Bakkerij Steurs
ActiveSummary
Bakkerij Steurs has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €404k and a net result of €29k. Equity is growing by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 91% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+60
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 30.09 against 5.6 in 2024; short-term debt: 3.1% and cash: 2.5% of total assets), and 8.5% 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○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
91.5%
Return on assets
6.6%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
55 d early
2023
100 d early
2022
28 d early
2021
29 d late
2020
24 d late
2019
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€404k▲ 7.7%
2024 · €375k
2018: €215k
2019: €277k
2020: €364k
2021: €351k
2022: €355k
2023: €444k
2024: €375k
2018 → 2025
Total assets
€441k▼ 10.3%
2024 · €491k
2018: €399k
2019: €432k
2020: €520k
2021: €559k
2022: €516k
2023: €609k
2024: €491k
2018 → 2025
Net result
€29k
2024 · €-7k
2018: €86k
2019: €62k
2020: €87k
2021: €60k
2022: €59k
2023: €175k
2024: €-7k
2018 → 2025
Working capital
€401k▲ 8.4%
2024 · €370k
2018: €167k
2019: €241k
2020: €338k
2021: €338k
2022: €336k
2023: €436k
2024: €370k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€351k-€355k▲ 1.3%€444k▲ 25.0%€375k▼ 15.5%€404k▲ 7.7%
Operating result€89k-€87k▼ 2.9%€254k▲ 193%€-21k€25k
Net result€60k-€59k▼ 0.8%€175k▲ 196%€-7k€29k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €25k after a loss of €21k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €441k
Fixed assets
€26k ▼ 36.5%
Current assets
€415k ▼ 7.9%
Equity and liabilities €441k
Equity
€404k ▲ 7.7%
Debt
€37k ▼ 68.0%
Debt's share of the balance-sheet total falls from 23.7% to 8.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€40k▲
2024 · €-5k
Cash flow
€44k▲
2024 · €9k
Current ratio
30.09▲
2024 · 5.60
Debt to equity
0.09▼
2024 · 0.31
ROE
7.2%▲
2024 · -1.8%
ROA
6.6%▲
2024 · -1.4%
Interest coverage
17.07▲
2024 · -1.32
Debt ≤ 1 year
€14k▼
2024 · €81k
Debt > 1 year
€23k▼
2024 · €36k
Income taxes
€13k▲
2024 · €684
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€491k€441k▼
Fixed assets21/28€40k€26k▼
Tangible fixed assets22/27€40k€26k▼
Land and buildings22€37k€24k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€451k€415k▼
Amounts receivable within one year40/41€261k€268k▲
Other amounts receivable41€261k€268k▲
Current investments50/53€181k€136k▼
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€664€170▼
Equity and liabilities
Total equity and liabilities10/49€491k€441k▼
Equity10/15€375k€404k▲
Contributions10/11€1k€1k=
Reserves13€381k€403k▲
Distributable reserves133€381k€403k▲
Profit (loss) carried forward14€-7k-
Amounts payable17/49€117k€37k▼
Amounts payable after more than one year17€36k€23k▼
Financial debts170/4€36k€23k▼
Amounts payable within one year42/48€81k€14k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€4k-
Taxes450/3€4k-
Other amounts payable47/48€62k-
Income statement
Code20242025
Remuneration, social security and pensions62€-755-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€15k▼
Other operating charges640/8€7k€2k▼
Gross operating margin9900€687€42k▲
Operating profit (loss)9901€-21k€25k▲
Financial income75/76B€18k€19k▲
Recurring financial income75€18k€19k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€-6k€42k▲
Income taxes67/77€684€13k▲
Profit (loss) for the period9904€-7k€29k▲
Profit (loss) for the period to be appropriated9905€-7k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€22k▲
Profit (loss) brought forward from the previous period14P-€-7k
Transfer from equity791/2€62k-
Transfer to equity691/2-€22k
To other reserves6921-€22k
Profit to be distributed694/7€62k-
Return on contributions (dividend)694€62k-
The notes to these accounts (8 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
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 30.09
Current ratio from 5.60 to 30.09; short-term debt falls from €81k to €14k.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼104%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
22-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €175k ▲196%
Operating result €254k, net result €175k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Geel · 1 establishment unit since 1991
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.
Voort 19A2440 GeelGround area
3,182 m²
Building footprint
576 m²
Volume, LiDAR
2,678 m³
2 parcels, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr.-Van de Perrestraat 149, 2440 Geel
since 19912.051.854.460
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008I0266/00C000 | Flanders | 2,554 m² | 1 · 199 m² | 7.8 m · 2 fl. |
| 13374F0578/00F002 | Flanders | 628 m² | 1 · 377 m² | 11.7 m · 1 fl. |
Linked by address, not proof of ownership
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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 500 EUR awarded · 500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
3 live approvals · 4 endedBrood- en banketbakkerij duaal (so)
Medewerker (banket)bakkerij duaal (so)
Medewerker bakkerij (vwo)
Show 4 ended approvals
Brood- en banketbakker (so)
Broodbakker (so)
Brood- en banketbakker (so)
Broodbakker (so)
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Of 4,571 companies in sector 82300 we hold annual accounts for 1,671. 1,037 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
Founded15-09-1990
Fiscal year end31-12
Activities, NACEBEL 2025
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.