BAKKERIJ NEYS
ActiveSummary
The computed 12-month bankruptcy probability of BAKKERIJ NEYS is 2.0% (moderate). The 2025 annual accounts show equity of €198k and a net result of €54k. Equity is growing by ~31.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 1554 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability82▲+2
Solvency64▲+6
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 2.19 against 2.17 in 2024; short-term debt: 15.8% and cash: 30.1% of total assets), but 60.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · 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
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
39.5%
Return on assets
10.7%
Age of the figures
9 mo
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 10-06-2026, 51 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
51 d early
2024
42 d early
2023
57 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▲ 37.1%
2024 · €144k
2023: €106klowest in 3 years
2024: €144k▲ +36.3% vs 2023
2025: €198k▲ +37.1% vs 2024highest in 3 years
2023 → 2025
Total assets
€501k▲ 14.3%
2024 · €438k
2023: €426klowest in 3 years
2024: €438k▲ +3.0% vs 2023
2025: €501k▲ +14.3% vs 2024highest in 3 years
2023 → 2025
Net result
€54k▲ 39.5%
2024 · €38k
2023: €46k
2024: €38k▼ -16.2% vs 2023lowest in 3 years
2025: €54k▲ +39.5% vs 2024highest in 3 years
2023 → 2025
Working capital
€94k▲ 22.2%
2024 · €77k
2023: €58klowest in 3 years
2024: €77k▲ +31.8% vs 2023
2025: €94k▲ +22.2% vs 2024highest in 3 years
2023 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€106k-€144k▲ 36.3%€198k▲ 37.1%
2023: €106klowest in 3 years
2024: €144k▲ +36.3% vs 2023
2025: €198k▲ +37.1% vs 2024highest in 3 years
Operating result€61k-€56k▼ 8.1%€74k▲ 33.2%
2023: €61k
2024: €56k▼ -8.1% vs 2023lowest in 3 years
2025: €74k▲ +33.2% vs 2024highest in 3 years
Net result€46k-€38k▼ 16.2%€54k▲ 39.5%
2023: €46k
2024: €38k▼ -16.2% vs 2023lowest in 3 years
2025: €54k▲ +39.5% vs 2024highest in 3 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 33% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €501k
Fixed assets
€328k ▲ 10.9%
Current assets
€173k ▲ 21.2%
Equity and liabilities €501k
Equity
€198k ▲ 37.1%
Debt
€303k ▲ 3.1%
Debt's share of the balance-sheet total falls from 67.1% to 60.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€110k▲
2024 · €87k
Cash flow
€89k▲
2024 · €69k
Current ratio
2.19▲
2024 · 2.17
Quick ratio
2.07▲
2024 · 2.04
Debt to equity
1.53▼
2024 · 2.04
ROE
27.1%▲
2024 · 26.6%
ROA
10.7%▲
2024 · 8.8%
Interest coverage
10.62▲
2024 · 8.07
Debt ≤ 1 year
€79k▲
2024 · €66k
Debt > 1 year
€224k▼
2024 · €228k
Income taxes
€14k▲
2024 · €10k
Staff costs
€113k▲
2024 · €96k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€438k€501k▲
Fixed assets21/28€296k€328k▲
Tangible fixed assets22/27€296k€328k▲
Land and buildings22€238k€282k▲
Plant, machinery and equipment23€58k€46k▼
Current assets29/58€143k€173k▲
Stocks and contracts in progress3€8k€10k▲
Stocks30/36€8k€10k▲
Amounts receivable within one year40/41€3k€12k▲
Trade receivables40€3k€1k▼
Other amounts receivable41€224€11k▲
Cash at bank and in hand54/58€130k€151k▲
Deferred charges and accrued income490/1€1k€738▼
Equity and liabilities
Total equity and liabilities10/49€438k€501k▲
Equity10/15€144k€198k▲
Contributions10/11€60k€60k=
Reserves13€84k€138k▲
Distributable reserves133€84k€138k▲
Amounts payable17/49€294k€303k▲
Amounts payable after more than one year17€228k€224k▼
Financial debts170/4€228k€224k▼
Amounts payable within one year42/48€66k€79k▲
Current portion of amounts payable after more than one year42€23k€30k▲
Trade debts44€15k€24k▲
Suppliers440/4€15k€24k▲
Taxes, remuneration and social security45€26k€24k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€22k€22k▼
Other amounts payable47/48€2k€54▼
Income statement
Code20242025
Remuneration, social security and pensions62€96k€113k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€35k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€185k€225k▲
Operating profit (loss)9901€56k€74k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€48k€68k▲
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€38k€54k▲
Profit (loss) for the period to be appropriated9905€38k€54k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€54k▲
Transfer to equity691/2€38k€54k▲
To other reserves6921€38k€54k▲
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Remuneration, social security and pensions62 | €34k | €96k | €113k | ▲ 17.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €31k | €35k | ▲ 14.4% |
| Other operating charges640/8 | €588 | €2k | €3k | ▲ 26.4% |
| Gross operating margin9900 | €103k | €185k | €225k | ▲ 21.9% |
| Operating profit (loss)9901 | €61k | €56k | €74k | ▲ 33.2% |
| Financial income75/76B | €230 | €3k | €4k | ▲ 24.0% |
| Recurring financial income75 | €230 | €3k | €4k | ▲ 24.0% |
| Financial charges65/66B | €3k | €11k | €10k | ▼ 3.9% |
| Recurring financial charges65 | €3k | €11k | €10k | ▼ 3.9% |
| Profit (loss) for the period before taxes9903 | €58k | €48k | €68k | ▲ 40.9% |
| Income taxes67/77 | €12k | €10k | €14k | ▲ 46.0% |
| Profit (loss) for the period9904 | €46k | €38k | €54k | ▲ 39.5% |
| Profit (loss) for the period to be appropriated9905 | €46k | €38k | €54k | ▲ 39.5% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €426k | €438k | €501k | ▲ 14.3% |
| Fixed assets21/28 | €299k | €296k | €328k | ▲ 10.9% |
| Tangible fixed assets22/27 | €299k | €296k | €328k | ▲ 10.9% |
| Land and buildings22 | €242k | €238k | €282k | ▲ 18.6% |
| Plant, machinery and equipment23 | €57k | €58k | €46k | ▼ 20.5% |
| Current assets29/58 | €127k | €143k | €173k | ▲ 21.2% |
| Stocks and contracts in progress3 | €10k | €8k | €10k | ▲ 14.2% |
| Stocks30/36 | €10k | €8k | €10k | ▲ 14.2% |
| Amounts receivable within one year40/41 | €4k | €3k | €12k | ▲ 270% |
| Trade receivables40 | €4k | €3k | €1k | ▼ 59.4% |
| Other amounts receivable41 | - | €224 | €11k | ▲ 4,783% |
| Cash at bank and in hand54/58 | €113k | €130k | €151k | ▲ 16.0% |
| Deferred charges and accrued income490/1 | €87 | €1k | €738 | ▼ 44.9% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €426k | €438k | €501k | ▲ 14.3% |
| Equity10/15 | €106k | €144k | €198k | ▲ 37.1% |
| Contributions10/11 | €60k | €60k | €60k | = |
| Reserves13 | €46k | €84k | €138k | ▲ 63.6% |
| Distributable reserves133 | €46k | €84k | €138k | ▲ 63.6% |
| Amounts payable17/49 | €320k | €294k | €303k | ▲ 3.1% |
| Amounts payable after more than one year17 | €251k | €228k | €224k | ▼ 1.8% |
| Financial debts170/4 | €251k | €228k | €224k | ▼ 1.8% |
| Amounts payable within one year42/48 | €68k | €66k | €79k | ▲ 20.0% |
| Current portion of amounts payable after more than one year42 | €22k | €23k | €30k | ▲ 30.9% |
| Trade debts44 | €12k | €15k | €24k | ▲ 58.8% |
| Suppliers440/4 | €12k | €15k | €24k | ▲ 58.8% |
| Taxes, remuneration and social security45 | €32k | €26k | €24k | ▼ 4.3% |
| Taxes450/3 | €16k | €4k | €3k | ▼ 22.9% |
| Remuneration and social security454/9 | €16k | €22k | €22k | ▼ 1.1% |
| Other amounts payable47/48 | €2k | €2k | €54 | ▼ 97.1% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €46k | €38k | €54k | ▲ 39.5% |
| + Depreciation and write-downs630 | €8k | €31k | €35k | ▲ 14.4% |
| Operating cash flow (approximation) | €54k | €69k | €89k | ▲ 28.3% |
| Investment in fixed assets (approximation) | - | €-28k | €-68k | ▼ 145% |
| Change in cash | - | €17k | €21k | ▲ 22.3% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €54k ▲39.5%
Operating result €74k, net result €54k, both a record.
31-12
Financial
Equity above €150kEq €198k ▲37.1%
3 profitable years in a row build equity to €198k.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €38k ▼16.2%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Kalmthout · 1 establishment unit since 2023
Ground area
279 m²
Building footprint
189 m²
Volume, LiDAR
1,065 m³
Parcel 11022G0846/00M002, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BAKKERIJ NEYS
since 20232.347.364.069
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0846/00M002 | Flanders | 279 m² | 1 · 189 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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 siteKalmthout2.347.364.069
Similar companies · same sector, comparable size
BRCC Chocolates
BE 1003.946.931
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Beersemans
BE 0628.699.659
Arendonk · Eq €197,862
BAKKERIJ MARIS
BE 0480.297.478
Hasselt · Eq €197,951
JIR CONCEPT
BE 0768.876.834
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TIMMERS DIDIER
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,533 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
Contact
E-mail
jolien.thijs98@gmail.com
Phone
0471720402
Scores and ratios are computed by Checked and are not a credit decision.