Turnover
≈ €440,000 estimated
The micro format states no turnover.
FNBP
Lifetime
3 annual accounts with figures on one time axispeak €50,479 (2024)
€46,548▼ 7.8%
peak €8,298 (2023)
€825▼ 75.6%
peak €16,497 (2025)
€16,497▲ 5.3%
€51,603▼ 13.3%
Board1 name since 2023
1 director
Documentsfilings and deeds
24-09-202655 days late
2025micro format
Result from €3,374 to €825Investments €5,529Cash from €10,548 to €17,680
Key points
from the 2025 annual accountsDebts
€51,603 76% of the balance sheet
Financial debts 35%Suppliers 29%Taxes and wages 21%Other 14%
Of this, €33,306 falls due within a year.
Investments
€5,529 3.7 × depreciation
Green is investment, beige is depreciation.
Staff
3 employees on 31-12-2025
In 2025, 6 people joined and 5 left.
Liquidity
1.77 was 1.18 in 2024
Short-term debts fell from €59,532 to €33,306.
Filings
3 annual accounts 3 late
The 2023 accounts came latest: 142 days after the end of the period.
Checked score
Bankruptcy probability within 12 months
Financial strength
Score breakdown
Comparable companies, two years later
In July 2024, 2,542 companies had the same profile as FNBP has now. Each dot stands for 7 companies, two years later.
95.0%
were still trading
1.2%
stopped another way
3.5%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
Test of the method
The method was tested on the 497,331 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,542 companies, not a prediction for FNBP. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Board and ownership
Director
- 760 sharesdeed of 07-03-2023
- 240 sharesdeed of 07-03-2023
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0799156967
First establishment
Boulangerie Jacques, Rue Joseph Wauters 49, Amay
Incorporation
Founding capital of €4,000, 1,000 shares · Founder: · Appointment: (director) · published on 07-03-2023 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| FNBP Amay | €68,100 | €46,548 | 24.2% | - |
| LA MIE RICHARD Eghezée | €59,884 | €49,837 | -56.6% | - |
| PIT SHOP ZWIJNAARDE Ghent | €56,639 | €46,118 | -14.3% | - |
| Pain d'or Trade Liège | €46,883 | €43,834 | 0.5% | - |
| BIE MATIES Jabbeke | €92,318 | €44,846 | 44.0% | - |
| HanToonius Kapellen | €71,561 | €62,307 | 25.7% | - |
| RVC & Things Ninove | €58,606 | €63,459 | 18.2% | 1 |
These companies have the same main activity as FNBP: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €46,900 and €92,300, founded between 2022 and 2023.
Official details
Source: KBO- Status
- Active since 03-03-2023Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241and 1 other
- Establishment unit
- 2.343.826.4404540 Amay, since 01-04-2023
- Financial year end
- 31 December
- Peppol
- Reachable since 30-11-2025
Annual accounts 2025
- €68,100▼ 9.4%
- Employeeson 31-12-2025
- 3▲ 50.0%
- Filing
- Filed on 24-09-2026
Insights on FNBP
FNBP files the micro format. That format states no turnover. The gross margin rose from €23,075 in 2023 to €46,548 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about FNBP
- What is the company number of FNBP?
- The company number of FNBP is 0799.156.967. The VAT number is the same number with BE in front: BE 0799.156.967.
- Where is FNBP based?
- The registered office is at Rue Joseph Wauters 49, 4540 Amay.Company details
- What does FNBP do?
- According to the KBO register, the main activity is retail sale of bread and pastry (bakery outlets) (NACE 47241).
- What is the legal form of FNBP?
- FNBP is a private limited company (BV).
- When was FNBP founded?
- FNBP was founded on 03-03-2023.
- Is FNBP still active?
- Yes, FNBP is an active enterprise in the KBO register.
- How many employees does FNBP have?
- FNBP had an average of 2.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of FNBP?
- The turnover in financial year 2025 is ≈ €440,000. This figure is estimated from the gross margin of €46,548 and 48 comparable companies (NACE 472). It probably lies between €250,000 and €780,000.
- Is FNBP profitable?
- In financial year 2025, FNBP made a profit of €825.
- Where can I find the annual accounts of FNBP?
- FNBP filed 3 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of FNBP due?
- FNBP must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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