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Generated 16-08-2026
Active BE 0786.478.968Private limited company

Bakkerij Saïd

Turnhoutsebaan 289 ·2140 Antwerpen, Belgium· 4 yrs active
Sector: Detailhandel in brood en banketbakkerswerk (koude bakkers) (47241)
Conclusion Checked

The computed 12-month bankruptcy probability of Bakkerij Saïd is 2.8% (moderate). The 2024 annual accounts show equity of €5k and a net result of €-59k. Its solvency ranks better than 29% of 6720 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €5k
Net result €-59k
Better than sector 29%
Active 4 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health2Profitability0Solvency1Growth32Stability94
26 / 100

Fragile profile, watch profitability in particular.

All 5 axes are computed from data Checked has read.

Health 2
Profitability 0
Solvency 1
Growth 32
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
2.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2024 · computed
2 / 100 Critical
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 10-03-2026 with the NBB · fiscal year 2024 · micro
€-100k€-50k€0€50k€100kOperating result 2023: €83k€83kNet result 2023: €61k€61kOperating result 2024: €-52k€-52kNet result 2024: €-59k€-59k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 2.2% 20.4%
better than 29% of 6720 sector peers
Net result €-59k €4k
better than 5% of 6701 sector peers
Equity €5k €16k
better than 36% of 6735 sector peers
Gross operating margin €39k €24k
better than 60% of 6680 sector peers
Staff costs €81k €33k
higher than 78% of 3047 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
EBITDA
€-45k
- 23-24
Net profit
€-59k
- 23-24
Cash flow
€-53k
- 23-24
Total assets
€246k
+108.2% 23-24
Equity
€5k
-93.4% 23-24
Working capital
€-171k
- 23-24
Staff costs
€81k
- 23-24
Income taxes
€3k
-85.0% 23-24
Show 10 other metrics
Debt
€240k
+568.3% 23-24
Debt ≤ 1y
€186k
+418.6% 23-24
Debt > 1y
€54k
- 23-24
Current ratio
0.08
-96.9% 23-24
Quick ratio
0.08
-96.9% 23-24
Solvency
2.2%
-96.8% 23-24
Debt / equity
44.08
+9965.3% 23-24
ROE
-1089.6%
- 23-24
ROA
-24.2%
- 23-24
Interest coverage
-8.48
- 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenue-
EBITDA€-45k
Net profit€-59k
Cash flow€-53k
Staff costs€81k
Income taxes€3k
Dividends-
Total assets€246k
Equity€5k
Debt€240k
of which ≤ 1y€186k
of which > 1y€54k
Working capital€-171k
Employees (FTE)-
Ratios (computed)
2024
Current ratio0.08
Quick ratio0.08
Working capital ratio-69.6%
Solvency2.2%
Debt / equity44.08
Long-term debt ratio9.87
Interest coverage-8.48
Gross margin-
Net margin-
ROA-24.2%
ROE-1089.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2024
Full annual accounts (21 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€246k
Fixed assets 21/28€230k
Tangible fixed assets 22/27€230k
Current assets 29/58€15k
Cash & bank 54/58€15k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€246k
Equity 10/15€5k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€2k
Amounts payable 17/49€240k
Amounts payable after one year 17€54k
Amounts payable within one year 42/48€186k
Trade debts payable within one year 44€141k
Income statement
Gross operating margin 9900€39k
Operating result 9901€-52k
Financial income 75€14
Financial charges 65€5k
Result before taxes 9903€-57k
Income taxes 67/77€3k
Net result for the period 9904€-59k
Result to be appropriated 9905€-59k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Souhaila ASHAD
    Director
    State Gazette act 25343735 (09-07-2025)
    Current
    01-07-2025 → present
Former directors (1)
  • Fatima LACHKA
    Director
    State Gazette act 25343735 (09-07-2025)
    Former
    - → 01-07-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Detailhandel in brood en banketbakkerswerk (koude bakkers)(47241)
Legal form Private limited company(610)
Incorporation23-05-2022
StatusActive
Postal code2140
Establishment units 1 location
Bakkerij Saïd
Noorderlaan 147, 2030 AntwerpenAmbachtelijke vervaardiging van brood, broodjes, verse cakes, taarten en ander vers banketbakkerswerk door warme bakkers
since 20222.332.681.239
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 2 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11807G1698/02C000 Flanders 1.0 ha 1 · 1,768 m² 64.4 m · 19 fl.
11312A0641/00G002 Flanders 174 m² 1 · 177 m² 11.8 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
10-03-2026
NBB filing Annual accounts filed
fiscal year 2024 · micro
2025
09-07-2025
State Gazette act Director changes
Frederik Vlaminck
2024
18-11-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 1 year ago
2025
09-07-2025 1 director appointed, 1 resigning Director changes·Frederik Vlaminck
  • Souhaila ASHAD, Bestuurder
  • Fatima LACHKA, Bestuurder
Notary: Frederik Vlaminck · AntwerpenFirm: Johan KIEBOOMS & Frederik VLAMINCK, Geassocieerde notarissen
Technical details 
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  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
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        "name": "Fatima LACHKA",
        "address": "2140 Borgerhout-Antwerpen, Ferdinand Berckmansstraat 3 bus 5",
        "birth_date": null,
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      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2025-07-01",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Souhaila ASHAD",
        "address": "2140 Borgerhout-Antwerpen, Oudstrijdersstraat 15",
        "birth_date": null,
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      },
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      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": "Frederik Vlaminck",
    "firm_city": null,
    "firm_name": "Johan KIEBOOMS \u0026 Frederik VLAMINCK, Geassocieerde notarissen",
    "office_city": "Antwerpen",
    "is_associated": true
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-07-09",
    "filing_date": "2025-07-07",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2025-07-01",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0786.478.968",
    "name_full": "Bakkerij Sa\u00EFd",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Frederik Vlaminck",
    "org_rep_person_name": null,
    "person_role_at_subject": "geassocieerd notaris"
  },
  "co_filed_documents": [
    "Afschrift van de notulen dd. 1 juli 2025",
    "volmacht"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Catering56210Catering van evenementen56210
Primary activity highlighted.
Names & trade names
Legal nameNL Bakkerij Saïd
Registered office
Turnhoutsebaan 289
2140 Antwerpen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
Similar companies Comparable size · 275 of 2,393 companies in this sector with filed accounts
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Bakkerij Achkif BE 0792.260.861 · Antwerpen
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative