Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 21 % of short-term debt in 2025; threshold 65 %.
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Legal situation KBO
Opschorting (gerechtelijke reorganisatie) according to the CBE.
Financials
Financial year 2025
BROOD & BANKET MERTENS from Sint-Katelijne-Waver, company number BE0644955473, closed financial year 2025 with a result of € -124,417 after tax. For that financial year BROOD & BANKET MERTENS recorded a gross margin of € 1.2 million and equity of € -557,690. Compared with financial year 2024, the result moved from € -195,724 to € -124,417. The company made a loss. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 10, 2026.
€ -557,690
▼ € 124,417 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -124,417
▲ 36 % less loss than in 2024
Profit after tax over the fiscal year.
€ 55,615
▲ 139% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € -563,890.
People and assets in 2025
24
▲ 0.8 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 1.1 million
▲ 3% vs 2024
€ 44,200 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 37,654
▼ 36% vs 2024
Of which on lease € 28,548.
Debts at end 2025
€ 1.4 million
▲ 8% vs 2024
€ 119,406 is repaid this year. At this pace the long-term loan is gone in ≈ 10 years.
€ 418,416
▲ 6% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 512,332
▼ 22% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 588,952 | € 895,199 | € 1,110,689 | € 1,233,695 | ▲ 11% |
| Profit after taxes | € -145,269 | € -81,476 | € -195,724 | € -124,417 | ▲ € 71,307 |
| Equity | € -156,073 | € -237,549 | € -433,273 | € -557,690 | ▼ € 124,417 |
| Total debts | € 2,248,159 | € 2,323,476 | € 2,419,540 | € 2,402,291 | ▼ 1% |
| Cash | € 26,861 | € 6,624 | € 23,270 | € 55,615 | ▲ 139% |
| Land & buildings | € 1,137,624 | € 1,117,376 | € 1,095,360 | € 1,063,344 | ▼ 3% |
| Retained profit | € -162,273 | € -243,749 | € -439,473 | € -563,890 | ▼ € 124,417 |
| Bank debt | € 1,428,640 | € 1,346,862 | € 1,256,300 | € 1,351,765 | ▲ 8% |
| Balance sheet total | € 2,092,086 | € 2,085,927 | € 1,986,267 | € 1,844,601 | ▼ 7% |
| Employees (FTE) | 22.6 | 33.9 | 23.2 | 24 | ▲ 0.8 |
Key figures of BROOD & BANKET MERTENS, 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 BROOD & BANKET MERTENS?
What happened at BROOD & BANKET MERTENS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 124,417. Source: NBB ↗
- New establishment in Boom. KBO
- New establishment in Sint-Katelijne-Waver. KBO
- Veerle Piessens became a director. NBB
- Start of the company according to the CBE. KBO
In short
From € 145,269 loss in 2022 to € 124,417 loss in 2025.
Paid € 587 in corporate taxes since 2022.
On average € 51,400 of value added per employee in 2025.
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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 BROOD & BANKET MERTENS is Veerle Piessens. Veerle Piessens is also behind FIJNGEBAK HARLEKIJN.
Directors
According to the 2025 annual accounts
since 2015
Establishments
Establishment units
Physical locations of this company
Fortsesteenweg 48
2860 Sint-Katelijne-Waver
Europastraat 2
2850 Boom
Active since 16 October 2020
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0644.955.473
- VAT number
- BE 0644.955.473
- Registered office
- Fortsesteenweg 48, 2860 Sint-Katelijne-Waver
- Names & denominations
- BROOD & BANKET MERTENS
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Opschorting (gerechtelijke reorganisatie)
- Start date
- 29 December 2015
- Peppol
- Active · Active since 27 Mar 2026
- Contact
- 03/888.28.59
- Activities · NACE
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk