BAKKERIJ MARC
ActiveThe computed 12-month bankruptcy probability of BAKKERIJ MARC is 1.6% (moderate). The 2025 annual accounts show negative equity (€-80k) and a net result of €-14k. Equity is shrinking by ~44% per year across the filed fiscal years. Its solvency ranks better than 12% of 1538 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+10
Solvency0▼-1
Growth32=
Track record100
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38 against 0.34 in 2024; short-term debt: 64.3% and cash: 2.9% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-35.8%
Return on assets
-6.5%
Age of the figures
18 mo
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 →
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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-80k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-10-2025, 9 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
9 d early
2024
3 d early
2023
32 d early
2022
4 d early
2021
3 d late
2020
26 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-80k▼ 22.0%
2024 · €-66k
2019: €7k
2020: €21k
2021: €43k
2022: €-10k
2023: €-47k
2024: €-66k
2019 → 2025
Total assets
€224k▼ 16.9%
2024 · €269k
2019: €144k
2020: €134k
2021: €145k
2022: €311k
2023: €235k
2024: €269k
2019 → 2025
Net result
€-14k▲ 24.3%
2024 · €-19k
2019: €963
2020: €14k
2021: €22k
2022: €-54k
2023: €-36k
2024: €-19k
2019 → 2025
Working capital
€-89k▲ 4.7%
2024 · €-93k
2019: €-13k
2020: €6k
2021: €19k
2022: €-16k
2023: €-51k
2024: €-93k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€-10k€-47k▼ 351%€-66k▼ 41.0%€-80k▼ 22.0%
Operating result€31k-€-48k€-28k▲ 41.1%€-9k▲ 68.1%€-7k▲ 25.0%
Net result€22k-€-54k€-36k▲ 32.6%€-19k▲ 47.3%€-14k▲ 24.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€169k▼ 23.6%
Current assets
€55k▲ 14.3%
Key figures and ratios
EBITDA
€45k▲
2024 · €40k
Cash flow
€38k▲
2024 · €30k
Solvency
-35.8%▼
2024 · -24.4%
Current ratio
0.38▲
2024 · 0.34
Quick ratio
0.28▲
2024 · 0.22
Debt / equity
-3.79▲
2024 · -5.10
ROA
-6.5%▲
2024 · -7.1%
Interest coverage
4.95▲
2024 · 3.86
Debt
€304k▼
2024 · €335k
Debt ≤ 1 year
€144k▲
2024 · €141k
Debt > 1 year
€160k▼
2024 · €193k
Income taxes
€301▼
2024 · €306
Staff costs
€56k▼
2024 · €66k
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€269k€224k▼
Fixed assets21/28€221k€169k▼
Intangible fixed assets21€0€0▼
Tangible fixed assets22/27€221k€169k▼
Land and buildings22€66k€47k▼
Plant, machinery and equipment23€155k€122k▼
Furniture and vehicles24€565€327▼
Current assets29/58€48k€55k▲
Stocks and contracts in progress3€17k€14k▼
Stocks30/36€17k€14k▼
Amounts receivable within one year40/41€21k€30k▲
Trade receivables40€9k€11k▲
Other amounts receivable41€12k€20k▲
Cash at bank and in hand54/58€8k€6k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€269k€224k▼
Equity10/15€-66k€-80k▼
Contributions10/11€6k€6k=
Reserves13€37k€37k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€-109k€-124k▼
Amounts payable17/49€335k€304k▼
Amounts payable after more than one year17€193k€160k▼
Financial debts170/4€193k€160k▼
Amounts payable within one year42/48€141k€144k▲
Current portion of amounts payable after more than one year42€37k€33k▼
Trade debts44€49k€37k▼
Suppliers440/4€49k€37k▼
Taxes, remuneration and social security45€22k€45k▲
Taxes450/3€13k€31k▲
Remuneration and social security454/9€9k€14k▲
Other amounts payable47/48€34k€29k▼
Income statement
Code20242025
Remuneration, social security and pensions62€66k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€52k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€6k€8k▲
Gross operating margin9900€112k€110k▼
Operating profit (loss)9901€-9k€-7k▲
Financial income75/76B€517€2k▲
Recurring financial income75€517€2k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€-19k€-14k▲
Income taxes67/77€306€301▼
Profit (loss) for the period9904€-19k€-14k▲
Profit (loss) for the period to be appropriated9905€-19k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-109k€-124k▼
Profit (loss) brought forward from the previous period14P€-90k€-109k▼
The notes to these accounts (15 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
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €-54k ▼339%
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
31-03
Financial
Highest result since 2019net €22k ▲63.9%
Operating result €31k, net result €22k, both a record.
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Gent · 1 establishment unit since 2018
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.
Drongenstationstraat 39031 GentGround area
319 m²
Building footprint
302 m²
Volume, LiDAR
1,560 m³
Parcel 44017C0781/00N007, Flanders · tallest building 11.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Drongenstationstraat 3, 9031 Gent
since 20182.274.008.414
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017C0781/00N007 | Flanders | 319 m² | 1 · 302 m² | 11.2 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 764 EUR awarded · 764 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 382 EUR | 382 EUR |
| 2023 | 1 | 382 EUR | 382 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.274.008.414
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,506 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2018
Fiscal year end31-03
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.