ERIC'S BAKKERIJ
ActiveERIC'S BAKKERIJ has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €137k and a net result of €28k. Equity is shrinking by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 51% of 1525 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
69
/ 100
Healthy▲ +15 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+83
Solvency47▲+20
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.74 against 0.23 in 2024), and 66.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 10
Relative position
BE, all sectors
reference
Sector 10
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
33.5%
Return on assets
6.8%
Age of the figures
15 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €137k
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 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
18 d late
2023
2 d early
2022
on the day
2021
37 d early
2020
on the day
2019
34 d early
← before the deadline
after the deadline →
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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€137k▲ 25.5%
2024 · €109k
2019: €174k
2020: €188k
2021: €199k
2022: €111k
2023: €106k
2024: €109k
2019 → 2025
Total assets
€410k▼ 4.3%
2024 · €428k
2019: €287k
2020: €689k
2021: €669k
2022: €502k
2023: €450k
2024: €428k
2019 → 2025
Net result
€28k▲ 639%
2024 · €4k
2019: €49k
2020: €14k
2021: €11k
2022: €-88k
2023: €-6k
2024: €4k
2019 → 2025
Working capital
€-11k▲ 73.1%
2024 · €-40k
2019: €76k
2020: €7k
2021: €96k
2022: €2k
2023: €176
2024: €-40k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€199k-€111k▼ 44.0%€106k▼ 5.0%€109k▲ 3.6%€137k▲ 25.5%
Operating result€19k-€-81k€-866▲ 98.9%€11k€33k▲ 207%
Net result€11k-€-88k€-6k▲ 93.6%€4k€28k▲ 639%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 207% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €410k
Fixed assets
€380k▼ 8.9%
Current assets
€30k▲ 161%
Equity and liabilities €410k
Equity
€137k▲ 25.5%
Debt
€273k▼ 14.5%
The debt ratio falls from 74.4% to 66.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€70k▲
2024 · €48k
Cash flow
€65k▲
2024 · €41k
Solvency
33.5%▲
2024 · 25.6%
Current ratio
0.74▲
2024 · 0.23
Quick ratio
0.72▲
2024 · 0.21
Debt / equity
1.98▼
2024 · 2.91
ROE
20.3%▲
2024 · 3.5%
ROA
6.8%▲
2024 · 0.9%
Interest coverage
14.20▲
2024 · 9.46
Debt
€273k▼
2024 · €319k
Debt ≤ 1 year
€41k▼
2024 · €52k
Debt > 1 year
€232k▼
2024 · €267k
Income taxes
€442▲
2024 · €341
Staff costs
€20k▲
2024 · €10k
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€428k€410k▼
Fixed assets21/28€417k€380k▼
Tangible fixed assets22/27€417k€380k▼
Land and buildings22€381k€357k▼
Plant, machinery and equipment23€36k€22k▼
Current assets29/58€12k€30k▲
Stocks and contracts in progress3€800€950▲
Stocks30/36€800€950▲
Amounts receivable within one year40/41€826€17k▲
Trade receivables40€564€5k▲
Other amounts receivable41€262€12k▲
Cash at bank and in hand54/58€5k€12k▲
Deferred charges and accrued income490/1€5k€515▼
Equity and liabilities
Total equity and liabilities10/49€428k€410k▼
Equity10/15€109k€137k▲
Contributions10/11€20k€20k=
Reserves13€179k€179k=
Tax-exempt reserves132€49k€49k=
Distributable reserves133€130k€130k=
Profit (loss) carried forward14€-89k€-61k▲
Amounts payable17/49€319k€273k▼
Amounts payable after more than one year17€267k€232k▼
Financial debts170/4€267k€232k▼
Amounts payable within one year42/48€52k€41k▼
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€14k€2k▼
Suppliers440/4€14k€2k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9-€879
Other amounts payable47/48€550-
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€10k€20k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k▼
Other operating charges640/8€5k€7k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€70k€96k▲
Operating profit (loss)9901€11k€33k▲
Financial income75/76B€354€430▲
Recurring financial income75€354€430▲
Financial charges65/66B€7k€5k▼
Recurring financial charges65€5k€5k▼
Non-recurring financial charges66B€2k-
Profit (loss) for the period before taxes9903€4k€28k▲
Income taxes67/77€341€442▲
Profit (loss) for the period9904€4k€28k▲
Profit (loss) for the period to be appropriated9905€4k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-89k€-61k▲
Profit (loss) brought forward from the previous period14P€-93k€-89k▲
The notes to these accounts (7 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
30-06
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-88k ▼903%
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
2021
25-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
16-12
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
3 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, Kasterlee · 1 establishment unit since 2021
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.
Pastorijstraat 272460 KasterleeGround area
683 m²
Building footprint
143 m²
Volume, LiDAR
809 m³
Parcel 13017F0361/00F000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Pastorijstraat 27, 2460 Kasterlee
since 20212.316.665.846
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13017F0361/00F000 | Flanders | 683 m² | 1 · 143 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteKasterlee2.316.665.846
Similar companies · same sector, comparable size
VANMULLEM/VINKE
BE 0768.580.884
Brugge · Eq €137k
PATRIS
BE 0466.306.714
Malle · Eq €137k
CUTFILMS
BE 0836.973.705
Hasselt · Eq €137k
SINT BARBARA
BE 0440.845.796
Tienen · Eq €137k
KRILIEN
BE 0691.905.057
Ledegem · Eq €138k
Of 4,202 companies in sector 10712 we hold annual accounts for 1,853. 1,570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2007
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.