Losses
-€25,919 in two years
The 2024 and 2025 financial years closed with a loss. 2025 was the heaviest.
CHABRÉ
Lifetime
20 annual accounts with figures on one time axispeak €112,018 (2020)
€15,681▼ 47.4%
lowest -€29,778 (2015)
-€15,167▼ €4,414
peak €48,313 (2023)
€22,394▼ 40.4%
€92,126▲ 36.7%
peak 2.7 FTE (2017)
0.3 FTE▼ 50.0%
Board1 name since 2005
1 directorULENAERS Koen Jozef Frieda
Documentsfilings and deeds
18-06-202643 days before the deadline
2025abbreviated format
Gross margin from €29,815 to €15,681Loss of €15,167Staff from 0.6 FTE to 0.3 FTEEquity from €37,560 to €22,394Debts from €67,414 to €92,126Cash from €12,172 to €114
Key points
from the 2025 annual accountsDebts
€92,126 80% of the balance sheet
Financial debts 47%Suppliers 14%Taxes and wages 3%Other 36%
€41,820 of the debts are secured on the company's own assets. In 2024 that was €50,019.
Investments
€32,500 1.9 × depreciation
Green is investment, beige is depreciation. Machinery stands 14.0% higher than in 2024.
Liquidity
0.52 was 1.04 in 2024
Short-term debts rose from €32,775 to €68,098.
Filings
20 annual accounts since 2006
The last five annual accounts were filed 3 to 43 days before the end of the period.
Position in the sector
-€15,167
Lower net result than 84% of companies in food products. Sector median €33,053 · 1,012 companies.
Checked score
52
Fair
Financially stronger than 19% of micro companies in food products (NACE 10)
Probability in this band: 1.5% to 4.2%
Bankruptcy probability within 12 months
1.9% Moderate
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.1% across 3,080 companies (NACE 10, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.6%lowest value
01-2025: 0.6%● unchanged vs 12-2024
02-2025: 0.6%● unchanged vs 01-2025
03-2025: 0.6%● unchanged vs 02-2025
04-2025: 0.7%▲ +0.1 percentage points vs 03-2025
05-2025: 0.7%● unchanged vs 04-2025
06-2025: 0.6%▼ -0.1 percentage points vs 05-2025
07-2025: 0.8%▲ +0.2 percentage points vs 06-2025
08-2025: 1.0%▲ +0.2 percentage points vs 07-2025
09-2025: 1.0%● unchanged vs 08-2025
10-2025: 1.0%● unchanged vs 09-2025
11-2025: 1.0%● unchanged vs 10-2025
12-2025: 1.0%● unchanged vs 11-2025
01-2026: 1.0%● unchanged vs 12-2025
02-2026: 1.0%● unchanged vs 01-2026
03-2026: 1.0%● unchanged vs 02-2026
04-2026: 1.0%● unchanged vs 03-2026
05-2026: 1.0%● unchanged vs 04-2026
06-2026: 1.0%● unchanged vs 05-2026
07-2026: 1.9%▲ +0.9 percentage points vs 06-2026highest value
08-2026: 1.9%● unchanged vs 07-2026highest value
09-2026: 1.9%● unchanged vs 08-2026highest value
10-2026: 1.9%● unchanged vs 09-2026highest value
11-2026: 1.9%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Loss of €15,167, the second in a row (financial year 2025)
Sector: Manufacture of food products (NACE 10)
lowers risk
Founded in 2005
Size: 0.3 FTE, total assets €114,520
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 10, micro). It does better than 36% of them on solvency, 13% on liquidity, 14% on profitability and 14% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 1,221 companies had the same profile as CHABRÉ has now. Each dot stands for 4 companies, two years later.
88.6%
were still trading
7.4%
stopped another way
3.8%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CHABRÉ itself: 1.9% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,221 companies, not a prediction for CHABRÉ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.52 (1.04 in 2024), below 1. Short-term debt is 59.5% and cash 0.1% of total assets. 80.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
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 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€15,167
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 18-06-2026, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 days early
2024
3 days early
2023
29 days early
2022
28 days early
2021
37 days early
2020
22 days early
2019
31 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 28 days before the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% 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 3 July (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0877205642
Company renamed from BAKKERIJ CHABRÉ to CHABRÉ
Change of role: ULENAERS Koen Jozef Frieda, from manager to director · “De uitoefening van alle activiteiten van warme bakker en koude bakker; Kleinhandel in producten van brood- en…” (deed in Dutch) · Director discharge: ULENAERS Koen Jozef Frieda · General meeting of 24-07-2023 · Gazette deed
First establishment
Slinkerstraat 85, Lommel
Incorporation
published on 22-11-2005 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CHABRÉ Lommel | €114,520 | €15,681 | 19.6% | 0.3 |
| BOULANGERIE - PATISSERIE MICHEL Honnelles | €111,207 | €30,119 | -159.5% | 0.5 |
| BROOD- EN BANKETBAKKERIJ FABRY Oud-Turnhout | €107,846 | €14,049 | 83.4% | - |
| A & S BAKERY Sint-Gillis (bij-Brussel) | €130,240 | €14,655 | 62.4% | - |
| ZABIZAK Brussels | €94,897 | €19,340 | 57.3% | - |
| JONCKERS Glabbeek | €110,585 | €11,071 | 33.2% | - |
| Mattetaarten VAN BELLE Geraardsbergen | €110,832 | €13,719 | 46.9% | - |
These companies have the same main activity as CHABRÉ: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €94,900 and €130,000, founded between 1988 and 2006.
Official details
Source: KBO- Status
- Active since 10-11-2005Normal situation
- Activity
- Artisanal bread and fresh pastry makingNACE 10712and 2 others
- Establishment unit
- 2.150.352.2203920 Lommel, since 08-12-2005
- Financial year end
- 31 December
- Peppol
- Reachable since 09-04-2025
Annual accounts 2025
- ≈ €110,000estimated
- €114,520▲ 9.1%
- Filing
- Filed on 18-06-2026, 43 days before the end of the filing period
Insights on CHABRÉ
CHABRÉ files the abbreviated format. That format states no turnover. The gross margin fell from €41,271 in 2006 to €15,681 in 2025.
The balance sheet grew most from 2021 to 2023 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CHABRÉ
- What is the company number of CHABRÉ?
- The company number of CHABRÉ is 0877.205.642. The VAT number is the same number with BE in front: BE 0877.205.642.
- Where is CHABRÉ based?
- The registered office is at Slinkerstraat 85, 3920 Lommel.Company details
- What does CHABRÉ do?
- According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
- What is the legal form of CHABRÉ?
- CHABRÉ is a private limited company (BV).
- When was CHABRÉ founded?
- CHABRÉ was founded on 10-11-2005.
- Is CHABRÉ still active?
- Yes, CHABRÉ is an active enterprise in the KBO register.
- How many employees does CHABRÉ have?
- CHABRÉ had an average of 0.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of CHABRÉ?
- The turnover in financial year 2025 is ≈ €110,000. This figure is estimated from the gross margin of €15,681 and 2,728 comparable companies of the same size. It probably lies between €44,000 and €270,000. It is a rough estimate.
- Is CHABRÉ profitable?
- In financial year 2025, CHABRÉ made a loss of €15,167.
- Where can I find the annual accounts of CHABRÉ?
- CHABRÉ filed 20 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CHABRÉ due?
- CHABRÉ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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