BERTS BAKKERIJ
ActiveSummary
The computed 12-month bankruptcy probability of BERTS BAKKERIJ is 1.8% (moderate). The 2025 annual accounts show equity of €136k and a net result of €188k. Its solvency ranks better than 62% of 1544 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency70▲+26
Growth52
Track record82
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days only on tighter terms
Liquidity short (current ratio 0.86 against 0.52 in 2024; short-term debt: 55.2% and cash: 27.3% of total assets), and 55.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · 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 →
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
44.5%
Return on assets
61.5%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
15 d early
← before the deadline
after the deadline →
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€136k▲ 115%
2024 · €63k
2024: €63k
2024 → 2025
Total assets
€305k▼ 7.1%
2024 · €329k
2024: €329k
2024 → 2025
Net result
€188k▼ 11.0%
2024 · €211k
2024: €211k
2024 → 2025
Working capital
€-23k▲ 80.2%
2024 · €-116k
2024: €-116k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€63k-€136k▲ 115%
Operating result€228k-€208k▼ 8.9%
Net result€211k-€188k▼ 11.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €305k
Fixed assets
€160k ▼ 21.5%
Current assets
€146k ▲ 16.4%
Equity and liabilities €305k
Equity
€136k ▲ 115%
Debt
€169k ▼ 36.2%
Debt's share of the balance-sheet total falls from 80.8% to 55.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€252k▲
2024 · €246k
Cash flow
€232k▲
2024 · €229k
Current ratio
0.86▲
2024 · 0.52
Quick ratio
0.83▲
2024 · 0.50
Debt to equity
1.25▼
2024 · 4.21
ROE
138.1%▼
2024 · 334.4%
ROA
61.5%▼
2024 · 64.2%
Interest coverage
146.07▲
2024 · 133.81
Debt ≤ 1 year
€169k▼
2024 · €242k
Income taxes
€19k▲
2024 · €16k
Staff costs
€201k▼
2024 · €202k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€329k€305k▼
Fixed assets21/28€203k€160k▼
Intangible fixed assets21€18k€14k▼
Tangible fixed assets22/27€185k€145k▼
Land and buildings22€27k€22k▼
Plant, machinery and equipment23€150k€118k▼
Furniture and vehicles24€7k€6k▼
Current assets29/58€125k€146k▲
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€40k€46k▲
Trade receivables40€20k€38k▲
Other amounts receivable41€20k€8k▼
Cash at bank and in hand54/58€79k€83k▲
Deferred charges and accrued income490/1€1k€11k▲
Equity and liabilities
Total equity and liabilities10/49€329k€305k▼
Equity10/15€63k€136k▲
Contributions10/11€2k€2k=
Reserves13€61k€134k▲
Distributable reserves133€61k€134k▲
Amounts payable17/49€266k€169k▼
Amounts payable within one year42/48€242k€169k▼
Trade debts44€53k€29k▼
Suppliers440/4€53k€29k▼
Taxes, remuneration and social security45€18k€23k▲
Remuneration and social security454/9€18k€23k▲
Other amounts payable47/48€171k€116k▼
Accrued charges and deferred income492/3€24k€752▼
Income statement
Code20242025
Remuneration, social security and pensions62€202k€201k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€44k▲
Other operating charges640/8€25€296▲
Gross operating margin9900€448k€454k▲
Operating profit (loss)9901€228k€208k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Non-recurring financial charges66B€474€526▲
Profit (loss) for the period before taxes9903€227k€207k▼
Income taxes67/77€16k€19k▲
Profit (loss) for the period9904€211k€188k▼
Profit (loss) for the period to be appropriated9905€211k€188k▼
Appropriation of the result
Profit (loss) to be appropriated9906€211k€188k▼
Transfer to equity691/2€61k€73k▲
To other reserves6921€61k€73k▲
Profit to be distributed694/7€150k€115k▼
Directors or managers695€150k€115k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €136k ▲115%
2 profitable years in a row build equity to €136k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Eeklo · 1 establishment unit since 2024
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.
Balgerhoeke 1549900 EekloGround area
306 m²
Building footprint
285 m²
Volume, LiDAR
1,411 m³
Parcel 43005A0469/00D002, Flanders · tallest building 10.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Balgerhoeke 154, 9900 Eeklo
since 20242.354.596.113
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43005A0469/00D002 | Flanders | 306 m² | 1 · 284 m² | 10.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
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
2024 to 2025 · 2 entries · 352 EUR awarded · 352 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 176 EUR | 176 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteEeklo2.354.596.113
Similar companies · same sector, comparable size
ZOLDERSE BAKKER
BE 0731.812.639
Heusden-Zolder · Eq €135,503
PUUR BAKKERIJ
BE 0458.300.650
Temse · Eq €135,497
Café Canelé
BE 0805.145.530
Antwerpen · Eq €135,317
SINT BARBARA
BE 0440.845.796
Tienen · Eq €136,780
CUTFILMS
BE 0836.973.705
Hasselt · Eq €136,790
Of 4,226 companies in sector 10712 we hold annual accounts for 1,870. 1,585 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2024
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
10820Manufacture of cocoa, chocolate and sugar confectionery
47241Retail sale of bread and pastry (bakery outlets)
47242Retail sale of chocolate and confectionery
47252Retail sale of beverages, general range
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@bertsbakkerij.be
Phone:03777246