Heimisch Gebak
ActiveHeimisch Gebak has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 51% of 1541 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▼-6
Solvency59▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.24 in 2024; short-term debt: 66.5% and cash: 48.2% of total assets), and 66.5% 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
33.5%
Return on assets
11.4%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €41k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
on the day
2023
5 d late
2022
12 d early
2021
6 d early
2020
88 d late
2019
69 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▲ 51.8%
2024 · €27k
2018: €-6k
2019: €3k
2020: €-11k
2021: €-10k
2022: €3k
2023: €15k
2024: €27k
2018 → 2025
Total assets
€123k▲ 66.1%
2024 · €74k
2018: €43k
2019: €39k
2020: €20k
2021: €24k
2022: €41k
2023: €66k
2024: €74k
2018 → 2025
Net result
€14k▲ 15.2%
2024 · €12k
2018: €217
2019: €10k
2020: €-14k
2021: €560
2022: €13k
2023: €12k
2024: €12k
2018 → 2025
Working capital
€27k▲ 137%
2024 · €11k
2018: €-12k
2019: €-5k
2020: €-17k
2021: €-15k
2022: €-853
2023: €5k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€3k€15k▲ 384%€27k▲ 81.6%€41k▲ 51.8%
Operating result€7k-€17k▲ 166%€16k▼ 4.9%€17k▲ 5.0%€18k▲ 4.5%
Net result€560-€13k▲ 2,268%€12k▼ 10.2%€12k▲ 2.8%€14k▲ 15.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €123k
Fixed assets
€14k▼ 9.5%
Current assets
€109k▲ 86.7%
Equity and liabilities €123k
Equity
€41k▲ 51.8%
Debt
€82k▲ 74.4%
The debt ratio rises from 63.3% to 66.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€21k▲
2024 · €21k
Cash flow
€17k▲
2024 · €16k
Solvency
33.5%▼
2024 · 36.7%
Current ratio
1.33▲
2024 · 1.24
Quick ratio
1.25▲
2024 · 1.08
Debt / equity
1.98▲
2024 · 1.73
ROE
34.1%▼
2024 · 44.9%
ROA
11.4%▼
2024 · 16.5%
Interest coverage
89.66▲
2024 · 21.61
Debt
€82k▲
2024 · €47k
Debt ≤ 1 year
€82k▲
2024 · €47k
Income taxes
€4k▲
2024 · €4k
Staff costs
€125k▲
2024 · €91k
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€74k€123k▲
Fixed assets21/28€16k€14k▼
Tangible fixed assets22/27€14k€12k▼
Plant, machinery and equipment23€14k€12k▼
Financial fixed assets28€2k€2k=
Current assets29/58€58k€109k▲
Stocks and contracts in progress3€8k€7k▼
Stocks30/36€8k€7k▼
Amounts receivable within one year40/41€30k€43k▲
Trade receivables40€28k€23k▼
Other amounts receivable41€2k€20k▲
Cash at bank and in hand54/58€18k€59k▲
Deferred charges and accrued income490/1€2k-
Equity and liabilities
Total equity and liabilities10/49€74k€123k▲
Equity10/15€27k€41k▲
Contributions10/11€19k€19k=
Reserves13€30k€30k=
Distributable reserves133€30k€30k=
Profit (loss) carried forward14€-21k€-7k▲
Amounts payable17/49€47k€82k▲
Amounts payable within one year42/48€47k€82k▲
Trade debts44€33k€66k▲
Suppliers440/4€33k€66k▲
Taxes, remuneration and social security45€14k€16k▲
Taxes450/3€4k€220▼
Remuneration and social security454/9€10k€15k▲
Income statement
Code20242025
Remuneration, social security and pensions62€91k€125k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€114k€147k▲
Operating profit (loss)9901€17k€18k▲
Financial income75/76B€54€486▲
Recurring financial income75€54€486▲
Financial charges65/66B€963€239▼
Recurring financial charges65€963€239▼
Profit (loss) for the period before taxes9903€16k€18k▲
Income taxes67/77€4k€4k▲
Profit (loss) for the period9904€12k€14k▲
Profit (loss) for the period to be appropriated9905€12k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-7k▲
Profit (loss) brought forward from the previous period14P€-34k€-21k▲
The notes to these accounts (8 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €14k ▲15.2%
Operating result €18k, net result €14k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €560
Net result €560 after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €-14k ▼244%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 46 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 1996
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.
Terliststraat 12018 AntwerpenGround area
83 m²
Building footprint
61 m²
Volume, LiDAR
612 m³
Parcel 11808H1189/00S008, Flanders · tallest building 13.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
DE HEIMISCHE BAKKERIJ
since 19962.079.435.025
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1189/00S008 | Flanders | 83 m² | 1 · 61 m² | 13.7 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 siteAntwerpen2.079.435.025
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Of 4,227 companies in sector 10712 we hold annual accounts for 1,870. 1,493 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-05-1996
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.