De Bakploate

Active

Private limited companyfounded 20206 yrs activeKeith Haringplein 3, 8300 Knokke-Heist, BelgiumKBO/BCE: BE 0741.638.145

The computed 12-month bankruptcy probability of De Bakploate is 2.7% (moderate). The 2025 annual accounts show equity of €71k and a net result of €-29k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 18% of 794 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

20 / 100

Critical▼ -21 vs 2024

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

Axes · tick = 2024

Profitability0▼-6

Solvency7▼-6

Growth52▼-26

Stability100

Bankruptcy probability, 12 months

2.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.57 against 0.7 in 2024), and 92% 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

Seven 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

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 →

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

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 794 sector peers (2025).

NBB · sector comparison

Position among 794 sector peers

Solvency

better than 18%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.

NBB · 6 filings

Deviation from the deadline

2025

1 d early

2024

67 d late

2023

57 d late

2022

67 d late

2021

75 d late

2020

2 d early

← before the deadline after the deadline →

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 months

Position in the running window

15-09-2026 today31-12-2026 close31-07-2027 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, abbreviated schema

Equity

€71k▼ 28.8%

2024 · €100k

2020: €11k 2021: €39k 2022: €61k 2023: €98k 2024: €100k

2020 → 2025

Total assets

€881k▲ 5.5%

2024 · €835k

2020: €561k 2021: €512k 2022: €493k 2023: €539k 2024: €835k

2020 → 2025

Net result

€-29k

2024 · €1k

2020: €685 2021: €28k 2022: €22k 2023: €37k 2024: €1k

2020 → 2025

Working capital

€-168k▼ 14.8%

2024 · €-147k

2020: €-46k 2021: €-57k 2022: €-53k 2023: €-24k 2024: €-147k

2020 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€39k-€61k▲ 56.8%€98k▲ 61.1%€100k▲ 1.1%€71k▼ 28.8%

Operating result€43k-€33k▼ 23.0%€60k▲ 81.8%€18k▼ 69.8%€-2k

Net result€28k-€22k▼ 21.7%€37k▲ 68.7%€1k▼ 97.0%€-29k

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

Result per fiscal year

Operating resultNet result

The operating result turns negative in 2025: a loss of €2k after €18k in 2024, the lowest year so far.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €881k

75.0%

25.0%

Fixed assets €661k▲ 35.8%

Current assets €220k▼ 36.8%

Equity and liabilities €881k

92.0%

Equity €71k▼ 28.8%

Debt €810k▲ 10.2%

The debt ratio rises from 88.1% to 92.0%: debt grows while equity shrinks.

Key figures and ratios

2025 value · change against 2024

EBITDA

€112k▲

2024 · €94k

Cash flow

€86k▲

2024 · €77k

Solvency

8.0%▼

2024 · 11.9%

Current ratio

0.57▼

2024 · 0.70

Quick ratio

0.50▼

2024 · 0.67

Debt / equity

11.43▲

2024 · 7.38

ROE

-40.5%▼

2024 · 1.1%

ROA

-3.3%▼

2024 · 0.1%

Interest coverage

3.83▼

2024 · 4.99

Debt

€810k▲

2024 · €735k

Debt ≤ 1 year

€388k▼

2024 · €494k

Debt > 1 year

€417k▲

2024 · €229k

Income taxes

€289▼

2024 · €596

Staff costs

€237k▲

2024 · €208k

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€835k€881k▲

Formation expenses20€579€464▼

Fixed assets21/28€487k€661k▲

Intangible fixed assets21€4k€3k▼

Tangible fixed assets22/27€482k€657k▲

Plant, machinery and equipment23€165k€173k▲

Furniture and vehicles24€30k€22k▼

Leasing and similar rights25-€107k

Other tangible fixed assets26€287k€355k▲

Financial fixed assets28€1k€1k=

Current assets29/58€348k€220k▼

Stocks and contracts in progress3€17k€25k▲

Stocks30/36€17k€25k▲

Amounts receivable within one year40/41€236k€112k▼

Trade receivables40€182k€38k▼

Other amounts receivable41€54k€74k▲

Cash at bank and in hand54/58€83k€81k▼

Deferred charges and accrued income490/1€12k€1k▼

Equity and liabilities

Total equity and liabilities10/49€835k€881k▲

Equity10/15€100k€71k▼

Contributions10/11€10k€10k=

Profit (loss) carried forward14€90k€61k▼

Amounts payable17/49€735k€810k▲

Amounts payable after more than one year17€229k€417k▲

Financial debts170/4€229k€417k▲

Amounts payable within one year42/48€494k€388k▼

Current portion of amounts payable after more than one year42€59k€94k▲

Financial debts43€2k€38k▲

Credit institutions430/8€2k€38k▲

Trade debts44€309k€172k▼

Suppliers440/4€309k€172k▼

Advances received on contracts in progress46€3k-

Taxes, remuneration and social security45€119k€83k▼

Taxes450/3€89k€52k▼

Remuneration and social security454/9€30k€31k▲

Other amounts payable47/48€2k€1k▼

Accrued charges and deferred income492/3€12k€6k▼

Income statement Code20242025

Remuneration, social security and pensions62€208k€237k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€76k€115k▲

Other operating charges640/8€6k€11k▲

Gross operating margin9900€308k€360k▲

Operating profit (loss)9901€18k€-2k▼

Financial income75/76B€3k€3k▲

Recurring financial income75€3k€3k▲

Financial charges65/66B€19k€29k▲

Recurring financial charges65€19k€29k▲

Profit (loss) for the period before taxes9903€2k€-28k▼

Income taxes67/77€596€289▼

Profit (loss) for the period9904€1k€-29k▼

Profit (loss) for the period to be appropriated9905€1k€-29k▼

Appropriation of the result

Profit (loss) to be appropriated9906€90k€61k▼

Profit (loss) brought forward from the previous period14P€88k€90k▲

Social balance

Average headcount (FTE)9087-5.4

The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 8Financial 2Filings 6

Next filing, fiscal year 2026, expected by 31-07-2027

2026

30-07

NBB filing Annual accounts filed

fiscal year 2025 · abbreviated schema

2025

31-12

Financial Weakest financial yearnet €-29k ▼2634%

Net result drops to €-29k, the lowest in the series.

06-10

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 67 days late

2024

26-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 57 days late

2023

31-12

Financial Highest result since 2020net €37k ▲68.7%

Operating result €60k, net result €37k, both a record.

06-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 67 days late

2022

14-10

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 75 days late

2021

29-07

NBB filing Annual accounts filed

fiscal year 2020 · 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, Knokke-Heist · 2 establishment units since 2020

establishment All 2 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.

Keith Haringplein 38300 Knokke-Heist

Ground area

6,299 m²

Building footprint

1,228 m²

Volume, LiDAR

1,060 m³

2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.

2 establishment units

De Bakploate

Natiënlaan 21, 8300 Knokke-HeistArtisanal bread and fresh pastry making

since 20202.299.112.707

De Bakploate

Keith Haringplein 3, 8300 Knokke-HeistArtisanal bread and fresh pastry making

since 20202.299.112.806

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31013D0505/00F000	Flanders	6,093 m²	1 · 1,033 m²	-
31333H0294/00W000	Flanders	206 m²	1 · 195 m²	9.8 m · 2 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1 · via establishment units: 1

2 of 2 parcels 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 · 1 with a smiley

Knokke-Heist2.299.112.806

2 permissions · smiley 2028NL00865 valid until 23-12-2028

Toelating · Bakkerij · since 18-02-2020

Toelating · Eetgelegenheid · since 18-02-2020

Similar companies · same sector, comparable size

BELL IMMOBILIER

BE 0819.816.482

Colfontaine · Eq €71k

Grobbendonk · Eq €71k

Of 4,200 companies in sector 10712 we hold annual accounts for 1,851. 1,570 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded16-01-2020

Fiscal year end31-12

Activities, NACEBEL

10712Artisanal bread and fresh pastry making

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

Sources

Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers

Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.