Skip to content

BIJ ANJA

Active
Private limited companyfounded 2009active for 17 yearsJodestraat 19, 3540 Herk-de-Stad, BelgiumKBO/BCE: BE 0812.289.282
Summary

BIJ ANJA has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €44,686 and a net result of -€2,475. Equity has been growing by about 6.3% per year since 2018. Its solvency ranks better than 83% of 12,781 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Overview

Official details

Source: KBO
Status
Active since 16-06-2009 Normal situation
Activity
Retail sale of bread and pastry (bakery outlets) NACE 47241and 1 other
Establishment unit
2.178.858.936 3850 Nieuwerkerken (Limb.), since 16-06-2009
Financial year end
31 December
Peppol
Reachable since 11-04-2024

Board and ownership

Board
  • Poelmans AnjaDirector

Financial position

89 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.2%
Annual accounts 2025
Gross margin
€10,923
Turnover
≈ €160,000
estimated
Loss
€2,475
▼ 90.8%
Equity
€44,686
▼ 5.2%
Total assets
€62,561
▼ 46.0%
Staff
≈ 0 FTE
estimated
Score breakdownraises risk1 change of registered office in 24 monthsLoss of €2,475, the second in a row (financial year 2025)lowers riskLiquidity: current ratio 2.96, cash €41,538, halvedEquity €44,686 (71.4% of total assets)Show the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 56% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 96+30
equity 71.4% of total assets
Liquidity 88+19
short-term debt 28.6% · cash 66.4%
Profitability 26+26
return on assets -4.0%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,281 companies, NACE 47, micro)
Last 24 months 12-2024: < 0.1% 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025lowest value 03-2025: < 0.1%● unchanged vs 02-2025lowest value 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: 0.2%▲ +0.2 percentage points vs 06-2025 08-2025: 0.2%● unchanged vs 07-2025 09-2025: 0.6%▲ +0.4 percentage points vs 08-2025highest value 10-2025: 0.6%● unchanged vs 09-2025highest value 11-2025: 0.6%● unchanged vs 10-2025highest value 12-2025: 0.6%● unchanged vs 11-2025highest value 01-2026: 0.6%● unchanged vs 12-2025 02-2026: 0.6%● unchanged vs 01-2026 03-2026: 0.6%● unchanged vs 02-2026 04-2026: 0.6%● unchanged vs 03-2026 05-2026: 0.6%● unchanged vs 04-2026 06-2026: 0.6%● unchanged vs 05-2026 07-2026: 0.6%● unchanged vs 06-2026 08-2026: 0.2%▼ -0.4 percentage points vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.2%● unchanged vs 09-2026 11-2026: 0.2%● unchanged vs 10-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 2.96 (1.52 in 2024), above the usual 1.5. Short-term debt is 28.6% and cash 66.4% of total assets. 28.6% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 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, micro). It does better than 82% of them on solvency, 90% on liquidity, 23% on profitability and 31% on growth.

The bankruptcy probability was computed on 03-11-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

Credit check for an amount and term of your choice

Show the recommended maximum and see how the verdict changes with amount, term and advance.

The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskraises riskneutral
lowers risk · Liquidity: current ratio 2.96, cash €41,538, halved
NBB · annual accounts
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Equity €44,686 (71.4% of total assets)
NBB · annual accounts
raises risk · Loss of €2,475, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,475
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 days early
2024
31 days early
2023
27 days early
2022
29 days early
2021
30 days early
2020
29 days early
2019
30 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 29 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was 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 1 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
04-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 82% of companies in retail tradesector median 36.6% · 12,781 companies 71.4% View
  • Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View
  • Caution: 2 loss-making years in a rowloss in financial year 2025 -€2,475 View

Recent changes

  1. · Gazette deed Registered office moved from Nieuwerkerken to Herk-de-StadNew seat: Jodestraat 19, 3540 Herk-de-Stad · Previous seat: Opperstraat 107, 3850 Nieuwerkerken (Limb.)
  2. · Gazette deed Incorporation
All 16 events

Comparable companies

These companies have the same main activity as BIJ ANJA: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €57,500 and €87,400, founded between 2002 and 2011.

CompanyTotal assetsGross margin
BIJ ANJA Herk-de-Stad€62,561€10,923
KnS FOOD STOP Herzele€57,539€9,886
Plankenbrug Begijnendijk€83,924€10,939
IMMOCIA Saint-Georges-sur-Meuse€87,421€11,024
APO & CO Liedekerke€61,601€9,714
BODIM Esneux€63,119€16,217
K.M.C. Brussel€58,449€11,141
Full comparison

Key facts about BIJ ANJA

What is the company number of BIJ ANJA?
The company number of BIJ ANJA is 0812.289.282. The VAT number is the same number with BE in front: BE 0812.289.282.
Where is BIJ ANJA based?
The registered office is at Jodestraat 19, 3540 Herk-de-Stad.Company details
What does BIJ ANJA 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 BIJ ANJA?
The legal form of BIJ ANJA is Private limited company (BV).
When was BIJ ANJA founded?
BIJ ANJA was founded on 16-06-2009.
Is BIJ ANJA still active?
Yes, BIJ ANJA is an active enterprise in the KBO register.
What is the turnover of BIJ ANJA?
The turnover in financial year 2025 is ≈ €160,000. This figure is estimated from the gross margin of €10,923 and 114 comparable companies (NACE 472). It probably lies between €78,000 and €360,000. It is a rough estimate.Financials
Is BIJ ANJA profitable?
In financial year 2025, BIJ ANJA made a loss of €2,475.
Where can I find the annual accounts of BIJ ANJA?
BIJ ANJA filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of BIJ ANJA due?
BIJ ANJA must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

Next steps

See how customers, suppliers and banks see your own company and what to improve first.

Keep this company with today's facts in a case file.