Bruudjes

Active

Private limited companyfounded 20196 yrs activeGentse Steenweg 394, 9160 Lokeren, BelgiumKBO/BCE: BE 0739.593.722

The computed 12-month bankruptcy probability of Bruudjes is 3.4% (moderate). The 2025 annual accounts show equity of €10k and a net result of €3k. Equity is shrinking by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 43% of 13159 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

48 / 100

Fair

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

Axes · tick = 2024

Profitability77▼-16

Solvency48▲+1

Growth32=

Track record100

Bankruptcy probability, 12 months

3.4% Moderate

0%0.5%1.5%4%10%≥ 25%

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

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 · 6 filings

Deviation from the deadline

2025

2 d early

2024

29 d late

2023

68 d late

2022

31 d late

2021

61 d late

2020

90 d late

← before the deadline after the deadline →

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 months

Position in the running window

19-09-2026 today31-12-2026 close31-07-2027 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 2025, micro schema

Equity

€10k▼ 7.5%

2024 · €11k

2020: €13k 2021: €11k 2022: €8k 2023: €7k 2024: €11k

2020 → 2025

Total assets

€43k▼ 9.4%

2024 · €48k

2020: €49k 2021: €50k 2022: €51k 2023: €51k 2024: €48k

2020 → 2025

Net result

€3k▼ 69.6%

2024 · €9k

2020: €12k 2021: €-2k 2022: €-3k 2023: €-2k 2024: €9k

2020 → 2025

Working capital

€9k▼ 25.6%

2024 · €12k

2020: €13k 2021: €9k 2022: €5k 2023: €6k 2024: €12k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€11k-€8k▼ 25.9%€7k▼ 20.5%€11k▲ 63.4%€10k▼ 7.5%

Operating result€-3k-€-4k▼ 19.7%€-2k▲ 48.4%€10k€3k▼ 73.7%

Net result€-2k-€-3k▼ 39.5%€-2k▲ 41.4%€9k€3k▼ 69.6%

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 74% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €43k

13.0%

87.0%

Fixed assets €6k▼ 6.8%

Current assets €38k▼ 9.7%

Equity and liabilities €43k

22.8%

77.2%

Equity €10k▼ 7.5%

Debt €33k▼ 9.9%

The debt ratio falls from 77.7% to 77.2%. Equity and debt are lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€4k▼

2024 · €14k

Cash flow

€5k▼

2024 · €13k

Solvency

22.8%▲

2024 · 22.3%

Current ratio

1.30▼

2024 · 1.38

Quick ratio

1.23▼

2024 · 1.31

Debt / equity

3.39▼

2024 · 3.48

ROE

28.2%▼

2024 · 85.7%

ROA

6.4%▼

2024 · 19.2%

Interest coverage

20.25▼

2024 · 57.60

Debt

€33k▼

2024 · €37k

Debt ≤ 1 year

€29k▼

2024 · €30k

Debt > 1 year

€4k▼

2024 · €7k

Income taxes

€778▼

2024 · €2k

Staff costs

€36k▼

2024 · €38k

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 · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€48k€43k▼

Fixed assets21/28€6k€6k▼

Tangible fixed assets22/27€3k€3k▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€378€2k▲

Financial fixed assets28€3k€3k=

Current assets29/58€42k€38k▼

Stocks and contracts in progress3€2k€2k▼

Stocks30/36€2k€2k▼

Amounts receivable within one year40/41€36k€31k▼

Trade receivables40€7k€7k▼

Other amounts receivable41€29k€24k▼

Cash at bank and in hand54/58€2k€4k▲

Deferred charges and accrued income490/1€2k€619▼

Equity and liabilities

Total equity and liabilities10/49€48k€43k▼

Equity10/15€11k€10k▼

Contributions10/11€1k€1k=

Profit (loss) carried forward14€10k€9k▼

Amounts payable17/49€37k€33k▼

Amounts payable after more than one year17€7k€4k▼

Financial debts170/4€7k€4k▼

Amounts payable within one year42/48€30k€29k▼

Trade debts44€14k€14k▲

Suppliers440/4€14k€14k▲

Taxes, remuneration and social security45€8k€8k▲

Taxes450/3€2k€2k▲

Remuneration and social security454/9€6k€6k▲

Other amounts payable47/48€9k€6k▼

Income statement Code20242025

Remuneration, social security and pensions62€38k€36k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼

Other operating charges640/8€757€1k▲

Gross operating margin9900€52k€42k▼

Operating profit (loss)9901€10k€3k▼

Financial income75/76B€1k€1k▼

Recurring financial income75€1k€1k▼

Financial charges65/66B€237€219▼

Recurring financial charges65€237€219▼

Profit (loss) for the period before taxes9903€11k€4k▼

Income taxes67/77€2k€778▼

Profit (loss) for the period9904€9k€3k▼

Profit (loss) for the period to be appropriated9905€9k€3k▼

Appropriation of the result

Profit (loss) to be appropriated9906€15k€12k▼

Profit (loss) brought forward from the previous period14P€6k€10k▲

Profit to be distributed694/7€5k€4k▼

Return on contributions (dividend)694-€833

Directors or managers695€5k€3k▼

The notes to these accounts (8 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 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

29-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 29 days late

2024

31-12

Financial Back to profitnet €9k

Net result €9k after 3 loss-making years.

07-10

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 68 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

2022

31-12

Financial Weakest financial yearnet €-3k

Net result drops to €-3k, the lowest in the series; recovery starts the following year.

30-09

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 61 days late

2021

29-10

NBB filing Annual accounts filed

fiscal year 2020 · micro schema · 90 days late

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Lokeren · 1 establishment unit since 2019

establishment The establishment unit 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.

Gentse Steenweg 3949160 Lokeren

Ground area

1,028 m²

Building footprint

319 m²

Volume, LiDAR

2,283 m³

2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Bruudjes

Provincieweg 180, 9552 HerzeleRetail sale of bread and pastry (bakery outlets)

since 20192.296.610.404

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
41008A0429/00T000	Flanders	913 m²	1 · 251 m²	10.7 m · 2 fl.
46383D2777/00K000	Flanders	115 m²	1 · 68 m²	10.7 m · 2 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.

Recognitions · licences · registrations

Food safety, FASFC

1 site

Herzele2.296.610.404

1 permission

Toelating · Eetgelegenheid · since 01-02-2020

Similar companies · same sector, comparable size

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Of 21,896 companies in sector 56112 we hold annual accounts for 9,784. 6,884 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded13-12-2019

Fiscal year end31-12

Activities, NACEBEL

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.