Checked.be
Active
BE 0844.560.786Private limited company (pre-2019)
BAKKERIJ DU CROISSANT
Pastoor Cooremansstraat 3 ·1702 Dilbeek, Belgium· 14 yrs active
Sector: Artisanal bread and fresh pastry making
(10712)
Conclusion
BAKKERIJ DU CROISSANT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €5k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 73% of 1488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Based on the State Gazette, CBE and 6 annual accounts.
Key figures
| Equity | €32k |
| Net result | €5k |
| Better than sector | 73% |
| Active | 14 yrs |
Financial profile
85
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
85
Profitability
83
Solvency
98
Growth
58
Stability
100
Bankruptcy probability (12 mo)
Risk Assessment
0 / 100
Low riskTrust signals
Established
Founded in 2012, 14 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Checked score
85
/ 100
Excellent
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Indicative credit limit
€3k
estimate, not credit advice
Score history
68
2020
86
2021
62
2022
47
2023
93
2024
85
2025
purely financial, excl. current insolvency signals
Score components
Liquidity
Current ratio 2.39 (≥ 1.5)
+10
Quick ratio
Quick ratio 2.26 (≥ 1.0)
+5
Leverage
Debt/equity 0.71 (< 1.0)
+10
Profitability
ROE 17% (≥ 10%)
+10
Profit trend
Net profit down YoY
-3
Equity growth
Equity growing YoY
+3
Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Financial overview
Annual accounts filed on 11-07-2026 with the NBB · fiscal year 2025 · micro schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
stable
Equity: stable across 6 fiscal years (±1.9%/year).
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 10, Manufacture of food products · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 58.6% | 32.7% | |
| Net result | €5k | €8k | |
| Equity | €32k | €54k | |
| Gross operating margin | €27k | €81k | |
| Staff costs | €21k | €75k |
€8k
+84.1%
20-25
€5k
-50.9%
20-25
€1k
-51.5%
20-25
€55k
-1.8%
20-25
€32k
+0.6%
20-25
€32k
+0.6%
20-25
€21k
-16.6%
20-25
€511
-90.8%
20-25
€23k
-5.0%
20-25
€23k
-5.0%
20-25
2.39
+3.3%
20-25
2.26
+3.2%
20-25
58.6%
+2.4%
20-25
0.71
-5.5%
20-25
16.7%
-51.1%
20-25
9.8%
-49.9%
20-25
10.69
-
20-25
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Deposit | micro schema | micro schema | micro schema | micro schema | micro schema |
| Revenue | - | - | - | - | - |
| EBITDA | - | - | - | - | €8k |
| Net profit | €5k | €11k | €-9k | €-6k | €1k |
| Cash flow | - | - | - | - | €1k |
| Staff costs | €21k | €26k | €21k | - | - |
| Income taxes | - | - | - | €511 | €6k |
| Dividends | - | - | - | - | - |
| Total assets | €55k | €56k | €69k | €53k | €56k |
| Equity | €32k | €32k | €21k | €30k | €36k |
| Debt | €23k | €24k | €47k | €23k | €21k |
| of which ≤ 1y | €23k | €24k | €47k | €20k | €19k |
| of which > 1y | - | - | - | - | - |
| Working capital | €32k | €32k | €21k | €33k | €37k |
| Employees (FTE) | - | - | - | - | - |
Ratios (computed)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Current ratio | 2.39 | 2.32 | 1.44 | 2.63 | 3.00 |
| Quick ratio | 2.26 | 2.19 | 1.37 | 2.52 | 2.93 |
| Working capital ratio | 57.7% | 56.3% | 30.2% | 61.3% | 66.1% |
| Solvency | 58.6% | 57.2% | 30.9% | 56.6% | 63.5% |
| Debt / equity | 0.71 | 0.75 | 2.24 | 0.77 | 0.58 |
| Long-term debt ratio | - | - | - | - | - |
| Interest coverage | - | - | - | - | 10.69 |
| Gross margin | - | - | - | - | - |
| Net margin | - | - | - | - | - |
| ROA | 9.8% | 19.5% | -13.0% | -10.7% | 1.8% |
| ROE | 16.7% | 34.1% | -42.1% | -18.9% | 2.9% |
| EBITDA margin | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - |
| Days inventory (DSI) | - | - | - | - | - |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet, Assets | ||||||
| TOTAL ASSETS | 20/58 | €55k | €56k | €69k | €53k | €56k |
| Fixed assets | 21/28 | €500 | €500 | €500 | €500 | €500 |
| Financial fixed assets | 28 | €500 | €500 | €500 | €500 | €500 |
| Current assets | 29/58 | €55k | €56k | €68k | €53k | €56k |
| Stocks & contracts in progress | 3 | €3k | €3k | €3k | €2k | €1k |
| Amounts receivable within one year | 40/41 | €18k | €23k | €21k | €3k | €15k |
| Cash & bank | 54/58 | €34k | €29k | €44k | €36k | €25k |
| Balance sheet, Equity & liabilities | ||||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €55k | €56k | €69k | €53k | €56k |
| Equity | 10/15 | €32k | €32k | €21k | €30k | €36k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k | €19k |
| Reserves | 13 | €2k | €2k | €2k | €17k | €17k |
| Accumulated profits (losses) | 14 | €12k | €12k | €712 | €-6k | - |
| Amounts payable | 17/49 | €23k | €24k | €47k | €23k | €21k |
| Amounts payable within one year | 42/48 | €23k | €24k | €47k | €20k | €19k |
| Trade debts payable within one year | 44 | €23k | €24k | €47k | €6k | €4k |
| Income statement | ||||||
| Gross operating margin | 9900 | €27k | €39k | €13k | €-2k | €10k |
| Operating result | 9901 | €6k | €11k | €-9k | €-4k | €7k |
| Financial income | 75 | €58 | - | - | - | €0 |
| Financial charges | 65 | €537 | €166 | €366 | €1k | €710 |
| Result before taxes | 9903 | €5k | €11k | €-9k | €-5k | €7k |
| Income taxes | 67/77 | - | - | - | €511 | €6k |
| Net result for the period | 9904 | €5k | €11k | €-9k | €-6k | €1k |
| Result to be appropriated | 9905 | €5k | €11k | €-9k | €-6k | €1k |
Legal Structure
| NACE primary | Artisanal bread and fresh pastry making(10712) |
| Legal form | Private limited company (pre-2019)(015) |
| Incorporation | 20-03-2012 |
| Status | Active |
| Postal code | 1702 |
Establishment units
Bakkerij du croissant
since 20142.232.238.729
Real-estate footprint
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23026A0132/00G006 | Flanders | 4,983 m² | 1 · 2,316 m² | - |
| 21007A0024/00K006 | Brussels | 68 m² | 1 · 68 m² | 19.2 m · 6 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
Next filing, fiscal year 2026, expected by
2026
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 91 days late
2024
31-12
Financial
Back to profitnet €11k
Net result €11k after 2 loss-making years.
30-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 152 days late
2023
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
20-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 51 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Belgian State Gazette reading coverage
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Credit advice
Company registry (CBE)
Activities
Artisanal bread and fresh pastry making10712Retail sale of bread and pastry (bakery outlets)47241
Names & trade names
| Legal nameFR | BAKKERIJ DU CROISSANT |
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