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BAKKERIJ PHILIP BUYLE

Active
Private limited companyfounded 2015active for 10 yearsRechtstraat 10, 9080 Lochristi, BelgiumKBO/BCE: BE 0644.721.089
Summary

BAKKERIJ PHILIP BUYLE has been active since 2015 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94,065 and a net result of €72,693. Equity has been shrinking by about 8.4% per year since 2019. Its solvency ranks better than 43% of 1,902 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.9% (low).

Overview

Official details

Source: KBO
Status
Active since 21-12-2015 Normal situation
Activity
Artisanal bread and fresh pastry making NACE 10712
Joint committees
201 Paritair Comité voor de zelfstandige kleinhandel
118 Paritair Comité voor de voedingsnijverheid · annual accounts 31-03-2023
Establishment unit
2.249.021.214 9080 Lochristi, since 21-12-2015
Financial year end
31 March
Peppol
Reachable since 05-10-2025

Board and ownership

Board

Financial position

68 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
0.9%
Annual accounts to 31-03-2025
Gross margin
€192,186
▼ 22.7%
Turnover
≈ €480,000
estimated
Profit
€72,693
▲ 38.0%
Equity
€94,065
▼ 22.5%
Total assets
€389,471
▼ 15.2%
Employees on 31-03-2025
2
=
  • 2026 accounts not filed, 3 days past the deadline
Score breakdownraises riskSector: Manufacture of food products (NACE 10)Figures for financial year 2025 (filed on 03-11-2025)lowers riskSize: total assets €389,471Liquidity: current ratio 1.21, cash €63,705Show the evidence

Checked score

Score 2025
68 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 54% of micro companies in food products (NACE 10)
Financial strength · tick: 2024
Strong
Solvency 49-2
equity 24.2% of total assets
Liquidity 66+3
short-term debt 17.9% · cash 16.4%
Profitability 92+9
return on assets 18.7%
Bankruptcy probability within 12 months
0.9% Low
0%0.5%1.5%4%10%≥ 25%

About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,081 companies, NACE 10, micro)
Last 24 months 12-2024: 0.4% 01-2025: 0.4%● unchanged vs 12-2024 02-2025: 0.4%● unchanged vs 01-2025 03-2025: 0.4%● unchanged vs 02-2025 04-2025: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025lowest value 07-2025: 0.4%● unchanged vs 06-2025 08-2025: 0.4%● unchanged vs 07-2025 09-2025: 0.4%● unchanged vs 08-2025 10-2025: 0.5%▲ +0.1 percentage points vs 09-2025 11-2025: 0.9%▲ +0.4 percentage points vs 10-2025 12-2025: 0.6%▼ -0.3 percentage points vs 11-2025 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.4%▼ -0.2 percentage points vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.5%● unchanged vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.8%▲ +0.3 percentage points vs 09-2026 11-2026: 0.9%▲ +0.1 percentage points vs 10-2026highest value
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.21 (1.26 in 2024), below the usual 1.5. Short-term debt is 17.9% and cash 16.4% of total assets. 75.8% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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). It does better than 41% of them on solvency, 71% on liquidity, 85% on profitability and 20% on growth.

The bankruptcy probability was computed on 02-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
raises risk · Figures for financial year 2025 (filed on 03-11-2025)
NBB · annual accounts
lowers risk · Size: total assets €389,471
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.21, cash €63,705
NBB · annual accounts
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 31-10-2025, 0 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2026
not filed
2025
on the day
2024
34 days early
2023
21 days late
2022
22 days late
2021
2 days early
2020
3 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 6 accounts on average 1 day after the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher net result than 89% of companies in food productssector median €8,244 · 1,904 companies €72,693 View
  • Positive: 7 profitable years in a rowprofit 2025: €72,693 7 years View

Recent changes

  1. · Gazette deed Appointments: Buyle Philip (director) and Deleu Sabine (director)
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as BAKKERIJ PHILIP BUYLE: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €362,000 and €463,000, founded between 2014 and 2018.

CompanyTotal assetsGross margin
BAKKERIJ PHILIP BUYLE Lochristi€389,471€192,186
ViVaAmSy Oudenaarde€362,346€176,651
Bakkerij Bolleke Zottegem€379,155€155,213
DECHAMPS & FILLE Yvoir€382,311€183,481
TAYBA TRADING Anderlecht€408,894€187,251
VCVD Roeselare€434,950€206,931
Bakkerij Mario Van Acker Lochristi€462,763€239,822
Full comparison

Key facts about BAKKERIJ PHILIP BUYLE

What is the company number of BAKKERIJ PHILIP BUYLE?
The company number of BAKKERIJ PHILIP BUYLE is 0644.721.089. The VAT number is the same number with BE in front: BE 0644.721.089.
Where is BAKKERIJ PHILIP BUYLE based?
The registered office is at Rechtstraat 10, 9080 Lochristi.Company details
What does BAKKERIJ PHILIP BUYLE do?
According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
What is the legal form of BAKKERIJ PHILIP BUYLE?
The legal form of BAKKERIJ PHILIP BUYLE is Private limited company (BV).
When was BAKKERIJ PHILIP BUYLE founded?
BAKKERIJ PHILIP BUYLE was founded on 21-12-2015.
Is BAKKERIJ PHILIP BUYLE still active?
Yes, BAKKERIJ PHILIP BUYLE is an active enterprise in the KBO register.
How many employees does BAKKERIJ PHILIP BUYLE have?
BAKKERIJ PHILIP BUYLE had an average of 1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does BAKKERIJ PHILIP BUYLE fall under?
In its 31-03-2023 annual accounts, BAKKERIJ PHILIP BUYLE states joint committees 201 (Paritair Comité voor de zelfstandige kleinhandel) and 118 (Paritair Comité voor de voedingsnijverheid).
What is the turnover of BAKKERIJ PHILIP BUYLE?
The turnover in financial year 2025 is ≈ €480,000. This figure is estimated from the gross margin of €192,186 and 2,215 comparable companies of the same size. It probably lies between €320,000 and €740,000. It is a rough estimate.
Is BAKKERIJ PHILIP BUYLE profitable?
In financial year 2025, BAKKERIJ PHILIP BUYLE made a profit of €72,693.
Where can I find the annual accounts of BAKKERIJ PHILIP BUYLE?
BAKKERIJ PHILIP BUYLE filed 9 annual accounts with the National Bank of Belgium, the latest for financial year 2025.

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