COOKIES & CHOCOLATES

Active

Private limited companyfounded 20224 yrs activeDen Aard 15, 2970 Schilde, BelgiumKBO/BCE: BE 0781.481.191

The computed 12-month bankruptcy probability of COOKIES & CHOCOLATES is 3.9% (moderate). The 2024 annual accounts show equity of €27k and a net result of €9k. Equity is growing by ~61.2% per year across the filed fiscal years. Its solvency ranks better than 27% of 2091 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2024

43 / 100

Weak▼ -8 vs 2023

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency12▲+8

Growth78=

Stability94

Bankruptcy probability, 12 months

3.9% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1k at 30 days only on tighter terms

Liquidity short (current ratio 0.85 against 0.52 in 2023), and 93.3% 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

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

+raises risk○neutral

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

Higher-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 10

Relative position

BE, all sectors

reference

Sector 10

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

6.7%

Return on assets

2.3%

Age of the figures

20 mo

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-07-2025, 20 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

not confirmed

2024

20 d early

2023

30 d early

2022

35 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

€27k▲ 51.8%

2023 · €18k

2022: €5k 2023: €18k

2022 → 2024

Total assets

€409k▲ 9.2%

2023 · €375k

2022: €371k 2023: €375k

2022 → 2024

Net result

€9k▼ 26.6%

2023 · €13k

2022: €-20k 2023: €13k

2022 → 2024

Working capital

€-10k▲ 57.2%

2023 · €-23k

2022: €-21k 2023: €-23k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€5k-€18k▲ 240%€27k▲ 51.8%

Operating result€-12k-€23k€22k▼ 1.0%

Net result€-20k-€13k€9k▼ 26.6%

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 2024; 2024 is 1% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €409k

85.7%

14.3%

Fixed assets €351k▲ 0.6%

Current assets €58k▲ 126%

Equity and liabilities €409k

93.3%

Equity €27k▲ 51.8%

Debt €382k▲ 7.0%

The debt ratio falls from 95.2% to 93.3%: equity grows faster than debt.

Key figures and ratios

2024 value · change against 2023

EBITDA

€33k▲

2023 · €32k

Cash flow

€20k▼

2023 · €22k

Solvency

6.7%▲

2023 · 4.8%

Current ratio

0.85▲

2023 · 0.52

Quick ratio

0.60▲

2023 · 0.33

Debt / equity

13.90▼

2023 · 19.71

ROE

34.1%▼

2023 · 70.6%

ROA

2.3%▼

2023 · 3.4%

Interest coverage

2.71▼

2023 · 3.23

Debt

€382k▲

2023 · €357k

Debt ≤ 1 year

€68k▲

2023 · €49k

Debt > 1 year

€313k▲

2023 · €307k

Income taxes

€931

Staff costs

€2k

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€375k€409k▲

Formation expenses20€0-

Fixed assets21/28€349k€351k▲

Tangible fixed assets22/27€349k€345k▼

Land and buildings22€334k€327k▼

Plant, machinery and equipment23€14k€15k▲

Furniture and vehicles24€1k€4k▲

Financial fixed assets28-€6k

Current assets29/58€26k€58k▲

Stocks and contracts in progress3€9k€17k▲

Stocks30/36€9k€17k▲

Amounts receivable within one year40/41€2k€12k▲

Trade receivables40€256€12k▲

Other amounts receivable41€2k€0▼

Cash at bank and in hand54/58€14k€27k▲

Deferred charges and accrued income490/1€773€3k▲

Equity and liabilities

Total equity and liabilities10/49€375k€409k▲

Equity10/15€18k€27k▲

Contributions10/11€25k€25k=

Reserves13-€2k

Distributable reserves133-€2k

Profit (loss) carried forward14€-7k€0▲

Amounts payable17/49€357k€382k▲

Amounts payable after more than one year17€307k€313k▲

Financial debts170/4€307k€313k▲

Amounts payable within one year42/48€49k€68k▲

Current portion of amounts payable after more than one year42€21k€30k▲

Trade debts44€7k€12k▲

Suppliers440/4€7k€12k▲

Advances received on contracts in progress46-€188

Taxes, remuneration and social security45€300€5k▲

Taxes450/3€300€3k▲

Remuneration and social security454/9-€2k

Other amounts payable47/48€21k€21k▲

Income statement Code20232024

Remuneration, social security and pensions62-€2k

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€11k▲

Other operating charges640/8€1k€2k▲

Gross operating margin9900€34k€37k▲

Operating profit (loss)9901€23k€22k▼

Financial income75/76B€57€52▼

Recurring financial income75€57€52▼

Financial charges65/66B€10k€12k▲

Recurring financial charges65€10k€12k▲

Profit (loss) for the period before taxes9903€13k€10k▼

Income taxes67/77-€931

Profit (loss) for the period9904€13k€9k▼

Profit (loss) for the period to be appropriated9905€13k€9k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-7k€2k▲

Profit (loss) brought forward from the previous period14P€-20k€-7k▲

Transfer to equity691/2-€2k

To other reserves6921-€2k

The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

2025

11-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

01-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

31-12

Financial Back to profitnet €13k

Net result €13k after one loss-making year.

26-06

NBB filing Annual accounts filed

fiscal year 2022 · 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, Schilde · 3 establishment units since 2022

establishment All 3 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.

Den Aard 152970 Schilde

Ground area

1.2 ha

Building footprint

943 m²

Volume, LiDAR

4,747 m³

3 parcels, Flanders · tallest building 17.1 m, ±4 floors. Linked by address, not a title deed.

3 establishment units

COOKIES & CHOCOLATES

Den Aard 15, 2970 SchildeArtisanal bread and fresh pastry making

since 20222.327.210.934

Bredabaan 1129, 2930 Brasschaat

Artisanal bread and fresh pastry making

since 20232.343.759.629

Cookies&Chocolates

Bredabaan 294, 2930 BrasschaatArtisanal bread and fresh pastry making

since 20242.364.472.394

3 parcels

Flanders 3 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
11039A0436/00W000	Flanders	1.1 ha	1 · 582 m²	16.5 m · 1 fl.
11008B0157/00M000	Flanders	568 m²	1 · 229 m²	10.0 m · 1 fl.
11324D0767/00M005	Flanders	143 m²	1 · 132 m²	17.1 m · 4 fl.