Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 10 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Bäckerei - Konditorei WERTZ from Kelmis, company number BE0439345563, closed financial year 2025 with a result of € -45,060 after tax. For that financial year Bäckerei - Konditorei WERTZ recorded a gross margin of € 61,004 and equity of € 52,297. Compared with financial year 2024, the result moved from € -26,233 to € -45,060. The company made a loss. The company holds a healthy buffer. Debts are under control. The most recent annual accounts were filed with the National Bank of Belgium on July 15, 2026.
€ 52,297
▼ 46% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -45,060
▼ 72 % more loss than in 2024
Profit after tax over the fiscal year.
€ 7,862
▲ 34% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 33,705.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
€ 83,803
▼ 6% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 13,540
▼ 45% vs 2024
Book value of vehicles, furniture and equipment.
Debts at end 2025
€ 32,438
▲ 48% vs 2024
€ 4,071 is repaid this year. At this pace the long-term loan is gone in ≈ 1 years.
€ 26,103
▲ 18% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 42,396
▼ 18% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 56,067 | € 103,937 | € 81,432 | € 61,004 | ▼ 25% |
| Profit after taxes | € -47,698 | € -2,335 | € -26,233 | € -45,060 | ▼ € 18,826 |
| Equity | € 125,926 | € 123,591 | € 97,357 | € 52,297 | ▼ 46% |
| Total debts | € 122,137 | € 111,217 | € 113,426 | € 130,942 | ▲ 15% |
| Cash | € 6,987 | € 5,709 | € 5,883 | € 7,862 | ▲ 34% |
| Retained profit | € 107,334 | € 104,999 | € 78,765 | € 33,705 | ▼ 57% |
| Bank debt | € 44,544 | € 32,368 | € 21,966 | € 32,438 | ▲ 48% |
| Balance sheet total | € 248,063 | € 234,807 | € 210,783 | € 183,240 | ▼ 13% |
Key figures of Bäckerei - Konditorei WERTZ, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Bäckerei - Konditorei WERTZ?
What happened at Bäckerei - Konditorei WERTZ in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 45,060. Source: NBB ↗
- José Wertz became a director. NBB
- New establishment in Kelmis. KBO
- New establishment in Kelmis. KBO
- Start of the company according to the CBE. KBO
In short
From € 47,698 loss in 2022 to € 45,060 loss in 2025.
Paid € 1,884 in corporate taxes since 2022.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Bäckerei - Konditorei WERTZ is José Wertz.
Directors
According to the 2025 annual accounts
José Wertz
Administrator-manager
since 2023
Establishments
Establishment units
Physical locations of this company
Rue de l'Eglise 31A
4720 Kelmis
Route de Liège 214
4720 Kelmis
Active since 29 January 1990
Rue de l'Eglise 31 A
4720 Kelmis
Active since 29 January 1990
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0439.345.563
- VAT number
- BE 0439.345.563
- Registered office
- Rue de l'Eglise 31A, 4720 Kelmis
- Names & denominations
- Bäckerei - Konditorei WERTZ
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 10 January 1990
- Peppol
- Active · Active since 22 Oct 2025
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Artisanale brood- en banketbakkerijen
Niet-gespecialiseerde detailhandel waarbij voedings- en genotmiddelen overheersen
Niet-gespecialiseerde detailhandel in algemene voedingsmiddelen (verkoopsoppervlakte minder dan 100 m2)
Detailhandel in niet-gespecialiseerde winkels waarbij voedings- en genotmiddelen overheersen (verkoopsoppervlakte < 100 m²)