Equity
€802,565 ▲ 12.9%
SEGERS has made a profit without a break since 2015.
SEGERS
Lifetime
19 annual accounts with figures on one time axis, 30 filings since 1996peak €487,767 (2025)
€487,767▲ 0.4%
lowest -€6,991 (2008)
€93,324▼ 3.3%
peak €802,565 (2025)
€802,565▲ 12.9%
€424,386▼ 9.8%
peak 5.4 FTE (2020)
5.2 FTE▲ 6.1%
Owners2 names in the annual accounts
Documentsfilings and deeds
04-06-202657 days before the deadline
2025abbreviated format
Dividend €1,666Equity from €710,907 to €802,565Cash from €277,559 to €389,559
Key points
from the 2025 annual accountsChecked score
97
Excellent
Financially stronger than 72% of micro companies in food products (NACE 10)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 1.1% across 3,080 companies (NACE 10, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%lowest value
01-2025: 0.1%● unchanged vs 12-2024lowest value
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 06-2025highest value
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 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
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: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.1%● unchanged vs 09-2026
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Manufacture of food products (NACE 10)
lowers risk
Liquidity: current ratio 1.96, cash €389,559
Equity €802,565 (65.4% of total assets)
Founded in 1996
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 10, micro). It does better than 78% of them on solvency, 86% on liquidity, 63% on profitability and 61% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
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).
Comparable companies, two years later
In July 2024, 31,368 companies had the same profile as SEGERS has now. Each dot stands for 79 companies, two years later.
93.5%
were still trading
5.9%
stopped another way
0.5%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of SEGERS itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 31,368 companies, not a prediction for SEGERS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €75,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.96 (1.58 in 2024), above the usual 1.5. Short-term debt is 20.6% and cash 31.8% of total assets. 34.6% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 days early
2024
57 days early
2023
41 days early
2022
33 days early
2021
58 days early
2020
33 days early
2019
34 days late
← 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 35 days before the deadline. In the sector (NACE 10), the median for financial year 2024 was 4 days before the deadline, and 38% 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 4 June (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- MAARTEN SEGERS 50%annual accounts 2017
- RONNY SEGERS 50%annual accounts 2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0457491293
Legal-form change · Resignations & appointments
General meeting of 09-10-2023 · Gazette deed
Environmental permit granted
Nieuwbouw van bijgebouwen en niet overdekte lage constructie, Verbouwen en/of uitbreiden zonder functiewijziging en zonder wijziging van aantal woongelegenheden, Verwijderen van vrijstaande bijgebouwen, niet-overdekte lage constructies of andere beperkte handelingen · Oud-Turnhout
New establishment in Oud-Turnhout
Brood & banket & charcuterie Maarten en Dorien, Neerstraat 65
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| SEGERS Vosselaar | €1.2m | €487,767 | 65.4% | 5.2 |
| LECIRE Namur | €1.4m | €438,998 | 3.3% | 5.9 |
| BAKKERIJ BOSSUYT Antwerp | €1.4m | €553,146 | 22.8% | 5.8 |
| NEIRYNCK Antwerp | €1.1m | €359,423 | 89.0% | 4.6 |
| LOBELIA Lier | €1.2m | €441,078 | 20.8% | 7.3 |
| VAN DER LINDEN-CREVE - BROOD & BANKET VEERLE & BART Lochristi | €1.3m | €383,729 | 31.6% | 4.6 |
| BAKKERIJ MARTINE Pittem | €1.4m | €583,656 | 47.7% | 5.6 |
These companies have the same main activity as SEGERS: artisanal bread and fresh pastry making (NACE 10712). They are comparable in size and age: total assets between €1.1m and €1.4m, founded between 1989 and 2002.
Official details
Source: KBO- Status
- Active since 18-03-1996Normal situation
- Activity
- Artisanal bread and fresh pastry makingNACE 10712and 6 others
- Establishment units
- 2.076.589.9552350 Vosselaar, since 20-05-1996
- 2.257.104.1832360 Oud-Turnhout, since 22-09-2016
- Financial year end
- 31 December
- Peppol
- Reachable since 03-12-2025
Annual accounts 2025
- ≈ €1.1mestimated
- €1.2m▲ 3.9%
- Employeeson 31-12-2025
- 9▲ 50.0%
- Filing
- Filed on 04-06-2026, 57 days before the end of the filing period
Insights on SEGERS
SEGERS files the abbreviated format. That format states no turnover. The gross margin rose from €4,987 in 2007 to €487,767 in 2025.
The balance sheet grew most from 2019 to 2021 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about SEGERS
- What is the company number of SEGERS?
- The company number of SEGERS is 0457.491.293. The VAT number is the same number with BE in front: BE 0457.491.293.
- Where is SEGERS based?
- The registered office is at Molenstraat 53, 2350 Vosselaar.Company details
- What does SEGERS do?
- According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
- What is the legal form of SEGERS?
- SEGERS is a private limited company (BV).
- When was SEGERS founded?
- SEGERS was founded on 18-03-1996.
- Is SEGERS still active?
- Yes, SEGERS is an active enterprise in the KBO register.
- How many employees does SEGERS have?
- SEGERS had an average of 5.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of SEGERS?
- The turnover in financial year 2025 is ≈ €1.1m. This figure is estimated from the gross margin of €487,767 and 2,275 comparable companies of the same size. It probably lies between €690,000 and €1.9m. It is a rough estimate.
- Is SEGERS profitable?
- In financial year 2025, SEGERS made a profit of €93,324.
- Where can I find the annual accounts of SEGERS?
- SEGERS filed 30 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of SEGERS due?
- SEGERS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies Compare this company with its sector.Sector benchmark
See how customers, suppliers and banks see your own company and what to improve first.