Confiserie Ann
ActiveConfiserie Ann has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €38k and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 53% of 7983 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▲+4
Solvency72▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.28 against 1.58 in 2024; short-term debt: 38.5% and cash: 55.3% of total assets), but 52.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47.4%
Return on assets
20.1%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €38k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
31 d early
2023
37 d early
2022
34 d early
2021
31 d early
2020
29 d early
2019
21 d early
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€38k▲ 73.9%
2024 · €22k
2018: €-17k
2019: €-22k
2020: €-2k
2021: €8k
2022: €4k
2023: €10k
2024: €22k
2018 → 2025
Total assets
€80k▲ 14.3%
2024 · €70k
2018: €13k
2019: €38k
2020: €56k
2021: €62k
2022: €77k
2023: €76k
2024: €70k
2018 → 2025
Net result
€16k▲ 38.5%
2024 · €12k
2018: €2k
2019: €-5k
2020: €20k
2021: €10k
2022: €-3k
2023: €6k
2024: €12k
2018 → 2025
Working capital
€39k▲ 102%
2024 · €19k
2018: €-13k
2019: €-12k
2020: €8k
2021: €19k
2022: €5k
2023: €12k
2024: €19k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8k-€4k▼ 43.9%€10k▲ 138%€22k▲ 114%€38k▲ 73.9%
Operating result€13k-€-1k€10k€18k▲ 72.5%€28k▲ 56.2%
Net result€10k-€-3k€6k€12k▲ 97.3%€16k▲ 38.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€10k▼ 42.7%
Current assets
€70k▲ 32.9%
Equity and liabilities €80k
Equity
€38k▲ 73.9%
Debt
€42k▼ 12.7%
The debt ratio falls from 68.8% to 52.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€35k▲
2024 · €25k
Cash flow
€23k▲
2024 · €19k
Solvency
47.4%▲
2024 · 31.2%
Current ratio
2.28▲
2024 · 1.58
Quick ratio
1.66▲
2024 · 1.16
Debt / equity
1.11▼
2024 · 2.21
ROE
42.5%▼
2024 · 53.3%
ROA
20.1%▲
2024 · 16.6%
Interest coverage
11.03▲
2024 · 7.68
Debt
€42k▼
2024 · €48k
Debt ≤ 1 year
€31k▼
2024 · €33k
Debt > 1 year
€11k▼
2024 · €15k
Income taxes
€8k▲
2024 · €4k
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€70k€80k▲
Fixed assets21/28€17k€10k▼
Tangible fixed assets22/27€17k€9k▼
Furniture and vehicles24€14k€8k▼
Leasing and similar rights25€3k€2k▼
Financial fixed assets28€500€500=
Current assets29/58€53k€70k▲
Stocks and contracts in progress3€14k€19k▲
Stocks30/36€14k€19k▲
Amounts receivable within one year40/41€6k€7k▲
Trade receivables40€5k€7k▲
Other amounts receivable41€1k-
Cash at bank and in hand54/58€33k€44k▲
Deferred charges and accrued income490/1€46-
Equity and liabilities
Total equity and liabilities10/49€70k€80k▲
Equity10/15€22k€38k▲
Contributions10/11€20k€20k=
Outside capital11-€20k
Share premium1100/10-€20k
Reserves13€6k€18k▲
Distributable reserves133€6k€18k▲
Profit (loss) carried forward14€-5k-
Amounts payable17/49€48k€42k▼
Amounts payable after more than one year17€15k€11k▼
Financial debts170/4€15k€11k▼
Amounts payable within one year42/48€33k€31k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€13k€4k▼
Suppliers440/4€13k€4k▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€12k▲
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3-€157
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€5k
Gross operating margin9900€26k€42k▲
Operating profit (loss)9901€18k€28k▲
Financial income75/76B€1k€1▼
Recurring financial income75€1k€1▼
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€15k€24k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€12k€16k▲
Profit (loss) for the period to be appropriated9905€12k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-5k€11k▲
Profit (loss) brought forward from the previous period14P€-16k€-5k▲
Transfer to equity691/2-€11k
To other reserves6921-€11k
The notes to these accounts (6 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.27
Current ratio from 0.57 to 1.27.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-5k ▼329%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Sint-Katelijne-Waver · 1 establishment unit since 1986
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.
Markt 242860 Sint-Katelijne-WaverGround area
125 m²
Building footprint
125 m²
Volume, LiDAR
826 m³
Parcel 12035A0509/00L000, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Markt 24, 2860 Sint-Katelijne-Waver
since 19862.036.580.425
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12035A0509/00L000 | Flanders | 125 m² | 1 · 125 m² | 10.7 m · 2 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 siteSint-Katelijne-Waver2.036.580.425
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Of 1,641 companies in sector 46170 we hold annual accounts for 671. 450 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-1986
Fiscal year end31-12
Activities, NACEBEL
46170Agents in the wholesale of food, beverages and tobacco
46180Agents specialised in the wholesale of other particular products
47241Retail sale of bread and pastry (bakery outlets)
47279Other retail sale of food
47299Retail trade
51180
52240
52272
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:03/4882354