GREGOR
ActiveFrom the official registers: KBO 34 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
The computed 12-month bankruptcy probability of GREGOR is 2.2% (moderate). The 2025 annual accounts show equity of €93,291 and a net result of -€13,200. Equity has been growing by about 3.8% per year since 2018. Its solvency ranks better than 65% of 1,008 sector peers (NACE 10, financial year 2025). The company has been active since 1990 and the Belgian Official Gazette contains no insolvency or warning signals.
Overview
Overview
Official details
KBO- Status
- Active since 15-10-1990 Normal situation
- Activity
- Artisanal bread and fresh pastry making NACE 10712
- Establishment unit
- 2.051.851.985 2223 Heist-op-den-Berg, since 28-03-2001
- Financial year end
- 31 December
- Peppol
- Reachable since 26-11-2025
Board and ownership
- De Wijngaert AlexandraDirector · since 18-10-2023
- Gregor EralyDirector
Financial position
- Bankruptcy probabilitywithin 12 months
- 2.2%
- Gross margin
- €109,175
- ▼ 12.1%
- Turnover
- ≈ €280,000
- estimated
- Loss
- €13,200
- Equity
- €93,291
- ▼ 12.4%
- Total assets
- €193,983
- ▼ 4.7%
- Staff
- 6.7 FTE
- ▲ 11.7%
Score breakdownraises riskLast filed accounts filed 76 days late; 3 of the last 3 accounts lateSector: Manufacture of food products (NACE 10)Loss of €13,200 (financial year 2025)lowers riskFounded in 1990Show the evidence
Checked score
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Calculation
The band follows from the bankruptcy probability. 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). It does better than 65% of them on solvency, 32% on liquidity, 36% on profitability and 26% on growth.
The bankruptcy probability was computed on 31-10-2026 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. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 7 accounts on average 43 days after the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 76 days after the deadline Filed on 15 October 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00561353.
Annual accounts 2025 filed on 15-10-2026 at the NBB all 34 filings
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result for 2025 is a loss of €8,721, after a profit of €10,715 in 2024. It is the lowest result since 2021.
Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.
Assets, equity and debt per financial year.
Above zero, the company can pay its short-term debts with what it holds in the short term.
The EBIT margin is the share of each euro of turnover left from operations. The return on assets is what the assets earn.
The higher the solvency, the better the company absorbs a setback.
A ratio above 1 means the short-term assets cover the short-term debts.
Average staff per financial year, in full-time equivalents (FTE).
Use the arrow keys on the chart for the figures per year.
The sector band is the middle half of the companies in Manufacture of food products (NACE 10). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).
Comparable companies
These companies have the same main activity as GREGOR: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €168,000 and €224,000, founded between 1990 and 1993.
| Company | Founded | Total assets | Equity | Gross margin | Net result | Financial year |
|---|---|---|---|---|---|---|
| GREGOR Heist-op-den-Berg | 1990 | €193,983 | €93,291 | €109,175 | -€13,200 | 2025 |
| Bakkerij K. Engels Heist-op-den-Berg | 1990 | €223,932 | €188,971 | €100,146 | €32,880 | 2026 |
| BOULANGERIE - PATISSERIE DELNOOZ Soumagne | 1993 | €185,964 | €102,359 | €111,128 | €36,267 | 2025 |
| De Bast Ternat | 1990 | €217,909 | €99,768 | €111,055 | €23,729 | 2025 |
| CLAES Steenokkerzeel | 1992 | €201,015 | €176,915 | €121,686 | -€23,957 | 2025 |
| EVERIX Beveren-Kruibeke-Zwijndrecht | 1992 | €182,988 | €144,831 | €94,800 | €21,648 | 2025 |
| BIA CONSTRUCTION Charleroi | 1992 | €167,681 | -€12,997 | €105,313 | €16,755 | 2025 |
They were chosen from the 1,932 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity
Companies with the same profile, two years later
Historical observationIn July 2024, 12,322 companies had the same profile as GREGOR has now. Two years later, 0.7% had gone bankrupt and 90.3% were still going.
- Micro
- 20 years or older
- solvency 30% or more
- a small loss
Another 0.5% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of GREGOR itself is higher: 2.2% within 12 months. It rests on far more data about GREGOR than the profile alone.
Test of the method
The method was tested on the 497,445 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 12,322 companies, not a prediction for GREGOR. 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.
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €57,424 awarded · €57,424 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €16,258 | €16,258 |
| 2024 | 1 | €14,631 | €14,631 |
| 2023 | 1 | €14,214 | €14,214 |
| 2022 | 1 | €12,321 | €12,321 |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | - | - | €248 | - |
| Remuneration, social security and pensions62 | - | - | - | €64,815 | €69,575 | €78,257 | €78,513 | €78,942 | ▲ 0.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €36,298 | €31,528 | €29,795 | €30,016 | €29,067 | €29,248 | €30,937 | €36,283 | ▲ 17.3% |
| Other operating charges640/8 | - | - | - | €2,149 | €2,170 | €2,744 | €3,992 | €2,671 | ▼ 33.1% |
| Gross operating margin9900 | €110,488 | €110,105 | €115,850 | €99,848 | €103,256 | €121,570 | €124,157 | €109,175 | ▼ 12.1% |
| Operating profit (loss)9901 | €21,349 | €15,505 | €17,177 | €2,869 | €2,443 | €11,321 | €10,715 | -€8,721 | - |
| Financial income75/76B | - | - | - | €127 | €2 | €1 | €206 | - | - |
| Recurring financial income75 | €10 | €0 | €0 | €127 | €2 | €1 | €206 | - | - |
| Financial charges65/66B | - | - | - | €2,767 | €2,401 | €2,103 | €3,675 | €4,479 | ▲ 21.9% |
| Recurring financial charges65 | €7,764 | €5,967 | €4,150 | €2,767 | €2,401 | €2,103 | €3,675 | €4,479 | ▲ 21.9% |
| Profit (loss) for the period before taxes9903 | €13,595 | €8,838 | €13,027 | €228 | €44 | €9,219 | €7,246 | -€13,200 | - |
| Income taxes67/77 | €3,901 | €2,532 | €3,451 | €134 | - | €2,349 | €2,727 | - | - |
| Profit (loss) for the period9904 | €9,694 | €6,306 | €9,576 | €94 | €44 | €6,870 | €4,518 | -€13,200 | - |
| Profit (loss) for the period to be appropriated9905 | €9,694 | €6,306 | €9,576 | €94 | €44 | €6,870 | €4,518 | -€13,200 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €330,571 | €299,877 | €271,923 | €255,863 | €230,219 | €228,445 | €203,466 | €193,983 | ▼ 4.7% |
| Fixed assets21/28 | €310,054 | €279,246 | €250,449 | €228,986 | €204,944 | €192,298 | €163,427 | €159,723 | ▼ 2.3% |
| Tangible fixed assets22/27 | €309,868 | €279,060 | €250,263 | €228,800 | €204,758 | €192,112 | €163,241 | €159,537 | ▼ 2.3% |
| Land and buildings22 | - | - | - | €221,291 | €196,995 | €170,541 | €145,320 | €120,195 | ▼ 17.3% |
| Plant, machinery and equipment23 | - | - | - | €2,150 | €3,720 | €18,844 | €14,562 | €10,948 | ▼ 24.8% |
| Furniture and vehicles24 | - | - | - | €5,360 | €4,043 | €2,727 | €3,359 | €1,930 | ▼ 42.5% |
| Leasing and similar rights25 | - | - | - | - | - | - | - | €26,465 | - |
| Financial fixed assets28 | €186 | €186 | €186 | €186 | €186 | €186 | €186 | €186 | = |
| Current assets29/58 | €20,517 | €20,631 | €21,474 | €26,876 | €25,275 | €36,148 | €40,039 | €34,259 | ▼ 14.4% |
| Stocks and contracts in progress3 | €6,886 | €6,608 | €6,588 | €6,912 | €6,980 | €5,935 | €4,960 | €3,084 | ▼ 37.8% |
| Stocks30/36 | - | - | - | €6,912 | €6,980 | €5,935 | €4,960 | €3,084 | ▼ 37.8% |
| Amounts receivable within one year40/41 | €4,902 | €7,028 | €8,507 | €15,405 | €13,211 | €22,716 | €26,383 | €23,909 | ▼ 9.4% |
| Trade receivables40 | - | - | - | €3,480 | €3,043 | €5,345 | €4,989 | €3,831 | ▼ 23.2% |
| Other amounts receivable41 | - | - | - | €11,926 | €10,168 | €17,371 | €21,394 | €20,079 | ▼ 6.1% |
| Cash at bank and in hand54/58 | €5,864 | €6,387 | €4,304 | €2,462 | €3,177 | €4,799 | €5,083 | €3,660 | ▼ 28.0% |
| Deferred charges and accrued income490/1 | - | - | - | €2,097 | €1,907 | €2,698 | €3,613 | €3,606 | ▼ 0.2% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €330,571 | €299,877 | €271,923 | €255,863 | €230,219 | €228,445 | €203,466 | €193,983 | ▼ 4.7% |
| Equity10/15 | €79,081 | €85,387 | €94,963 | €95,057 | €95,102 | €101,972 | €106,490 | €93,291 | ▼ 12.4% |
| Contributions10/11 | €17,353 | €17,353 | - | €17,353 | €17,353 | €17,353 | €17,353 | €17,353 | = |
| Capital10 | - | - | - | €17,353 | - | - | - | - | - |
| Issued capital100 | - | - | - | €17,353 | - | - | - | - | - |
| Contributions outside capital11 | - | - | - | - | €17,353 | €17,353 | €17,353 | €17,353 | = |
| Other1109/19 | - | - | - | - | €17,353 | €17,353 | €17,353 | €17,353 | = |
| Reserves13 | €61,729 | €68,035 | €77,611 | €77,705 | €77,749 | €84,619 | €89,138 | €75,938 | ▼ 14.8% |
| Non-distributable reserves130/1 | - | - | - | €1,735 | €1,735 | - | - | - | - |
| Legal reserve130 | - | - | - | €1,735 | - | - | - | - | - |
| Reserves not available under the articles1311 | - | - | - | - | €1,735 | - | - | - | - |
| Distributable reserves133 | - | - | - | €75,970 | €76,014 | €84,619 | €89,138 | €75,938 | ▼ 14.8% |
| Amounts payable17/49 | €251,490 | €214,490 | €176,960 | €160,805 | €135,117 | €126,474 | €96,975 | €100,692 | ▲ 3.8% |
| Amounts payable after more than one year17 | €169,602 | €134,847 | €115,743 | €99,353 | €77,549 | €68,121 | €42,737 | €42,838 | ▲ 0.2% |
| Financial debts170/4 | - | - | - | €99,353 | €77,549 | €68,121 | €42,737 | €42,838 | ▲ 0.2% |
| Amounts payable within one year42/48 | €81,888 | €79,643 | €61,217 | €61,452 | €57,568 | €58,353 | €54,239 | €57,854 | ▲ 6.7% |
| Current portion of amounts payable after more than one year42 | - | - | - | €21,441 | €21,804 | €21,342 | €23,164 | €26,671 | ▲ 15.1% |
| Financial debts43 | - | - | - | €2,919 | - | €4,500 | - | - | - |
| Credit institutions430/8 | - | - | - | €2,919 | - | €4,500 | - | - | - |
| Trade debts44 | €28,082 | €26,199 | €23,546 | €25,954 | €22,092 | €20,189 | €19,306 | €20,654 | ▲ 7.0% |
| Suppliers440/4 | - | - | - | €25,954 | €22,092 | €20,189 | €19,306 | €20,654 | ▲ 7.0% |
| Taxes, remuneration and social security45 | - | - | - | €11,138 | €13,672 | €12,322 | €11,769 | €10,529 | ▼ 10.5% |
| Taxes450/3 | - | - | - | - | €331 | - | €2,695 | €2,165 | ▼ 19.7% |
| Remuneration and social security454/9 | - | - | - | €11,138 | €13,341 | €12,322 | €9,074 | €8,364 | ▼ 7.8% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €9,694 | €6,306 | €9,576 | €94 | €44 | €6,870 | €4,518 | -€13,200 | - |
| + Depreciation and write-downs630 | €36,298 | €31,528 | €29,795 | €30,016 | €29,067 | €29,248 | €30,937 | €36,283 | ▲ 17.3% |
| Operating cash flow (approximation) | €45,992 | €37,834 | €39,371 | €30,110 | €29,112 | €36,118 | €35,456 | €23,084 | ▼ 34.9% |
| Investment in fixed assets (approximation) | - | -€721 | -€997 | -€8,554 | -€5,025 | -€16,602 | -€2,066 | -€32,580 | ▼ 1,477% |
| Change in cash | - | €523 | -€2,083 | -€1,842 | €715 | €1,623 | €284 | -€1,423 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 34 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | abbreviated format | 15-10-2026 | 2026-00561353 | NBB |
| 31-12-2024 | micro format | 26-09-2025 | 2025-00511023 | |
| 31-12-2023 | micro format | 31-10-2024 | 2024-00530241 | |
| 31-12-2022 | micro format | 31-08-2023 | 2023-00432492 | |
| 31-12-2021 | micro format | 14-07-2022 | 2022-20191735 | |
| 31-12-2020 | micro format | 31-08-2021 | 2021-64500247 | |
| 31-12-2019 | micro format | 31-08-2020 | 2020-50200061 | |
| 31-12-2018 | micro format | 30-08-2019 | 2019-60100183 | |
| 31-12-2017 | micro format | 16-07-2018 | 2018-35100212 | |
| 31-12-2016 | micro format | 31-08-2017 | 2017-56000488 |
Board & ownership
Directors
Owners and capital
Owners
Mandate history
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Gregor Eraly |
|
| De Wijngaert Alexandra |
|
Network & group
GREGOR shares no director with another company.
Connections & network
2 current directorsThe network starts from the directors of GREGOR. Every other company they run is a node.
Timeline
Acts, filings and financial milestones
30-10
Gazette deed
Amendment of the articles · Legal-form change · Resignations & appointments2 points ▸
- General meeting, 18-10-2023
- Amendment of the articles
29-09
Gazette deed
Reappointment: Gregor Eraly (director)2 points ▸
- General meeting, 30-08-2023
- Director reappointment, Gregor Eraly (director (not named in the articles))
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Invoicing and payment
Financial year and general meeting
Accounts at the NBBRecognitions · licences · registrations
Food safety, FASFC
1 siteSites & property
1 establishment unit
Buildings and parcels at the address
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 12033A0658/00A005 | Flanders | 1,264 m² | 1 · 269 m² | 9.5 m · 2 |