BEBRA
ActiveSummary
BEBRA has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €416,246 and a net result of €221,084. Equity is growing by ~25.8% per year across the filed fiscal years. Its solvency ranks better than 89% of 7900 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
Liquidity ample (current ratio 5.45 against 6.99 in 2024; short-term debt: 17.7% and cash: 60.2% of total assets), and 17.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
82.3%
Return on assets
43.7%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
58 d late
2023
57 d early
2022
61 d late
2021
73 d late
2020
138 d late
2019
122 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 38 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check What other support did companies like this one receive, and it did not?Public money
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, abbreviated schema
Equity
€416,246▼ 65.3%
2024 · €1.2m
Total assets
€505,563▼ 63.7%
2024 · €1.4m
Net result
€221,084▼ 6.2%
2024 · €235,818
Working capital
€397,795▼ 65.8%
2024 · €1.2m
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€191,545▲ 10.0%€181,773▼ 5.1%€426,923▲ 135%€317,768▼ 25.6%€258,381▼ 18.7%
Net result€121,950above the sector's middle half▲ 6.6%€123,710within the sector's middle half▲ 1.4%€319,640above the sector's middle half▲ 158%€235,818above the sector's middle half▼ 26.2%€221,084above the sector's middle half▼ 6.2%
Equity€520,576within the sector's middle half▲ 30.6%€644,286within the sector's middle half▲ 23.8%€963,926above the sector's middle half▲ 49.6%€1.2mabove the sector's middle half▲ 24.5%€416,246within the sector's middle half▼ 65.3%
Total assets€1.3mwithin the sector's middle half▼ 2.8%€1.2mwithin the sector's middle half▼ 10.4%€1.5mwithin the sector's middle half▲ 21.8%€1.4mwithin the sector's middle half▼ 4.0%€505,563within the sector's middle half▼ 63.7%
Debt€727,565▼ 17.9%€463,462▼ 36.3%€412,193▼ 11.1%€194,156▼ 52.9%€89,317▼ 54.0%
Working capital€465,698▲ 29.2%€602,456▲ 29.4%€909,736▲ 51.0%€1.2m▲ 27.7%€397,795▼ 65.8%
Solvency39.1%within the sector's middle half▲ 10.0pp54.0%within the sector's middle half▲ 14.9pp66.4%above the sector's middle half▲ 12.4pp86.1%above the sector's middle half▲ 19.7pp82.3%above the sector's middle half▼ 3.7pp
Staff (FTE)3.3within the sector's middle half▼ 5.7%3.8within the sector's middle half▲ 15.2%3.6within the sector's middle half▼ 5.3%3.7within the sector's middle half▲ 2.8%3.4within the sector's middle half▼ 8.1%
above
within
below
the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505,563
Fixed assets
€18,451 ▼ 50.9%
Current assets
€487,111 ▼ 64.1%
Equity and liabilities €505,563
Equity
€416,246 ▼ 65.3%
Debt
€89,317 ▼ 54.0%
Debt's share of the balance-sheet total rises from 13.9% to 17.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€275,723▼
2024 · €349,264
Cash flow
€238,426▼
2024 · €267,314
Current ratio
5.45▼
2024 · 6.99
Quick ratio
5.21▼
2024 · 6.87
Debt to equity
0.21▲
2024 · 0.16
ROE
53.1%▲
2024 · 19.7%
ROA
43.7%▲
2024 · 16.9%
Interest coverage
122.29▲
2024 · 23.02
Debt ≤ 1 year
€89,317▼
2024 · €194,156
Income taxes
€70,378▼
2024 · €78,077
Staff costs
€136,057▲
2024 · €134,973
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,324 companies that looked in July 2024 the way this one looks now, 0.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.4%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,324 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €1,665 | - | - | €43,149 | - |
| Remuneration, social security and pensions62 | €136,902 | €140,303 | €129,075 | €134,973 | €136,057 | ▲ 0.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €71,258 | €62,809 | €46,128 | €31,496 | €17,342 | ▼ 44.9% |
| Provisions for liabilities and charges: additions (uses and reversals)635/8 | -€2,064 | €1,342 | -€8,716 | -€76,606 | - | - |
| Other operating charges640/8 | €8,324 | €11,509 | €5,525 | €17,518 | €3,175 | ▼ 81.9% |
| Non-recurring operating charges66A | - | - | - | €19,024 | - | - |
| Gross operating margin9900 | €405,965 | €397,737 | €598,935 | €444,173 | €414,955 | ▼ 6.6% |
| Operating profit (loss)9901 | €191,545 | €181,773 | €426,923 | €317,768 | €258,381 | ▼ 18.7% |
| Financial income75/76B | €9,635 | €2,401 | €12,936 | €11,295 | €35,336 | ▲ 213% |
| Recurring financial income75 | €9,635 | €2,401 | €12,936 | €9,663 | €35,336 | ▲ 266% |
| Non-recurring financial income76B | - | - | - | €1,632 | - | - |
| Financial charges65/66B | €16,580 | €14,896 | €10,889 | €15,169 | €2,255 | ▼ 85.1% |
| Recurring financial charges65 | €16,580 | €14,896 | €10,889 | €15,169 | €2,255 | ▼ 85.1% |
| Profit (loss) for the period before taxes9903 | €184,600 | €169,279 | €428,970 | €313,894 | €291,462 | ▼ 7.1% |
| Income taxes67/77 | €62,650 | €45,569 | €109,329 | €78,077 | €70,378 | ▼ 9.9% |
| Profit (loss) for the period9904 | €121,950 | €123,710 | €319,640 | €235,818 | €221,084 | ▼ 6.2% |
| Transfer from tax-exempt reserves789 | €12,000 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €133,950 | €123,710 | €319,640 | €235,818 | €221,084 | ▼ 6.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.3m | €1.2m | €1.5m | €1.4m | €505,563 | ▼ 63.7% |
| Fixed assets21/28 | €624,536 | €439,871 | €399,229 | €37,559 | €18,451 | ▼ 50.9% |
| Intangible fixed assets21 | €905 | €509 | €112 | - | - | - |
| Tangible fixed assets22/27 | €623,631 | €439,363 | €399,117 | €37,559 | €18,451 | ▼ 50.9% |
| Land and buildings22 | €484,660 | €343,475 | €330,174 | - | - | - |
| Plant, machinery and equipment23 | €70,203 | €58,782 | €44,757 | €30,441 | €16,124 | ▼ 47.0% |
| Furniture and vehicles24 | €68,768 | €37,105 | €24,186 | €7,118 | €2,327 | ▼ 67.3% |
| Current assets29/58 | €707,585 | €753,199 | €1.1m | €1.4m | €487,111 | ▼ 64.1% |
| Stocks and contracts in progress3 | €130,380 | €10,380 | €22,000 | €22,000 | €22,000 | = |
| Stocks30/36 | €10,380 | €10,380 | €22,000 | €22,000 | €22,000 | = |
| Contracts in progress37 | €120,000 | - | - | - | - | - |
| Amounts receivable within one year40/41 | €233,567 | €298,521 | €369,701 | €304,029 | €157,560 | ▼ 48.2% |
| Trade receivables40 | €204,002 | €279,465 | €302,946 | €245,571 | €136,710 | ▼ 44.3% |
| Other amounts receivable41 | €29,565 | €19,056 | €66,756 | €58,457 | €20,850 | ▼ 64.3% |
| Cash at bank and in hand54/58 | €328,206 | €421,835 | €636,132 | €1.0m | €304,518 | ▼ 69.8% |
| Deferred charges and accrued income490/1 | €15,432 | €22,464 | €25,664 | €20,695 | €3,033 | ▼ 85.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.3m | €1.2m | €1.5m | €1.4m | €505,563 | ▼ 63.7% |
| Equity10/15 | €520,576 | €644,286 | €963,926 | €1.2m | €416,246 | ▼ 65.3% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €501,976 | €625,686 | €945,326 | €1.2m | €397,646 | ▼ 66.3% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | - | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | - | - | - | - |
| Distributable reserves133 | €500,116 | €623,826 | €945,326 | €1.2m | €397,646 | ▼ 66.3% |
| Provisions and deferred taxes16 | €83,980 | €85,322 | €76,606 | - | - | - |
| Provisions for liabilities and charges160/5 | €83,980 | €85,322 | €76,606 | - | - | - |
| Environmental obligations163 | €83,980 | €85,322 | €76,606 | - | - | - |
| Amounts payable17/49 | €727,565 | €463,462 | €412,193 | €194,156 | €89,317 | ▼ 54.0% |
| Amounts payable after more than one year17 | €485,678 | €312,719 | €268,432 | - | - | - |
| Financial debts170/4 | €485,678 | €312,719 | €268,432 | - | - | - |
| Amounts payable within one year42/48 | €241,887 | €150,744 | €143,761 | €194,156 | €89,317 | ▼ 54.0% |
| Current portion of amounts payable after more than one year42 | €81,203 | €72,960 | €54,022 | - | - | - |
| Financial debts43 | - | - | - | €20,000 | - | - |
| Other loans439 | - | - | - | €20,000 | - | - |
| Trade debts44 | €29,738 | €45,750 | €2,853 | €70,973 | €40,050 | ▼ 43.6% |
| Suppliers440/4 | €29,738 | €45,750 | €2,853 | €70,973 | €40,050 | ▼ 43.6% |
| Taxes, remuneration and social security45 | €90,533 | €29,165 | €86,887 | €103,183 | €42,825 | ▼ 58.5% |
| Taxes450/3 | €51,568 | €5,545 | €61,422 | €77,406 | €25,522 | ▼ 67.0% |
| Remuneration and social security454/9 | €38,965 | €23,620 | €25,464 | €25,777 | €17,303 | ▼ 32.9% |
| Other amounts payable47/48 | €40,413 | €2,869 | - | - | €6,442 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €121,950 | €123,710 | €319,640 | €235,818 | €221,084 | ▼ 6.2% |
| + Depreciation and write-downs630 | €71,258 | €62,809 | €46,128 | €31,496 | €17,342 | ▼ 44.9% |
| Operating cash flow (approximation) | €193,208 | €186,520 | €365,768 | €267,314 | €238,426 | ▼ 10.8% |
| Investment in fixed assets (approximation) | - | €121,855 | -€5,485 | €330,174 | €1,766 | ▼ 99.5% |
| Change in cash | - | €93,629 | €214,298 | €373,485 | -€705,099 | ▼ 289% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 58 days late
2024
31-12
Financial
Equity above €1mEq €1.2m ▲24.5%
7 profitable years in a row build equity to €1.2m.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €319,640 ▲158%
Operating result €426,923, net result €319,640, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 61 days late
2022
12-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 73 days late
2021
31-12
Financial
Equity above €500,000Eq €520,576 ▲30.6%
4 profitable years in a row build equity to €520,576.
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 138 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 122 days late
2019
31-12
Financial
Equity above €200,000Eq €284,211 ▲47.8%
2 profitable years in a row build equity to €284,211.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Antwerpen · 1 establishment unit since 1996
Ground area
1.2 ha
Building footprint
6,614 m²
Volume, LiDAR
85,069 m³
Parcel 11807G2131/00Y000, Flanders · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BEBRA
since 19962.074.372.615
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G2131/00Y000 | Flanders | 1.2 ha | 1 · 6,614 m² | 17.0 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 · 4 entries · 5,000 EUR awarded · 5,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,000 EUR | 2,000 EUR |
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 10 endedBinnenschrijnwerk en interieur duaal (so)
Interieurbouwer duaal (so)
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
Show 10 ended approvals
Machinaal houtbewerker duaal (so)
Medewerker hout duaal (so)
Operator CNC-gestuurde houtbewerkingsmachines duaal (so)
Interieurbouwer (so)
Machinaal houtbewerker (so)
Plaatser interieurelementen (so)
Interieurbouwer duaal (so)
Interieurbouwer (so)
Machinaal houtbewerker (so)
Productiemedewerker interieurbouw (so)
Similar companies · same sector, comparable size
WONINGRENOVATIE B & G
BE 0442.005.046
Putte · Eq €415,934
Details by Segers
BE 0478.350.451
Knokke-Heist · Eq €413,749
ESKA CREATORS
BE 0695.860.182
Affligem · Eq €413,659
BATISWEET
BE 0473.920.422
Brussel · Eq €419,065
CLARUS
BE 0466.349.967
Kortrijk · Eq €420,919
Of 7,300 companies in sector 43350 we hold annual accounts for 2,361. 1,428 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-11-1995
Fiscal year end31-12
Activities, NACEBEL 2025
31002Manufacture of furniture
43350Other building finishing work
E-invoicing
Reachable via Peppol
Peppol ID
0208:0456540101
Registered
15-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.