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PIERRE et PAINS

Active
Private limited companyfounded 2016active for 10 yearsAvenue de Sur Cortil 86, 4130 Esneux, BelgiumKBO/BCE: BE 0660.818.834

From the official registers: KBO 9 annual accounts at the National Bank publications in the Belgian Official Gazette

Summary

PIERRE et PAINS has been active since 2016 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93,655 and a net result of €78,750. Equity has been growing by about 20% per year since 2018. Its solvency ranks better than 49% of 12,757 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

KBO
Status
Active since 09-08-2016 Normal situation
Activity
Retail sale of bread and pastry (bakery outlets) NACE 47241and 5 others
Establishment unit
2.256.110.330 4130 Esneux, since 01-10-2016
Financial year end
31 December
Peppol
Reachable

Board and ownership

Financial position

88 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€268,273
▲ 17.2%
Turnover
≈ €1.3m
estimated
Profit
€78,750
▲ 24.6%
Equity
€93,655
▼ 23.7%
Total assets
€264,561
▲ 66.9%
Staff
4.6 FTE
=
Filed on 10-07-2026, 21 days before the deadlineat the National Bank
Score breakdownraises riskSize: 4.6 FTE, total assets €264,561Sector: Retail trade (NACE 47)Figures for financial year 2025 (filed on 10-07-2026)lowers riskLiquidity: current ratio 1.36, cash €231,042Show the evidence

Checked score

Score 2025
88 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 59% of micro companies in retail trade (NACE 47)
Financial strength · tick: 2024
Strong
Solvency 60-40
equity 35.4% of total assets
Liquidity 66-26
short-term debt 64.6% · cash 87.3%
Profitability 100=
return on assets 29.8%
Bankruptcy probability within 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.6% (40,270 companies, NACE 47, micro)
Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025 10-2025: 0.1%● unchanged vs 09-2025 11-2025: 0.1%● unchanged vs 10-2025 12-2025: 0.1%● unchanged vs 11-2025 01-2026: 0.1%● unchanged vs 12-2025lowest value 02-2026: 0.1%● unchanged vs 01-2026lowest value 03-2026: 0.1%● unchanged vs 02-2026lowest value 04-2026: 0.1%● unchanged vs 03-2026 05-2026: 0.1%● unchanged vs 04-2026 06-2026: 0.1%● unchanged vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.3%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.3%● unchanged vs 08-2026highest value 10-2026: 0.3%● unchanged vs 09-2026
Credit of up to €8,000 on 30-day terms is acceptable
Liquidity is tight, with a current ratio of 1.36 (4.07 in 2024), below the usual 1.5. Short-term debt is 64.6% and cash 87.3% of total assets. 64.6% 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 51% of them on solvency, 72% on liquidity, 96% on profitability and 18% 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 riskneutral
lowers risk · Liquidity: current ratio 1.36, cash €231,042
NBB · annual accounts
raises risk · Size: 4.6 FTE, total assets €264,561
Companies of this size fail more often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
raises risk · Sector: Retail trade (NACE 47)
KBO
raises risk · Figures for financial year 2025 (filed on 10-07-2026)
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 10-07-2026, 21 days ahead of the deadline.
NBB · 9 filings
Deviation from the deadline
2025
21 days early
2024
22 days early
2023
35 days early
2022
24 days early
2021
32 days early
2020
56 days late
2019
4 days early
← 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 12 days before 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 7 July (5 of the last 5 accounts filed within 30 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

  • Positive: 10th largest employer in Esneux, Wholesale and retail trade sectorin the Checked rankings No. 10 View
  • Positive: 8 profitable years in a rowprofit 2025: €78,750 8 years View
  • Positive: Filed on time since financial year 2021accounts within the deadline every year 5 years View

Comparable companies

These companies have the same main activity as PIERRE et PAINS: retail sale of bread and pastry (bakery outlets) (NACE 47241). They are comparable in size and age: total assets between €167,000 and €548,000, founded between 2015 and 2020.

CompanyTotal assetsGross margin
PIERRE et PAINS Esneux€264,561€268,273
DULZURA Leuven€378,971€326,805
DUMONT GLACIER Namur€192,710€315,337
PAIN PLUS Beveren-Kruibeke-Zwijndrecht€448,572€299,917
Het Bakkertje Antwerpen€296,988€191,267
LETA Lier€167,145€226,248
Bakkerij Deneyer Beersel€547,542€250,378
Full comparison

Documents

Annual accounts at the NBB

All 9 annual accounts

Articles and registers

Key facts about PIERRE et PAINS

What is the company number of PIERRE et PAINS?
The company number of PIERRE et PAINS is 0660.818.834. The VAT number is the same number with BE in front: BE 0660.818.834.
Where is PIERRE et PAINS based?
The registered office is at Avenue de Sur Cortil 86, 4130 Esneux.Company details
What does PIERRE et PAINS 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 PIERRE et PAINS?
The legal form of PIERRE et PAINS is Private limited company (BV).
When was PIERRE et PAINS founded?
PIERRE et PAINS was founded on 09-08-2016.
Is PIERRE et PAINS still active?
Yes, PIERRE et PAINS is an active enterprise in the KBO register.
How many employees does PIERRE et PAINS have?
PIERRE et PAINS had an average of 4.6 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of PIERRE et PAINS?
The turnover in financial year 2025 is ≈ €1.3m. This figure is estimated from the gross margin of €268,273 and 30 comparable companies (NACE 472). It probably lies between €940,000 and €1.8m. In financial year 2023 turnover was €437,972.
Is PIERRE et PAINS profitable?
In financial year 2025, PIERRE et PAINS made a profit of €78,750.
Where can I find the annual accounts of PIERRE et PAINS?
PIERRE et PAINS filed 9 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 PIERRE et PAINS due?
PIERRE et PAINS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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