Financials
- Financial year
- 2025
- Total assets
- €529,955
- Profit
- €23,995
- Solvency
- 4.7%
Bakkerij Finesse
ActiveSummary
The computed 12-month bankruptcy probability of Bakkerij Finesse is 2.7% (moderate). The 2025 annual accounts show equity of €24,995 and a net result of €23,995. Its solvency ranks better than 24% of 1,870 sector peers (NACE 10, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Artisanal bread and fresh pastry making
NACE 10712
4 sites
Size
€529,955total assets 2025
- Staff
- 7.7 FTE
- Equity
- €24,995
- Profit
- €23,995
Turnover not published (micro format)
Structure
Accounts filed 9 days late0 of 1 deed read
Why 50raises riskFounded in 2024Sector: Manufacture of food products (NACE 10)Equity €24,995 (4.7% of total assets)lowers riskSize: total assets €529,955Show the evidence
Checked score
Score 2025
50
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 27% of its sector peers (NACE 10, micro)
Financial strength
Weak
Solvency
30
equity 4.7% of total assets
Liquidity
6
short-term debt 90.4% · cash 4.6%
Profitability
74
return on assets 4.5%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
07-2025: 4.1%
08-2025: 4.1%● unchanged vs 07-2025
09-2025: 4.2%▲ +0.1 percentage points vs 08-2025
10-2025: 4.6%▲ +0.4 percentage points vs 09-2025
11-2025: 4.8%▲ +0.2 percentage points vs 10-2025
12-2025: 5.2%▲ +0.4 percentage points vs 11-2025
01-2026: 5.7%▲ +0.5 percentage points vs 12-2025
02-2026: 5.7%● unchanged vs 01-2026
03-2026: 5.7%● unchanged vs 02-2026
04-2026: 5.6%▼ -0.1 percentage points vs 03-2026
05-2026: 6.0%▲ +0.4 percentage points vs 04-2026
06-2026: 6.2%▲ +0.2 percentage points vs 05-2026
07-2026: 6.2%● unchanged vs 06-2026highest value
08-2026: 6.2%● unchanged vs 07-2026highest value
09-2026: 6.2%● unchanged vs 08-2026highest value
10-2026: 2.7%▼ -3.5 percentage points vs 09-2026lowest value
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.27; short-term debt: 90.4% and cash: 4.6% of total assets), and 95.3% of the assets are financed with debt.
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, micro): better than 22% on solvency, 5% on liquidity and 54% on profitability.
The bankruptcy probability was computed on 08-10-2026 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 risk+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 1870 sector peers (2025).
NBB · sector comparisonPosition among 1870 sector peers
Solvency
better than 24%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 09-02-2026, 9 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
9 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
Company details
- Sites
- 4
- Legal form
- Private limited company
- Activity
- Artisanal bread and fresh pastry makingNACE 10712
- Founded
- 18-06-2024
- Year ends
- 30-06
- Peppol
- Reachable for e-invoices
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