Skip to content

Bakkerij Vanhamme

Active
Private limited company (pre-2019)founded 1999active for 27 yearsGemeenteplein 5, 3560 Lummen, BelgiumKBO/BCE: BE 0466.221.590
Summary

Bakkerij Vanhamme has been active since 1999 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €276,313 and a net result of €107,051. Equity is shrinking by about 2.8% per year across the filed financial years. Its solvency ranks better than 78% of 1,883 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisFollow ReportCompare
Bakkerij VanhammeActiveChecked score 90/100
Risk analysis ReportCompare

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
1 site
Size
€437,316total assets 2025
Staff
7.6 FTE
Equity
€276,313
Profit
€107,051
Turnover not published (micro format)
Financial health
90 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Structure
2025 accounts filed 25 days late1 deed in the Belgian Official Gazette
Why 90raises riskSector: Manufacture of food products (NACE 10)lowers riskFounded in 1999Figures for financial year 2025 (filed 26-08-2026)Equity €276,313 (63.2% of total assets)Show the evidence

Checked score

Score 2025
90 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 75% of its sector peers (NACE 10, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 88-12
equity 63.2% of total assets
Liquidity 54-11
short-term debt 22.2% · cash 9.3%
Profitability 99+11
return on assets 24.5%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,079 companies, NACE 10, micro)
Last 24 months 11-2024: 0.4% 12-2024: 0.4%● unchanged vs 11-2024 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: 0.5%▲ +0.1 percentage points vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.2 percentage points vs 06-2025 08-2025: 0.9%▲ +0.2 percentage points vs 07-2025highest value 09-2025: 0.2%▼ -0.7 percentage points vs 08-2025 10-2025: 0.2%● unchanged vs 09-2025 11-2025: 0.2%● unchanged vs 10-2025 12-2025: 0.2%● unchanged vs 11-2025 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026lowest value 03-2026: 0.2%● unchanged vs 02-2026lowest value 04-2026: 0.2%● unchanged vs 03-2026 05-2026: 0.2%● unchanged vs 04-2026 06-2026: 0.2%● unchanged vs 05-2026 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.4%▲ +0.2 percentage points vs 07-2026 09-2026: 0.2%▼ -0.2 percentage points vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026
Credit of up to €24,000 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.9, compared with 1.29 in 2024, below 1; short-term debt: 22.2% and cash: 9.3% of total assets), and 36.8% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 77% on solvency, 56% on liquidity, 90% on profitability and 77% on growth.

The bankruptcy probability was computed on 26-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Six signals.
lowers riskraises risk
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
lowers risk · Founded in 1999
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Figures for financial year 2025 (filed 26-08-2026)
NBB · annual accounts
lowers risk · Equity €276,313 (63.2% of total assets)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €276,313
raises risk · 2025 accounts filed 25 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
25 days late
2024
1 day late
2023
21 days late
2022
4 days early
2021
16 days late
2020
16 days early
2019
8 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 5 days after the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 16 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
27-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Equity above €200,000equity €208,709 ▲5.2%

Key points

  • Positive: Result rose in 2025from €40,969 to €107,051 ▲ 161% View
  • Positive: Among the best 5% on net resultsector median €8,193 · 1,885 companies €107,051 View
  • Active since 1999founded 10-06-1999 27 years View

By topic

Financials

Financial year
2025
Total assets
€437,316
Profit
€107,051
Solvency
63.2%
Total assets▲ 60.4%
Net result
20182025
Go to Financials

Timeline

Events
29
Since
2001
Next accounts
by 31-07-2027
  1. 21-08-2024Annual accounts filed
  2. 31-12-2023Back to profit
  3. 27-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
10-06-1999
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Key facts about Bakkerij Vanhamme

What is the company number of Bakkerij Vanhamme?
0466.221.590. In Belgium the VAT number is the company number with BE in front: BE 0466.221.590.
Where is Bakkerij Vanhamme based?
The registered office is at Gemeenteplein 5, 3560 Lummen.Company details
What does Bakkerij Vanhamme 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 Vanhamme?
Private limited company (pre-2019) (BVBA).
When was Bakkerij Vanhamme founded?
On 10-06-1999.
Is Bakkerij Vanhamme still active?
Yes, Bakkerij Vanhamme is an active enterprise in the KBO register.
How many employees does Bakkerij Vanhamme have?
On average 7.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of Bakkerij Vanhamme?
Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is Bakkerij Vanhamme profitable?
In financial year 2025, Bakkerij Vanhamme made a profit of €107,051.
Where can I find the annual accounts of Bakkerij Vanhamme?
Bakkerij Vanhamme filed 26 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Bakkerij Vanhamme due?
By 31-07-2027, for financial year 2026.Timeline

Companies related to Bakkerij Vanhamme

Go further with this company

How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What support did similar companies receive that this one did not?Subsidies How does this company compare with its sector?Sector benchmark

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure