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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.

Overview

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)
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 27-10-2026 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.
raises riskneutral
raises risk · Negative equity -€11,931
NBB · annual accounts
raises risk · Loss of €105,071 (financial year 2025)
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · 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
raises risk · 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
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 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)
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 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
28-10-2026 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 · full…
  2. Annual accounts filedfinancial year 2024 · full…
  3. Resignation: VERHEYDEN Loic (director)Appointment: SRL LSV Consult (sole…

Financials · financial year 2025, full format

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€105,071
2024 · €15,681
Working capital
-€180,451▼ 27.6%
2024 · -€141,468
Trend over the years

2021 to 2025, 5 financial years 2018 to 2025, 8 financial years

The operating result turns negative in 2025: a loss of €9,791 after €72,719 in 2024, the lowest result in the available series.

What the company sold each financial year and what was left of it. A loss stands below the zero line.

Operating result-€0.01m 2025 Net result-€0.1m 2025

Use the arrow keys on the chart for the figures per year.

Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).

Every figure with its change against the financial year before
favourable unfavourable
Line20182019202020212022202320242025
Operating result-€0.3m--€0.09m▲ 70.0%€0.1m€0.2m▲ 127%€0.1m▼ 53.3%€0.1m▲ 37.4%€0.07m▼ 48.1%-€0.01m
Net result-€0.3m--€0.1m▲ 70.6%€0.09mwithin the sector's middle half€0.2mabove the sector's middle half▲ 105%€0.08mwithin the sector's middle half▼ 51.8%€0.1mwithin the sector's middle half▲ 15.4%€0.02mwithin the sector's middle half▼ 83.9%-€0.1mbelow the sector's middle half
Equity-€0.3m--€0.4m▼ 37.3%-€0.3mbelow the sector's middle half▲ 23.4%-€0.1mbelow the sector's middle half▲ 62.6%-€0.02mbelow the sector's middle half▲ 80.9%€0.08mwithin the sector's middle half€0.09mwithin the sector's middle half▲ 20.2%-€0.01mbelow the sector's middle half
Total assets€0.4m-€0.3m▼ 36.2%€0.2mbelow the sector's middle half▼ 8.0%€0.3mbelow the sector's middle half▲ 28.6%€0.4mbelow the sector's middle half▲ 26.7%€0.5mwithin the sector's middle half▲ 32.2%€1.3mwithin the sector's middle half▲ 157%€1.5mwithin the sector's middle half▲ 15.6%
Debt€0.7m-€0.6m▼ 7.1%€0.5m▼ 17.0%€0.4m▼ 20.7%€0.4m▼ 0.7%€0.4m▲ 6.6%€1.2m▲ 181%€1.5m▲ 25.4%
Working capital-€0.4m--€0.4m▼ 22.1%-€0.3mbelow the sector's middle half▲ 21.7%-€0.2mbelow the sector's middle half▲ 37.5%-€0.1mbelow the sector's middle half▲ 38.1%-€0.04mbelow the sector's middle half▲ 72.8%-€0.1mbelow the sector's middle half▼ 292%-€0.2mbelow the sector's middle half▼ 27.6%
Solvency-65.7%--141.4%▼ 75.7pp-117.6%below the sector's middle half▲ 23.7pp-34.2%below the sector's middle half▲ 83.5pp-5.2%below the sector's middle half▲ 29.0pp15.1%within the sector's middle half▲ 20.3pp7.1%below the sector's middle half▼ 8.0pp-0.8%below the sector's middle half▼ 7.9pp
Current ratio0.42-0.25▼ 0.170.29below the sector's middle half▲ 0.030.47below the sector's middle half▲ 0.180.66below the sector's middle half▲ 0.190.91below the sector's middle half▲ 0.250.67below the sector's middle half▼ 0.250.57below the sector's middle half▼ 0.10
Return on assets (ROA)-83.3%--38.4%▲ 45.0pp36.0%above the sector's middle half▲ 74.3pp57.3%above the sector's middle half▲ 21.3pp21.8%above the sector's middle half▼ 35.5pp19.0%above the sector's middle half▼ 2.8pp1.2%within the sector's middle half▼ 17.8pp-6.9%below the sector's middle half▼ 8.1pp
Staff (FTE)15.7-12.1▼ 22.9%11.7within the sector's middle half▼ 3.3%11.1within the sector's middle half▼ 5.1%9.8within the sector's middle half▼ 11.7%11.3within the sector's middle half▲ 15.3%12.6within the sector's middle half▲ 11.5%13.8within the sector's middle half▲ 9.5%
above within below the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.5m
Fixed assets €1.3m ▲ 24.4%
Current assets €236,364 ▼ 16.5%
Equity and liabilities
Equity-€11,931
Debt€1.5m
Equity is negative: debt (€1.5m) exceeds the balance-sheet total (€1.5m).
Key figures and ratios
2025 value · change against 2024
EBITDA
€76,550▼
2024 · €136,834
Cash flow
-€18,731▼
2024 · €79,797
Quick ratio
0.50▼
2024 · 0.59
Interest coverage
0.80▼
2024 · 2.49
Debt ≤ 1 year
€416,816▼
2024 · €424,527
Debt > 1 year
€1.1m▲
2024 · €792,802
Income taxes
€246▼
2024 · €6,254
Staff costs
€466,562▲
2024 · €417,816
A ratio outside any meaningful range has been withheld (balance sheet total €1.5m, equity -€11,931).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,242 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 92.8% are still going.

  • Small
  • 20 years or older
  • negative equity
  • a small loss
1.9% went bankrupt
4.0% stopped otherwise
92.8% still going

A further 1.4% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.9% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,445 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.5%
3 0.5% 0.6%
4 0.7% 0.8%
5 0.9% 0.9%
6 1.3% 1.5%
7 1.6% 1.8%
8 1.8% 1.8%
9 3.0% 3.1%
10 5.6% 6.2%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74.5% 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 1,242 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
Filed annual accounts As filed with the NBB · 2025 against 2024 · 63 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.3m€1.5m▲
Fixed assets21/28€1.0m€1.3m▲
Tangible fixed assets22/27€1.0m€1.3m▲
Land and buildings22€0.9m€1.2m▲
Plant, machinery and equipment23€0.04m€0.04m▲
Furniture and vehicles24€0.02m€0.01m▼
Leasing and similar rights25€0.03m€0.04m▲
Assets under construction and advance payments27€0.003m-
Financial fixed assets28€0.001m€0.004m▲
Current assets29/58€0.3m€0.2m▼
Stocks and contracts in progress3€0.03m€0.03m▼
Stocks30/36€0.03m€0.03m▼
Amounts receivable within one year40/41€0.2m€0.2m▼
Trade receivables40€0.09m€0.1m▲
Other amounts receivable41€0.1m€0.02m▼
Cash at bank and in hand54/58€0.06m€0.06m▼
Deferred charges and accrued income490/1€0.003m€0.002m▼
Equity and liabilities
Total equity and liabilities10/49€1.3m€1.5m▲
Equity10/15€0.09m-€0.01m▼
Contributions10/11€0.06m€0.06m=
Capital10€0.06m€0.06m=
Issued capital100€0.06m€0.06m=
Reserves13€0.03m€0.006m▼
Non-distributable reserves130/1€0.006m€0.006m=
Legal reserve130€0.006m€0.006m=
Distributable reserves133€0.02m-
Profit (loss) carried forward14--€0.08m
Amounts payable17/49€1.2m€1.5m▲
Amounts payable after more than one year17€0.8m€1.1m▲
Financial debts170/4€0.8m€1.0m▲
Trade debts175-€0.1m
Amounts payable within one year42/48€0.4m€0.4m▼
Current portion of amounts payable after more than one year42€0.05m€0.06m▲
Financial debts43€0.02m€0.01m▼
Credit institutions430/8€0.02m€0.01m▼
Trade debts44€0.3m€0.2m▼
Suppliers440/4€0.3m€0.2m▼
Advances received on contracts in progress46-€0.001m
Taxes, remuneration and social security45€0.09m€0.1m▲
Taxes450/3€0.008m€0.02m▲
Remuneration and social security454/9€0.08m€0.1m▲
Other amounts payable47/48-€0.004m
Accrued charges and deferred income492/3€0.003m€0.004m▲
Income statement Code20242025
Non-recurring operating income76A€0.001m€0.002m▲
Remuneration, social security and pensions62€0.4m€0.5m▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.06m€0.09m▲
Other operating charges640/8€0.02m€0.03m▲
Non-recurring operating charges66A€0.001m€0.03m▲
Gross operating margin9900€0.6m€0.6m▲
Operating profit (loss)9901€0.07m-€0.01m▼
Financial income75/76B€0.004m€0.001m▼
Recurring financial income75€0.004m€0.001m▼
Financial charges65/66B€0.06m€0.1m▲
Recurring financial charges65€0.06m€0.1m▲
Profit (loss) for the period before taxes9903€0.02m-€0.1m▼
Income taxes67/77€0.006m€246▼
Profit (loss) for the period9904€0.02m-€0.1m▼
Profit (loss) for the period to be appropriated9905€0.02m-€0.1m▼
Appropriation of the result
Profit (loss) to be appropriated9906€0.02m-€0.1m▼
Transfer from equity791/2-€0.02m
Transfer to equity691/2€0.02m-
To other reserves6921€0.02m-
Social balance sheet
Average headcount (FTE)908712.613.8▲

The notes to these accounts (23 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20182019202020212022202320242025Change
Non-recurring operating income76A---€2,917€40,685-€718€2,102▲ 193%
Remuneration, social security and pensions62---€222,750€280,110€355,078€417,816€466,562▲ 11.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37,735€39,557€27,656€20,609€27,065€34,233€64,116€86,341▲ 34.7%
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4----€2,878-€1,447---
Other operating charges640/8---€4,134€28,906€29,895€17,656€28,868▲ 63.5%
Non-recurring operating charges66A---€54,443€1,103€150€636€26,694▲ 42×
Gross operating margin9900€369,370€338,606€327,549€520,204€442,058€558,075€572,943€598,673▲ 4.5%
Operating profit (loss)9901-€310,477-€93,154€96,039€218,268€101,996€140,167€72,719-€9,791-
Financial income75/76B---€21€750€1,390€4,232€549▼ 87.0%
Recurring financial income75€5,131€8,011€0€21€750€1,390€4,232€549▼ 87.0%
Financial charges65/66B---€9,074€9,683€15,865€55,015€95,584▲ 73.7%
Recurring financial charges65€19,326€13,533€10,485€9,074€9,683€15,865€55,015€95,584▲ 73.7%
Profit (loss) for the period before taxes9903-€324,673-€98,676€85,555€209,214€93,063€125,692€21,935-€104,826-
Income taxes67/77€12,980€497€39€33,977€8,570€28,228€6,254€246▼ 96.1%
Profit (loss) for the period9904-€337,653-€99,173€85,515€175,237€84,493€97,464€15,681-€105,071-
Profit (loss) for the period to be appropriated9905-€337,653-€99,173€85,515€175,237€84,493€97,464€15,681-€105,071-
Line20182019202020212022202320242025Change
Assets
Total assets20/58€0.4m€0.3m€0.2m€0.3m€0.4m€0.5m€1.3m€1.5m▲ 15.6%
Fixed assets21/28€0.1m€0.1m€0.1m€0.1m€0.1m€0.1m€1.0m€1.3m▲ 24.4%
Intangible fixed assets21---€0.004m€0.002m€0.001m---
Tangible fixed assets22/27€0.1m€0.07m€0.07m€0.09m€0.1m€0.1m€1.0m€1.3m▲ 24.2%
Land and buildings22------€0.9m€1.2m▲ 25.2%
Plant, machinery and equipment23---€0.04m€0.04m€0.04m€0.04m€0.04m▲ 15.3%
Furniture and vehicles24---€0.02m€0.03m€0.01m€0.02m€0.01m▼ 37.4%
Leasing and similar rights25----€0.03m€0.05m€0.03m€0.04m▲ 51.9%
Other tangible fixed assets26---€0.02m€0.02m€0.02m---
Assets under construction and advance payments27---€0.02m-€0.002m€0.003m--
Financial fixed assets28€0.04m€0.04m€0.03m€0.02m€0.006m€0.006m€0.001m€0.004m▲ 342%
Current assets29/58€0.3m€0.1m€0.1m€0.2m€0.3m€0.4m€0.3m€0.2m▼ 16.5%
Amounts receivable after more than one year29---€0.04m€0.02m----
Other amounts receivable291---€0.04m€0.02m----
Stocks and contracts in progress3€0.07m€0.07m€0.05m€0.02m€0.03m€0.03m€0.03m€0.03m▼ 16.8%
Stocks30/36---€0.02m€0.03m€0.03m€0.03m€0.03m▼ 16.8%
Amounts receivable within one year40/41€0.08m€0.06m€0.08m€0.1m€0.1m€0.2m€0.2m€0.2m▼ 19.0%
Trade receivables40---€0.02m€0.06m€0.1m€0.09m€0.1m▲ 52.9%
Other amounts receivable41---€0.07m€0.06m€0.1m€0.1m€0.02m▼ 83.9%
Cash at bank and in hand54/58€0.01m€0.003m€0.01m€0.03m€0.08m€0.1m€0.06m€0.06m▼ 8.1%
Deferred charges and accrued income490/1---€427€53€0.006m€0.003m€0.002m▼ 27.6%
Equity and liabilities
Total equity and liabilities10/49€0.4m€0.3m€0.2m€0.3m€0.4m€0.5m€1.3m€1.5m▲ 15.6%
Equity10/15-€0.3m-€0.4m-€0.3m-€0.1m-€0.02m€0.08m€0.09m-€0.01m-
Contributions10/11€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m€0.06m=
Capital10---€0.06m€0.06m€0.06m€0.06m€0.06m=
Issued capital100---€0.06m€0.06m€0.06m€0.06m€0.06m=
Reserves13€0.006m€0.006m€0.006m€0.006m€0.006m€0.02m€0.03m€0.006m▼ 80.1%
Non-distributable reserves130/1---€0.006m€0.006m€0.006m€0.006m€0.006m=
Legal reserve130---€0.006m€0.006m€0.006m€0.006m€0.006m=
Distributable reserves133-----€0.009m€0.02m--
Profit (loss) carried forward14-€0.3m-€0.4m-€0.3m-€0.2m-€0.09m---€0.08m-
Amounts payable17/49€0.7m€0.6m€0.5m€0.4m€0.4m€0.4m€1.2m€1.5m▲ 25.4%
Amounts payable after more than one year17€0.05m€0.03m€0.03m€0.008m€0.02m€0.02m€0.8m€1.1m▲ 40.0%
Financial debts170/4----€0.02m€0.02m€0.8m€1.0m▲ 27.6%
Trade debts175---€0.008m€0.002m€0.003m-€0.1m-
Amounts payable within one year42/48€0.6m€0.6m€0.5m€0.4m€0.4m€0.4m€0.4m€0.4m▼ 1.8%
Current portion of amounts payable after more than one year42---€0.03m€0.02m€0.03m€0.05m€0.06m▲ 28.1%
Financial debts43---€0.002m€0.03m€0.02m€0.02m€0.01m▼ 49.1%
Credit institutions430/8---€0.002m€0.03m€0.02m€0.02m€0.01m▼ 49.1%
Trade debts44€0.5m€0.5m€0.4m€0.2m€0.3m€0.3m€0.3m€0.2m▼ 17.4%
Suppliers440/4---€0.2m€0.3m€0.3m€0.3m€0.2m▼ 17.4%
Advances received on contracts in progress46---€0.005m---€0.001m-
Taxes, remuneration and social security45---€0.1m€0.08m€0.07m€0.09m€0.1m▲ 35.8%
Taxes450/3---€0.07m€0.03m€0.01m€0.008m€0.02m▲ 121%
Remuneration and social security454/9---€0.05m€0.05m€0.06m€0.08m€0.1m▲ 27.0%
Other amounts payable47/48---€19---€0.004m-
Accrued charges and deferred income492/3----€23€187€0.003m€0.004m▲ 28.2%
Line20182019202020212022202320242025Change
Profit (loss) for the period9904-€337,653-€99,173€85,515€175,237€84,493€97,464€15,681-€105,071-
+ Depreciation and write-downs630€37,735€39,557€27,656€20,609€27,065€34,233€64,116€86,341▲ 34.7%
Operating cash flow (approximation)-€299,917-€59,616€113,171€195,846€111,557€131,697€79,797-€18,731-
Investment in fixed assets (approximation)--€5,888-€18,092-€40,005-€40,643-€37,979-€958,728-€338,141▲ 64.7%
Change in cash--€7,823€8,169€21,637€49,514€64,726-€86,509-€4,853▲ 94.4%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Latest 10 of 32 filings with the National Bank
Financial year Type Filed Reference
31-12-2025 full format 29-07-2026 2026-00361998
31-12-2024 full format 13-06-2025 2025-00136654
31-12-2023 full format 04-07-2024 2024-00206296
31-12-2022 full format 02-08-2023 2023-00308377
31-12-2021 full format 10-06-2022 2022-20055424
31-12-2020 full format 05-07-2021 2021-30700468
31-12-2019 full format 04-12-2020 2020-74700082
31-12-2018 full format 06-11-2019 2019-73200140
31-12-2017 full format 21-11-2018 2018-72600319
31-12-2016 full format 18-07-2017 2017-32900143

Show all 32 filings

Similar companies · same sector, comparable size

Of the 2,356 active companies whose main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241), figures are known for 1,128. 288 are within a factor 10 of this headcount. These 5 are the closest to it. See the whole sector

Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.

Directors

Directors
1 director, last change in 2024

Board 1

LSV Consult
Sole director · since 02-08-2024 · Private limited company · permanent representative: VERHEYDEN Loic
Current

Permanent representatives 1

VERHEYDEN Loic
Permanent representative · since 02-08-2024 · for LSV Consult
Current
Derived from published Gazette deeds. The KBO keeps the official list of office holders; we do not read it, so the two can differ. See the directors and other office holders in the KBO →
Not every act has been read: a resignation may still be missing
8 of this company's 9 Belgian Official Gazette deeds have not been read yet. Appointments and resignations recorded in them are not yet in the list of directors: someone who resigned there may still be listed as sitting. The acts are in the Timeline.

Mandate history

2 people since 2024, 1 in office
Show
  • Board
  • began earlier
Mandates per person, with start and end dates
Name Functions and periods
LSV Consult
  • Sole director, from 02-08-2024 to date
VERHEYDEN Loic
  • Director, until 02-08-2024
See the board, name and registered office on a given date →

Owners and capital

Capital and shareholders

Capital over the years
  1. 02-08-2024 Capital stated in the deed · €62,000 · 1,586 shares

Group and network

Connections & network

1 current director
Depth

The network starts from this company’s directors. Other companies they run appear here as nodes.

This company Company Director Shareholding +N: links not shown yet Click a node to look further, drag to arrange, zoom with the mouse wheel.

History

On 6 January 1994, BERDIFF was incorporated.1 Total assets went from €405,162 in 2018 to €1.5m in 2025 and headcount from 15.7 to 13.8 full-time equivalents.2

  1. 1KBO register
  2. 2National Bank, annual accounts 2018 and 2025

Acts, filings and financial milestones

Next filing, financial year 2026, expected by 31-07-2027
2026
29-07
NBB filing Annual accounts filed
financial year 2025 · full format
2025
13-06
NBB filing Annual accounts filed
financial year 2024 · full format
2024
02-08
Gazette deed Resignation: VERHEYDEN Loic (director)
Appointment: SRL LSV Consult (sole director) · Registered office clause · Director discharge8 facts ▸
  • Registered office clause, “1435 Mont Saint Guibert, Grand Route”, 20, “unanimité” (deed in French)
  • Director resignation, VERHEYDEN Loic (director)
  • Director discharge, VERHEYDEN Loic
  • Director appointment, SRL LSV Consult (sole director)
  • Other provision, “statuts coordonnés, unanimité” (deed in French)
  • General meeting, 25-07-2024
  • Amendment of the articles
  • Capital, €62,000
04-07
NBB filing Annual accounts filed
financial year 2023 · full format
2023
02-08
NBB filing Annual accounts filed
financial year 2022 · full format · 2 days late
2022
10-06
NBB filing Annual accounts filed
financial year 2021 · full format
2021
31-12
Financial Highest result from 2018 to 2025net €175,237 ▲105%
Operating result €218,268, net result €175,237, both a record.
05-07
NBB filing Annual accounts filed
financial year 2020 · full format
2020
31-12
Financial Back to profitnet €85,515
Net result €85,515 after 2 loss-making years.
04-12
NBB filing Annual accounts filed
financial year 2019 · full format · 126 days late
2019
06-11
NBB filing Annual accounts filed
financial year 2018 · full format · 98 days late
2018
21-11
NBB filing Annual accounts filed
financial year 2017 · full format · 113 days late
2017
18-07
NBB filing Annual accounts filed
financial year 2016 · full format
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.Of the 32 annual accounts filed, the latest 10 are here; all 32 are under Financials.
1 of 9 deeds read
About the unread acts

Of the 9 Belgian Official Gazette deeds we know for this company, 1 has been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Register details

Identification
Legal formPublic limited company
Founded06-01-1994
Financial year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
47241Retail sale of bread and pastry (bakery outlets)
10820Manufacture of cocoa, chocolate and sugar confectionery
Contact
Phone 02/23618682Halle
E-invoicing
Reachable via Peppol
Peppol ID 0208:0451766810
Registered 22-12-2025

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 27 October 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.

Recognitions · licences · registrations

Food safety, FASFC

1 site
Mont-Saint-Guibertunit no. 2.069.702.064
1 permission
Authorisation · Bakkerij · since 01-01-2006

Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.

Sites & property

Location & real-estate footprint
Registered office, Mont-Saint-Guibert · 2 establishment units since 2002
registered office establishment 1 of 2 establishment units on the map
Ground area
1,306 m²
Building footprint
221 m²
Building volume
1,336 m³
Parcel 25020B0358/00V000, Wallonia · tallest building 8.4 m. Linked by address, not a title deed.
4 companies at this address See who is registered here
2 establishment units
L'ATELIER
Grand'Route 20, 1435 Mont-Saint-GuibertArtisanal bread and fresh pastry making
since 2002unit no. 2.069.702.064
DEN ATELIER
Demaeghtlaan (Auguste) 227, 1500 HalleArtisanal bread and fresh pastry making
since 2007unit no. 2.166.016.928
1 parcel
Wallonia 1 (100%)
Cadastral parcel Region Area Buildings Height / floors
25020B0358/00V000 Wallonia 1,306 m² 1 · 221 m² 8.4 m · 2
How the parcels are linked
Good to know
The parcel matches the address exactly.

Articles of association

What the company does

PurposeThe activities the company may carry out under its articles.
“L'achat,la vente,la fabrication,l'importation,l'exportation,la représentation et le commerce en général de tous articles et produits de…” (deed in French)
5 activities (deed in French)
  1. L'achat,la vente,la fabrication,l'importation,l'exportation,la représentation et le commerce en général de tous articles et produits de boulangerie,pâtisserie,laiterie,confiserie,biscuiterie,chocolaterie
  2. L'exportation,l'importation,l'achat,la vente,en gros et en détail,de tout produit alimentaire et non alimentaire
  3. Toutes activités en rapport direct ou indirect avec la restauration en général et le secteur Horeca,l'organisation de banquets et réceptions,le service traiteur,y compris l'organisation,la gestion et l'exploitation de restaurants,cafétérias,débits de boissons,ainsi que toutes opérations de tourisme,d'hôtellerie,de divertissements et de loisirs et de formation,l'exploitation,sous sa propre enseigne ou par voie de franchise ou licence de tout snack-bar,cafétéria,taverne,sandwicherie,service de cuisine rapide ou de petite restauration,de tout service traiteur et/ou d'un ou plusieurs restaurants,ainsi que la livraison à domicile et la vente ambulante,la fabrication,l'importation,l'exportation,la vente et l'achat,en gros et au détail,de tout produits de bouche,cigares,objets de décoration,d'art de la table et de mobilier
  4. La mise à disposition de personnel,la location de tout matériel et la mise à disposition de tous services à des tiers dans le cadre des activités ci-dessus et de toutes activités connexes
  5. Toutes missions de consultance dans ces domaines ainsi que l'organisation de tout événement

The full purpose is in the deed

DurationHow long the company exists; usually unlimited, so until it is dissolved.
Unlimited
Name clauseThe name the company operates under according to its articles.
BERDIFF
Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
“Région wallonne, organe d'administration” (deed in French)

deed of 02-08-2024

Who represents it, and how

Who signsWho may bind the company towards others, for example by signing a contract.
“Article 16 : Représentation de la société. Tous les actes qui engagent la société, en justice et dans tous les actes, sont valables s’ils…”
Board ruleHow the board is made up, meets and takes decisions.
“1, administrateur unique” (deed in French)

deed of 02-08-2024

Capital, shares and profit

Transfer restrictionWhether shareholders may sell their shares freely or need approval first.
“Mutatis mutandis,ayants droit font connaître qualité d'héritier ou légataire dans le mois du décès,notifications par chaque héritier ou…” (deed in French)

deed of 02-08-2024

Meetings and financial year

Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
Second Wednesday of June at 11:00

deed of 02-08-2024

Oversight and winding up

Liquidation ruleHow assets are shared after dissolution: creditors first, then shareholders.
“Dissolution pour quelque raison que ce soit et à n'importe quel moment, à défaut de nomination, liquidation par organe d'administration en…” (deed in French)
1 more provision on this in the deed

deed of 02-08-2024

Other provisionsOther rules from the articles that fall under none of the themes above.

Other provision: “Nommés conformément dispositions légales, contrôle situation financière, comptes annuels, régularité opérations à constater dans comptes…” (deed in French)
Other provision: “Admission assemblée générale, droits afférents ne peuvent pas être suspendus, si seul droit vote suspendu peut participer sans voter” (deed in French)
Other provision: “Tout propriétaire titres peut se faire représenter par mandataire si formalités admission accomplies, représentation à assemblée générale” (deed in French)
Other provision: “Liste présences, nom actionnaires, nombre titres et, le cas échéant, procurations” (deed in French)
Other provision: “Vote par correspondance, tout actionnaire peut voter par correspondance” (deed in French)
Other provision: “Toutes décisions relevant pouvoir assemblée sauf celles devant être reçues dans acte authentique, assemblée générale par procédure écrite” (deed in French)
Other provision: “Droit de vote, sauf cas prévus par la loi ou statuts, décisions prises à la majorité des voix, quel que soit le nombre de titres représentés” (deed in French)
Other provision: “Conseil d'administration, prorogation de l'assemblée générale” (deed in French)
Other provision: “Affectation des bénéfices, affectation du solde déterminée par assemblée annuelle à majorité des voix, sur proposition du conseil…” (deed in French)
Other provision: “Paiement des dividendes et acomptes, conseil autorisé, sous sa propre responsabilité et conformément aux dispositions légales, à décider…” (deed in French)
Liquidation distribution: “Biens subsistant en nature répartis de même façon, répartissent actif net, en espèces ou en titres, entre actionnaires au pro rata du nombre…” (deed in French)
Other provision: “Dispositions auxquelles il ne serait pas licitement dérogé réputées inscrites, clauses contraires aux dispositions impératives réputées non…” (deed in French)
Other provision: “Augmentation et réduction du capital et démembrement, assemblée générale délibérant comme en matière de modification aux statuts” (deed in French)
Other provision: “Augmentation de capital,émission d'obligations convertibles ou de droits de souscription, droit de préférence en cas de souscription en…” (deed in French)
Other provision: “Appels de fonds, lettre recommandée” (deed in French)
Other provision: “Nominatives avec numéro d'ordre, usufruitier et nu-propriétaire inscrits séparément avec droits respectifs” (deed in French)
Other provision: “Nominatifs avec numéro d'ordre, usufruitier et nu-propriétaire inscrits séparément avec droits respectifs” (deed in French)
Other provision: “Indivisibilité des actions, droits exercés par le débiteur-gagiste” (deed in French)
Other provision: “Pouvoirs de l'administrateur unique, totalité des pouvoirs d'administration” (deed in French)
Other provision: “Rémunération, assemblée générale décide à chaque nomination si et dans quelle mesure rémunéré” (deed in French)
7 more provisions in the deed, see the deed of 02-08-2024

deed of 02-08-2024