BAKKERIJ DE SCHUTTER
ActiveBAKKERIJ DE SCHUTTER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €510k and a net result of €106k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 71% of 795 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-5
Solvency79▼-8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 1.9 against 2.27 in 2024; short-term debt: 41.4% and cash: 8.6% of total assets), and 46% 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
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 · 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
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
54%
Return on assets
11.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-10-2025, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
10 d early
2023
on the day
2022
4 d early
2021
4 d late
2020
124 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€510k▼ 25.5%
2024 · €685k
2019: €469k
2020: €545k
2021: €485k
2022: €576k
2023: €744k
2024: €685k
2019 → 2025
Total assets
€945k▼ 14.6%
2024 · €1.11M
2019: €812k
2020: €867k
2021: €903k
2022: €842k
2023: €1.03M
2024: €1.11M
2019 → 2025
Net result
€106k▼ 37.5%
2024 · €169k
2019: €68k
2020: €76k
2021: €113k
2022: €91k
2023: €168k
2024: €169k
2019 → 2025
Working capital
€352k▼ 31.0%
2024 · €509k
2019: €310k
2020: €397k
2021: €338k
2022: €433k
2023: €616k
2024: €509k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€485k-€576k▲ 18.8%€744k▲ 29.1%€685k▼ 7.9%€510k▼ 25.5%
Operating result€165k-€116k▼ 29.8%€233k▲ 101%€234k▲ 0.5%€138k▼ 41.2%
Net result€113k-€91k▼ 19.5%€168k▲ 84.1%€169k▲ 0.7%€106k▼ 37.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 41% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €945k
Fixed assets
€202k▲ 3.1%
Current assets
€743k▼ 18.4%
Equity and liabilities €945k
Equity
€510k▼ 25.5%
Debt
€435k▲ 3.0%
The debt ratio rises from 38.1% to 46.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€176k▼
2024 · €272k
Cash flow
€144k▼
2024 · €207k
Solvency
54.0%▼
2024 · 61.9%
Current ratio
1.90▼
2024 · 2.27
Quick ratio
1.90▼
2024 · 2.27
Debt / equity
0.85▲
2024 · 0.62
ROE
20.7%▼
2024 · 24.7%
ROA
11.2%▼
2024 · 15.3%
Interest coverage
29.19▼
2024 · 75.24
Debt
€435k▲
2024 · €422k
Debt ≤ 1 year
€391k▼
2024 · €401k
Debt > 1 year
€44k▲
2024 · €21k
Income taxes
€45k▼
2024 · €75k
Staff costs
€204k▲
2024 · €197k
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€1.11M€945k▼
Fixed assets21/28€196k€202k▲
Tangible fixed assets22/27€196k€202k▲
Land and buildings22€95k€83k▼
Plant, machinery and equipment23€87k€109k▲
Furniture and vehicles24€1k€3k▲
Other tangible fixed assets26€13k€7k▼
Current assets29/58€910k€743k▼
Amounts receivable after more than one year29€454k€454k=
Other amounts receivable291€454k€454k=
Amounts receivable within one year40/41€342k€196k▼
Trade receivables40€302k€13k▼
Other amounts receivable41€41k€183k▲
Cash at bank and in hand54/58€106k€81k▼
Deferred charges and accrued income490/1€8k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.11M€945k▼
Equity10/15€685k€510k▼
Contributions10/11€6k€6k=
Reserves13€678k€504k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€678k€504k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Pensions and similar obligations160€0-
Amounts payable17/49€422k€435k▲
Amounts payable after more than one year17€21k€44k▲
Financial debts170/4€21k€44k▲
Amounts payable within one year42/48€401k€391k▼
Current portion of amounts payable after more than one year42€14k€22k▲
Financial debts43€63k€667▼
Credit institutions430/8€63k€667▼
Trade debts44€57k€62k▲
Suppliers440/4€57k€62k▲
Taxes, remuneration and social security45€27k€26k▼
Taxes450/3€6k€737▼
Remuneration and social security454/9€21k€25k▲
Other amounts payable47/48€240k€280k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€197k€204k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€38k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-65k€0▲
Other operating charges640/8€7k€5k▼
Gross operating margin9900€411k€385k▼
Operating profit (loss)9901€234k€138k▼
Financial income75/76B€14k€19k▲
Recurring financial income75€14k€19k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€244k€150k▼
Income taxes67/77€75k€45k▼
Profit (loss) for the period9904€169k€106k▼
Profit (loss) for the period to be appropriated9905€169k€106k▼
Appropriation of the result
Profit (loss) to be appropriated9906€169k€106k▼
Transfer from equity791/2€228k€280k▲
Transfer to equity691/2€169k€106k▼
To other reserves6921€169k€106k▼
Profit to be distributed694/7€228k€280k▲
Return on contributions (dividend)694€228k€280k▲
Social balance
Average headcount (FTE)90876.26.2=
The notes to these accounts (10 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
2025
27-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Highest result since 2019net €169k ▲0.7%
Operating result €234k, net result €169k, both a record.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
31-03
Financial
Equity above €500kEq €576k ▲18.8%
4 profitable years in a row build equity to €576k.
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
04-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 124 days late
2020
31-03
Financial
Equity above €500kEq €545k ▲16.2%
2 profitable years in a row build equity to €545k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wommelgem · 1 establishment unit since 2007
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.
Kerkplaats 202160 WommelgemGround area
975 m²
Building footprint
408 m²
Volume, LiDAR
1,751 m³
Parcel 11052C0296/00P000, Flanders · tallest building 8.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bakkerij De Schutter
since 20072.164.468.688
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0296/00P000 | Flanders | 975 m² | 1 · 408 m² | 8.2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteWommelgem2.164.468.688
Dual-learning approval
1 live approvalBrood- en banketbakkerij duaal (so)
Similar companies · same sector, comparable size
MEEUS
BE 0446.403.896
Kasterlee · Eq €491k
PATACHOU
BE 0885.540.714
Juprelle · Eq €484k
ROYAL BISCUITS
BE 0702.859.723
Wuustwezel · Eq €538k
BARAT
BE 0630.999.549
Ukkel · Eq €542k
Jens Bertouille
BE 0677.877.867
Opwijk · Eq €478k
Of 511 companies in sector 10711 we hold annual accounts for 329. 210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2007
Fiscal year end31-03
Activities, NACEBEL
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
15811
15812
10720Manufacture of food products
15820
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.