Checked.be
Active
BE 0804.860.270Private limited company
Pépite Concept
Jean Chapeliéstraat 4 ·1050 Elsene, Belgium· 2 yrs active
Sector: Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
(10712)
Conclusion
The computed 12-month bankruptcy probability of Pépite Concept is 5.0% (elevated). The 2024 annual accounts show equity of €62k and a net result of €-43k. Its solvency ranks better than 59% of 633 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Key figures
| Equity | €62k |
| Net result | €-43k |
| Staff (FTE) | 3.3 |
| Better than sector | 59% |
Snowflake analysis
38
/ 100
Fragile profile, watch profitability in particular.
Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.
Health
35
Profitability
0
Solvency
49
Growth
-
Stability
67
Bankruptcy probability (12 mo)
5.0%
Elevated
0%0,5%1,5%4%10%≥25%
Young company
+Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Risk Assessment
0 / 100
Low riskTrust signals
Young company
Founded in 2023, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer
35
/ 100
Weak
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Computed by Checked from the NBB filing for FY 2024. Indicative, not credit advice.
Financial overview
Annual accounts filed on 29-09-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 10, Food manufacturing · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 29.8% | 21.2% | |
| Net result | €-43k | €7k | |
| Equity | €62k | €25k | |
| Gross operating margin | €127k | €60k | |
| Staff costs | €128k | €61k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €-967 |
| Net profit | €-43k |
| Cash flow | €-12k |
| Staff costs | €128k |
| Income taxes | - |
| Dividends | - |
| Total assets | €207k |
| Equity | €62k |
| Debt | €145k |
| of which ≤ 1y | €52k |
| of which > 1y | €90k |
| Working capital | €5k |
| Employees (FTE) | 3.3 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.10 |
| Quick ratio | 0.84 |
| Working capital ratio | 2.5% |
| Solvency | 29.8% |
| Debt / equity | 2.36 |
| Long-term debt ratio | 1.47 |
| Interest coverage | -0.09 |
| Gross margin | - |
| Net margin | - |
| ROA | -21.0% |
| ROE | -70.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €207k |
| Fixed assets | 21/28 | €148k |
| Formation expenses | 20 | €808 |
| Intangible fixed assets | 21 | €26k |
| Tangible fixed assets | 22/27 | €122k |
| Current assets | 29/58 | €58k |
| Stocks & contracts in progress | 3 | €14k |
| Amounts receivable within one year | 40/41 | €21k |
| Cash & bank | 54/58 | €23k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €207k |
| Equity | 10/15 | €62k |
| Contributions / capital | 10/11 | €105k |
| Accumulated profits (losses) | 14 | €-43k |
| Amounts payable | 17/49 | €145k |
| Amounts payable after one year | 17 | €90k |
| Amounts payable within one year | 42/48 | €52k |
| Trade debts payable within one year | 44 | €19k |
| Income statement | ||
| Gross operating margin | 9900 | €127k |
| Operating result | 9901 | €-32k |
| Financial income | 75 | €66 |
| Financial charges | 65 | €11k |
| Result before taxes | 9903 | €-43k |
| Net result for the period | 9904 | €-43k |
| Result to be appropriated | 9905 | €-43k |
Ratios computed by Checked.
Legal Structure
| NACE primary | Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk(10712) |
| Legal form | Private limited company(610) |
| Incorporation | 17-08-2023 |
| Status | Active |
| Postal code | 1050 |
Establishment units
Julien Othomene Pâtisserie
since 20232.348.822.732
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0342/00R003 | Brussels | 111 m² | 1 · 109 m² | 18.8 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
2025
29-09-2025
NBB filing
Annual accounts filed
Credit advice
AI due-diligence brief
Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Company registry (CBE)
Activities
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk10712Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Detailhandel in brood en banketbakkerswerk in gespecialiseerde winkels (koude bakkers)47241Detailhandel in brood en banketbakkerswerk (koude bakkers)47241Eetgelegenheden met beperkte bediening56102Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden56112Catering56210Catering van evenementen56210Verhuur en lease van tenten77392Verhuur en lease van tenten77392Organisatie van congressen en beurzen82300Organisatie van congressen en beurzen82300
Primary activity highlighted.
Names & trade names
| Legal nameFR | Pépite Concept |
Registered office
Jean Chapeliéstraat 4
1050 Elsene, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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