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BAKKERIJ CARL

Active
Private limited companyfounded 1998active for 28 yearsPutsesteenweg 59-61, 2820 Bonheiden, BelgiumKBO/BCE: BE 0462.557.564
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 ReportCompare
BAKKERIJ CARLActiveChecked score 69/100
Risk analysis ReportCompare

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
Largest employer in Bonheiden9 sites
Size
€14.1mturnover 2025
Staff
72.2 FTE
Equity
€956,043
Loss
-€66,685
Financial health
69 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.6%
Structure
Parent
Artisan Food Solutions · 80%
Auditor: Moore Audit2025 accounts 24 days early3 of 7 deeds summarised
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 35% 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 29-10-2026 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
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 its profile.
KBO
raises risk · 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 →
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

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)
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 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · full…
  2. Resignations & appointmentsPower of attorney
  3. Annual accounts filedfinancial year 2024 · full…

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
  • Controlled by Artisan Food Solutionsknown shareholders 100% 80% View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Turnover
€14.1m
Loss
-€66,685
Solvency
18.5%
Turnover▲ 7.8%
Net result
20242025
Go to Financials

Board & ownership

Board
2 members
Parent
Artisan Food Solutions · 80%
Known shareholders
100%
Auditor
Moore Audit
  • Wendy LambrechtsDirector
  • SILLIS CONSULTINGDirector
Go to Board & ownership

Timeline

Events
34
Since
2000
Next accounts
by 31-07-2027
  1. 31-12-2024Equity above €1m
  2. 17-10-2024Appointments: Moore Audit BV (statutory auditor) and…
  3. 18-07-2024Annual accounts filed
Go to Timeline

Company details

Sites
9
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
06-02-1998
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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.
When are the next annual accounts of BAKKERIJ CARL due?
By 31-07-2027, for financial year 2026.Timeline

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