Bakkerij Mario Van Acker
ActiveSummary
Bakkerij Mario Van Acker has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €20k and a net result of €116k. Equity is shrinking by ~11.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+1
Solvency29=
Growth58=
Track record100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.81 in 2023; short-term debt: 65.6% and cash: 31.1% of total assets), and 95.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+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 →
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 · 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 2024Solvency, return and age of the figures
Solvency
4.3%
Return on assets
24.9%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 2090 sector peers (2024).
NBB · sector comparisonPosition among 2090 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
30 d late
2021
30 d late
2020
31 d late
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€20k=
2023 · €20k
2018: €37k
2019: €74k
2020: €107k
2021: €150k
2022: €20k
2023: €20k
2018 → 2024
Total assets
€466k▼ 0.7%
2023 · €469k
2018: €190k
2019: €200k
2020: €279k
2021: €392k
2022: €578k
2023: €469k
2018 → 2024
Net result
€116k▲ 0.9%
2023 · €115k
2018: €26k
2019: €39k
2020: €34k
2021: €38k
2022: €98k
2023: €115k
2018 → 2024
Working capital
€-63k▼ 23.3%
2023 · €-51k
2018: €19k
2019: €61k
2020: €104k
2021: €95k
2022: €-43k
2023: €-51k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€107k-€150k▲ 40.2%€20k▼ 86.8%€20k=€20k=
Operating result€46k-€55k▲ 18.3%€131k▲ 139%€153k▲ 17.0%€154k▲ 0.5%
Net result€34k-€38k▲ 11.9%€98k▲ 156%€115k▲ 16.8%€116k▲ 0.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 0% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €466k
Fixed assets
€223k ▼ 9.8%
Current assets
€242k ▲ 9.4%
Equity and liabilities €466k
Equity
€20k =
Debt
€446k ▼ 0.8%
Debt's share of the balance-sheet total stays at 95.7%.
Key figures and ratios
EBITDA
€183k▼
2023 · €191k
Cash flow
€145k▼
2023 · €153k
Current ratio
0.79▼
2023 · 0.81
Quick ratio
0.75▼
2023 · 0.76
Debt to equity
22.50▼
2023 · 22.67
ROE
584.4%▲
2023 · 579.2%
ROA
24.9%▲
2023 · 24.5%
Interest coverage
34.22▲
2023 · 32.50
Debt ≤ 1 year
€305k▲
2023 · €272k
Debt > 1 year
€141k▼
2023 · €176k
Income taxes
€33k▼
2023 · €33k
Staff costs
€128k▼
2023 · €136k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€469k€466k▼
Fixed assets21/28€248k€223k▼
Tangible fixed assets22/27€248k€223k▼
Land and buildings22€178k€173k▼
Plant, machinery and equipment23€16k€12k▼
Furniture and vehicles24€54k€38k▼
Current assets29/58€221k€242k▲
Stocks and contracts in progress3€13k€13k▼
Stocks30/36€13k€13k▼
Amounts receivable within one year40/41€149k€77k▼
Trade receivables40€131k€71k▼
Other amounts receivable41€18k€6k▼
Cash at bank and in hand54/58€56k€145k▲
Deferred charges and accrued income490/1€3k€8k▲
Equity and liabilities
Total equity and liabilities10/49€469k€466k▼
Equity10/15€20k€20k=
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€449k€446k▼
Amounts payable after more than one year17€176k€141k▼
Financial debts170/4€176k€141k▼
Amounts payable within one year42/48€272k€305k▲
Current portion of amounts payable after more than one year42€50k€66k▲
Trade debts44€54k€18k▼
Suppliers440/4€54k€18k▼
Taxes, remuneration and social security45€53k€57k▲
Taxes450/3€27k€28k▲
Remuneration and social security454/9€26k€28k▲
Other amounts payable47/48€115k€164k▲
Accrued charges and deferred income492/3€797€0▼
Income statement
Code20232024
Remuneration, social security and pensions62€136k€128k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€30k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€331k€315k▼
Operating profit (loss)9901€153k€154k▲
Financial income75/76B€783€325▼
Recurring financial income75€783€325▼
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€148k€149k▲
Income taxes67/77€33k€33k▼
Profit (loss) for the period9904€115k€116k▲
Profit (loss) for the period to be appropriated9905€115k€116k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€116k▲
Profit (loss) brought forward from the previous period14P€0-
Profit to be distributed694/7€115k€116k▲
Return on contributions (dividend)694€115k€116k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €116k ▲0.9%
Operating result €154k, net result €116k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €107k ▲44%
3 profitable years in a row build equity to €107k.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
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, Lochristi · 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.
Beervelde-Dorp 699080 LochristiGround area
367 m²
Building footprint
281 m²
Volume, LiDAR
1,348 m³
Parcel 44008B0588/02M000, Flanders · tallest building 11.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Bakkerij Mario Van Acker
since 20182.278.986.096
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44008B0588/02M000 | Flanders | 367 m² | 1 · 281 m² | 11.8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 487 EUR awarded · 487 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
| 2023 | 1 | 135 EUR | 135 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLochristi2.278.986.096
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Of 511 companies in sector 10711 we hold annual accounts for 329. 163 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2018
Fiscal year end31-12
Activities, NACEBEL 2025
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.