Bakkerij Guns
ActiveThe computed 12-month bankruptcy probability of Bakkerij Guns is 1.9% (moderate). The 2025 annual accounts show equity of €18k and a net result of €23k. Equity is growing by ~170% per year across the filed fiscal years. Its solvency ranks better than 20% of 10345 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 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
Profitability84▲+1
Solvency35▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.48 against 0.57 in 2024; short-term debt: 49.8% and cash: 19.2% of total assets), and 90.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
9.8%
Return on assets
12.2%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 10345 sector peers (2025).
NBB · sector comparisonPosition among 10345 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 11-03-2026, 50 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
50 d early
2024
33 d early
2023
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€18k▲ 241%
2024 · €5k
2023: €-8k
2024: €5k
2023 → 2025
Total assets
€189k▼ 8.8%
2024 · €207k
2023: €201k
2024: €207k
2023 → 2025
Net result
€23k▼ 0.2%
2024 · €23k
2023: €-12k
2024: €23k
2023 → 2025
Working capital
€-48k▼ 10.8%
2024 · €-44k
2023: €-49k
2024: €-44k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-8k-€5k€18k▲ 241%
Operating result€-8k-€29k€30k▲ 3.6%
Net result€-12k-€23k€23k▼ 0.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€143k▼ 3.3%
Current assets
€45k▼ 22.6%
Equity and liabilities €189k
Equity
€18k▲ 241%
Debt
€170k▼ 15.5%
The debt ratio falls from 97.4% to 90.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▲
2024 · €47k
Cash flow
€44k▲
2024 · €42k
Solvency
9.8%▲
2024 · 2.6%
Current ratio
0.48▼
2024 · 0.57
Quick ratio
0.43▼
2024 · 0.52
Debt / equity
9.21▼
2024 · 37.23
ROE
124.8%▼
2024 · 427.1%
ROA
12.2%▲
2024 · 11.2%
Interest coverage
8.46▼
2024 · 8.52
Debt
€170k▼
2024 · €201k
Debt ≤ 1 year
€94k▼
2024 · €102k
Debt > 1 year
€76k▼
2024 · €99k
Income taxes
€631
Staff costs
€86k▼
2024 · €91k
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€207k€189k▼
Fixed assets21/28€148k€143k▼
Intangible fixed assets21€21k€28k▲
Tangible fixed assets22/27€127k€116k▼
Plant, machinery and equipment23€113k€102k▼
Furniture and vehicles24€1k€2k▲
Other tangible fixed assets26€13k€11k▼
Current assets29/58€59k€45k▼
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€1k€3k▲
Trade receivables40€1k€2k▲
Other amounts receivable41-€773
Cash at bank and in hand54/58€53k€36k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€207k€189k▼
Equity10/15€5k€18k▲
Contributions10/11€4k€4k=
Capital10-€4k
Issued capital100-€4k
Profit (loss) carried forward14€1k€14k▲
Amounts payable17/49€201k€170k▼
Amounts payable after more than one year17€99k€76k▼
Financial debts170/4€99k€76k▼
Amounts payable within one year42/48€102k€94k▼
Current portion of amounts payable after more than one year42€21k€22k▲
Trade debts44€15k€7k▼
Suppliers440/4€15k€7k▼
Taxes, remuneration and social security45€1k€4k▲
Taxes450/3€1k€2k▲
Remuneration and social security454/9€191€2k▲
Other amounts payable47/48€65k€60k▼
Income statement
Code20242025
Remuneration, social security and pensions62€91k€86k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€21k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€140k€138k▼
Operating profit (loss)9901€29k€30k▲
Financial income75/76B€43€0▼
Recurring financial income75€43€0▼
Financial charges65/66B€6k€6k▲
Recurring financial charges65€6k€6k▲
Profit (loss) for the period before taxes9903€23k€24k▲
Income taxes67/77-€631
Profit (loss) for the period9904€23k€23k▼
Profit (loss) for the period to be appropriated9905€23k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€24k▲
Profit (loss) brought forward from the previous period14P€-12k€1k▲
Profit to be distributed694/7€10k€10k=
Directors or managers695€10k€10k=
Social balance
Average headcount (FTE)90874.04.0=
The notes to these accounts (13 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
2026
14-09
State Gazette act
General meeting · Director resignationGeneral meeting · Director resignation · Director appointment3 facts ▸
State Gazette act
General meeting · Director resignation
General meeting · Director resignation · Director appointment3 facts ▸
- General meeting, 2026-08-10
- Director resignation, Dorien Guns (bestuurder)
- Director appointment, Stijn Guns (afgevaardigde bestuurder)
11-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Back to profitnet €23k
Net result €23k after one loss-making year.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
Stijn Guns
CurrentAfgevaardigde bestuurder · since 10-08-2026
10-08-2026
Stijn Guns: Appointed as Afgevaardigde bestuurder
10-08-2026
Dorien Guns: Resigned as Director
Location & real-estate footprint
Registered office, Overijse · 1 establishment unit since 2022
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.
Waversesteenweg 643090 OverijseGround area
332 m²
Building footprint
89 m²
Volume, LiDAR
1,006 m³
Parcel 23546L0190/00C000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Bakkerij Guns
since 20222.338.368.409
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23546L0190/00C000 | Flanders | 332 m² | 1 · 89 m² | 14.6 m · 4 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteOverijse2.338.368.409
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BE 0567.953.608
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AZRAMI
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Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 827 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-09-2022
Fiscal year end30-09
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.