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Croûte: sector benchmark

Where does a company stand against its sector? Every ratio over five fiscal years, with its place among its peers and what that means, ready to print for your client.

Sector benchmark

Croûte

BE 0758.352.829
NACE 47.241, Retail sale of bread and pastry (bakery outlets)
NACE division 47, Retail trade all sizesfiscal years 2021 to 202516,997 to 32,568 sector peers per ratio

Summary

fiscal year 2025

Croûte does better than half of its sector on 3 of the 8 ratios compared.

most favourable quarter above the median below the median least favourable quarter
Strongest points
  • Return on equitybetter than 85%
  • Return on assetsbetter than 74%
  • Interest coveragebetter than 72%
Points to watch
  • Current ratiobetter than 12%
  • Long-term debt ratiobetter than 17%
  • Working-capital ratiobetter than 18%

Solvency and debt

How soundly the company is financed.
Solvency
22.5%▲2025

Solvency is below 64% of 32,488 sector peers: less favourable than the median.

Position against the sector improving since 2021.

20212022202320242025
Debt to equity
3.45▼2025

Debt to equity is above 81% of 32,106 sector peers: in the least favourable quarter.

Position against the sector improving since 2021.

20212022202320242025
Long-term debt ratio
1.94▼2025

The long-term debt ratio is above 83% of 16,997 sector peers: in the least favourable quarter.

Position against the sector improving since 2021.

20212022202320242025
Interest coverage
20.94▲2025

Interest coverage is above 72% of 29,199 sector peers: more favourable than the median.

Position against the sector improving since 2021.

20212022202320242025

Liquidity

Whether it can pay its short-term bills.
Current ratio
0.54▼2025

The current ratio is below 88% of 32,316 sector peers: in the least favourable quarter.

Position against the sector stable since 2021.

20212022202320242025
Working-capital ratio
-15.6%▼2025

The working-capital ratio is below 82% of 32,412 sector peers: in the least favourable quarter.

Position against the sector stable since 2021.

20212022202320242025

Profitability

What the company earns on its assets and its sales.
Return on equity
49.3%▲2025

Return on equity is above 85% of 27,017 sector peers: in the most favourable quarter.

Position against the sector stable since 2021.

20212022202320242025
Return on assets
11.1%▲2025

Return on assets is above 74% of 32,568 sector peers: more favourable than the median.

Position against the sector improving since 2021.

20212022202320242025

Not computable

Net margin, EBITDA margin, Gross margin, Days sales outstanding, Days payable outstanding, Days inventory. This company files the abbreviated or micro schema, in which turnover and purchases are optional; margins and credit terms therefore cannot be taken from its figures.

Source: filed annual accounts (NBB) and main activity (CBE register). Compared per fiscal year with each peer's latest statutory accounts; at least 30 peers per ratio. Prepared on 28 September 2026 via checked.be.