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Bakkerij Verman

Active
Private limited companyfounded 2024active for 2 yearsZeedijk 153, 8430 Middelkerke, BelgiumKBO/BCE: BE 1004.942.170
Summary

The computed 12-month bankruptcy probability of Bakkerij Verman is 2.2% (moderate). The 2025 annual accounts show equity of €12,296 and a net result of €16,915. Its solvency ranks better than 27% of 22,726 sector peers (NACE 47, financial year 2025). The company has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Official details

Source: KBO
Status
Active since 19-01-2024 Normal situation
Activity
Retail sale of bread and pastry (bakery outlets) NACE 47241and 1 other
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2025
Establishment unit
2.355.230.373 8430 Middelkerke, since 19-01-2024
Financial year end
31 December
Peppol
Reachable since 14-11-2025

Board and ownership

Board

Financial position

54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
2.2%
Annual accounts 2025
Gross margin
€105,955
▲ 32.3%
Turnover
≈ €500,000
estimated
Profit
€16,915
Equity
€12,296
Total assets
€178,480
▲ 27.2%
Employees on 31-12-2025
1
=
Filed on 31-07-2026, on time
Score breakdownraises riskFounded in 2024Sector: Retail trade (NACE 47)Equity €12,296 (6.9% of total assets)Size: total assets €178,480Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially stronger than 54% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Average
Solvency 32+9
equity 6.9% of total assets
Liquidity 34-6
short-term debt 45.3% · cash 5.0%
Profitability 75+36
return on assets 9.5%
Bankruptcy probability within 12 months
2.2% Moderate
0%0.5%1.5%4%10%≥ 25%

About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,272 companies, NACE 47, micro)
Last 24 months 02-2025: 1.8%lowest value 03-2025: 1.8%● unchanged vs 02-2025lowest value 04-2025: 1.9%▲ +0.1 percentage points vs 03-2025 05-2025: 2.2%▲ +0.3 percentage points vs 04-2025 06-2025: 2.3%▲ +0.1 percentage points vs 05-2025 07-2025: 2.6%▲ +0.3 percentage points vs 06-2025 08-2025: 2.9%▲ +0.3 percentage points vs 07-2025 09-2025: 2.9%● unchanged vs 08-2025 10-2025: 2.6%▼ -0.3 percentage points vs 09-2025 11-2025: 2.6%● unchanged vs 10-2025 12-2025: 2.6%● unchanged vs 11-2025 01-2026: 2.7%▲ +0.1 percentage points vs 12-2025 02-2026: 2.7%● unchanged vs 01-2026 03-2026: 2.7%● unchanged vs 02-2026 04-2026: 2.8%▲ +0.1 percentage points vs 03-2026 05-2026: 2.9%▲ +0.1 percentage points vs 04-2026 06-2026: 2.8%▼ -0.1 percentage points vs 05-2026 07-2026: 2.9%▲ +0.1 percentage points vs 06-2026highest value 08-2026: 2.5%▼ -0.4 percentage points vs 07-2026 09-2026: 2.4%▼ -0.1 percentage points vs 08-2026 10-2026: 2.2%▼ -0.2 percentage points vs 09-2026 11-2026: 2.2%● unchanged vs 10-2026
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.9 (0.26 in 2024), below 1. Short-term debt is 45.3% and cash 5% of total assets. 93.1% 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 47, micro). It does better than 24% of them on solvency, 31% on liquidity, 61% on profitability and 99% on growth.

The bankruptcy probability was computed on 01-11-2026 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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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Five signals.
raises riskneutral
raises risk · Founded in 2024
Companies of this age fail more often than older ones. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Equity €12,296 (6.9% of total assets)
NBB · annual accounts
raises risk · Size: total assets €178,480
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
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 31-07-2026, 0 days ahead of the deadline.
NBB · 2 filings
Deviation from the deadline
2025
on the day
2024
29 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 2 accounts on average 15 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% 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.
Companies Code · seven months
Where today falls in the filing period
02-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since incorporation in 2024.
KBO publications

Recent changes

  1. · Gazette deed IncorporationStarting capital €3,000 · Appointments: VERMEERSCH Jürgen Wilfried (director) and LALEMAN Jason Etienne (director)
All 4 events

Comparable companies

These companies have the same main activity as Bakkerij Verman: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €142,000 and €236,000, founded between 2023 and 2024.

CompanyTotal assetsGross margin
Bakkerij Verman Middelkerke€178,480€105,955
Salt 'n Sugar Antwerpen€172,453€107,343
RoBenSan Liège€150,134€108,255
DE ZOETE ZONDE OOSTDUINKERKE Koksijde€236,028€100,285
OMUR Evere€149,195€101,888
Bakkerij Laenen Olen€141,662€96,407
XD Delicatessen Brussel€188,929€136,127
Full comparison

Key facts about Bakkerij Verman

What is the company number of Bakkerij Verman?
The company number of Bakkerij Verman is 1004.942.170. The VAT number is the same number with BE in front: BE 1004.942.170.
Where is Bakkerij Verman based?
The registered office is at Zeedijk 153, 8430 Middelkerke.Company details
What does Bakkerij Verman do?
According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
What is the legal form of Bakkerij Verman?
The legal form of Bakkerij Verman is Private limited company (BV).
When was Bakkerij Verman founded?
Bakkerij Verman was founded on 19-01-2024.
Is Bakkerij Verman still active?
Yes, Bakkerij Verman is an active enterprise in the KBO register.
How many employees does Bakkerij Verman have?
Bakkerij Verman had an average of 1.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
Which joint committee does Bakkerij Verman fall under?
In its 2025 annual accounts, Bakkerij Verman states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of Bakkerij Verman?
The turnover in financial year 2025 is ≈ €500,000. This figure is estimated from the gross margin of €105,955 and 43 comparable companies (NACE 472). It probably lies between €340,000 and €870,000.
Is Bakkerij Verman profitable?
In financial year 2025, Bakkerij Verman made a profit of €16,915.
Where can I find the annual accounts of Bakkerij Verman?
Bakkerij Verman filed 2 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Bakkerij Verman due?
Bakkerij Verman must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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