Skip to content

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 has been stable since 2018 (±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).

Overview

Official details

KBO
Status
Active since 06-02-1998 Normal situation
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

Board and ownership

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

Financial position

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%
Filed on 07-07-2026, 24 days before the deadlineat the National Bank
Score breakdownraises 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 stronger than 36% of medium-sized companies in food products (NACE 10)
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 within 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 is tight, with a current ratio of 1.01 (0.87 in 2024), below the usual 1.5. Short-term debt is 47.1% and cash 11.5% of total assets. 81.5% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 21% of them 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
raises risk · Equity €956,043 (18.5% of total assets)
NBB · annual accounts
raises risk · Loss of €66,685 (financial year 2025)
NBB · annual accounts
lowers risk · Founded in 1998
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Weak solvency compared with the 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 →
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 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

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

Searched, nothing found (2)
neutral · 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 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: From profit to loss in 2025after a profit of €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

Comparable companies

These companies have the same main activity as BAKKERIJ CARL: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €5.7m and €12m, founded between 1980 and 2011.

CompanyTotal assetsTurnover
BAKKERIJ CARL Bonheiden€5.2m€14.1m
PANIBEL Ans€6.5m€11.6m
LOCUS Dilbeek€6.2m€9.6m
LE PAIN D'ANTAN Gembloux€8.1m€14.7m
HET BROOD Hoegaarden€5.7m€10.3m
BAKKERIJ RANSON - CANNIERE Tielt€7.3m€21.6m
Broodbakkers Cleirbaut Bonheiden€12.0m€20.0m
Full comparison

Documents

Annual accounts at the NBB

All 27 annual accounts

Articles and registers

Key facts about BAKKERIJ CARL

What is the company number of BAKKERIJ CARL?
The company number of BAKKERIJ CARL is 0462.557.564. The VAT number is the same 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?
The legal form of BAKKERIJ CARL is Private limited company (BV).
When was BAKKERIJ CARL founded?
BAKKERIJ CARL was 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?
BAKKERIJ CARL had an average of 72.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of BAKKERIJ CARL?
The turnover of BAKKERIJ CARL was €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?
BAKKERIJ CARL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.