BERMABRU
ActiveBERMABRU has been active since 1974 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.79M and a net result of €-409k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 67% of 4826 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency99▼-1
Growth33=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.89 in 2024), and 38.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
61.1%
Return on assets
-13.9%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€409k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
13 d early
2023
34 d early
2022
6 d early
2021
52 d early
2020
16 d early
2019
28 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€12.72M▼ 10.2%
2022 · €14.16M
2018: €12.58M
2019: €12.96M
2020: €12.64M
2021: €14.49M
2022: €14.16M
2018 → 2023
EBIT margin
-0.8%▼ 4.7pp
2022 · 3.9%
2018: -1.1%
2019: 0.2%
2020: -0.3%
2021: 1.9%
2022: 3.9%
2018 → 2023
Net result
€-409k▼ 21.7%
2024 · €-336k
2018: €-30k
2019: €35k
2020: €-19k
2021: €242k
2022: €435k
2023: €-85k
2024: €-336k
2018 → 2025
Working capital
€1.44M▼ 19.7%
2024 · €1.80M
2018: €1.74M
2019: €1.89M
2020: €1.98M
2021: €1.85M
2022: €2.25M
2023: €2.08M
2024: €1.80M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€14.49M-€14.16M▼ 2.3%€12.72M▼ 10.2%
Equity€2.19M-€2.62M▲ 19.9%€2.54M▼ 3.2%€2.20M▼ 13.2%€1.79M▼ 18.6%
Operating result€274k-€556k▲ 103%€-101k€-343k▼ 239%€-406k▼ 18.6%
Net result€242k-€435k▲ 79.5%€-85k€-336k▼ 297%€-409k▼ 21.7%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €406k in 2025 against €343k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.93M
Fixed assets
€453k▼ 24.0%
Current assets
€2.48M▼ 9.7%
Equity and liabilities €2.93M
Equity
€1.79M▼ 18.6%
Debt
€1.14M=
The debt ratio rises from 34.1% to 38.9%: equity shrinks.
Key figures and ratios
EBITDA
€-199k▼
2024 · €-136k
Cash flow
€-202k▼
2024 · €-130k
Solvency
61.1%▼
2024 · 65.9%
Current ratio
2.39▼
2024 · 2.89
Quick ratio
0.84▼
2024 · 1.11
Debt / equity
0.64▲
2024 · 0.52
ROE
-22.8%▼
2024 · -15.3%
ROA
-13.9%▼
2024 · -10.1%
Interest coverage
-1.23▼
2024 · -0.84
Debt
€1.14M=
2024 · €1.14M
Debt ≤ 1 year
€1.04M▲
2024 · €951k
Debt > 1 year
€101k▼
2024 · €190k
Income taxes
€5k▼
2024 · €5k
Staff costs
€1.81M▼
2024 · €1.95M
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€3.34M€2.93M▼
Fixed assets21/28€596k€453k▼
Tangible fixed assets22/27€593k€450k▼
Plant, machinery and equipment23€249k€189k▼
Furniture and vehicles24€344k€261k▼
Financial fixed assets28€3k€3k=
Current assets29/58€2.75M€2.48M▼
Stocks and contracts in progress3€1.69M€1.61M▼
Stocks30/36€1.69M€1.61M▼
Amounts receivable within one year40/41€866k€704k▼
Trade receivables40€524k€454k▼
Other amounts receivable41€342k€250k▼
Cash at bank and in hand54/58€177k€163k▼
Deferred charges and accrued income490/1€16k€9k▼
Equity and liabilities
Total equity and liabilities10/49€3.34M€2.93M▼
Equity10/15€2.20M€1.79M▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€172k€172k=
Non-distributable reserves130/1€17k€17k=
Legal reserve130€6k€6k=
Reserves not available under the articles1311€11k€11k=
Tax-exempt reserves132€6k€6k=
Distributable reserves133€150k€150k=
Profit (loss) carried forward14€1.97M€1.56M▼
Amounts payable17/49€1.14M€1.14M=
Amounts payable after more than one year17€190k€101k▼
Financial debts170/4€190k€101k▼
Amounts payable within one year42/48€951k€1.04M▲
Current portion of amounts payable after more than one year42€116k€133k▲
Financial debts43€250k€254k▲
Credit institutions430/8€250k€254k▲
Trade debts44€178k€263k▲
Suppliers440/4€178k€263k▲
Taxes, remuneration and social security45€357k€334k▼
Taxes450/3€136k€111k▼
Remuneration and social security454/9€221k€223k▲
Other amounts payable47/48€50k€57k▲
Income statement
Code20242025
Non-recurring operating income76A€4k€2k▼
Remuneration, social security and pensions62€1.95M€1.81M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€207k€207k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€28k€-38k▼
Other operating charges640/8€27k€29k▲
Gross operating margin9900€1.86M€1.60M▼
Operating profit (loss)9901€-343k€-406k▼
Financial income75/76B€174k€164k▼
Recurring financial income75€174k€164k▼
Financial charges65/66B€163k€161k▼
Recurring financial charges65€163k€161k▼
Profit (loss) for the period before taxes9903€-331k€-404k▼
Income taxes67/77€5k€5k▼
Profit (loss) for the period9904€-336k€-409k▼
Profit (loss) for the period to be appropriated9905€-336k€-409k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.97M€1.56M▼
Profit (loss) brought forward from the previous period14P€2.30M€1.97M▼
Social balance
Average headcount (FTE)908727.926.8▼
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-409k
Net result drops to €-409k, the lowest in the series.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2018net €435k ▲79.5%
Operating result €556k, net result €435k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €242k
Net result €242k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
08-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Anderlecht · 1 establishment unit since 1974
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Maurice Herbettelaan 631070 AnderlechtGround area
5,919 m²
Building footprint
3,452 m²
Volume, LiDAR
21,857 m³
Parcel 21302A0062/00D002, Brussels · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERMABRU PVBA
since 19742.010.333.908
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21302A0062/00D002 | Brussels | 5,919 m² | 1 · 3,452 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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WANZL
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DECEUNINCK-DEFORCE
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LG Participation
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Of 499 companies in sector 46841 we hold annual accounts for 362. 275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded22-08-1974
Fiscal year end31-12
Activities, NACEBEL
46841Wholesale trade
46150Agents in the wholesale of furniture, household goods and hardware
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.