BOSSAERT NIEK
ActiveSummary
BOSSAERT NIEK has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €1k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 35% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability49▼-3
Solvency42▼-4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity tight (current ratio 1.47 against 1.36 in 2024; short-term debt: 26.4% and cash: 7.3% of total assets), and 83.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.7%
Return on assets
0.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
1 d early
2021
3 d early
2020
1 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 1.1%
2024 · €138k
2019: €121k
2020: €129k
2021: €157k
2022: €146k
2023: €146k
2024: €138k
2019 → 2025
Total assets
€835k▲ 24.3%
2024 · €672k
2019: €722k
2020: €703k
2021: €758k
2022: €713k
2023: €671k
2024: €672k
2019 → 2025
Net result
€1k
2024 · €-8k
2019: €-4k
2020: €8k
2021: €28k
2022: €-11k
2023: €-346
2024: €-8k
2019 → 2025
Working capital
€104k▲ 81.4%
2024 · €57k
2019: €121k
2020: €139k
2021: €192k
2022: €47k
2023: €94k
2024: €57k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€157k-€146k▼ 7.0%€146k▼ 0.2%€138k▼ 5.3%€140k▲ 1.1%
Operating result€46k-€608▼ 98.7%€10k▲ 1,550%€1k▼ 86.0%€19k▲ 1,240%
Net result€28k-€-11k€-346▲ 96.9%€-8k▼ 2,122%€1k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,240% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €835k
Fixed assets
€511k ▲ 12.3%
Current assets
€324k ▲ 49.5%
Equity and liabilities €835k
Equity
€140k ▲ 1.1%
Debt
€695k ▲ 30.3%
Debt's share of the balance-sheet total rises from 79.4% to 83.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €44k
Cash flow
€50k▲
2024 · €35k
Current ratio
1.47▲
2024 · 1.36
Quick ratio
1.42▲
2024 · 1.25
Debt to equity
4.97▲
2024 · 3.86
ROE
1.1%▲
2024 · -5.6%
ROA
0.2%▲
2024 · -1.1%
Interest coverage
3.63▼
2024 · 4.18
Debt ≤ 1 year
€220k▲
2024 · €160k
Debt > 1 year
€475k▲
2024 · €361k
Income taxes
€817▲
2024 · €368
Staff costs
€153k▼
2024 · €227k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€672k€835k▲
Fixed assets21/28€455k€511k▲
Tangible fixed assets22/27€455k€511k▲
Land and buildings22€452k€509k▲
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€174€0▼
Current assets29/58€217k€324k▲
Amounts receivable after more than one year29€12k€5k▼
Other amounts receivable291€12k€5k▼
Stocks and contracts in progress3€17k€12k▼
Stocks30/36€17k€12k▼
Amounts receivable within one year40/41€112k€239k▲
Trade receivables40€95k€212k▲
Other amounts receivable41€17k€27k▲
Cash at bank and in hand54/58€67k€61k▼
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€672k€835k▲
Equity10/15€138k€140k▲
Contributions10/11€120k€120k=
Reserves13€36k€32k▼
Non-distributable reserves130/1€4k€0▼
Reserves not available under the articles1311€4k€0▼
Distributable reserves133€32k€32k▼
Profit (loss) carried forward14€-18k€-12k▲
Amounts payable17/49€533k€695k▲
Amounts payable after more than one year17€361k€475k▲
Financial debts170/4€361k€475k▲
Amounts payable within one year42/48€160k€220k▲
Current portion of amounts payable after more than one year42€38k€35k▼
Trade debts44€97k€168k▲
Suppliers440/4€97k€168k▲
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€6k€6k▼
Remuneration and social security454/9€18k€12k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€13k€283▼
Income statement
Code20242025
Remuneration, social security and pensions62€227k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€49k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€0€33k▲
Gross operating margin9900€276k€258k▼
Operating profit (loss)9901€1k€19k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€11k€19k▲
Recurring financial charges65€11k€19k▲
Profit (loss) for the period before taxes9903€-7k€2k▲
Income taxes67/77€368€817▲
Profit (loss) for the period9904€-8k€1k▲
Profit (loss) for the period to be appropriated9905€-8k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-16k▲
Profit (loss) brought forward from the previous period14P€-10k€-18k▼
Transfer from equity791/2-€5k
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €1k
Net result €1k after 3 loss-making years.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-11k ▼139%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €28k ▲240%
Operating result €46k, net result €28k, both a record.
30-06
Financial
Equity above €150kEq €157k ▲21.9%
2 profitable years in a row build equity to €157k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortrijk · 1 establishment unit since 2007
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Heuleplaats(Heu) 18501 KortrijkGround area
144 m²
Building footprint
144 m²
Volume, LiDAR
1,217 m³
Parcel 34016C0125/00D000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BOSSAERT BROOD & BANKET
since 20072.164.575.586
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016C0125/00D000 | Flanders | 144 m² | 1 · 143 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Dual-learning approval
3 live approvalsBrood- en banketbakkerij duaal (so)
Medewerker (banket)bakkerij duaal (so)
Medewerker bakkerij (vwo)
Similar companies · same sector, comparable size
DELI IEPER
BE 0438.800.185
Ieper · Eq €140,090
PARIS CROISSANT
BE 0641.846.723
Poperinge · Eq €139,421
BISTRINUM
BE 0507.578.927
Denderleeuw · Eq €139,390
BAKKERIJ VAN HOECK
BE 0808.644.359
Merchtem · Eq €140,533
SARAH
BE 0643.910.942
Malmedy · Eq €139,174
Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 881 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-08-2007
Fiscal year end30-06
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.