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Complete company report
Generated 11-08-2026
Active BE 0797.439.671Private limited companyOpen bankruptcy

Celine Bakkerij

· 3 yrs active
Sector: Detailhandel in brood en banketbakkerswerk (koude bakkers) (47241)
Conclusion Checked

A bankruptcy procedure is open for Celine Bakkerij according to publications in the Belgian State Gazette. The file additionally contains 1 administrative flag. The 2023 annual accounts show equity of €14k and a net result of €9k.

Based on the State Gazette, CBE and 1 annual account.
Key figures
Equity €14k
Net result €9k
Better than sector 74%
Active 3 yrs
Snowflake analysis 4 of 5 axes measured · computed by Checked
Health26Profitability100Solvency87Growth-Stability0
53 / 100

Mixed profile: strong on profitability, weaker on stability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 26
Profitability 100
Solvency 87
Growth -
Stability 0
Bankruptcy probability (12 mo) Checked model v1 · free

Bankruptcy opened

A bankruptcy procedure is already open, a probability score is no longer meaningful. See the insolvency timeline for the state of the procedure.

Risk Assessment rule-based
53 / 100
High riskRegister: open bankruptcy
This score counts publications in the Belgian State Gazette only. The KBO register additionally records legal situation 050 for this company; it does not feed the figure above.
Components
· Open bankruptcy (+50)
· 1 administrative flag (+3)
Trust signals 2 signals
Register: open bankruptcy
The KBO register records legal situation 050 for this company. This is today's state according to the register itself; the register carries no start date.
Open bankruptcy
Active bankruptcy procedure in the Belgisch Staatsblad. Claims are handled by the appointed curator.
Administrative Flags 1 events
Address struck
Health barometer FY 2023 · computed
26 / 100 Weak
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

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Computed by Checked from the NBB filing for FY 2023 and an insolvency signal from the Belgian State Gazette. Indicative, not credit advice.
Financial overview1 NBB filings
Annual accounts filed on 24-12-2024 with the NBB · fiscal year 2023 · micro
Sector comparison
Fiscal year 2023 · NACE 47, Retail trade · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 47.0% 20.1%
better than 74% of 5714 sector peers
Net result €9k €3k
better than 62% of 5694 sector peers
Equity €14k €15k
better than 48% of 5721 sector peers
Gross operating margin €10k €23k
better than 37% of 5668 sector peers
Total assets €30k €93k
better than 22% of 5714 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2023
Depositmicro
Revenue-
EBITDA€9k
Net profit€9k
Cash flow€9k
Staff costs-
Income taxes-
Dividends-
Total assets€30k
Equity€14k
Debt€16k
of which ≤ 1y€16k
of which > 1y-
Working capital€12k
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.77
Quick ratio1.77
Working capital ratio40.7%
Solvency47.0%
Debt / equity1.13
Long-term debt ratio-
Interest coverage72.78
Gross margin-
Net margin-
ROA30.2%
ROE64.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€30k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Current assets 29/58€28k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€26k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€30k
Equity 10/15€14k
Contributions / capital 10/11€5k
Accumulated profits (losses) 14€9k
Amounts payable 17/49€16k
Amounts payable within one year 42/48€16k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€10k
Operating result 9901€9k
Financial income 75€2
Financial charges 65€129
Result before taxes 9903€9k
Net result for the period 9904€9k
Result to be appropriated 9905€9k
Ratios computed by Checked.
Directors & mandates 2 directors
Current directors & mandates
  • Karokh Nader
    Director
    State Gazette act 24083657 (03-06-2024)
    Current
    09-02-2024 → present
Former directors (1)
  • Nazim Nazir Mohammed
    Director
    State Gazette act 24083657 (03-06-2024)
    Former
    - → 09-02-2024
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Directors & mandates1 person
Role Name Tenure Source
Curator DAVID ANNé
FRANKRIJKLEI 5 BUS 0401, 2000 ANTWERPEN 1
 12-03-2026 → present Belgian State Gazette
Legal Structure
NACE primary Detailhandel in brood en banketbakkerswerk (koude bakkers)(47241)
Legal form Private limited company(610)
Incorporation20-01-2023
StatusActive
Postal code-
First BS signal 18-03-2026
Latest BS signal 18-03-2026
Establishment units 1 location
Celine Bakkerij
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
since 20232.340.545.464
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11422C0197/00X006 Flanders 232 m² 1 · 232 m² 12.2 m · 1 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 5 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026
18-03-2026
Bankruptcy Opening
Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · CELINE BAKKERIJ BV BREDA- BAAN 612, 2170 MERKSEM (ANTWERPEN) · event 12-03-2026
2025
10-11-2025
KBO administration Address struck
2024
24-12-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
03-06-2024
State Gazette act Director changes
Lifecycle & Insolvency Signals 2 events
18-03-2026
Bankruptcy Opening
Date: 12-03-2026 · Ondernemingsrechtbank Antwerpen, afdeling Antwerpen · CELINE BAKKERIJ BV BREDA- BAAN 612, 2170 MERKSEM (ANTWERPEN) · Publications in State Gazette ↗
10-11-2025
KBO administration Address struck
 · Publications in State Gazette ↗
Time machine, BS events + macro context 2021, 2026
COVID lockdownEnergiecrisisECB hikes2021202220232024202520262025-11-10 · KBO administration · Address struck2026-03-18 · Bankruptcy · Opening
Macro context
2020-Q2/Q3 COVID lockdown
2022 energy crisis
2023-2024 ECB rate hikes
Legend
Bankruptcy
Interim / reorg
KBO event
Belgisch Staatsblad, acts 1 acts
All acts · 1 updated 2 years ago
2024
03-06-2024 1 director appointed, 1 resigning Director changes
  • Karokh Nader, Bestuurder
  • Nazim Nazir Mohammed, Bestuurder
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Nazim Nazir Mohammed",
        "address": null,
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": "de_plein_droit_dissolution",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-02-09",
      "evidence_quote": "Nazim Nazir Mohammed neemt ontslag als bestuurder. Er wordt kwijting verleent over zijn mandaat.",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
      "role": "bestuurder",
      "person": {
        "rrn": null,
        "name": "Karokh Nader",
        "address": "Groenendaallaan 99 te 2170 Merksem",
        "birth_date": null,
        "profession": null,
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2024-02-09",
      "evidence_quote": "De heer Karokh Nader, wonende Groenendaallaan 99 te 2170 Merksem neemt alle aandelen over en wordt de nieuwe bestuurder met onmiddellijke ingang.",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2024-06-03",
    "filing_date": "2024-02-09",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decisions": [
    {
      "body": "bijzondere_algemene_vergadering",
      "date": "2024-02-09",
      "unanimous": null
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0797.439.671",
    "name_full": "Celine Bakkerij",
    "legal_form": "BV"
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

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Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
AI due-diligence brief Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE) Crossroads Bank
Activities
Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241
Primary activity highlighted.
Names & trade names
Legal nameNL Celine Bakkerij
Registration history
  1. 10-11-2025 Address struck
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative