ CARL?: BAKKERIJ CARL filed 27 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of BAKKERIJ CARL due?: By 31-07-2027, for financial year 2026.Timeline