Financials
- Fiscal year
- 2025
- Total assets
- €262,465
- Loss
- -€75,418
- Solvency
- -25.7%
PTBL
ActiveSummary
The computed 12-month bankruptcy probability of PTBL is 2.7% (moderate). The 2025 annual accounts show negative equity (-€67,418) and a net result of -€75,418. Its solvency ranks better than 15% of 20110 sector peers (fiscal year 2025). The company has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Retail sale of bread and pastry (bakery outlets)
NACE 47241Limited-service restaurants, excluding mobile food services NACE 56112
1 site
Size
€262,465total assets 2025
- Staff
- 3.2 FTE
- Equity
- -€67,418
- Loss
- -€75,418
Turnover not published (abridged schema)
Structure
Accounts 39 d early0 of 1 deed read
Why 49- Founded in 2025- Sector Retail trade (NACE 47)- Negative equity -€67,418+ Size: total assets €262,465Show the evidence
Checked score
Score 2025
49
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 14% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength
Weak
Solvency
0
equity -25.7% of total assets
Liquidity
31
short-term debt 47.4% · cash 3.8%
Profitability
0
return on assets -28.7%
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 3 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 3 months
08-2026: 2.5%lowest value
09-2026: 2.6%▲ +4.2% vs 08-2026
10-2026: 2.7%▲ +2.5% vs 09-2026highest value
- Founded in 2025 raises the probability for this profile
- Size: total assets €262,465 lowers the probability for this profile
- Sector Retail trade (NACE 47) raises the probability
- Negative equity -€67,418 raises the probability
No credit on open account
Liquidity short (current ratio 0.17; short-term debt: 47.4% and cash: 3.8% of total assets), and equity is negative.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, micro). Better than this share of them on solvency 6%, liquidity 28%, profitability 6%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 22-06-2026, 39 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
39 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
- Annual accounts filedfiscal year 2025 · micro…
Key points
By topic
Timeline
- Events
- 1
- Since
- 2026
- 22-06-2026Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Retail sale of bread and pastry (bakery outlets)NACE 47241
- Founded
- 31-01-2025
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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