BERDIFF

Active

Public limited companyfounded 1994active for 32 yearsGrand'Route 20, 1435 Mont-Saint-Guibert, BelgiumKBO/BCE: BE 0451.766.810

Summary

The computed 12-month bankruptcy probability of BERDIFF is 2.9% (moderate). The 2025 annual accounts show negative equity (-€11,931) and a net result of -€105,071. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 5,018 sector peers (NACE 47, financial year 2025). The company has been active since 1994 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

BERDIFFActiveChecked score 49/100

Risk analysis Report Compare

Activity

Retail sale of bread and pastry (bakery outlets)

NACE 47241Artisanal bread and fresh pastry making NACE 10712

2 sites

Size

€1.5mtotal assets 2025

Staff: 13.8 FTE
Equity: -€11,931
Loss: -€105,071

Financial health

49 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 2.9%

Structure

LSV ConsultDirector · permanent representative VERHEYDEN Loic

2025 accounts 2 days early1 of 9 deeds summarised

Why 49raises riskNegative equity -€11,931Loss of €105,071 (financial year 2025)Sector: Retail trade (NACE 47)Size: 13.8 FTE, total assets €1.5mShow the evidence

Checked score

Score 2025

49 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 19% of its sector peers (NACE 47, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 24-8

equity -0.8% of total assets

Liquidity 44+2

short-term debt 27.5% · cash 3.6%

Profitability 17-24

return on assets -6.9%

Bankruptcy probability, 12 months

2.9% Moderate

0%0.5%1.5%4%10%≥ 25%

About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (3,693 companies, NACE 47, small)

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: 0.4%● unchanged vs 03-2025 05-2025: 0.4%● unchanged vs 04-2025 06-2025: 0.4%● unchanged vs 05-2025lowest value 07-2025: 1.1%▲ +0.7 percentage points vs 06-2025 08-2025: 1.1%● unchanged vs 07-2025 09-2025: 1.1%● unchanged vs 08-2025 10-2025: 1.1%● unchanged vs 09-2025 11-2025: 1.1%● unchanged vs 10-2025 12-2025: 1.1%● unchanged vs 11-2025 01-2026: 1.1%● unchanged vs 12-2025 02-2026: 1.2%▲ +0.1 percentage points vs 01-2026 03-2026: 1.2%● unchanged vs 02-2026 04-2026: 1.2%● unchanged vs 03-2026 05-2026: 1.2%● unchanged vs 04-2026 06-2026: 1.1%▼ -0.1 percentage points vs 05-2026 07-2026: 1.3%▲ +0.2 percentage points vs 06-2026 08-2026: 2.9%▲ +1.6 percentage points vs 07-2026highest value 09-2026: 2.9%● unchanged vs 08-2026highest value 10-2026: 2.9%● unchanged vs 09-2026highest value

No credit on open account

Liquidity insufficient (current ratio 0.57, compared with 0.67 in 2024, below 1; short-term debt: 27.5% and cash: 3.6% of total assets), and equity is negative.

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 47, small): better than 10% on solvency, 50% on liquidity, 11% on profitability and 3% 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).

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Signals

Six signals.

raises riskneutral

Negative equity -€11,931

NBB · annual accounts

Loss of €105,071 (financial year 2025)

NBB · annual accounts

Sector: Retail trade (NACE 47)

KBO

Size: 13.8 FTE, total assets €1.5m

Companies of this size fail more often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

1819202122232425

2018 to 2025 · latest year -€11,931

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

2 days early

2024

48 days early

2023

27 days early

2022

2 days late

2021

51 days early

2020

26 days early

2019

126 days late

← 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 4 days before the deadline; the sector median (NACE 47) for financial year 2024 is on the deadline day, and 47% of those companies filed late.

Searched, nothing found (2)

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 5 July (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

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

29-07-2026 Annual accounts filedfinancial year 2025 · full…
13-06-2025 Annual accounts filedfinancial year 2024 · full…
02-08-2024 Resignation: VERHEYDEN Loic (director)Appointment: SRL LSV Consult (sole…

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€11,931 View
Caution: From profit to loss in 2025after €15,681 in 2024 -€105,071 View
Caution: Among the weakest 11% on net resultsector median €39,955 · 5,017 companies -€105,071 View

By topic

Financials

Financial year: 2025
Total assets: €1.5m
Loss: -€105,071
Solvency: -0.8%

Total assets▲ 15.6%

Net result

20182025

Go to Financials

Board & ownership

Board: 1 member

LSV ConsultDirector

Go to Board & ownership

Timeline

Events: 35
Since: 1995
Next accounts: by 31-07-2027

04-07-2024Annual accounts filed
02-08-2023Annual accounts filed
10-06-2022Annual accounts filed

Go to Timeline

Company details

Sites: 2

Legal form: Public limited company
Activity: Retail sale of bread and pastry (bakery outlets)NACE 47241
Founded: 06-01-1994
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 37

Annual meeting: Second Wednesday of June at 11:00
Purpose: “L'achat,la vente,la fabrication,l'importation,l'exportation,la représentation et le…” (deed in French)

Go to Articles of association

Key facts about BERDIFF

What is the company number of BERDIFF?: 0451.766.810. In Belgium the VAT number is the company number with BE in front: BE 0451.766.810.
Where is BERDIFF based?: The registered office is at Grand'Route 20, 1435 Mont-Saint-Guibert.Company details
What does BERDIFF 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 BERDIFF?: Public limited company (NV).
When was BERDIFF founded?: On 06-01-1994.
Is BERDIFF still active?: Yes, BERDIFF is an active enterprise in the KBO register.
How many employees does BERDIFF have?: On average 13.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of BERDIFF?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is BERDIFF profitable?: In financial year 2025, BERDIFF made a loss of €105,071.
Where can I find the annual accounts of BERDIFF?: BERDIFF filed 32 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BERDIFF due?: By 31-07-2027, for financial year 2026.Timeline