DELI IEPER
ActiveSummary
DELI IEPER has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €21k. Equity is growing by ~16.6% per year across the filed fiscal years. Its solvency ranks better than 92% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-8
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 3.16 in 2024; short-term debt: 15.2% and cash: 3.6% of total assets), and 15.2% 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
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
84.8%
Return on assets
12.4%
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
31 d early
2023
2 d early
2022
10 d late
2021
32 d early
2020
19 d late
2019
20 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€140k▲ 17.2%
2024 · €120k
2018: €66k
2019: €55k
2020: €54k
2021: €63k
2022: €78k
2023: €90k
2024: €120k
2018 → 2025
Total assets
€165k▲ 4.2%
2024 · €159k
2018: €100k
2019: €203k
2020: €171k
2021: €133k
2022: €114k
2023: €119k
2024: €159k
2018 → 2025
Net result
€21k▼ 30.8%
2024 · €30k
2018: €29k
2019: €-11k
2020: €-1k
2021: €8k
2022: €15k
2023: €12k
2024: €30k
2018 → 2025
Working capital
€122k▲ 45.5%
2024 · €84k
2018: €54k
2019: €-131k
2020: €-101k
2021: €-60k
2022: €-16k
2023: €27k
2024: €84k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€78k▲ 24.2%€90k▲ 15.0%€120k▲ 33.0%€140k▲ 17.2%
Operating result€11k-€21k▲ 90.4%€16k▼ 23.4%€37k▲ 132%€25k▼ 33.1%
Net result€8k-€15k▲ 80.1%€12k▼ 23.0%€30k▲ 153%€21k▼ 30.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€18k ▼ 50.1%
Current assets
€148k ▲ 19.9%
Equity and liabilities €165k
Equity
€140k ▲ 17.2%
Debt
€25k ▼ 35.5%
Debt's share of the balance-sheet total falls from 24.6% to 15.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▼
2024 · €68k
Cash flow
€51k▼
2024 · €60k
Current ratio
5.87▲
2024 · 3.16
Quick ratio
5.64▲
2024 · 3.00
Debt to equity
0.18▼
2024 · 0.33
ROE
14.7%▼
2024 · 24.8%
ROA
12.4%▼
2024 · 18.7%
Interest coverage
98.80▼
2024 · 123.19
Debt ≤ 1 year
€25k▼
2024 · €39k
Income taxes
€7k▼
2024 · €11k
Staff costs
€107k▼
2024 · €107k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€159k€165k▲
Fixed assets21/28€35k€18k▼
Tangible fixed assets22/27€35k€18k▼
Plant, machinery and equipment23€7k€17k▲
Other tangible fixed assets26€29k€783▼
Current assets29/58€123k€148k▲
Stocks and contracts in progress3€6k€6k▼
Stocks30/36€6k€6k▼
Amounts receivable within one year40/41€112k€135k▲
Trade receivables40€722-
Other amounts receivable41€111k€135k▲
Cash at bank and in hand54/58€4k€6k▲
Deferred charges and accrued income490/1€678€833▲
Equity and liabilities
Total equity and liabilities10/49€159k€165k▲
Equity10/15€120k€140k▲
Contributions10/11€30k€30k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Profit (loss) carried forward14€87k€107k▲
Amounts payable17/49€39k€25k▼
Amounts payable within one year42/48€39k€25k▼
Trade debts44€15k€13k▼
Suppliers440/4€15k€13k▼
Taxes, remuneration and social security45€24k€12k▼
Taxes450/3€10k€2k▼
Remuneration and social security454/9€14k€10k▼
Income statement
Code20242025
Remuneration, social security and pensions62€107k€107k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€31k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A-€633
Gross operating margin9900€177k€166k▼
Operating profit (loss)9901€37k€25k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€549€564▲
Recurring financial charges65€549€564▲
Profit (loss) for the period before taxes9903€41k€28k▼
Income taxes67/77€11k€7k▼
Profit (loss) for the period9904€30k€21k▼
Profit (loss) for the period to be appropriated9905€30k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€107k▲
Profit (loss) brought forward from the previous period14P€57k€87k▲
Social balance
Average headcount (FTE)90872.83.0▲
The notes to these accounts (9 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €30k ▲153%
Operating result €37k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €120k ▲33%
4 profitable years in a row build equity to €120k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 1.92
Current ratio from 0.55 to 1.92; short-term debt falls from €36k to €29k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 19 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €-11k ▼138%
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
Show earlier events
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 19 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are 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, Ieper · 1 establishment unit since 1990
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.
Boterstraat 248900 IeperGround area
189 m²
Building footprint
122 m²
Volume, LiDAR
1,030 m³
Parcel 33011F0406/00B000, Flanders · tallest building 15.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PANOS
since 19902.046.298.736
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011F0406/00B000 | Flanders | 189 m² | 1 · 122 m² | 15.8 m · 2 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
Food safety, FASFC
1 site · 1 with a smileyIeper2.046.298.736
Similar companies · same sector, comparable size
BOSSAERT NIEK
BE 0891.378.134
Kortrijk · Eq €139,857
BAKKERIJ VAN HOECK
BE 0808.644.359
Merchtem · Eq €140,533
PARIS CROISSANT
BE 0641.846.723
Poperinge · Eq €139,421
BISTRINUM
BE 0507.578.927
Denderleeuw · Eq €139,390
AZAIM
BE 0691.684.432
Brussel · Eq €140,825
Of 2,407 companies in sector 47241 we hold annual accounts for 1,100. 880 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
Founded27-10-1989
Fiscal year end31-12
Activities, NACEBEL 2025
47241Retail sale of bread and pastry (bakery outlets)
10712Artisanal bread and fresh pastry making
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.