Pépite Concept
ActiveSummary
The computed 12-month bankruptcy probability of Pépite Concept is 3.8% (moderate). The 2025 annual accounts show equity of €76k and a net result of €14k. Its solvency ranks better than 54% of 1554 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability77▲+77
Solvency61▲+6
Growth78
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity tight (current ratio 1.37 against 1.1 in 2024; short-term debt: 29.6% and cash: 11.2% of total assets), and 63.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
36.4%
Return on assets
6.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 2 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 22.9%
2024 · €62k
Total assets
€208k▲ 0.6%
2024 · €207k
Net result
€14k
2024 · €-43k
Working capital
€23k▲ 346%
2024 · €5k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Operating result€-32k-€19k
Net result€-43k-€14k
Equity€62k-€76k▲ 22.9%
Total assets€207k-€208k▲ 0.6%
Debt€145k-€132k▼ 8.9%
Working capital€5k-€23k▲ 346%
Staff (FTE)3.3-2.9▼ 12.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €19k after a loss of €32k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €207k
Fixed assets
€123k ▼ 17.2%
Current assets
€84k ▲ 46.7%
Equity and liabilities €208k
Equity
€76k ▲ 22.9%
Debt
€132k ▼ 8.9%
Debt's share of the balance-sheet total falls from 70.2% to 63.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€49k▲
2024 · €-967
Cash flow
€44k▲
2024 · €-12k
Current ratio
1.37▲
2024 · 1.10
Quick ratio
1.15▲
2024 · 0.84
Debt to equity
1.75▼
2024 · 2.36
ROE
18.7%▲
2024 · -70.6%
ROA
6.8%▲
2024 · -21.0%
Interest coverage
8.42▲
2024 · -0.09
Debt ≤ 1 year
€62k▲
2024 · €52k
Debt > 1 year
€71k▼
2024 · €90k
Staff costs
€116k▼
2024 · €128k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €128k | €116k | ▼ 9.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31k | €30k | ▼ 4.9% |
| Other operating charges640/8 | €124 | €5k | ▲ 3,841% |
| Gross operating margin9900 | €127k | €170k | ▲ 33.9% |
| Operating profit (loss)9901 | €-32k | €19k | ▲ 159% |
| Financial income75/76B | €66 | €735 | ▲ 1,012% |
| Recurring financial income75 | €66 | €735 | ▲ 1,012% |
| Financial charges65/66B | €11k | €6k | ▼ 47.4% |
| Recurring financial charges65 | €11k | €6k | ▼ 47.4% |
| Profit (loss) for the period before taxes9903 | €-43k | €14k | ▲ 132% |
| Profit (loss) for the period9904 | €-43k | €14k | ▲ 132% |
| Profit (loss) for the period to be appropriated9905 | €-43k | €14k | ▲ 132% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €207k | €208k | ▲ 0.6% |
| Formation expenses20 | €808 | €585 | ▼ 27.6% |
| Fixed assets21/28 | €148k | €123k | ▼ 17.2% |
| Intangible fixed assets21 | €26k | €25k | ▼ 3.7% |
| Tangible fixed assets22/27 | €122k | €98k | ▼ 20.0% |
| Plant, machinery and equipment23 | €38k | €28k | ▼ 26.2% |
| Furniture and vehicles24 | €2k | €1k | ▼ 39.3% |
| Leasing and similar rights25 | €27k | €20k | ▼ 24.8% |
| Other tangible fixed assets26 | €55k | €48k | ▼ 12.7% |
| Current assets29/58 | €58k | €84k | ▲ 46.7% |
| Stocks and contracts in progress3 | €14k | €14k | ▲ 2.5% |
| Stocks30/36 | €14k | €14k | ▲ 2.5% |
| Amounts receivable within one year40/41 | €21k | €46k | ▲ 125% |
| Trade receivables40 | €9k | €22k | ▲ 150% |
| Other amounts receivable41 | €12k | €24k | ▲ 107% |
| Cash at bank and in hand54/58 | €23k | €23k | ▼ 1.3% |
| Deferred charges and accrued income490/1 | - | €1k | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €207k | €208k | ▲ 0.6% |
| Equity10/15 | €62k | €76k | ▲ 22.9% |
| Contributions10/11 | €105k | €105k | = |
| Profit (loss) carried forward14 | €-43k | €-29k | ▲ 32.5% |
| Amounts payable17/49 | €145k | €132k | ▼ 8.9% |
| Amounts payable after more than one year17 | €90k | €71k | ▼ 22.0% |
| Financial debts170/4 | €90k | €71k | ▼ 22.0% |
| Amounts payable within one year42/48 | €52k | €62k | ▲ 17.4% |
| Current portion of amounts payable after more than one year42 | €12k | €17k | ▲ 38.0% |
| Trade debts44 | €19k | €39k | ▲ 107% |
| Suppliers440/4 | €19k | €39k | ▲ 107% |
| Taxes, remuneration and social security45 | €21k | €6k | ▼ 72.9% |
| Taxes450/3 | €538 | €166 | ▼ 69.2% |
| Remuneration and social security454/9 | €21k | €6k | ▼ 72.9% |
| Accrued charges and deferred income492/3 | €2k | €0 | ▼ 100% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | €-43k | €14k | ▲ 132% |
| + Depreciation and write-downs630 | €31k | €30k | ▼ 4.9% |
| Operating cash flow (approximation) | €-12k | €44k | ▲ 467% |
| Investment in fixed assets (approximation) | - | €-4k | - |
| Change in cash | - | €-295 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Elsene · 1 establishment unit since 2023
Ground area
111 m²
Building footprint
109 m²
Volume, LiDAR
1,351 m³
Parcel 21447B0342/00R003, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Julien Othomene Pâtisserie
since 20232.348.822.732
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0342/00R003 | Brussels | 111 m² | 1 · 109 m² | 18.8 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
1 siteElsene2.348.822.732
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Of 4,225 companies in sector 10712 we hold annual accounts for 1,872. 1,596 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded17-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
56112Limited-service restaurants, excluding mobile food services
47241Retail sale of bread and pastry (bakery outlets)
56210Event catering
77392Rental and leasing activities
82300Organisation of conventions and trade shows
Contact
E-mail
othomene.julien@gmail.com
Phone
+32491872063
Scores and ratios are computed by Checked and are not a credit decision.