BAKKERIJ KEIRENS
ActiveBAKKERIJ KEIRENS has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €3k. Equity is shrinking by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+41
Solvency91▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 2.77 against 2.65 in 2024; short-term debt: 34.1% and cash: 71.6% of total assets), and 34.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
65.9%
Return on assets
3.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-08-2026, 23 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
23 d late
2024
14 d late
2023
17 d early
2022
3 d early
2021
27 d early
2020
47 d early
2019
73 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 5.6%
2024 · €48k
2018: €54k
2019: €69k
2020: €74k
2021: €84k
2022: €80k
2023: €52k
2024: €48k
2018 → 2025
Total assets
€78k▲ 4.2%
2024 · €75k
2018: €81k
2019: €92k
2020: €106k
2021: €112k
2022: €112k
2023: €71k
2024: €75k
2018 → 2025
Net result
€3k
2024 · €-4k
2018: €2k
2019: €15k
2020: €5k
2021: €10k
2022: €-4k
2023: €-28k
2024: €-4k
2018 → 2025
Working capital
€47k▲ 9.0%
2024 · €43k
2018: €43k
2019: €62k
2020: €64k
2021: €76k
2022: €75k
2023: €46k
2024: €43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€84k-€80k▼ 4.6%€52k▼ 34.6%€48k▼ 7.5%€51k▲ 5.6%
Operating result€15k-€-2k€-26k▼ 1,058%€-3k▲ 89.8%€5k
Net result€10k-€-4k€-28k▼ 624%€-4k▲ 85.8%€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€4k▼ 21.5%
Current assets
€73k▲ 6.2%
Equity and liabilities €78k
Equity
€51k▲ 5.6%
Debt
€26k▲ 1.4%
The debt ratio falls from 35.1% to 34.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€6k▲
2024 · €-2k
Cash flow
€4k▲
2024 · €-3k
Solvency
65.9%▲
2024 · 64.9%
Current ratio
2.77▲
2024 · 2.65
Quick ratio
2.47▲
2024 · 2.27
Debt / equity
0.52▼
2024 · 0.54
ROE
5.3%▲
2024 · -8.1%
ROA
3.5%▲
2024 · -5.3%
Interest coverage
3.58▲
2024 · -1.17
Debt
€26k▲
2024 · €26k
Debt ≤ 1 year
€26k▲
2024 · €26k
Income taxes
€270
Staff costs
€10k▲
2024 · €8k
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€75k€78k▲
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Plant, machinery and equipment23€5k€4k▼
Current assets29/58€69k€73k▲
Stocks and contracts in progress3€10k€8k▼
Stocks30/36€10k€8k▼
Amounts receivable within one year40/41€6k€3k▼
Trade receivables40€735€953▲
Other amounts receivable41€5k€2k▼
Cash at bank and in hand54/58€46k€56k▲
Deferred charges and accrued income490/1€7k€7k▼
Equity and liabilities
Total equity and liabilities10/49€75k€78k▲
Equity10/15€48k€51k▲
Contributions10/11€31k€31k=
Reserves13€17k€20k▲
Distributable reserves133€17k€20k▲
Amounts payable17/49€26k€26k▲
Amounts payable within one year42/48€26k€26k▲
Trade debts44€22k€20k▼
Suppliers440/4€22k€20k▼
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€338€1k▲
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€8k€10k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€307€1k▲
Non-recurring operating charges66A€753€0▼
Gross operating margin9900€8k€17k▲
Operating profit (loss)9901€-3k€5k▲
Financial income75/76B€15€9▼
Recurring financial income75€15€9▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€-4k€3k▲
Income taxes67/77-€270
Profit (loss) for the period9904€-4k€3k▲
Profit (loss) for the period to be appropriated9905€-4k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€3k▲
Transfer from equity791/2€4k€0▼
Transfer to equity691/2-€3k
To other reserves6921-€3k
The notes to these accounts (8 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
23-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 23 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 3 loss-making years.
14-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 14 days late
2024
14-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Highest result since 2018net €15k ▲724%
Operating result €16k, net result €15k, both a record.
26-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lebbeke · 1 establishment unit since 1993
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.
Stationsstraat 489280 LebbekeGround area
254 m²
Building footprint
310 m²
Volume, LiDAR
1,437 m³
Parcel 42011B0071/00N000, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Stationsstraat 48, 9280 Lebbeke
since 19932.060.551.994
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011B0071/00N000 | Flanders | 253 m² | 1 · 310 m² | 9.9 m · 1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteLebbeke2.060.551.994
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 1,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-1993
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 33 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.