Broodjesbrigade

Active

Private limited companyfounded 20224 yrs activeLindenlei 20, 2640 Mortsel, BelgiumKBO/BCE: BE 0789.483.988

The computed 12-month bankruptcy probability of Broodjesbrigade is 5.7% (elevated). The 2024 annual accounts show equity of €147k and a net result of €86k. Its solvency ranks better than 49% of 18942 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

51 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability89▲+1

Solvency53▲+11

Growth78

Track record94

Bankruptcy probability, 12 months

5.7% Elevated

0%0.5%1.5%4%10%≥ 25%

Credit up to €7k at 30 days only on tighter terms

Liquidity tight (current ratio 1.19 against 0.88 in 2023; short-term debt: 35.6% and cash: 3.5% of total assets), and 71.5% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 56

Relative position

BE, all sectors

reference

Sector 56

higher

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

34 d early

2023

33 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Equity

€147k▲ 139%

2023 · €62k

2023: €62k

2023 → 2024

Total assets

€518k▲ 40.0%

2023 · €370k

2023: €370k

2023 → 2024

Net result

€86k▲ 50.8%

2023 · €57k

2023: €57k

2023 → 2024

Working capital

€35k

2023 · €-14k

2023: €-14k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Equity€62k-€147k▲ 139%

Operating result€80k-€137k▲ 71.1%

Net result€57k-€86k▲ 50.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 71% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €518k

57.7%

42.3%

Fixed assets €299k▲ 11.6%

Current assets €219k▲ 114%

Equity and liabilities €518k

28.5%

71.5%

Equity €147k▲ 139%

Debt €370k▲ 20.2%

The debt ratio falls from 83.3% to 71.5%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€175k▲

2023 · €108k

Cash flow

€124k▲

2023 · €85k

Solvency

28.5%▲

2023 · 16.7%

Current ratio

1.19▲

2023 · 0.88

Quick ratio

1.19▲

2023 · 0.88

Debt / equity

2.51▼

2023 · 4.99

ROE

58.1%▼

2023 · 91.9%

ROA

16.5%▲

2023 · 15.3%

Interest coverage

10.86▼

2023 · 15.31

Debt

€370k▲

2023 · €308k

Debt ≤ 1 year

€184k▲

2023 · €116k

Debt > 1 year

€186k▼

2023 · €192k

Income taxes

€40k▲

2023 · €21k

Staff costs

€180k▼

2023 · €225k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€370k€518k▲

Fixed assets21/28€267k€299k▲

Intangible fixed assets21-€5k

Tangible fixed assets22/27€267k€293k▲

Land and buildings22€185k€184k▼

Plant, machinery and equipment23€58k€82k▲

Furniture and vehicles24€14k€19k▲

Other tangible fixed assets26€10k€8k▼

Financial fixed assets28€900€550▼

Current assets29/58€102k€219k▲

Amounts receivable within one year40/41€86k€200k▲

Trade receivables40€85k€195k▲

Other amounts receivable41€2k€5k▲

Cash at bank and in hand54/58€16k€18k▲

Deferred charges and accrued income490/1-€1k

Equity and liabilities

Total equity and liabilities10/49€370k€518k▲

Equity10/15€62k€147k▲

Contributions10/11€5k€5k=

Reserves13€57k€142k▲

Distributable reserves133€57k€142k▲

Amounts payable17/49€308k€370k▲

Amounts payable after more than one year17€192k€186k▼

Financial debts170/4€192k€186k▼

Amounts payable within one year42/48€116k€184k▲

Current portion of amounts payable after more than one year42€17k€6k▼

Trade debts44€30k€16k▼

Suppliers440/4€30k€16k▼

Taxes, remuneration and social security45€15k€37k▲

Taxes450/3€981€26k▲

Remuneration and social security454/9€14k€11k▼

Other amounts payable47/48€55k€125k▲

Income statement Code20232024

Remuneration, social security and pensions62€225k€180k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€38k▲

Other operating charges640/8€2k€8k▲

Gross operating margin9900€335k€364k▲

Operating profit (loss)9901€80k€137k▲

Financial income75/76B€5k€5k▼

Recurring financial income75€5k€5k▼

Financial charges65/66B€7k€16k▲

Recurring financial charges65€7k€16k▲

Profit (loss) for the period before taxes9903€78k€125k▲

Income taxes67/77€21k€40k▲

Profit (loss) for the period9904€57k€86k▲

Profit (loss) for the period to be appropriated9905€57k€86k▲

Appropriation of the result

Profit (loss) to be appropriated9906€57k€86k▲

Transfer to equity691/2€57k€86k▲

To other reserves6921€57k€86k▲

The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

2025

27-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Equity above €100kEq €147k ▲139%

2 profitable years in a row build equity to €147k.

28-06

NBB filing Annual accounts filed

fiscal year 2023 · 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, Mortsel · 2 establishment units since 2022

establishment All 2 establishment units on the map

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.

Lindenlei 202640 Mortsel

Ground area

1,126 m²

Building footprint

466 m²

Volume, LiDAR

3,521 m³

2 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.

2 establishment units

Broodjesbrigade

Lindenlei 20, 2640 MortselRetail trade

since 20222.335.913.121

Broodjesbrigade

Jules Moretuslei 89, 2610 AntwerpenLimited-service restaurants

since 20232.347.419.992

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11462A0379/00C006	Flanders	669 m²	1 · 393 m²	9.9 m · 3 fl.
11512B0071/00M004	Flanders	457 m²	1 · 73 m²	10.1 m · 3 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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 · 1 entry · 1,500 EUR awarded · 1,500 EUR paid

Year	Entries	awarded	paid
2024	1	1,500 EUR	1,500 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 1,500 EUR · 1,500 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Food safety, FASFC

1 site

Antwerpen2.347.419.992

2 permissions

Toelating · Beheerder automaten · since 01-08-2023

Toelating · Traiteur · since 01-08-2023

Dual-learning approval

3 live approvals

Grootkeuken en catering duaal (so)

Goedgekeurd · 2025 to 2030

Keukenmedewerker (vwo)

Goedgekeurd · 2025 to 2030

Keukenmedewerker duaal (so)

Goedgekeurd · 2025 to 2030

Similar companies · same sector, comparable size

BENGICO

BE 0691.964.841

Liège · Eq €147k

SUSHI ST-ELOOIS-VIJVE

FOOD EXPRESS SERVICES

BE 0455.726.289

Oostende · Eq €147k

Of 21,896 companies in sector 56112 we hold annual accounts for 9,785. 7,288 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded08-08-2022

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

47279Other retail sale of food

47299Retail trade

47990Retail trade

56210Event catering

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.