BARDEJA
ActiveSummary
The computed 12-month bankruptcy probability of BARDEJA is 1.8% (moderate). The 2025 annual accounts show equity of €14,171 and a net result of €11,568. Equity is shrinking by ~42.2% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 41% of 13604 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability90▲+88
Solvency45▼-15
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.08 against 1.41 in 2024; short-term debt: 69.6% and cash: 19.8% of total assets), and 79.5% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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
20.5%
Return on assets
16.7%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 · 4 filingsDeviation from the deadline
2025
on the day
2024
66 d early
2023
29 d early
2022
49 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 36 days before the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% of the sector filed late.
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?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 other support did companies like this one receive, and it did not?Public money How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Equity
€14,171▼ 49.2%
2024 · €27,895
Total assets
€69,226▼ 14.1%
2024 · €80,544
Net result
€11,568
2024 · -€10,640
Working capital
€4,096▼ 76.5%
2024 · €17,405
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2022202320242025
Operating result€13,563-€5,379▼ 60.3%-€9,458€16,893
Net result€11,741within the sector's middle half-€2,530within the sector's middle half▼ 78.5%-€10,640below the sector's middle half€11,568within the sector's middle half
Equity€57,058within the sector's middle half-€38,536within the sector's middle half▼ 32.5%€27,895within the sector's middle half▼ 27.6%€14,171within the sector's middle half▼ 49.2%
Total assets€104,877within the sector's middle half-€116,052within the sector's middle half▲ 10.7%€80,544within the sector's middle half▼ 30.6%€69,226within the sector's middle half▼ 14.1%
Debt€47,819-€77,517▲ 62.1%€52,649▼ 32.1%€55,054▲ 4.6%
Working capital€56,090above the sector's middle half-€26,162within the sector's middle half▼ 53.4%€17,405within the sector's middle half▼ 33.5%€4,096within the sector's middle half▼ 76.5%
Solvency54.4%within the sector's middle half-33.2%within the sector's middle half▼ 21.2pp34.6%within the sector's middle half▲ 1.4pp20.5%within the sector's middle half▼ 14.2pp
Current ratio2.57above the sector's middle half-1.42within the sector's middle half▼ 1.141.41within the sector's middle half▼ 0.011.08within the sector's middle half▼ 0.33
Return on assets (ROA)11.2%within the sector's middle half-2.2%within the sector's middle half▼ 9.0pp-13.2%below the sector's middle half▼ 15.4pp16.7%above the sector's middle half▲ 29.9pp
Staff (FTE)1.4-1.4=3.3▲ 136%0.2▼ 93.9%
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
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: €16,893 after a loss of €9,458 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69,226
Fixed assets
€16,926 ▼ 19.3%
Current assets
€52,300 ▼ 12.2%
Equity and liabilities €69,226
Equity
€14,171 ▼ 49.2%
Debt
€55,054 ▲ 4.6%
Debt's share of the balance-sheet total rises from 65.4% to 79.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€24,688▲
2024 · -€2,367
Cash flow
€19,363▲
2024 · -€3,550
Quick ratio
0.73▼
2024 · 1.13
Debt to equity
3.88▲
2024 · 1.89
ROE
81.6%▲
2024 · -38.1%
Interest coverage
9.14▲
2024 · -1.95
Debt ≤ 1 year
€48,204▲
2024 · €42,154
Debt > 1 year
€5,970▼
2024 · €10,495
Income taxes
€2,642▲
2024 · €0
Staff costs
€9,455▼
2024 · €59,193
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,706 companies that looked in July 2024 the way this one looks now, 1.7% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.7%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 6,706 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €61,390 | €52,252 | €59,193 | €9,455 | ▼ 84.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,898 | €6,796 | €7,091 | €7,795 | ▲ 9.9% |
| Other operating charges640/8 | €763 | €629 | €556 | €564 | ▲ 1.4% |
| Gross operating margin9900 | €83,614 | €65,056 | €57,382 | €34,706 | ▼ 39.5% |
| Operating profit (loss)9901 | €13,563 | €5,379 | -€9,458 | €16,893 | ▲ 279% |
| Financial income75/76B | €95 | €119 | €29 | €19 | ▼ 33.9% |
| Recurring financial income75 | €95 | €119 | €29 | €19 | ▼ 33.9% |
| Financial charges65/66B | €1,040 | €1,891 | €1,212 | €2,702 | ▲ 123% |
| Recurring financial charges65 | €1,040 | €1,891 | €1,212 | €2,702 | ▲ 123% |
| Profit (loss) for the period before taxes9903 | €12,618 | €3,607 | -€10,640 | €14,210 | ▲ 234% |
| Income taxes67/77 | €876 | €1,077 | €0 | €2,642 | - |
| Profit (loss) for the period9904 | €11,741 | €2,530 | -€10,640 | €11,568 | ▲ 209% |
| Profit (loss) for the period to be appropriated9905 | €11,741 | €2,530 | -€10,640 | €11,568 | ▲ 209% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €104,877 | €116,052 | €80,544 | €69,226 | ▼ 14.1% |
| Fixed assets21/28 | €13,000 | €28,076 | €20,985 | €16,926 | ▼ 19.3% |
| Intangible fixed assets21 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €12,810 | €27,886 | €20,795 | €16,736 | ▼ 19.5% |
| Plant, machinery and equipment23 | €10,660 | €8,319 | €5,977 | €5,685 | ▼ 4.9% |
| Furniture and vehicles24 | €2,150 | €19,567 | €14,819 | €11,051 | ▼ 25.4% |
| Financial fixed assets28 | €190 | €190 | €190 | €190 | = |
| Current assets29/58 | €91,877 | €87,976 | €59,559 | €52,300 | ▼ 12.2% |
| Amounts receivable after more than one year29 | €0 | - | - | - | - |
| Other amounts receivable291 | €0 | - | - | - | - |
| Stocks and contracts in progress3 | €11,854 | €8,464 | €11,871 | €16,953 | ▲ 42.8% |
| Stocks30/36 | €11,854 | €8,464 | €11,871 | €16,953 | ▲ 42.8% |
| Amounts receivable within one year40/41 | €36,417 | €37,424 | €19,877 | €21,660 | ▲ 9.0% |
| Trade receivables40 | €19,540 | €22,704 | €14,565 | €16,014 | ▲ 9.9% |
| Other amounts receivable41 | €16,877 | €14,720 | €5,312 | €5,646 | ▲ 6.3% |
| Cash at bank and in hand54/58 | €42,773 | €41,861 | €27,811 | €13,687 | ▼ 50.8% |
| Deferred charges and accrued income490/1 | €833 | €227 | €0 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €104,877 | €116,052 | €80,544 | €69,226 | ▼ 14.1% |
| Equity10/15 | €57,058 | €38,536 | €27,895 | €14,171 | ▼ 49.2% |
| Contributions10/11 | €1,000 | €1,000 | €1,000 | €1,000 | = |
| Reserves13 | €56,058 | €37,536 | €26,895 | €13,171 | ▼ 51.0% |
| Distributable reserves133 | €56,058 | €37,536 | €26,895 | €13,171 | ▼ 51.0% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €47,819 | €77,517 | €52,649 | €55,054 | ▲ 4.6% |
| Amounts payable after more than one year17 | €3,546 | €15,702 | €10,495 | €5,970 | ▼ 43.1% |
| Financial debts170/4 | €3,546 | €15,702 | €10,495 | €5,970 | ▼ 43.1% |
| Amounts payable within one year42/48 | €35,787 | €61,814 | €42,154 | €48,204 | ▲ 14.4% |
| Current portion of amounts payable after more than one year42 | €2,599 | €6,760 | €5,207 | €4,525 | ▼ 13.1% |
| Trade debts44 | €18,871 | €26,899 | €30,967 | €20,753 | ▼ 33.0% |
| Suppliers440/4 | €18,871 | €26,899 | €30,967 | €20,753 | ▼ 33.0% |
| Taxes, remuneration and social security45 | €12,568 | €5,865 | €4,010 | €23 | ▼ 99.4% |
| Taxes450/3 | €9,161 | €1,535 | €351 | €23 | ▼ 93.4% |
| Remuneration and social security454/9 | €3,407 | €4,330 | €3,659 | €0 | ▼ 100% |
| Other amounts payable47/48 | €1,749 | €22,291 | €1,970 | €22,904 | ▲ 1,063% |
| Accrued charges and deferred income492/3 | €8,486 | €0 | - | €880 | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,741 | €2,530 | -€10,640 | €11,568 | ▲ 209% |
| + Depreciation and write-downs630 | €7,898 | €6,796 | €7,091 | €7,795 | ▲ 9.9% |
| Operating cash flow (approximation) | €19,639 | €9,326 | -€3,550 | €19,363 | ▲ 645% |
| Investment in fixed assets (approximation) | - | -€21,871 | €0 | -€3,735 | - |
| Change in cash | - | -€912 | -€14,050 | -€14,124 | ▼ 0.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €11,568
Net result €11,568 after one loss-making year.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€10,640
Net result drops to -€10,640, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Gistel · 1 establishment unit since 2018
Ground area
4,509 m²
Parcel 35005A1040/00E000, Flanders. Linked by address, not a title deed.
7
companies at this address
See who is registered here
1 establishment unit
BARDEJA
since 20182.272.824.915
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35005A1040/00E000 | Flanders | 4,509 m² | - | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
2023 to 2025 · 2 entries · 4,136 EUR awarded · 4,136 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,136 EUR | 2,136 EUR |
| 2023 | 1 | 2,000 EUR | 2,000 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 siteGistel2.272.824.915
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Of 14,005 companies in sector 56301 we hold annual accounts for 4,897. 3,813 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end31-12
Activities, NACEBEL 2025
56301Cafés and bars
56112Limited-service restaurants, excluding mobile food services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0689961790
Also
9925:BE0689961790
Registered
10-07-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.