CZYZOWICZ

Active

Private limited companyfounded 20241 yr activeDelaeystraat 61, 8830 Hooglede, BelgiumKBO/BCE: BE 1015.891.886

CZYZOWICZ has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €6k. Its solvency ranks better than 45% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).

Watch Print / PDF

Checked score

Score 2025

58 / 100

Fair

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes

Profitability61

Solvency53

Growth-

Track record67

Bankruptcy probability, 12 months

1.3% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity tight (current ratio 1.07; short-term debt: 72% and cash: 34.7% of total assets), and 72.3% 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

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

+raises risk○neutral

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 →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 1 filing

Deviation from the deadline

2025

31 d late

← 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 2025, micro schema

Equity

€11k

Total assets

€39k

Net result

€6k

Working capital

€2k

Turnover and EBIT margin not published: the micro schema does not require them.

Balance-sheet composition

Assets €39k

22.9%

77.1%

Fixed assets €9k

Current assets €30k

Equity and liabilities €39k

27.7%

72.3%

Equity €11k

Debt €28k

Debt finances 72.3% of the balance-sheet total.

Key figures and ratios

2025 value

EBITDA

€8k

Cash flow

€7k

Solvency

27.7%

Current ratio

1.07

Quick ratio

1.07

Debt / equity

2.60

ROE

53.6%

ROA

14.9%

Interest coverage

2.80

Debt

€28k

Debt ≤ 1 year

€28k

Income taxes

€1k

Filed annual accounts

As filed with the NBB · 2025

Balance sheet Code2025

Assets

Total assets20/58€39k

Fixed assets21/28€9k

Tangible fixed assets22/27€9k

Plant, machinery and equipment23€9k

Current assets29/58€30k

Amounts receivable within one year40/41€13k

Trade receivables40€12k

Other amounts receivable41€2k

Cash at bank and in hand54/58€13k

Deferred charges and accrued income490/1€3k

Equity and liabilities

Total equity and liabilities10/49€39k

Equity10/15€11k

Contributions10/11€5k

Reserves13€6k

Distributable reserves133€6k

Amounts payable17/49€28k

Amounts payable within one year42/48€28k

Trade debts44€22k

Suppliers440/4€22k

Taxes, remuneration and social security45€1k

Taxes450/3€1k

Other amounts payable47/48€4k

Accrued charges and deferred income492/3€103

Income statement Code2025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€796

Other operating charges640/8€507

Gross operating margin9900€9k

Operating profit (loss)9901€7k

Financial income75/76B€3k

Recurring financial income75€3k

Financial charges65/66B€3k

Recurring financial charges65€3k

Profit (loss) for the period before taxes9903€7k

Income taxes67/77€1k

Profit (loss) for the period9904€6k

Profit (loss) for the period to be appropriated9905€6k

Appropriation of the result

Profit (loss) to be appropriated9906€6k

Transfer to equity691/2€6k

To other reserves6921€6k

The notes to these accounts (5 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 1Filings 1

2026

31-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 31 days late

NBB filing

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, Hooglede · 1 establishment unit since 2024

establishment The establishment unit 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.

Delaeystraat 618830 Hooglede

Ground area

569 m²

Building footprint

221 m²

Volume, LiDAR

1,375 m³

Parcel 36006A0302/00F000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Bakkerij Jan

Delaeystraat 61, 8830 HoogledeManufacture of food products

since 20242.366.055.771

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
36006A0302/00F000	Flanders	569 m²	1 · 221 m²	8.9 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 site

Hooglede2.366.055.771

1 permission

Toelating · Bakkerij · since 14-12-2024

Similar companies · same sector, comparable size

Braine-le-Château · Eq €10k

ALINAK COMPANY

BE 0772.336.467

Charleroi · Eq €10k

Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 975 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-11-2024

Fiscal year end31-12

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

10720Manufacture of food products

47241Retail sale of bread and pastry (bakery outlets)

47271Retail trade

47279Other retail sale of food

47291Retail trade

47299Retail trade

47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels

47990Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers

Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:czyzowiczmarta@gmail.com

Establishment Hooglede 2.366.055.771