LOBELIA
ActiveLOBELIA has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €256k and a net result of €26k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 33% of 800 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability55=
Solvency46▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity short (current ratio 0.68 against 0.59 in 2024; short-term debt: 16% and cash: 5.8% of total assets), and 79.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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
20.8%
Return on assets
2.1%
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 28-10-2025, 95 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
95 d early
2024
22 d early
2023
63 d early
2022
110 d early
2021
61 d early
2020
3 d early
2019
2 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€256k▲ 11.2%
2024 · €230k
2019: €94k
2020: €113k
2021: €143k
2022: €185k
2023: €213k
2024: €230k
2019 → 2025
Total assets
€1.23M▲ 2.3%
2024 · €1.20M
2019: €784k
2020: €775k
2021: €1.13M
2022: €1.21M
2023: €1.22M
2024: €1.20M
2019 → 2025
Net result
€26k▲ 55.3%
2024 · €17k
2019: €29k
2020: €20k
2021: €30k
2022: €42k
2023: €28k
2024: €17k
2019 → 2025
Working capital
€-63k▲ 31.2%
2024 · €-91k
2019: €-26k
2020: €5k
2021: €-60k
2022: €-75k
2023: €-86k
2024: €-91k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€185k▲ 29.4%€213k▲ 15.1%€230k▲ 7.7%€256k▲ 11.2%
Operating result€74k-€88k▲ 19.6%€69k▼ 22.1%€57k▼ 17.3%€65k▲ 13.7%
Net result€30k-€42k▲ 41.3%€28k▼ 33.4%€17k▼ 41.1%€26k▲ 55.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€1.09M▲ 2.5%
Current assets
€134k▲ 0.6%
Equity and liabilities €1.23M
Equity
€256k▲ 11.2%
Provisions
€163k▲ 0.5%
Debt
€808k▲ 0.1%
The debt ratio falls from 67.3% to 65.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€151k▲
2024 · €143k
Cash flow
€112k▲
2024 · €103k
Solvency
20.8%▲
2024 · 19.2%
Current ratio
0.68▲
2024 · 0.59
Quick ratio
0.66▲
2024 · 0.57
Debt / equity
3.16▼
2024 · 3.51
ROE
10.0%▲
2024 · 7.2%
ROA
2.1%▲
2024 · 1.4%
Interest coverage
4.08▼
2024 · 4.19
Debt
€808k▲
2024 · €808k
Debt ≤ 1 year
€197k▼
2024 · €224k
Debt > 1 year
€599k▲
2024 · €583k
Income taxes
€6k▼
2024 · €9k
Staff costs
€267k▼
2024 · €303k
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€1.20M€1.23M▲
Fixed assets21/28€1.07M€1.09M▲
Tangible fixed assets22/27€1.07M€1.09M▲
Land and buildings22€985k€928k▼
Plant, machinery and equipment23€53k€158k▲
Furniture and vehicles24€29k€7k▼
Current assets29/58€133k€134k▲
Stocks and contracts in progress3€5k€5k=
Stocks30/36€5k€5k=
Amounts receivable within one year40/41€27k€37k▲
Trade receivables40€16k€26k▲
Other amounts receivable41€11k€11k▲
Cash at bank and in hand54/58€85k€72k▼
Deferred charges and accrued income490/1€16k€20k▲
Equity and liabilities
Total equity and liabilities10/49€1.20M€1.23M▲
Equity10/15€230k€256k▲
Contributions10/11€7k€7k=
Reserves13€223k€249k▲
Tax-exempt reserves132€13k€13k=
Distributable reserves133€211k€236k▲
Provisions and deferred taxes16€163k€163k▲
Provisions for liabilities and charges160/5€163k€163k▲
Other liabilities and charges164/5€163k€163k▲
Amounts payable17/49€808k€808k▲
Amounts payable after more than one year17€583k€599k▲
Financial debts170/4€583k€599k▲
Amounts payable within one year42/48€224k€197k▼
Current portion of amounts payable after more than one year42€89k€106k▲
Financial debts43€13k€12k▼
Other loans439€13k€12k▼
Trade debts44€89k€51k▼
Suppliers440/4€89k€51k▼
Taxes, remuneration and social security45€33k€27k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€20k€17k▼
Accrued charges and deferred income492/3-€13k
Income statement
Code20242025
Non-recurring operating income76A-€4k
Remuneration, social security and pensions62€303k€267k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€86k€86k▼
Other operating charges640/8€14k€10k▼
Non-recurring operating charges66A€503€14k▲
Gross operating margin9900€461k€441k▼
Operating profit (loss)9901€57k€65k▲
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€34k€37k▲
Recurring financial charges65€34k€37k▲
Profit (loss) for the period before taxes9903€26k€32k▲
Income taxes67/77€9k€6k▼
Profit (loss) for the period9904€17k€26k▲
Profit (loss) for the period to be appropriated9905€17k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€26k▲
Transfer to equity691/2€17k€26k▲
To other reserves6921€17k€26k▲
Social balance
Average headcount (FTE)908712.27.3▼
The notes to these accounts (21 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
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €17k ▼41.1%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
2023
29-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €200kEq €213k ▲15.1%
5 profitable years in a row build equity to €213k.
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2019net €42k ▲41.3%
Operating result €88k, net result €42k, both a record.
30-06
Financial
Equity above €150kEq €185k ▲29.4%
4 profitable years in a row build equity to €185k.
2021
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Equity above €100kEq €113k ▲21.1%
2 profitable years in a row build equity to €113k.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
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
2 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, Lier · 1 establishment unit since 2002
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.
Berlaarsesteenweg 24/262500 LierGround area
320 m²
Building footprint
320 m²
Volume, LiDAR
1,972 m³
Parcel 12392C0435/00N002, Flanders · tallest building 11.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BROOD- BANKET PEETERS
since 20022.114.473.207
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12392C0435/00N002 | Flanders | 320 m² | 1 · 320 m² | 11.4 m · 1 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
2022 to 2025 · 6 entries · 29,905 EUR awarded · 29,905 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 9,342 EUR | 9,342 EUR |
| 2024 | 1 | 8,581 EUR | 8,581 EUR |
| 2023 | 2 | 5,748 EUR | 5,748 EUR |
| 2022 | 1 | 6,234 EUR | 6,234 EUR |
Schemes
Individueel Maatwerk
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLier2.114.473.207
Dual-learning approval
5 endedSimilar companies · same sector, comparable size
Bakkerij Wivi
BE 0599.980.038
Westerlo · Eq €255k
BAULIS
BE 0817.195.306
Landen · Eq €255k
BIONAM
BE 0895.940.597
Namur · Eq €256k
BOULANGERIE HODY
BE 0447.605.906
Fleurus · Eq €257k
DRIE STERREN
BE 0452.189.551
Antwerpen · Eq €257k
Of 4,227 companies in sector 10712 we hold annual accounts for 1,871. 1,459 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2002
Fiscal year end30-06
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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 entriesE-mail:broodbanketpeeters@skynet.be
Phone:03/4307170