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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Tight liquidity NBB
Cash and receivables cover 41 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Bakkerij PAN D’ORO from Leopoldsburg, company number BE0683834459, closed financial year 2025 with a result of € 29,715 after tax. For that financial year Bakkerij PAN D’ORO recorded a gross margin of € 427,136 and equity of € 81,715. Compared with financial year 2024, the result moved from € 60,250 to € 29,715. The company is profitable. 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 10, 2026.
€ 81,715
▼ 27% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 29,715
▼ 51% vs 2024
Profit after tax over the fiscal year.
€ 60,137
▼ 17% vs 2024
Cash and bank balances on the last day of the fiscal year.
€ 60,250 paid out
More than the year’s profit went to the shareholders; reserves fell.
People and assets in 2025
€ 297,648
▲ 32% 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.
€ 85,108
▼ 14% vs 2024
Of which on lease € 83,352.
Debts at end 2025
€ 240,662
▼ 11% vs 2024
€ 48,622 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 48,137
▲ 37% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 63,314
▲ 27% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 252,964 | € 320,879 | € 405,570 | € 427,136 | ▲ 5% |
| Profit after taxes | € 13,606 | € 33,304 | € 60,250 | € 29,715 | ▼ 51% |
| Equity | € 75,000 | € 85,304 | € 112,250 | € 81,715 | ▼ 27% |
| Total debts | € 374,017 | € 355,131 | € 360,748 | € 356,064 | ▼ 1% |
| Cash | € 47,244 | € 65,224 | € 72,555 | € 60,137 | ▼ 17% |
| Land & buildings | € 261,499 | € 245,033 | € 228,567 | € 214,173 | ▼ 6% |
| Retained profit | € 0 | € 33,304 | € 60,250 | € 29,715 | ▼ 51% |
| Dividend | € 2,628 | € 0 | € 33,304 | € 60,250 | ▲ 81% |
| Bank debt | € 328,350 | € 276,684 | € 271,854 | € 240,662 | ▼ 11% |
| Balance sheet total | € 449,017 | € 440,436 | € 472,998 | € 437,779 | ▼ 7% |
Key figures of Bakkerij PAN D’ORO, 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 Bakkerij PAN D’ORO?
What happened at Bakkerij PAN D’ORO in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 29,715 (▼ 51% vs 2024). Source: NBB ↗
- New establishment in Leopoldsburg. KBO
- Start of the company according to the CBE. KBO
- Karel Dams became a director. NBB
In short
From € 13,606 profit in 2022 to € 29,715 profit in 2025.
Paid € 34,696 in corporate taxes since 2022.
Best year ever: 2024, with € 60,250 profit.
Paid out € 96,182 in dividends to the owners in total.
A new publication or filing at Bakkerij PAN D’ORO? We notify you, reason included.
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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 Bakkerij PAN D’ORO is Karel Dams.
Directors
According to the 2025 annual accounts
Karel Dams
Director
since 2017
Establishments
Establishment units
Physical locations of this company
Stationsstraat 19
3970 Leopoldsburg
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Self-hosted
Hosting
VOXILITY, GB
Website info
Features
Security
Network
Details
- Company number
- 0683.834.459
- VAT number
- BE 0683.834.459
- Registered office
- Stationsstraat 19, 3970 Leopoldsburg
- Names & denominations
- Bakkerij PAN D’ORO
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 30 October 2017
- Peppol
- Active · Active since 1 Jan 2001
- Contact
- bakkerpandoro.be
- Activities · NACE
Detailhandel in brood en banketbakkerswerk (koude bakkers)
Ambachtelijke vervaardiging van brood en van vers banketbakkerswerk
Vervaardiging van beschuit, biscuit en houdbaar banketbakkerswerk