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Bakkerij Joka

Active
Private limited companyfounded 2020active for 6 yearsStationsstraat 87, 8860 Lendelede, BelgiumKBO/BCE: BE 0749.928.477
Summary

Bakkerij Joka has been active since 2020 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €406,667 and a net result of €55,555. Equity has been growing by about 24% per year since 2021. Its solvency ranks better than 95% of 1,009 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 07-07-2020 Normal situation
Activity
Artisanal bread and fresh pastry making NACE 10712and 1 other
Establishment unit
2.305.544.302 8860 Lendelede, since 07-07-2020
Financial year end
31 December
Peppol
Reachable since 24-02-2026

Board and ownership

Board

Financial position

97 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Annual accounts 2025
Gross margin
€96,675
▼ 14.6%
Turnover
≈ €270,000
estimated
Profit
€55,555
▼ 15.4%
Equity
€406,667
▲ 15.8%
Total assets
€438,586
▲ 17.3%
Staff
≈ 0 FTE
estimated
Score breakdownraises riskSector: Manufacture of food products (NACE 10)Founded in 2020lowers riskLiquidity: current ratio 11.43, cash €255,486Equity €406,667 (92.7% of total assets)Show the evidence

Checked score

Score 2025
97 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 83% of micro companies in food products (NACE 10)
Financial strength · tick: 2024
Strong
Solvency 100=
equity 92.7% of total assets
Liquidity 100=
short-term debt 7.1% · cash 58.3%
Profitability 85-6
return on assets 12.7%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

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

Sector median 1.1% (3,081 companies, NACE 10, micro)
Last 24 months 12-2024: 0.2% 01-2025: 0.1%▼ -0.1 percentage points vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.2%▲ +0.1 percentage points vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 0.2%▼ -0.2 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025 02-2026: 0.2%● unchanged vs 01-2026 03-2026: 0.2%● unchanged vs 02-2026 04-2026: 0.3%▲ +0.1 percentage points vs 03-2026 05-2026: 0.3%● unchanged vs 04-2026 06-2026: 0.3%● unchanged vs 05-2026 07-2026: 0.3%● unchanged vs 06-2026 08-2026: 0.1%▼ -0.2 percentage points vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026lowest value 11-2026: 0.1%● unchanged vs 10-2026lowest value
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 11.43 (14.06 in 2024), above the usual 1.5. Short-term debt is 7.1% and cash 58.3% of total assets. 7.3% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 93% of them on solvency, 99% on liquidity, 75% on profitability and 64% on growth.

The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 11.43, cash €255,486
NBB · annual accounts
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
lowers risk · Equity €406,667 (92.7% of total assets)
NBB · annual accounts
raises risk · Founded in 2020
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
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 08-07-2026, 23 days ahead of the deadline.
NBB · 5 filings
Deviation from the deadline
2025
23 days early
2024
22 days late
2023
2 days early
2022
34 days early
2021
34 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 5 accounts on average 14 days before the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% 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 8 July (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 95% of companies in food productssector median 33.6% · 1,009 companies 92.7% View
  • Positive: 5 profitable years in a rowprofit 2025: €55,555 5 years View

Recent changes

  1. · Gazette deed Resignations & appointments · MiscellaneousAppointment: Deceuninck Joeri (director)
  2. · Gazette deed Incorporation
All 9 events

Comparable companies

These companies have the same main activity as Bakkerij Joka: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €321,000 and €558,000, founded between 2018 and 2021.

CompanyTotal assetsGross margin
Bakkerij Joka Lendelede€438,586€96,675
Bakkerij Sint-Pieter Kuurne€421,772€84,593
Bakkerij De Muer Zedelgem€461,984€126,208
Boulangerie Noiret & Schneider Paliseul€406,644€109,391
VDM Pâtisserie Oupeye€457,420€111,547
Bakkerij Mortier Merelbeke-Melle€321,370€94,764
Noels-De Cock Londerzeel€558,070€119,479
Full comparison

Key facts about Bakkerij Joka

What is the company number of Bakkerij Joka?
The company number of Bakkerij Joka is 0749.928.477. The VAT number is the same number with BE in front: BE 0749.928.477.
Where is Bakkerij Joka based?
The registered office is at Stationsstraat 87, 8860 Lendelede.Company details
What does Bakkerij Joka do?
According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
What is the legal form of Bakkerij Joka?
The legal form of Bakkerij Joka is Private limited company (BV).
When was Bakkerij Joka founded?
Bakkerij Joka was founded on 07-07-2020.
Is Bakkerij Joka still active?
Yes, Bakkerij Joka is an active enterprise in the KBO register.
What is the turnover of Bakkerij Joka?
The turnover in financial year 2025 is ≈ €270,000. This figure is estimated from the gross margin of €96,675 and 1,291 comparable companies of the same size. It probably lies between €170,000 and €520,000. It is a rough estimate.Financials
Is Bakkerij Joka profitable?
In financial year 2025, Bakkerij Joka made a profit of €55,555.
Where can I find the annual accounts of Bakkerij Joka?
Bakkerij Joka filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Bakkerij Joka due?
Bakkerij Joka must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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