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JEAN DE BACKER

Active
Private limited companyfounded 1997active for 29 yearsPlace Albert 1er 13, 1300 Wavre, BelgiumKBO/BCE: BE 0459.649.445

From the official registers: KBO 29 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

JEAN DE BACKER has been active since 1997 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €95,686 and a net result of €41,444. Equity has been stable since 2018 (±1.1% per year). Its solvency ranks better than 28% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 1.0% (low).

Overview

Official details

KBO
Status
Active since 07-01-1997 Normal situation
Activity
Retail sale of bread and pastry (bakery outlets) NACE 47241and 1 other
Establishment unit
2.080.381.665 1300 Wavre, since 04-02-1997
Financial year end
31 December
Peppol
Reachable since 13-11-2025

Board and ownership

Board

Financial position

67 Healthy Checked score 2025
Bankruptcy probabilitywithin 12 months
1.0%
Annual accounts 2025
Gross margin
€446,550
▼ 6.9%
Turnover
≈ €2.2m
estimated
Profit
€41,444
▼ 59.6%
Equity
€95,686
▲ 76.4%
Total assets
€549,667
▲ 27.0%
Staff
7.8 FTE
=
Filed on 13-10-2026, 74 days after the deadlineat the National Bank
Score breakdownraises riskLast filed accounts filed 74 days late; 2 of the last 3 accounts lateEquity €95,686 (17.4% of total assets)lowers riskFounded in 1997Liquidity: current ratio 0.88, cash €125,826Show the evidence

Checked score

Score 2025
67 / 100
Healthy
Probability in this band: 0.55% to 1.5%
Financially stronger than 59% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 42+4
equity 17.4% of total assets
Liquidity 45-1
short-term debt 63.7% · cash 22.9%
Profitability 78-2
return on assets 7.5%
Bankruptcy probability within 12 months
1.0% Low
0%0.5%1.5%4%10%≥ 25%

About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 4.5% 12-2024: 4.5%● unchanged vs 11-2024 01-2025: 4.5%● unchanged vs 12-2024 02-2025: 4.5%● unchanged vs 01-2025 03-2025: 4.5%● unchanged vs 02-2025 04-2025: 4.5%● unchanged vs 03-2025 05-2025: 4.5%● unchanged vs 04-2025 06-2025: 4.7%▲ +0.2 percentage points vs 05-2025highest value 07-2025: 4.5%▼ -0.2 percentage points vs 06-2025 08-2025: 4.6%▲ +0.1 percentage points vs 07-2025 09-2025: 0.3%▼ -4.3 percentage points vs 08-2025 10-2025: 0.3%● unchanged vs 09-2025 11-2025: 0.3%● unchanged vs 10-2025 12-2025: 0.3%● unchanged vs 11-2025 01-2026: 0.3%● unchanged vs 12-2025lowest value 02-2026: 0.3%● unchanged vs 01-2026 03-2026: 0.3%● unchanged vs 02-2026 04-2026: 0.3%● unchanged vs 03-2026 05-2026: 0.4%▲ +0.1 percentage points vs 04-2026 06-2026: 0.3%▼ -0.1 percentage points vs 05-2026 07-2026: 0.4%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▲ +0.3 percentage points vs 07-2026 09-2026: 0.8%▲ +0.1 percentage points vs 08-2026 10-2026: 1.0%▲ +0.2 percentage points vs 09-2026
Credit of up to €6,000 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.88 (0.77 in 2024), below 1. Short-term debt is 63.7% and cash 22.9% of total assets. 82.6% of the assets are financed with debt and provisions.
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 33% of them on solvency, 44% on liquidity, 68% on profitability and 90% 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

Five signals.
lowers riskraises risk
lowers risk · Founded in 1997
Companies that have existed this long fail less often. How much that weighs depends on the rest of the company's profile.
KBO
raises risk · Last filed accounts filed 74 days late; 2 of the last 3 accounts late
NBB · filings
lowers risk · Liquidity: current ratio 0.88, cash €125,826
NBB · annual accounts
raises risk · Equity €95,686 (17.4% of total assets)
NBB · annual accounts
raises risk · 2025 accounts filed 74 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-10-2026, 74 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
74 days late
2024
20 days late
2023
61 days late
2022
6 days late
2021
17 days late
2020
31 days late
2019
31 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 34 days after 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)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 accounts filed within 42 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Caution: Result fell in 2025from €102,633 to €41,444 ▼ 59.6% View

Comparable companies

These companies have the same main activity as JEAN DE BACKER: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €419,000 and €579,000, founded between 1989 and 2004.

CompanyTotal assetsGross margin
JEAN DE BACKER Wavre€549,667€446,550
HET BAKKERSHUIS Alken€555,492€467,942
CONFISERIE LE VAUBAN Gerpinnes€491,762€361,975
DELI TURNHOUT Turnhout€578,630€539,174
DELI WAASLAND Sint-Niklaas€430,242€457,654
DELI GENT ZUID Gent€419,336€590,105
LES CHOCOLATS D'EDOUARD Florenville€425,008€480,090
Full comparison

Documents

Annual accounts at the NBB

All 29 annual accounts

Articles and registers

Key facts about JEAN DE BACKER

What is the company number of JEAN DE BACKER?
The company number of JEAN DE BACKER is 0459.649.445. The VAT number is the same number with BE in front: BE 0459.649.445.
Where is JEAN DE BACKER based?
The registered office is at Place Albert 1er 13, 1300 Wavre.Company details
What does JEAN DE BACKER 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 JEAN DE BACKER?
The legal form of JEAN DE BACKER is Private limited company (BV).
When was JEAN DE BACKER founded?
JEAN DE BACKER was founded on 07-01-1997.
Is JEAN DE BACKER still active?
Yes, JEAN DE BACKER is an active enterprise in the KBO register.
How many employees does JEAN DE BACKER have?
JEAN DE BACKER had an average of 7.8 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of JEAN DE BACKER?
The turnover in financial year 2025 is ≈ €2.2m. This figure is estimated from the gross margin of €446,550 and 30 comparable companies (NACE 472). It probably lies between €1.6m and €3.1m.
Is JEAN DE BACKER profitable?
In financial year 2025, JEAN DE BACKER made a profit of €41,444.
Where can I find the annual accounts of JEAN DE BACKER?
JEAN DE BACKER filed 29 annual accounts with the National Bank of Belgium, the latest for financial year 2025.Annual accounts at the National Bank
When are the next annual accounts of JEAN DE BACKER due?
JEAN DE BACKER must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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