HET HEMELS BROOD
ActiveHET HEMELS BROOD has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €366k and a net result of €104k. Equity is growing by ~40.7% per year across the filed fiscal years. Its solvency ranks better than 46% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
69
/ 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
Profitability81▼-1
Solvency58▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.73 against 0.54 in 2024; short-term debt: 32.7% and cash: 14% of total assets), and 66.6% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
33.4%
Return on assets
9.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 27-01-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
on the day
2023
on the day
2022
44 d late
2021
3 d early
2020
16 d early
2019
69 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€366k▲ 39.4%
2024 · €263k
2019: €46k
2020: €68k
2021: €94k
2022: €145k
2023: €153k
2024: €263k
2019 → 2025
Total assets
€1.10M▲ 5.7%
2024 · €1.04M
2019: €384k
2020: €402k
2021: €752k
2022: €886k
2023: €1.03M
2024: €1.04M
2019 → 2025
Net result
€104k▼ 5.7%
2024 · €110k
2019: €4k
2020: €22k
2021: €26k
2022: €51k
2023: €8k
2024: €110k
2019 → 2025
Working capital
€-96k▲ 34.5%
2024 · €-146k
2019: €-79k
2020: €-122k
2021: €-169k
2022: €-172k
2023: €-248k
2024: €-146k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€94k-€145k▲ 54.6%€153k▲ 5.8%€263k▲ 71.8%€366k▲ 39.4%
Operating result€51k-€73k▲ 41.1%€34k▼ 53.2%€167k▲ 391%€157k▼ 5.5%
Net result€26k-€51k▲ 100%€8k▼ 83.6%€110k▲ 1,212%€104k▼ 5.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€834k▼ 3.5%
Current assets
€264k▲ 51.5%
Equity and liabilities €1.10M
Equity
€366k▲ 39.4%
Debt
€731k▼ 5.7%
The debt ratio falls from 74.7% to 66.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€218k▼
2024 · €226k
Cash flow
€164k▼
2024 · €169k
Solvency
33.4%▲
2024 · 25.3%
Current ratio
0.73▲
2024 · 0.54
Quick ratio
0.68▲
2024 · 0.51
Debt / equity
1.99▼
2024 · 2.95
ROE
28.3%▼
2024 · 41.8%
ROA
9.4%▼
2024 · 10.6%
Interest coverage
8.86▲
2024 · 7.35
Debt
€731k▼
2024 · €775k
Debt ≤ 1 year
€359k▲
2024 · €320k
Debt > 1 year
€368k▼
2024 · €429k
Income taxes
€29k▲
2024 · €26k
Staff costs
€323k▲
2024 · €286k
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€1.04M€1.10M▲
Fixed assets21/28€864k€834k▼
Tangible fixed assets22/27€864k€834k▼
Land and buildings22€689k€683k▼
Plant, machinery and equipment23€175k€150k▼
Other tangible fixed assets26€417€208▼
Current assets29/58€174k€264k▲
Stocks and contracts in progress3€12k€20k▲
Stocks30/36€12k€20k▲
Amounts receivable within one year40/41€56k€84k▲
Trade receivables40€15k€41k▲
Other amounts receivable41€40k€43k▲
Current investments50/53€3k€3k=
Cash at bank and in hand54/58€101k€154k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.04M€1.10M▲
Equity10/15€263k€366k▲
Contributions10/11€26k€26k=
Reserves13€3k€3k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€235k€338k▲
Amounts payable17/49€775k€731k▼
Amounts payable after more than one year17€429k€368k▼
Financial debts170/4€429k€368k▼
Amounts payable within one year42/48€320k€359k▲
Current portion of amounts payable after more than one year42€66k€61k▼
Trade debts44€73k€111k▲
Suppliers440/4€73k€111k▲
Advances received on contracts in progress46-€27k
Taxes, remuneration and social security45€91k€65k▼
Taxes450/3€21k€13k▼
Remuneration and social security454/9€71k€53k▼
Other amounts payable47/48€90k€95k▲
Accrued charges and deferred income492/3€26k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€286k€323k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€60k▲
Other operating charges640/8€6k€8k▲
Gross operating margin9900€518k€548k▲
Operating profit (loss)9901€167k€157k▼
Financial income75/76B€7€17▲
Recurring financial income75€7€17▲
Financial charges65/66B€31k€25k▼
Recurring financial charges65€31k€25k▼
Profit (loss) for the period before taxes9903€136k€133k▼
Income taxes67/77€26k€29k▲
Profit (loss) for the period9904€110k€104k▼
Profit (loss) for the period to be appropriated9905€110k€104k▼
Appropriation of the result
Profit (loss) to be appropriated9906€235k€338k▲
Profit (loss) brought forward from the previous period14P€125k€235k▲
Social balance
Average headcount (FTE)908716.413.1▼
The notes to these accounts (13 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €110k ▲1212%
Operating result €167k, net result €110k, both a record.
30-06
Financial
Equity above €200kEq €263k ▲71.8%
6 profitable years in a row build equity to €263k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €150kEq €153k ▲5.8%
5 profitable years in a row build equity to €153k.
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 44 days late
2022
30-06
Financial
Equity above €100kEq €145k ▲54.6%
4 profitable years in a row build equity to €145k.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 41 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Duffel · 3 establishment units since 2008
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.
Stationsstraat 402570 DuffelGround area
1,496 m²
Building footprint
1,039 m²
Volume, LiDAR
5,738 m³
3 parcels, Flanders · tallest building 11.9 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
Het Hemels Brood
since 20082.174.296.372
Het Hemels Brood
since 20082.174.296.570
Het Hemels Brood
since 20082.174.296.669
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11025D0400/00E000 | Flanders | 650 m² | 1 · 99 m² | 10.2 m · 2 fl. |
| 12035B0029/00L005 | Flanders | 536 m² | 1 · 534 m² | 8.5 m · 1 fl. |
| 12009E0185/04G000 | Flanders | 310 m² | 1 · 405 m² | 11.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
3 sitesDuffel2.174.296.372
Lint2.174.296.669
Sint-Katelijne-Waver2.174.296.570
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BROOD & BANKET MILLY
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Jordan BE
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Brood en banket Claes
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Of 2,406 companies in sector 47241 we hold annual accounts for 1,099. 671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-08-2008
Fiscal year end30-06
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
56101Full-service restaurants
56102Limited-service restaurants
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.