Nur Bakkerij
ActiveSummary
Nur Bakkerij has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73k and a net result of €270. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 71% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability31▼-17
Solvency78▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.82 against 2.64 in 2023; short-term debt: 46.6% and cash: 35.8% of total assets), and 46.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
53.4%
Return on assets
0.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-08-2025, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
4 d late
2023
9 d late
2022
52 d early
2021
1 d late
2020
3 d late
2019
17 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€73k▲ 0.4%
2023 · €72k
2018: €37k
2019: €53k
2020: €61k
2021: €46k
2022: €69k
2023: €72k
2018 → 2024
Total assets
€136k▲ 26.3%
2023 · €108k
2018: €82k
2019: €96k
2020: €113k
2021: €132k
2022: €107k
2023: €108k
2018 → 2024
Net result
€270▼ 92.4%
2023 · €4k
2018: €5k
2019: €15k
2020: €9k
2021: €-15k
2022: €22k
2023: €4k
2018 → 2024
Working capital
€52k▼ 10.0%
2023 · €58k
2018: €-2k
2019: €27k
2020: €43k
2021: €22k
2022: €51k
2023: €58k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€61k-€46k▼ 24.4%€69k▲ 48.4%€72k▲ 5.2%€73k▲ 0.4%
Operating result€13k-€-13k€32k€9k▼ 71.6%€13k▲ 44.1%
Net result€9k-€-15k€22k€4k▼ 84.2%€270▼ 92.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 44% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €136k
Fixed assets
€20k ▲ 43.2%
Current assets
€116k ▲ 23.7%
Equity and liabilities €136k
Equity
€73k ▲ 0.4%
Debt
€64k ▲ 79.3%
Debt's share of the balance-sheet total rises from 32.9% to 46.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€17k▲
2023 · €13k
Cash flow
€4k▼
2023 · €7k
Current ratio
1.82▼
2023 · 2.64
Quick ratio
1.74▼
2023 · 2.34
Debt to equity
0.87▲
2023 · 0.49
ROE
0.4%▼
2023 · 4.9%
ROA
0.2%▼
2023 · 3.3%
Interest coverage
1.39▼
2023 · 2.97
Debt ≤ 1 year
€64k▲
2023 · €35k
Income taxes
€1k▼
2023 · €1k
Staff costs
€106k▲
2023 · €36k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet
Code20232024
Assets
Total assets20/58€108k€136k▲
Fixed assets21/28€14k€20k▲
Tangible fixed assets22/27€7k€13k▲
Plant, machinery and equipment23-€6k
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€1k€4k▲
Financial fixed assets28€7k€7k=
Current assets29/58€94k€116k▲
Stocks and contracts in progress3€11k€5k▼
Stocks30/36€11k€5k▼
Amounts receivable within one year40/41€52k€62k▲
Trade receivables40€2k€1k▼
Other amounts receivable41€50k€60k▲
Cash at bank and in hand54/58€31k€49k▲
Equity and liabilities
Total equity and liabilities10/49€108k€136k▲
Equity10/15€72k€73k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€52k€52k▲
Amounts payable17/49€35k€64k▲
Amounts payable within one year42/48€35k€64k▲
Trade debts44€24k€43k▲
Suppliers440/4€24k€43k▲
Advances received on contracts in progress46€451-
Taxes, remuneration and social security45€11k€21k▲
Taxes450/3€753€1k▲
Remuneration and social security454/9€10k€19k▲
Income statement
Code20232024
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€36k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€2k€3k▲
Gross operating margin9900€51k€126k▲
Operating profit (loss)9901€9k€13k▲
Financial charges65/66B€4k€12k▲
Recurring financial charges65€4k€12k▲
Profit (loss) for the period before taxes9903€5k€1k▼
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€4k€270▼
Profit (loss) for the period to be appropriated9905€4k€270▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€52k▲
Profit (loss) brought forward from the previous period14P€48k€52k▲
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
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Weakest financial yearnet €-15k ▼272%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 3 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
2016
19-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Lommel · 1 establishment unit since 2012
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.
Vreyshorring 223920 LommelGround area
385 m²
Building footprint
258 m²
Volume, LiDAR
1,243 m³
Parcel 72020C0526/00L000, Flanders · tallest building 9.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vreyshorring 22, 3920 Lommel
since 20122.214.292.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72020C0526/00L000 | Flanders | 385 m² | 1 · 258 m² | 9.4 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 3,175 EUR awarded · 3,175 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 1,375 EUR | 1,375 EUR |
| 2022 | 1 | 1,800 EUR | 1,800 EUR |
Schemes
Aanwervingsincentive voor langdurig werkzoekenden (AWI) - Stopgezet
Stagebonus (stopgezet)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLommel2.214.292.838
Dual-learning approval
2 live approvals · 1 endedWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 1 ended approval
Winkelbediende (so)
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Of 511 companies in sector 10711 we hold annual accounts for 329. 223 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2012
Fiscal year end31-12
Activities, NACEBEL 2025
10711Manufacture of food products
10712Artisanal bread and fresh pastry making
10720Manufacture of food products
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.