BARBARA DESSERS

Active

Private limited companyfounded 20224 yrs activeRue de Bihay 8, 4590 Ouffet, BelgiumKBO/BCE: BE 0787.909.224

The computed 12-month bankruptcy probability of BARBARA DESSERS is 4.3% (elevated). The 2024 annual accounts show equity of €68k and a net result of €25k. Its solvency ranks better than 30% of 862 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

52 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability79▼-13

Solvency47▼-13

Growth78

Track record94

Bankruptcy probability, 12 months

4.3% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €3.5k at 30 days only on tighter terms

Liquidity short (current ratio 0.99 against 0.9 in 2023; short-term debt: 36.6% and cash: 14.5% of total assets), and 78.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 10

Relative position

BE, all sectors

reference

Sector 10

higher

← fewer bankruptcies more bankruptcies →

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

21.8%

Return on assets

8.1%

Age of the figures

20 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

36 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, full schema

Turnover

Not included in this filing

EBIT margin

Not included in this filing

Net result

€25k▲ 8.9%

2023 · €23k

2023: €23k

2023 → 2024

Working capital

€-1k▲ 76.5%

2023 · €-6k

2023: €-6k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€43k-€68k▲ 58.4%

Operating result€39k-€40k▲ 1.2%

Net result€23k-€25k▲ 8.9%

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 1% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €313k

63.8%

36.2%

Fixed assets €200k▲ 196%

Current assets €113k▲ 105%

Equity and liabilities €313k

21.8%

78.2%

Equity €68k▲ 58.4%

Debt €245k▲ 208%

The debt ratio rises from 64.8% to 78.2%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€63k▲

2023 · €54k

Cash flow

€49k▲

2023 · €38k

Solvency

21.8%▼

2023 · 35.2%

Current ratio

0.99▲

2023 · 0.90

Quick ratio

0.99▲

2023 · 0.90

Debt / equity

3.58▲

2023 · 1.84

ROE

36.9%▼

2023 · 53.7%

ROA

8.1%▼

2023 · 18.9%

Interest coverage

7.86▲

2023 · 6.42

Debt

€245k▲

2023 · €80k

Debt ≤ 1 year

€115k▲

2023 · €61k

Debt > 1 year

€130k▲

2023 · €19k

Income taxes

€8k▼

2023 · €8k

Staff costs

€259k▼

2023 · €274k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€123k€313k▲

Fixed assets21/28€68k€200k▲

Intangible fixed assets21€33k€54k▲

Tangible fixed assets22/27€34k€146k▲

Land and buildings22€27k€23k▼

Plant, machinery and equipment23€3k€10k▲

Furniture and vehicles24€4k€113k▲

Current assets29/58€55k€113k▲

Amounts receivable within one year40/41€50k€67k▲

Trade receivables40€22k€30k▲

Other amounts receivable41€27k€37k▲

Cash at bank and in hand54/58€4k€45k▲

Deferred charges and accrued income490/1€2k€819▼

Equity and liabilities

Total equity and liabilities10/49€123k€313k▲

Equity10/15€43k€68k▲

Contributions10/11€20k€20k=

Reserves13-€25k

Distributable reserves133-€25k

Profit (loss) carried forward14€23k€23k▲

Amounts payable17/49€80k€245k▲

Amounts payable after more than one year17€19k€130k▲

Financial debts170/4€19k€130k▲

Amounts payable within one year42/48€61k€115k▲

Current portion of amounts payable after more than one year42€14k€47k▲

Trade debts44€27k€28k▲

Suppliers440/4€27k€28k▲

Taxes, remuneration and social security45€21k€39k▲

Taxes450/3€6k€9k▲

Remuneration and social security454/9€15k€31k▲

Accrued charges and deferred income492/3-€128

Income statement Code20232024

Remuneration, social security and pensions62€274k€259k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€23k▲

Other operating charges640/8€7k€4k▼

Gross operating margin9900€336k€327k▼

Operating profit (loss)9901€39k€40k▲

Financial income75/76B€674€2k▲

Recurring financial income75€674€2k▲

Financial charges65/66B€8k€8k▼

Recurring financial charges65€8k€8k▼

Profit (loss) for the period before taxes9903€31k€33k▲

Income taxes67/77€8k€8k▼

Profit (loss) for the period9904€23k€25k▲

Profit (loss) for the period to be appropriated9905€23k€25k▲

Appropriation of the result

Profit (loss) to be appropriated9906€23k€48k▲

Profit (loss) brought forward from the previous period14P-€23k

Transfer to equity691/2-€25k

To other reserves6921-€25k

Social balance

Average headcount (FTE)90874.89.6▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · full schema

2024

25-06

NBB filing Annual accounts filed

fiscal year 2023 · full schema

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Ouffet · 3 establishment units since 2022

establishment All 3 establishment units on the map

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.

Rue de Bihay 84590 Ouffet

Ground area

2,496 m²

Building footprint

282 m²

Volume, LiDAR

1,777 m³

4 parcels, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.

3 establishment units

LA BOULANGERIE

Rue du Centre 10, 4160 AnthisnesRetail sale of bread and pastry (bakery outlets)

since 20222.332.892.461

Chez Barba et Flo

Rue du Montys 13, 4557 TinlotRetail sale of bread and pastry (bakery outlets)

since 20222.332.892.560

Boulangerie Chez Barbara

Route du Condroz 131, 4550 NandrinArtisanal bread and fresh pastry making

since 20242.362.523.684

4 parcels

Wallonia 4 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62004C0336/00E000	Wallonia	1,209 m²	1 · 135 m²	10.7 m · 3 fl.
61075B0130/00M000	Wallonia	888 m²	-	-
61078C0047/00B003	Wallonia	220 m²	1 · 72 m²	-
61057C0138/00V003	Wallonia	179 m²	1 · 76 m²	9.5 m · 2 fl.