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Desembrood & Co

Active
Private limited companyfounded 2019active for 6 yearsSint-Pietersnieuwstraat 11, 9000 Gent, BelgiumKBO/BCE: BE 0736.619.780
Summary

The computed 12-month bankruptcy probability of Desembrood & Co is 5.1% (elevated). The 2025 annual accounts show negative equity (-€177,096) and a net result of -€407,092. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 1,870 sector peers (NACE 10, financial year 2025). The company has been active since 2019 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712Limited-service restaurants, excluding mobile food services NACE 56112
2 sites
Size
€2.8mtotal assets 2025
Staff
21.2 FTE
Equity
-€177,096
Loss
-€407,092
Turnover not published (micro format)
Financial health
35 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
5.1%
Structure
Accounts filed 39 days late1 of 6 deeds read
Why 35raises riskNegative equity -€177,096Sector: Manufacture of food products (NACE 10)Loss of €407,092, the second in a row (financial year 2025)lowers riskSize: total assets €2.8mShow the evidence

Checked score

Score 2025
35 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 14% of its sector peers (NACE 10, small)
Financial strength · tick = 2024
Weak
Solvency 19-4
equity -6.4% of total assets
Liquidity 41-8
short-term debt 30.9% · cash 2.9%
Profitability 0-11
return on assets -14.6%
Bankruptcy probability, 12 months
5.1% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.5% (627 companies, NACE 10, small)
Last 24 months 11-2024: 7.0% 12-2024: 7.0%● unchanged vs 11-2024 01-2025: 6.9%▼ -0.1 percentage points vs 12-2024 02-2025: 6.7%▼ -0.2 percentage points vs 01-2025 03-2025: 6.6%▼ -0.1 percentage points vs 02-2025 04-2025: 6.8%▲ +0.2 percentage points vs 03-2025 05-2025: 7.1%▲ +0.3 percentage points vs 04-2025 06-2025: 12.3%▲ +5.2 percentage points vs 05-2025 07-2025: 12.4%▲ +0.1 percentage points vs 06-2025 08-2025: 13.7%▲ +1.3 percentage points vs 07-2025 09-2025: 14.7%▲ +1.0 percentage point vs 08-2025highest value 10-2025: 4.4%▼ -10.3 percentage points vs 09-2025 11-2025: 4.4%● unchanged vs 10-2025 12-2025: 4.4%● unchanged vs 11-2025 01-2026: 4.2%▼ -0.2 percentage points vs 12-2025lowest value 02-2026: 4.2%● unchanged vs 01-2026lowest value 03-2026: 4.6%▲ +0.4 percentage points vs 02-2026 04-2026: 5.3%▲ +0.7 percentage points vs 03-2026 05-2026: 5.6%▲ +0.3 percentage points vs 04-2026 06-2026: 6.4%▲ +0.8 percentage points vs 05-2026 07-2026: 6.6%▲ +0.2 percentage points vs 06-2026 08-2026: 7.4%▲ +0.8 percentage points vs 07-2026 09-2026: 8.1%▲ +0.7 percentage points vs 08-2026 10-2026: 5.1%▼ -3.0 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.31, compared with 0.34 in 2024; short-term debt: 30.9% and cash: 2.9% of total assets), and equity is negative.
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, small): better than 5% on solvency, 43% on liquidity, 4% on profitability and 2% on growth.

The bankruptcy probability was computed on 08-10-2026 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 risk+raises risk○neutral
raises risk · Negative equity -€177,096
NBB · annual accounts
lowers risk · Size: total assets €2.8m
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
raises risk · Loss of €407,092, the second in a row (financial year 2025)
NBB · annual accounts
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
202122232425
2020 to 2025 · latest year -€177,096
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-09-2026, 39 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.
NBB · 6 filings
Deviation from the deadline
2025
39 days late
2024
61 days late
2023
61 days late
2022
40 days early
2021
30 days late
2020
30 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 30 days after 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 8 September (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
09-10-2026 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 · micro…
  2. Resignation: Kali Carpentier (non-statutory director)Permanent representative: Floris Vandamme ·…
  3. Weakest financial yearnet -€407,092

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€177,096 View
  • Risk: 3 loss-making years in a rowloss financial year 2025 -€407,092 View
  • Caution: Result fell in 2025from -€172,469 to -€407,092 ▼ 136% View
  • Caution: Among the weakest 5% on net resultsector median €8,244 · 1,872 companies -€407,092 View
  • A director leftlatest change 24-06-2026 · 0 in office 1 left View

By topic

Financials

Financial year
2025
Total assets
€2.8m
Loss
-€407,092
Solvency
-6.4%
Total assets▼ 3.3%
Net result
20202025
Go to Financials

Timeline

Events
9
Since
2021
Next accounts
by 31-07-2027
  1. 30-09-2025Annual accounts filed
  2. 30-09-2024Annual accounts filed
  3. 21-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
2
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
21-10-2019
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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