Financials
- Financial year
- 2025
- Total assets
- €181,796
- Profit
- €21,905
- Solvency
- 12.1%
Bakkerij Laermans
ActiveSummary
The computed 12-month bankruptcy probability of Bakkerij Laermans is 5.0% (elevated). The 2025 annual accounts show equity of €22,072 and a net result of €21,905. Its solvency ranks better than 22% of 996 sector peers (NACE 10, financial year 2025). The company has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Activity
Artisanal bread and fresh pastry making
NACE 10712
1 site
Size
€181,796total assets 2025
- Staff
- 4.2 FTE
- Equity
- €22,072
- Profit
- €21,905
Turnover not published (abbreviated format)
Structure
Accounts filed 55 days late
Why 37raises riskFounded in 2025Sector: Manufacture of food products (NACE 10)Latest accounts 55 days late; 1 of the last 3 lateSize: total assets €181,796Show the evidence
Checked score
Score 2025
37
/ 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 39% of its sector peers (NACE 10, micro)
Financial strength
Average
Solvency
37
equity 12.1% of total assets
Liquidity
23
short-term debt 73.9% · cash 10.5%
Profitability
84
return on assets 12.0%
Bankruptcy probability, 12 months
5.0%
Elevated
0%0.5%1.5%4%10%≥ 25%
About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
04-2026: 3.6%lowest value
05-2026: 3.6%● unchanged vs 04-2026lowest value
06-2026: 3.7%▲ +0.1 percentage points vs 05-2026
07-2026: 4.0%▲ +0.3 percentage points vs 06-2026
08-2026: 4.2%▲ +0.2 percentage points vs 07-2026
09-2026: 4.6%▲ +0.4 percentage points vs 08-2026
10-2026: 5.0%▲ +0.4 percentage points vs 09-2026highest value
Credit of up to €500 on 30-day terms, only on tighter conditions: elevated estimated bankruptcy probability calls for adjusted credit terms
Liquidity insufficient (current ratio 0.2, below 1; short-term debt: 73.9% and cash: 10.5% of total assets), and 87.9% 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 10, micro): better than 29% on solvency, 15% on liquidity and 74% on profitability.
The bankruptcy probability was computed on 18-10-2026 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.
raises riskneutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 996 sector peers (2025).
NBB · sector comparisonPosition among 996 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-09-2026, 55 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 1 filingDeviation from the deadline
2025
55 days late
← before the deadline
after the deadline →
Searched, nothing found (1)
- Annual accounts filedfinancial year 2025 · abbreviated…
- IncorporationAppointment: Danny Laermans (director) ·…
Key points
By topic
Timeline
- Events
- 2
- Since
- 2025
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Artisanal bread and fresh pastry makingNACE 10712
- Founded
- 20-03-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Articles of association
- Provisions read
- 19
- Who signs
- Each director alone
- Annual meeting
- Last Wednesday of June at 20:00
- Purpose
- “Het uitbaten van één of meerdere ambachtelijke bakkerijen voor brood, banketgebak, alsmede…” (deed in Dutch)
- Statutory auditor
- No statutory auditor
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