HADDOUTI
ActiveHADDOUTI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €8k. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 68% of 1522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55▼-45
Solvency94▼-6
Growth78=
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 1.91 against 2.44 in 2024), and 48.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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 →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
51.3%
Return on assets
5.6%
Age of the figures
8 mo
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
120 d late
2023
79 d late
2022
72 d late
2021
43 d late
2020
1 d early
2019
119 d late
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€292k
EBIT margin
6.3%
Net result
€8k▼ 84.1%
2024 · €51k
2018: €-3k
2019: €18k
2020: €9k
2021: €5k
2022: €-24k
2023: €2k
2024: €51k
2018 → 2025
Working capital
€64k▲ 35.8%
2024 · €47k
2018: €-23k
2019: €7k
2020: €14k
2021: €13k
2022: €-1k
2023: €7k
2024: €47k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€13k▼ 64.6%€15k▲ 14.5%€66k▲ 336%€74k▲ 12.2%
Operating result€5k-€-22k€6k€52k▲ 853%€8k▼ 84.4%
Net result€5k-€-24k€2k€51k▲ 2,559%€8k▼ 84.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€10k▼ 46.7%
Current assets
€134k▲ 68.4%
Equity and liabilities €144k
Equity
€74k▲ 12.2%
Debt
€70k▲ 115%
The debt ratio rises from 33.1% to 48.7%: debt grows faster than equity.
Key figures and ratios
EBITDA
€17k▼
2024 · €56k
Cash flow
€17k▼
2024 · €54k
Solvency
51.3%▼
2024 · 66.9%
Current ratio
1.91▼
2024 · 2.44
Quick ratio
1.78▼
2024 · 2.33
Debt / equity
0.95▲
2024 · 0.49
ROE
10.9%▼
2024 · 77.1%
ROA
5.6%▼
2024 · 51.6%
Interest coverage
155.60▼
2024 · 457.57
Debt
€70k▲
2024 · €33k
Debt ≤ 1 year
€70k▲
2024 · €33k
Staff costs
€102k▲
2024 · €100k
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€99k€144k▲
Fixed assets21/28€19k€10k▼
Tangible fixed assets22/27€19k€10k▼
Plant, machinery and equipment23€7k€3k▼
Furniture and vehicles24€11k€7k▼
Financial fixed assets28€300€300=
Current assets29/58€80k€134k▲
Stocks and contracts in progress3€4k€9k▲
Stocks30/36€4k€9k▲
Amounts receivable within one year40/41€30k€78k▲
Trade receivables40€25k€72k▲
Other amounts receivable41€5k€6k▲
Cash at bank and in hand54/58€45k€47k▲
Deferred charges and accrued income490/1-€243
Equity and liabilities
Total equity and liabilities10/49€99k€144k▲
Equity10/15€66k€74k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k-
Reserves not available under the articles1311-€2k
Profit (loss) carried forward14€45k€54k▲
Amounts payable17/49€33k€70k▲
Amounts payable within one year42/48€33k€70k▲
Trade debts44€24k€64k▲
Suppliers440/4€24k€64k▲
Taxes, remuneration and social security45€8k€3k▼
Taxes450/3€5k€3k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€805€4k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Goods, raw materials, services and sundry goods60/61-€400k
Remuneration, social security and pensions62€100k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€5k€7k▲
Gross operating margin9900€161k€126k▼
Operating profit (loss)9901€52k€8k▼
Financial income75/76B€288€4▼
Recurring financial income75€288€4▼
Financial charges65/66B€122€109▼
Recurring financial charges65€122€109▼
Profit (loss) for the period before taxes9903€53k€8k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€51k€8k▼
Profit (loss) for the period to be appropriated9905€51k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€54k▲
Profit (loss) brought forward from the previous period14P€-5k€45k▲
Shareholders' contribution to the loss794-€0
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
2024
31-12
Financial
Highest result since 2018net €51k ▲2559%
Operating result €52k, net result €51k, both a record.
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
31-12
Financial
Weakest financial yearnet €-24k ▼632%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
12-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 43 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 119 days late
2019
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
03-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Anderlecht · 1 establishment unit since 2011
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.
d'Aumalestraat 911070 AnderlechtGround area
118 m²
Building footprint
119 m²
Volume, LiDAR
1,138 m³
Parcel 21001A0537/00C006, Brussels · tallest building 15.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HADDOUTI
since 20112.197.366.536
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21001A0537/00C006 | Brussels | 118 m² | 1 · 119 m² | 15.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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 siteAnderlecht2.197.366.536
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Of 4,200 companies in sector 10712 we hold annual accounts for 1,851. 1,577 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-02-2011
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
10711Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.