CPBK
ActiveSummary
The computed 12-month bankruptcy probability of CPBK is 2.8% (moderate). The 2024 annual accounts show negative equity (-€12,085) and a net result of €26,408. The figures fluctuate too strongly year-on-year for a reliable trend projection. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+99
Solvency10▲+10
Growth58=
Track record94
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.61 against 0.32 in 2023; short-term debt: 55.6% and cash: 23.2% of total assets), and equity is negative.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · 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 2024Solvency, return and age of the figures
Solvency
-15%
Return on assets
32.8%
Age of the figures
21 mo
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 26-06-2026, 35 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
35 d early
2024
34 d early
2023
33 d early
2022
26 d early
2021
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 32 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 27 June (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2024, micro schema
Equity
-€12,085▲ 68.6%
2023 · -€38,494
Total assets
€80,421▼ 3.1%
2023 · €83,005
Net result
€26,408
2023 · -€12,799
Working capital
-€17,464▲ 60.0%
2023 · -€43,628
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line2021202220232024
Operating result-€19,163--€19,046▲ 0.6%-€8,527▲ 55.2%€30,632
Net result-€21,869below the sector's middle half--€23,826below the sector's middle half▼ 9.0%-€12,799below the sector's middle half▲ 46.3%€26,408within the sector's middle half
Equity-€1,869below the sector's middle half--€25,695below the sector's middle half▼ 1,275%-€38,494below the sector's middle half▼ 49.8%-€12,085below the sector's middle half▲ 68.6%
Total assets€106,263within the sector's middle half-€98,400within the sector's middle half▼ 7.4%€83,005within the sector's middle half▼ 15.6%€80,421within the sector's middle half▼ 3.1%
Debt€108,132-€124,095▲ 14.8%€121,499▼ 2.1%€92,507▼ 23.9%
Working capital-€879within the sector's middle half--€30,994within the sector's middle half▼ 3,428%-€43,628below the sector's middle half▼ 40.8%-€17,464within the sector's middle half▲ 60.0%
Solvency-1.8%below the sector's middle half--26.1%below the sector's middle half▼ 24.4pp-46.4%below the sector's middle half▼ 20.3pp-15.0%below the sector's middle half▲ 31.3pp
Current ratio0.97within the sector's middle half-0.46below the sector's middle half▼ 0.510.32below the sector's middle half▼ 0.140.61within the sector's middle half▲ 0.29
Return on assets (ROA)-20.6%below the sector's middle half--24.2%below the sector's middle half▼ 3.6pp-15.4%below the sector's middle half▲ 8.8pp32.8%above the sector's middle half▲ 48.3pp
above
within
below
the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2024: €30,632 after a loss of €8,527 in 2023, the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €80,421
Fixed assets
€53,148 ▼ 14.8%
Current assets
€27,273 ▲ 32.4%
Key figures and ratios
EBITDA
€39,897▲
2023 · €738
Cash flow
€35,674▲
2023 · -€3,534
Quick ratio
0.57▲
2023 · 0.29
Debt to equity
-7.65▼
2023 · -3.16
Interest coverage
9.47▲
2023 · 0.17
Debt ≤ 1 year
€44,737▼
2023 · €64,219
Debt > 1 year
€47,770▼
2023 · €57,280
Income taxes
€9
Staff costs
€17,778▼
2023 · €19,074
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,180 companies that looked in July 2024 the way this one looks now, 4.8% went bankrupt within 24 months and 89% are still going.
- Micro
- 5 to 10 years old
- negative equity
- a profit of 5% of the balance sheet or more
4.8%
went bankrupt
5.8%
stopped otherwise
89%
still going
A further 0.6% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 2.8% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,180 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €12,378 | €21,481 | €19,074 | €17,778 | ▼ 6.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €6,394 | €8,881 | €9,265 | €9,265 | = |
| Other operating charges640/8 | €3,558 | €490 | €2,593 | €957 | ▼ 63.1% |
| Non-recurring operating charges66A | €3,814 | €5,826 | €17,130 | - | - |
| Gross operating margin9900 | €6,981 | €17,632 | €39,536 | €58,632 | ▲ 48.3% |
| Operating profit (loss)9901 | -€19,163 | -€19,046 | -€8,527 | €30,632 | ▲ 459% |
| Financial income75/76B | - | €108 | €1 | €0 | ▼ 96.4% |
| Recurring financial income75 | - | €108 | €1 | €0 | ▼ 96.4% |
| Financial charges65/66B | €2,705 | €4,888 | €4,273 | €4,214 | ▼ 1.4% |
| Recurring financial charges65 | €2,705 | €4,888 | €4,273 | €4,214 | ▼ 1.4% |
| Profit (loss) for the period before taxes9903 | -€21,869 | -€23,826 | -€12,799 | €26,418 | ▲ 306% |
| Income taxes67/77 | - | - | - | €9 | - |
| Profit (loss) for the period9904 | -€21,869 | -€23,826 | -€12,799 | €26,408 | ▲ 306% |
| Profit (loss) for the period to be appropriated9905 | -€21,869 | -€23,826 | -€12,799 | €26,408 | ▲ 306% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €106,263 | €98,400 | €83,005 | €80,421 | ▼ 3.1% |
| Fixed assets21/28 | €76,260 | €72,079 | €62,413 | €53,148 | ▼ 14.8% |
| Tangible fixed assets22/27 | €75,860 | €71,679 | €62,413 | €53,148 | ▼ 14.8% |
| Plant, machinery and equipment23 | €861 | €4,805 | €3,665 | €2,525 | ▼ 31.1% |
| Other tangible fixed assets26 | €74,999 | €66,874 | €58,748 | €50,623 | ▼ 13.8% |
| Financial fixed assets28 | €400 | €400 | - | - | - |
| Current assets29/58 | €30,003 | €26,321 | €20,592 | €27,273 | ▲ 32.4% |
| Stocks and contracts in progress3 | €2,402 | €2,133 | €1,910 | €1,786 | ▼ 6.5% |
| Stocks30/36 | €2,402 | €2,133 | €1,910 | €1,786 | ▼ 6.5% |
| Amounts receivable within one year40/41 | €14,021 | €2,923 | €10,823 | €6,803 | ▼ 37.1% |
| Trade receivables40 | €13,613 | €2,252 | €10,530 | €6,699 | ▼ 36.4% |
| Other amounts receivable41 | €408 | €671 | €293 | €104 | ▼ 64.4% |
| Cash at bank and in hand54/58 | €13,580 | €20,860 | €7,605 | €18,684 | ▲ 146% |
| Deferred charges and accrued income490/1 | - | €404 | €254 | - | - |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €106,263 | €98,400 | €83,005 | €80,421 | ▼ 3.1% |
| Equity10/15 | -€1,869 | -€25,695 | -€38,494 | -€12,085 | ▲ 68.6% |
| Contributions10/11 | €20,000 | €20,000 | €20,000 | €20,000 | = |
| Capital10 | €20,000 | - | - | - | - |
| Issued capital100 | €20,000 | - | - | - | - |
| Profit (loss) carried forward14 | -€21,869 | -€45,695 | -€58,494 | -€32,085 | ▲ 45.1% |
| Amounts payable17/49 | €108,132 | €124,095 | €121,499 | €92,507 | ▼ 23.9% |
| Amounts payable after more than one year17 | €77,250 | €66,780 | €57,280 | €47,770 | ▼ 16.6% |
| Financial debts170/4 | €77,250 | €66,780 | €57,280 | €47,770 | ▼ 16.6% |
| Amounts payable within one year42/48 | €30,882 | €57,315 | €64,219 | €44,737 | ▼ 30.3% |
| Current portion of amounts payable after more than one year42 | €8,500 | €9,490 | €9,500 | €9,510 | ▲ 0.1% |
| Trade debts44 | €18,342 | €39,501 | €50,573 | €31,406 | ▼ 37.9% |
| Suppliers440/4 | €18,342 | €39,501 | €50,573 | €31,406 | ▼ 37.9% |
| Taxes, remuneration and social security45 | €2,566 | €4,804 | €3,341 | €3,327 | ▼ 0.4% |
| Taxes450/3 | - | €1,980 | €1,074 | €1,091 | ▲ 1.6% |
| Remuneration and social security454/9 | €2,566 | €2,824 | €2,267 | €2,236 | ▼ 1.3% |
| Other amounts payable47/48 | €1,474 | €3,519 | €806 | €494 | ▼ 38.7% |
| Line | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€21,869 | -€23,826 | -€12,799 | €26,408 | ▲ 306% |
| + Depreciation and write-downs630 | €6,394 | €8,881 | €9,265 | €9,265 | = |
| Operating cash flow (approximation) | -€15,475 | -€14,945 | -€3,534 | €35,674 | ▲ 1,109% |
| Investment in fixed assets (approximation) | - | -€4,700 | €400 | €0 | ▼ 100% |
| Change in cash | - | €7,280 | -€13,256 | €11,079 | ▲ 184% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €26,408
Net result €26,408 after 3 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet -€23,826
Net result drops to -€23,826, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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 · 1 establishment unit since 2021
Ground area
643 m²
Building footprint
499 m²
Volume, LiDAR
4,004 m³
Parcel 11041B0318/00S000, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CPBK
since 20212.315.498.282
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11041B0318/00S000 | Flanders | 643 m² | 1 · 499 m² | 11.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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 siteSchilde2.315.498.282
Similar companies · same sector and region
'T MEIKLOKJE
BE 0445.747.662
Kalmthout
@CHOCOLAT
BE 0885.590.895
Lille
Aux Merveilleux de Fred Antwerpen
BE 0721.727.114
Antwerpen
Bakkerij Lambert
BE 1025.808.949
Antwerpen
BarLeCake
BE 1013.368.601
Antwerpen
This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 430 companies in sector 10720 we hold annual accounts for 140. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-04-2021
Fiscal year end31-12
Activities, NACEBEL 2025
10720Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
10712Artisanal bread and fresh pastry making
42990Civil engineering
E-invoicing
Reachable via Peppol
Peppol ID
0208:0766410361
Also
9925:BE0766410361
Registered
03-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.