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BAKKERIJ FRANK

Active
Private limited companyfounded 1996active for 30 yearsHoge Brugstraat 3, 2220 Heist-op-den-Berg, BelgiumKBO/BCE: BE 0457.850.193
Summary

BAKKERIJ FRANK has been active since 1996 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,901 and a net result of €1,487. Equity is growing by about 4.7% per year across the filed financial years. Its solvency ranks better than 55% of 22,513 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241Artisanal bread and fresh pastry making NACE 10712
1 site
Size
€127,074total assets 2025
Staff
2 FTE
Equity
€49,901
Profit
€1,487
Turnover not published (micro format)
Financial health
87 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
Accounts 85 days early0 of 1 deed read
Why 87raises riskSector: Retail trade (NACE 47)lowers riskFounded in 1996Liquidity: current ratio 0.71, cash €15,115Figures for financial year 2025 (filed 09-05-2026)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 40% of its sector peers (NACE 47, micro)
Financial strength · tick = 2024
Average
Solvency 64-19
equity 39.3% of total assets
Liquidity 43=
short-term debt 45.0% · cash 11.9%
Profitability 67+16
return on assets 1.2%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,226 companies, NACE 47, micro)
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: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025highest value 06-2025: 0.4%● unchanged vs 05-2025 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.3%▼ -0.1 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 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.4%▲ +0.1 percentage points vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.2%▼ -0.2 percentage points vs 05-2026lowest value 07-2026: 0.2%● unchanged vs 06-2026lowest value 08-2026: 0.2%● unchanged vs 07-2026lowest value 09-2026: 0.2%● unchanged vs 08-2026lowest value 10-2026: 0.2%● unchanged vs 09-2026lowest value
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.71, compared with 0.82 in 2024, below 1; short-term debt: 45% and cash: 11.9% of total assets), and 60.7% 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 47, micro): better than 54% on solvency, 41% on liquidity, 47% on profitability and 16% on growth.

The bankruptcy probability was computed on 22-10-2026 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

Five signals.
lowers riskraises riskneutral
lowers risk · Founded in 1996
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
lowers risk · Liquidity: current ratio 0.71, cash €15,115
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 09-05-2026)
NBB · annual accounts
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 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
85 days early
2024
85 days early
2023
84 days early
2022
56 days early
2021
80 days early
2020
86 days early
2019
73 days early
← 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 78 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% 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 9 May (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
23-10-2026 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 · micro…
  2. Back to profitnet €1,487
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Active since 1996founded 25-04-1996 30 years View
  • Total assets 20256 financial years filed €127,074 View

By topic

Financials

Financial year
2025
Total assets
€127,074
Profit
€1,487
Solvency
39.3%
Total assets▲ 4.5%
Net result
20182025
Go to Financials

Timeline

Events
33
Since
1998
Next accounts
by 31-07-2027
  1. 31-12-2024Weakest financial year
  2. 08-05-2024Annual accounts filed
  3. 05-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Retail sale of bread and pastry (bakery outlets)NACE 47241
Founded
25-04-1996
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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