CAFERMI
ActiveCAFERMI has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.09M and a net result of €179k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 81% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+2
Solvency95▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 4.52 against 4.76 in 2024; short-term debt: 15.5% and cash: 11.8% of total assets), and 29.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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 · 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
70.2%
Return on assets
11.5%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
50 d early
2023
54 d early
2022
33 d early
2021
44 d early
2020
53 d early
2019
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€179k▲ 42.2%
2024 · €126k
2018: €-13k
2019: €30k
2020: €52k
2021: €102k
2022: €139k
2023: €122k
2024: €126k
2018 → 2025
Working capital
€843k▲ 25.7%
2024 · €671k
2018: €375k
2019: €344k
2020: €321k
2021: €324k
2022: €405k
2023: €508k
2024: €671k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€531k-€661k▲ 24.4%€783k▲ 18.5%€908k▲ 16.1%€1.09M▲ 19.7%
Operating result€147k-€208k▲ 41.3%€174k▼ 16.5%€187k▲ 7.2%€265k▲ 42.2%
Net result€102k-€139k▲ 36.6%€122k▼ 12.3%€126k▲ 2.9%€179k▲ 42.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 42% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.55M
Fixed assets
€466k▼ 1.6%
Current assets
€1.08M▲ 27.4%
Equity and liabilities €1.55M
Equity
€1.09M▲ 19.7%
Debt
€461k▲ 11.2%
The debt ratio falls from 31.3% to 29.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€335k▲
2024 · €248k
Cash flow
€249k▲
2024 · €187k
Solvency
70.2%▲
2024 · 68.7%
Current ratio
4.52▼
2024 · 4.76
Quick ratio
1.59▲
2024 · 1.49
Debt / equity
0.42▼
2024 · 0.46
ROE
16.4%▲
2024 · 13.8%
ROA
11.5%▲
2024 · 9.5%
Interest coverage
30.01▲
2024 · 22.90
Debt
€461k▲
2024 · €415k
Debt ≤ 1 year
€239k▲
2024 · €178k
Debt > 1 year
€222k▼
2024 · €236k
Income taxes
€75k▲
2024 · €52k
Staff costs
€117k▲
2024 · €101k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.32M€1.55M▲
Fixed assets21/28€474k€466k▼
Tangible fixed assets22/27€474k€466k▼
Land and buildings22€393k€357k▼
Plant, machinery and equipment23€40k€47k▲
Furniture and vehicles24€41k€63k▲
Current assets29/58€849k€1.08M▲
Stocks and contracts in progress3€584k€702k▲
Stocks30/36€584k€702k▲
Amounts receivable within one year40/41€160k€186k▲
Trade receivables40€150k€176k▲
Other amounts receivable41€11k€11k=
Cash at bank and in hand54/58€96k€183k▲
Deferred charges and accrued income490/1€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.32M€1.55M▲
Equity10/15€908k€1.09M▲
Contributions10/11€19k€19k=
Reserves13€506k€666k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€504k€664k▲
Profit (loss) carried forward14€384k€403k▲
Amounts payable17/49€415k€461k▲
Amounts payable after more than one year17€236k€222k▼
Financial debts170/4€236k€222k▼
Amounts payable within one year42/48€178k€239k▲
Current portion of amounts payable after more than one year42€80k€87k▲
Trade debts44€2k€27k▲
Suppliers440/4€2k€27k▲
Taxes, remuneration and social security45€96k€125k▲
Taxes450/3€74k€100k▲
Remuneration and social security454/9€22k€25k▲
Income statement
Code20242025
Remuneration, social security and pensions62€101k€117k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61k€70k▲
Other operating charges640/8€10k€11k▲
Non-recurring operating charges66A€87k-
Gross operating margin9900€446k€463k▲
Operating profit (loss)9901€187k€265k▲
Financial income75/76B€2k€289▼
Recurring financial income75€176€289▲
Non-recurring financial income76B€1k-
Financial charges65/66B€11k€11k▲
Recurring financial charges65€11k€11k▲
Profit (loss) for the period before taxes9903€177k€254k▲
Income taxes67/77€52k€75k▲
Profit (loss) for the period9904€126k€179k▲
Profit (loss) for the period to be appropriated9905€126k€179k▲
Appropriation of the result
Profit (loss) to be appropriated9906€504k€563k▲
Profit (loss) brought forward from the previous period14P€378k€384k▲
Transfer to equity691/2€120k€160k▲
To other reserves6921€120k€160k▲
Social balance
Average headcount (FTE)90872.02.2▲
The notes to these accounts (11 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €179k ▲42.2%
Operating result €265k, net result €179k, both a record.
31-12
Financial
Equity above €1MEq €1.09M ▲19.7%
7 profitable years in a row build equity to €1.09M.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €531k ▲20.4%
3 profitable years in a row build equity to €531k.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €30k
Net result €30k after one loss-making year.
12-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 43 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
05-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 36 days late
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, Bièvre · 2 establishment units since 1993
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.
Rue de Bouillon 545555 BièvreGround area
1.1 ha
Building footprint
1,190 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
Rue de Bouillon 54, 5555 Bièvre
since 19932.062.827.536
Rue Alphonse Lepage,Oizy 2, 5555 Bièvre
since 19932.236.504.650
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91352A0066/00X002 | Wallonia | 1.0 ha | 1 · 615 m² | - |
| 91015B0436/00M000 | Wallonia | 1,253 m² | 1 · 575 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesBièvre2.236.504.650
Bièvre2.062.827.536
Similar companies · same sector, comparable size
FCC
BE 0859.951.124
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Boulangerie LIEMANS
BE 0506.628.921
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PATISSERIE CHRISTIAENS
BE 0468.628.675
Zaventem · Eq €1.11M
LE PAIN D'ANTAN
BE 0465.205.070
Gembloux · Eq €1.12M
DELHIMMO 33
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Neupré · Eq €1.15M
Of 2,407 companies in sector 47241 we hold annual accounts for 1,099. 371 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-06-1993
Fiscal year end31-12
Activities, NACEBEL
47241Retail sale of bread and pastry (bakery outlets)
47279Other retail sale of food
47299Retail trade
52240
52272
47252Retail sale of beverages, general range
52250Logistics services
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.cafermi.be
E-mail:info@cafermi.be