BROODHUIS
ActiveSummary
BROODHUIS has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €55k and a net result of €-7k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 92% of 800 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability5▼-95
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 5.25 against 4.76 in 2024; short-term debt: 16.1% and cash: 75.6% of total assets), and 16.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young 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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
83.9%
Return on assets
-11.1%
Age of the figures
9 mo
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 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
56 d early
2023
29 d early
2022
10 d late
2021
47 d early
2020
36 d early
2019
58 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, abbreviated schema
Equity
€55k▼ 11.7%
2024 · €63k
2018: €24k
2019: €20k
2020: €19k
2021: €25k
2022: €22k
2023: €40k
2024: €63k
2018 → 2025
Total assets
€66k▼ 13.3%
2024 · €76k
2018: €37k
2019: €36k
2020: €32k
2021: €32k
2022: €33k
2023: €46k
2024: €76k
2018 → 2025
Net result
€-7k
2024 · €23k
2018: €-1k
2019: €-4k
2020: €-831
2021: €6k
2022: €-3k
2023: €18k
2024: €23k
2018 → 2025
Working capital
€45k▼ 10.6%
2024 · €51k
2018: €13k
2019: €11k
2020: €12k
2021: €18k
2022: €15k
2023: €34k
2024: €51k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€22k▼ 13.7%€40k▲ 83.1%€63k▲ 57.8%€55k▼ 11.7%
Operating result€6k-€2k▼ 62.1%€26k▲ 963%€24k▼ 8.8%€-7k
Net result€6k-€-3k€18k€23k▲ 27.2%€-7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €7k after €24k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €66k
Fixed assets
€10k ▼ 16.1%
Current assets
€56k ▼ 12.8%
Equity and liabilities €66k
Equity
€55k ▼ 11.7%
Debt
€11k ▼ 21.0%
Debt's share of the balance-sheet total falls from 17.7% to 16.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-5k▼
2024 · €25k
Cash flow
€-5k▼
2024 · €24k
Current ratio
5.25▲
2024 · 4.76
Quick ratio
4.97▲
2024 · 4.55
Debt to equity
0.19▼
2024 · 0.22
ROE
-13.2%▼
2024 · 36.6%
ROA
-11.1%▼
2024 · 30.1%
Interest coverage
-12.46▼
2024 · 83.01
Debt ≤ 1 year
€11k▼
2024 · €13k
Income taxes
€394▲
2024 · €387
Staff costs
€43k▲
2024 · €34k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€76k€66k▼
Fixed assets21/28€12k€10k▼
Tangible fixed assets22/27€12k€10k▼
Land and buildings22€4k€4k=
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€659€439▼
Financial fixed assets28€5€5=
Current assets29/58€64k€56k▼
Stocks and contracts in progress3€3k€3k▲
Stocks30/36€3k€3k▲
Amounts receivable within one year40/41€4k€1k▼
Trade receivables40€3k€894▼
Other amounts receivable41€1k€151▼
Cash at bank and in hand54/58€56k€50k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€76k€66k▼
Equity10/15€63k€55k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€21k€21k=
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Distributable reserves133€15k€15k=
Profit (loss) carried forward14€-21k€-28k▼
Amounts payable17/49€13k€11k▼
Amounts payable within one year42/48€13k€11k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€2k€361▼
Remuneration and social security454/9€6k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€34k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€60k€40k▼
Operating profit (loss)9901€24k€-7k▼
Financial income75/76B€50€140▲
Recurring financial income75€50€140▲
Financial charges65/66B€297€382▲
Recurring financial charges65€297€382▲
Profit (loss) for the period before taxes9903€23k€-7k▼
Income taxes67/77€387€394▲
Profit (loss) for the period9904€23k€-7k▼
Profit (loss) for the period to be appropriated9905€23k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-28k▼
Profit (loss) brought forward from the previous period14P€-43k€-21k▲
Social balance
Average headcount (FTE)90871.71.9▲
The notes to these accounts (4 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-7k ▼132%
Net result drops to €-7k, the lowest in the series.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €23k ▲27.2%
Net result €23k, the highest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 6.79
Current ratio from 2.32 to 6.79; short-term debt falls from €12k to €6k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 3 loss-making years.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
09-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 9 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 10 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 23 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Geraardsbergen · 1 establishment unit since 1992
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.
Lessensestraat 89500 GeraardsbergenGround area
149 m²
Building footprint
116 m²
Volume, LiDAR
819 m³
Parcel 41018A0596/00R000, Flanders · tallest building 15.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BROODHUIS
since 19922.058.484.114
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0596/00R000 | Flanders | 149 m² | 1 · 116 m² | 15.3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.058.484.114
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Of 4,226 companies in sector 10712 we hold annual accounts for 1,870. 1,548 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 formPublic limited company
Founded08-07-1992
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.