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DE WARME BAKKER

Active
Private limited companyfounded 1988active for 38 yearsHoogstraat 100, 9260 Wichelen, BelgiumKBO/BCE: BE 0435.596.217
Summary

DE WARME BAKKER has been active since 1988 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €49,377 and a net result of -€2,364. Equity is growing by about 5.3% per year across the filed financial years. Its solvency ranks better than 55% of 1,003 sector peers (NACE 10, financial year 2025). The computed 12-month bankruptcy probability is 0.5% (low).

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DE WARME BAKKERActiveChecked score 80/100
Risk analysis ReportCompare

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
4th oldest company in Wichelen, Manufacturing sector1 site
Size
≈ €91,000turnover 2025, estimated
Equity
€49,377
Loss
-€2,364
Turnover estimated from the gross margin
Financial health
80 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.5%
Structure
2025 accounts 30 days early
Why 80raises riskSector: Manufacture of food products (NACE 10)Liquidity: current ratio 0.83, cash €5,209lowers riskFounded in 1988Figures for financial year 2025 (filed 01-07-2026)Show the evidence

Checked score

Score 2025
80 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 39% of its sector peers (NACE 10, micro)
Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Average
Solvency 63+6
equity 38.1% of total assets
Liquidity 43-1
short-term debt 28.5% · cash 4.0%
Profitability 55+18
return on assets -1.8%
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,080 companies, NACE 10, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● unchanged vs 11-2024 01-2025: 0.5%● unchanged vs 12-2024lowest value 02-2025: 0.5%● unchanged vs 01-2025lowest value 03-2025: 0.5%● unchanged vs 02-2025lowest value 04-2025: 0.5%● unchanged vs 03-2025 05-2025: 0.5%● unchanged vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.7%▲ +0.2 percentage points vs 06-2025 08-2025: 0.8%▲ +0.1 percentage points vs 07-2025 09-2025: 0.8%● unchanged vs 08-2025 10-2025: 0.8%● unchanged vs 09-2025 11-2025: 0.8%● unchanged vs 10-2025 12-2025: 0.8%● unchanged vs 11-2025 01-2026: 0.8%● unchanged vs 12-2025 02-2026: 0.8%● unchanged vs 01-2026 03-2026: 0.8%● unchanged vs 02-2026 04-2026: 0.9%▲ +0.1 percentage points vs 03-2026 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026highest value 08-2026: 0.5%▼ -0.4 percentage points vs 07-2026 09-2026: 0.5%● unchanged vs 08-2026 10-2026: 0.5%● unchanged vs 09-2026
Credit of up to €3,500 on 30-day terms is acceptable
Liquidity insufficient (current ratio 0.83, compared with 0.95 in 2024, below 1; short-term debt: 28.5% and cash: 4% of total assets), and 61.9% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 10, micro): better than 56% on solvency, 37% on liquidity, 33% on profitability and 32% on growth.

The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises riskneutral
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
lowers risk · Founded in 1988
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
raises risk · Liquidity: current ratio 0.83, cash €5,209
NBB · annual accounts
lowers risk · Figures for financial year 2025 (filed 01-07-2026)
NBB · annual accounts
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025
Net result per financial year
1819202122232425
2018 to 2025 · latest year -€2,364
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
30 days early
2024
29 days early
2023
7 days early
2022
17 days early
2021
18 days late
2020
26 days late
2019
24 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 2 days before the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 14 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
28-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · abbreviated…
  2. Annual accounts filedfinancial year 2024 · abbreviated…
  3. Weakest financial yearnet -€10,969

Key points

  • Positive: 4th oldest company in Wichelen, Manufacturing sectorin the Checked rankings No. 4 View
  • Caution: 2 loss-making years in a rowloss financial year 2025 -€2,364 View
  • Positive: Filed on time since financial year 2022accounts within the deadline every year 4 years View

By topic

Financials

Financial year
2025
Total assets
€129,653
Loss
-€2,364
Solvency
38.1%
Go to Financials

Timeline

Events
41
Since
1990
Next accounts
by 31-07-2027
  1. 24-07-2024Annual accounts filed
  2. 01-02-2024Resignation: VAN DEN BROECK Rita Maria Rosalia…
  3. 14-07-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
01-10-1988
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
23
Who signs
Each director alone
Annual meeting
Last Friday of June at 20:00
Purpose
“De fabricatie of het laten fabriceren van alle producten van de brood- en banketbakkerij…” (deed in Dutch)
Go to Articles of association

Key facts about DE WARME BAKKER

What is the company number of DE WARME BAKKER?
0435.596.217. In Belgium the VAT number is the company number with BE in front: BE 0435.596.217.
Where is DE WARME BAKKER based?
The registered office is at Hoogstraat 100, 9260 Wichelen.Company details
What does DE WARME BAKKER do?
According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
What is the legal form of DE WARME BAKKER?
Private limited company (BV).
When was DE WARME BAKKER founded?
On 01-10-1988.
Is DE WARME BAKKER still active?
Yes, DE WARME BAKKER is an active enterprise in the KBO register.
What is the turnover of DE WARME BAKKER?
€139,348 in financial year 2020, according to the filed annual accounts.Financials
Is DE WARME BAKKER profitable?
In financial year 2025, DE WARME BAKKER made a loss of €2,364.
Where can I find the annual accounts of DE WARME BAKKER?
DE WARME BAKKER filed 37 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of DE WARME BAKKER due?
By 31-07-2027, for financial year 2026.Timeline

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