ISABEL & KJELL
ActiveFrom the official registers: KBO 23 annual accounts at the National Bank publications in the Belgian Official Gazette
Summary
ISABEL & KJELL has been active since 2002 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €181,187 and a net result of €41,444. Equity has been growing by about 5% per year since 2018. Its solvency ranks better than 71% of 22,726 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Official details
KBO- Status
- Active since 25-10-2002 Normal situation
- Activity
- Retail sale of bread and pastry (bakery outlets) NACE 47241
- Establishment unit
- 2.131.467.508 2550 Kontich, since 28-05-2003
- Financial year end
- 31 December
- Peppol
- Reachable since 05-10-2025
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- €193,983
- ▼ 7.1%
- Turnover
- ≈ €920,000
- estimated
- Profit
- €41,444
- ▼ 30.4%
- Equity
- €181,187
- ▲ 6.7%
- Total assets
- €310,440
- ▼ 12.6%
- Staff
- ≈ 2.7 FTE
- estimated
Score breakdownraises riskSector: Retail trade (NACE 47)lowers riskLiquidity: current ratio 0.78, cash €65,170Founded in 2002Equity €181,187 (58.4% of total assets)Show the evidence
Checked score
About 1 in 1,000 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 47, micro). It does better than 71% of them on solvency, 67% on liquidity, 80% on profitability and 55% 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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Signals
The company filed its last 7 accounts on average 64 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
Key points
Comparable companies
These companies have the same main activity as ISABEL & KJELL: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €279,000 and €336,000, founded between 1998 and 2006.
| Company | Total assets | Gross margin |
|---|---|---|
| ISABEL & KJELL Kontich | €310,440 | €193,983 |
| XOCOLATH Waterloo | €279,312 | €178,332 |
| AUX DELICES DE MARIE Bastogne | €328,441 | €225,364 |
| DELI LOMMEL Lommel | €323,858 | €212,552 |
| WAUTERS-MEURIS Sint-Niklaas | €321,180 | €179,353 |
| BAKKERIJ HERMANS Herentals | €291,091 | €168,647 |
| BAKKERIJ ISENBAERT Brasschaat | €336,326 | €253,073 |
Documents
Annual accounts at the NBB
- Annual accounts 2025filed on 03-03-2026
- Annual accounts 2024filed on 20-06-2025
- Annual accounts 2023filed on 10-06-2024
- Annual accounts 2022filed on 14-06-2023
Acts in the Belgian Official Gazette
All publications in the Belgian Official GazetteArticles and registers
- Coordinated articles of associationnotaries' database
- Entry in the KBO registerKBO Public Search
Key facts about ISABEL & KJELL
- What is the company number of ISABEL & KJELL?
- The company number of ISABEL & KJELL is 0478.659.762. The VAT number is the same number with BE in front: BE 0478.659.762.
- Where is ISABEL & KJELL based?
- The registered office is at Spoorwegstraat 1, 2550 Kontich.Company details
- What does ISABEL & KJELL 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 ISABEL & KJELL?
- The legal form of ISABEL & KJELL is Private limited company (BV).
- When was ISABEL & KJELL founded?
- ISABEL & KJELL was founded on 25-10-2002.
- Is ISABEL & KJELL still active?
- Yes, ISABEL & KJELL is an active enterprise in the KBO register.
- How many employees does ISABEL & KJELL have?
- ISABEL & KJELL had an average of 2.6 full-time equivalents in financial year 2021, according to the filed annual accounts.Financials
- What is the turnover of ISABEL & KJELL?
- The turnover in financial year 2025 is ≈ €920,000. This figure is estimated from the gross margin of €193,983 and 43 comparable companies (NACE 472). It probably lies between €620,000 and €1.6m. In financial year 2022 turnover was €605,439.
- Is ISABEL & KJELL profitable?
- In financial year 2025, ISABEL & KJELL made a profit of €41,444.
- Where can I find the annual accounts of ISABEL & KJELL?
- ISABEL & KJELL filed 23 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts 2025 (PDF)
- When are the next annual accounts of ISABEL & KJELL due?
- ISABEL & KJELL must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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