Result
€33,308 €33,308
Back in profit in 2026, after a loss of €55,778 in 2025.
be-BRIC
Lifetime
10 annual accounts with figures on one time axisGross marginpeak €992,207 (2021)
€661,121▲ 27.4%
Resultlowest -€149,678 (2017)
€33,308▲ €89,086
Equitypeak €581,230 (2024)
€558,759▲ 6.3%
Debts
€773,258▼ 11.7%
Staffpeak 14.3 FTE (2020)
12.8 FTE▲ 4.9%
Board1 name since 2015
1 directorSDNL GROUP
Owners
Documentsfilings and deeds
24-08-20267 days before the deadline
2026abbreviated format
Gross margin from €518,948 to €661,121Back to profit: €33,308Cash from €24,857 to €74,947
Key points
from the 2026 annual accountsChecked score
82
Excellent
Financially stronger than 52% of small companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.4% across 3,697 companies (NACE 47, small).
About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.8%
01-2025: 0.8%● unchanged vs 12-2024
02-2025: 0.8%● unchanged vs 01-2025
03-2025: 0.8%● unchanged vs 02-2025
04-2025: 0.8%● unchanged vs 03-2025
05-2025: 0.8%● unchanged vs 04-2025
06-2025: 0.8%● unchanged vs 05-2025
07-2025: 0.8%● unchanged vs 06-2025
08-2025: 1.0%▲ +0.2 percentage points vs 07-2025highest value
09-2025: 0.9%▼ -0.1 percentage points vs 08-2025
10-2025: 0.9%● unchanged vs 09-2025
11-2025: 0.8%▼ -0.1 percentage points vs 10-2025
12-2025: 0.8%● unchanged vs 11-2025
01-2026: 0.8%● unchanged vs 12-2025
02-2026: 0.8%● unchanged vs 01-2026
03-2026: 0.8%● unchanged vs 02-2026
04-2026: 0.8%● unchanged vs 03-2026
05-2026: 0.8%● unchanged vs 04-2026
06-2026: 0.8%● unchanged vs 05-2026
07-2026: 0.8%● unchanged vs 06-2026
08-2026: 0.9%▲ +0.1 percentage points vs 07-2026
09-2026: 0.5%▼ -0.4 percentage points vs 08-2026lowest value
10-2026: 0.5%● unchanged vs 09-2026lowest value
11-2026: 0.5%● unchanged vs 10-2026lowest value
Financial strengthAverage
Score breakdown
raises risk
Size: 12.8 FTE, total assets €1.3m
Sector: Retail trade (NACE 47)
lowers risk
Founded in 2015
Figures for financial year 2026 (filed on 24-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 63% of them on solvency, 26% on liquidity, 60% on profitability and 58% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-01-2026.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,049 companies had the same profile as be-BRIC has now. Each dot stands for 16 companies, two years later.
96.0%
were still trading
3.6%
stopped another way
0.4%
went bankrupt
That fits the bankruptcy probability of be-BRIC itself: 0.5% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,049 companies, not a prediction for be-BRIC. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.7 (1.69 in 2025), above the usual 1.5. Short-term debt is 58.1% and cash 5.6% of total assets. However, 58.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 24-08-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
7 days early
2025
24 days early
2024
18 days early
2023
20 days early
2022
37 days early
2021
15 days early
2020
35 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 22 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today. The company usually files around 11 August (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-01-2027 year end31-08-2027 deadline
Board and ownership
SG
SDNL GROUP
Director, WYNS Debby Leonard
- SDNL GROUP 99.93%equity €214,662 (2025) · 30-09-2025 annual accounts of SDNL GROUP
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0630924226
Legal-form change · Resignations & appointments
Change of role: SDNL GROUP, from manager to director · Permanent representative: WYNS Debby Leonard · General meeting of 02-05-2023 · Gazette deed
Incorporation
published on 01-06-2015 · Gazette deed
First establishment
BRICO BERINGEN, be-MINE 5, Beringen
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| be-BRIC Scherpenheuvel-Zichem | €1.3m | €661,121 | 41.9% | 12.8 |
| Bricogrez Grez-Doiceau | €2.0m | €708,050 | 16.9% | 11.2 |
| BRICO CENTER UCCLE Uccle | €1.0m | €671,384 | 37.0% | 10.2 |
| GEROBA Lier | €1.2m | €809,307 | 50.7% | 8.6 |
| CERAM Découpe Fleurus | €1.1m | €570,112 | 33.6% | 8.8 |
| EXPOSITO DHZ Berlare | €0.9m | €414,211 | -7.5% | 9.9 |
| FERMOLUX SE Lommel | €2.0m | €730,886 | 40.3% | 10.3 |
These companies have the same main activity as be-BRIC: retail sale of hardware, building materials, paint and glass (general range) (NACE 47521). They are comparable in size and age: total assets between €869,000 and €2m, founded between 2012 and 2016.
Official details
Source: KBO- Status
- Active since 28-05-2015Normal situation
- Activity
- Retail sale of hardware, building materials, paint and glass (general range)NACE 47521and 7 others
- Joint committee
- 201Independent retail · annual accounts 31-01-2026
- Establishment unit
- 2.242.749.5693582 Beringen, since 28-05-2015
- Financial year end
- 31 January
- Peppol
- Reachable since 30-01-2025
Annual accounts to 31-01-2026
- Turnover
- ≈ €3.4mestimated
- Total assets
- €1.3m▼ 5.0%
- Employeeson 31-01-2026
- 17▲ 6.3%
- Filing
- Filed on 24-08-2026, 7 days before the end of the filing period
Insights on be-BRIC
be-BRIC files the abbreviated format. That format states no turnover. The gross margin rose from €473,308 in 2017 to €661,121 in 2026.
SDNL GROUP holds all the shares.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about be-BRIC
- What is the company number of be-BRIC?
- The company number of be-BRIC is 0630.924.226. The VAT number is the same number with BE in front: BE 0630.924.226.
- Where is be-BRIC based?
- The registered office is at Lobosstraat 13, 3270 Scherpenheuvel-Zichem.Company details
- What does be-BRIC do?
- According to the KBO register, the main activity is retail sale of hardware, building materials, paint and glass (general range) (NACE 47521).
- What is the legal form of be-BRIC?
- be-BRIC is a private limited company (BV).
- When was be-BRIC founded?
- be-BRIC was founded on 28-05-2015.
- Is be-BRIC still active?
- Yes, be-BRIC is an active enterprise in the KBO register.
- How many employees does be-BRIC have?
- be-BRIC had an average of 12.8 full-time equivalents in financial year 2026, according to the filed annual accounts.Financials
- Which joint committee does be-BRIC fall under?
- In its 31-01-2026 annual accounts, be-BRIC states joint committee 201 (Independent retail).
- What is the turnover of be-BRIC?
- The turnover in financial year 2026 is ≈ €3.4m. This figure is estimated from the gross margin of €661,121 and 34 comparable companies (NACE 475). It probably lies between €2.4m and €5.2m.
- Is be-BRIC profitable?
- In financial year 2026, be-BRIC made a profit of €33,308.
- Where can I find the annual accounts of be-BRIC?
- be-BRIC filed 10 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
- When are the next annual accounts of be-BRIC due?
- be-BRIC must file the annual accounts for financial year 2027 by 31-08-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence See whether the workforce is growing and whether people stay.Employer check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check See which support similar companies received that this one did not.Subsidies
See how customers, suppliers and banks see your own company and what to improve first.