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LE FINANCIER

Active
Private limited companyfounded 2022active for 4 yearsBethaniëstraat 29, 1070 Anderlecht, BelgiumKBO/BCE: BE 0779.721.830
Summary

The computed 12-month bankruptcy probability of LE FINANCIER is 4.7% (elevated). The 2025 annual accounts show equity of €60,055 and a net result of €21,275. Equity is growing by about 90% per year across the filed financial years. Its solvency ranks better than 28% of 1,873 sector peers (NACE 10, financial year 2025). The company has been active since 2022 and the Belgian Official Gazette contains no insolvency or warning signals.

Overview

Activity
Artisanal bread and fresh pastry making
NACE 10712
3 sites
Size
€930,126turnover 2025
Equity
€60,055
Profit
€21,275
Financial health
38 Weak Checked score 2025
Bankruptcy probabilitywithin 12 months
4.7%
Structure
Accounts 57 days early0 of 2 deeds read
Why 38raises riskLiquidity: current ratio 0.07, cash €116, halvedFounded in 2022Sector: Manufacture of food products (NACE 10)lowers riskSize: turnover €930,126, total assets €653,048Show the evidence

Checked score

Score 2025
38 / 100
Weak
Probability in this band: 4.2% to 15.0%
Financially better than 40% of its sector peers (NACE 10, micro)
Financial strength · tick = 2024
Weak
Solvency 34-1
equity 9.2% of total assets
Liquidity 0-3
short-term debt 90.8% · cash 0.0%
Profitability 71-13
return on assets 3.3%
Bankruptcy probability, 12 months
4.7% Elevated
0%0.5%1.5%4%10%≥ 25%

About 5 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,071 companies, NACE 10, micro)
Last 24 months 11-2024: 5.7% 12-2024: 5.7%● unchanged vs 11-2024 01-2025: 5.8%▲ +0.1 percentage points vs 12-2024 02-2025: 5.8%● unchanged vs 01-2025 03-2025: 5.8%● unchanged vs 02-2025 04-2025: 7.0%▲ +1.2 percentage points vs 03-2025 05-2025: 7.5%▲ +0.5 percentage points vs 04-2025 06-2025: 7.6%▲ +0.1 percentage points vs 05-2025highest value 07-2025: 4.8%▼ -2.8 percentage points vs 06-2025 08-2025: 4.8%● unchanged vs 07-2025 09-2025: 4.2%▼ -0.6 percentage points vs 08-2025 10-2025: 4.2%● unchanged vs 09-2025 11-2025: 4.2%● unchanged vs 10-2025 12-2025: 4.2%● unchanged vs 11-2025 01-2026: 4.1%▼ -0.1 percentage points vs 12-2025 02-2026: 2.5%▼ -1.6 percentage points vs 01-2026lowest value 03-2026: 2.5%● unchanged vs 02-2026lowest value 04-2026: 2.6%▲ +0.1 percentage points vs 03-2026 05-2026: 2.7%▲ +0.1 percentage points vs 04-2026 06-2026: 2.9%▲ +0.2 percentage points vs 05-2026 07-2026: 4.7%▲ +1.8 percentage points vs 06-2026 08-2026: 4.7%● unchanged vs 07-2026 09-2026: 4.7%● unchanged vs 08-2026 10-2026: 4.7%● unchanged vs 09-2026
Credit of up to €2,000 on 30-day terms, only on tighter conditions
Liquidity insufficient (current ratio 0.07, compared with 0.12 in 2024; short-term debt: 90.8% and cash: 0% of total assets), and 90.8% of the assets are financed with debt.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 10, micro): better than 26% on solvency, 1% on liquidity, 47% on profitability and 85% on growth.

The bankruptcy probability was computed on 09-10-2026 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. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.
lowers riskraises riskneutral
raises risk · Liquidity: current ratio 0.07, cash €116, halved
NBB · annual accounts
raises risk · Founded in 2022
How long the company has existed counts in the probability; how much depends on the rest of its profile.
KBO
raises risk · Sector: Manufacture of food products (NACE 10)
KBO
lowers risk · Size: turnover €930,126, total assets €653,048
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
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 04-06-2026, 57 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
57 days early
2024
41 days early
2023
62 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 53 days before the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% 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 4 June (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
10-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since incorporation in 2022.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Annual accounts filedfinancial year 2024 · micro…
  3. Back to profitnet €48,226

Key points

  • Among the largest 5% on gross marginsector median €80,423 · 1,874 companies €472,203 View
  • Turnover 20252 financial years filed €930,126 View
  • Active since 2022founded 05-01-2022 4 years View

By topic

Financials

Financial year
2025
Turnover
€930,126
Profit
€21,275
Solvency
9.2%
Turnover▲ 1,463%
Net result
20232025
Go to Financials

Timeline

Events
4
Since
2024
Next accounts
by 31-07-2027
  1. 30-05-2024Annual accounts filed
Go to Timeline

Company details

Sites
3
Legal form
Private limited company
Activity
Artisanal bread and fresh pastry makingNACE 10712
Founded
05-01-2022
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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