Summary
BLOOM & BRIGHT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €23k and a net result of €101k. Equity is growing by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 20% of 8048 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 8048 sector peers (2025).
NBB · sector comparisonPosition among 8048 sector peers
Solvency
better than 20%
← weakest
strongest →
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 30-03-2026, 123 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
123 d early
2024
87 d early
2023
54 d early
2022
81 d early
2021
32 d early
2020
17 d early
2019
32 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 88.0%
2024 · €190k
2018: €59k
2019: €100k▲ +69.1% vs 2018
2020: €175k▲ +75.0% vs 2019
2021: €231k▲ +31.9% vs 2020highest in 8 years
2022: €160k▼ -30.5% vs 2021
2023: €114k▼ -29.0% vs 2022
2024: €190k▲ +66.9% vs 2023
2025: €23k▼ -88.0% vs 2024lowest in 8 years
2018 → 2025
Net result
€101k▲ 32.2%
2024 · €76k
2018: €40klowest in 8 years
2019: €44k▲ +8.9% vs 2018
2020: €75k▲ +70.1% vs 2019
2021: €56k▼ -25.5% vs 2020
2022: €55k▼ -1.9% vs 2021
2023: €84k▲ +53.9% vs 2022
2024: €76k▼ -9.7% vs 2023
2025: €101k▲ +32.2% vs 2024highest in 8 years
2018 → 2025
Total assets
€148k▼ 28.6%
2024 · €208k
2018: €130klowest in 8 years
2019: €195k▲ +49.9% vs 2018
2020: €272k▲ +39.8% vs 2019highest in 8 years
2021: €269k▼ -1.2% vs 2020
2022: €190k▼ -29.2% vs 2021
2023: €203k▲ +6.7% vs 2022
2024: €208k▲ +2.3% vs 2023
2025: €148k▼ -28.6% vs 2024
2018 → 2025
Solvency
15.4%▼ 76.1pp
2024 · 91.4%
2018: 45.5%
2019: 51.3%▲ +12.8% vs 2018
2020: 64.2%▲ +25.2% vs 2019
2021: 85.7%▲ +33.6% vs 2020
2022: 84.2%▼ -1.8% vs 2021
2023: 56.0%▼ -33.5% vs 2022
2024: 91.4%▲ +63.1% vs 2023highest in 8 years
2025: 15.4%▼ -83.2% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€160k▼ 30.5%€114k▼ 29.0%€190k▲ 66.9%€23k▼ 88.0%
2021: €231khighest in 5 years
2022: €160k▼ -30.5% vs 2021
2023: €114k▼ -29.0% vs 2022
2024: €190k▲ +66.9% vs 2023
2025: €23k▼ -88.0% vs 2024lowest in 5 years
Operating result€73k-€72k▼ 1.6%€109k▲ 51.7%€99k▼ 9.1%€130k▲ 31.6%
2021: €73k
2022: €72k▼ -1.6% vs 2021lowest in 5 years
2023: €109k▲ +51.7% vs 2022
2024: €99k▼ -9.1% vs 2023
2025: €130k▲ +31.6% vs 2024highest in 5 years
Net result€56k-€55k▼ 1.9%€84k▲ 53.9%€76k▼ 9.7%€101k▲ 32.2%
2021: €56k
2022: €55k▼ -1.9% vs 2021lowest in 5 years
2023: €84k▲ +53.9% vs 2022
2024: €76k▼ -9.7% vs 2023
2025: €101k▲ +32.2% vs 2024highest in 5 years
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €148k
Fixed assets
€10k ▼ 26.9%
Current assets
€138k ▼ 28.7%
Equity and liabilities €148k
Equity
€23k ▼ 88.0%
Debt
€126k ▲ 603%
Debt's share of the balance-sheet total rises from 8.6% to 84.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
441.6%▲
2024 · 40.1%
ROA
67.8%▲
2024 · 36.6%
Debt ≤ 1 year
€126k▲
2024 · €18k
Income taxes
€29k▲
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€208k€148k▼
Fixed assets21/28€14k€10k▼
Tangible fixed assets22/27€14k€10k▼
Plant, machinery and equipment23€1k€810▼
Furniture and vehicles24-€1k
Other tangible fixed assets26€13k€8k▼
Financial fixed assets28€5€5=
Current assets29/58€194k€138k▼
Amounts receivable within one year40/41€18k€52k▲
Trade receivables40€18k€52k▲
Other amounts receivable41€201€0▼
Cash at bank and in hand54/58€175k€85k▼
Deferred charges and accrued income490/1€334€375▲
Equity and liabilities
Total equity and liabilities10/49€208k€148k▼
Equity10/15€190k€23k▼
Contributions10/11€19k€19k=
Reserves13€167k€0▼
Distributable reserves133€167k€0▼
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€18k€126k▲
Amounts payable within one year42/48€18k€126k▲
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€12k€22k▲
Taxes450/3€12k€22k▲
Other amounts payable47/48€5k€102k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€105k€137k▲
Operating profit (loss)9901€99k€130k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€1k€501▼
Recurring financial charges65€1k€501▼
Profit (loss) for the period before taxes9903€98k€130k▲
Income taxes67/77€21k€29k▲
Profit (loss) for the period9904€76k€101k▲
Profit (loss) for the period to be appropriated9905€76k€101k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€105k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2€0€167k▲
Transfer to equity691/2€76k€0▼
To other reserves6921€76k€0▼
Profit to be distributed694/7€0€268k▲
Return on contributions (dividend)694€0€268k▲
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €13k | €17k | €8k | €5k | €5k | ▲ 0.2% |
| Other operating charges640/8 | €1k | €1k | €1k | €1k | €1k | ▲ 8.1% |
| Gross operating margin9900 | €87k | €90k | €119k | €105k | €137k | ▲ 29.8% |
| Operating profit (loss)9901 | €73k | €72k | €109k | €99k | €130k | ▲ 31.6% |
| Financial income75/76B | €0 | €0 | €1 | €0 | €1 | - |
| Recurring financial income75 | €0 | €0 | €1 | €0 | €1 | - |
| Financial charges65/66B | €2k | €868 | €2k | €1k | €501 | ▼ 64.2% |
| Recurring financial charges65 | €2k | €868 | €2k | €1k | €501 | ▼ 64.2% |
| Profit (loss) for the period before taxes9903 | €71k | €71k | €107k | €98k | €130k | ▲ 33.0% |
| Income taxes67/77 | €15k | €16k | €23k | €21k | €29k | ▲ 35.7% |
| Profit (loss) for the period9904 | €56k | €55k | €84k | €76k | €101k | ▲ 32.2% |
| Profit (loss) for the period to be appropriated9905 | €56k | €55k | €84k | €76k | €101k | ▲ 32.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €269k | €190k | €203k | €208k | €148k | ▼ 28.6% |
| Fixed assets21/28 | €41k | €24k | €19k | €14k | €10k | ▼ 26.9% |
| Tangible fixed assets22/27 | €41k | €24k | €19k | €14k | €10k | ▼ 26.9% |
| Plant, machinery and equipment23 | €346 | €173 | €2k | €1k | €810 | ▼ 31.5% |
| Furniture and vehicles24 | €14k | €3k | €0 | - | €1k | - |
| Other tangible fixed assets26 | €27k | €21k | €18k | €13k | €8k | ▼ 37.1% |
| Financial fixed assets28 | €5 | €5 | €5 | €5 | €5 | = |
| Current assets29/58 | €228k | €166k | €184k | €194k | €138k | ▼ 28.7% |
| Amounts receivable within one year40/41 | €16k | €1k | €17k | €18k | €52k | ▲ 191% |
| Trade receivables40 | €16k | €0 | €17k | €18k | €52k | ▲ 194% |
| Other amounts receivable41 | €73 | €1k | €0 | €201 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €211k | €164k | €166k | €175k | €85k | ▼ 51.3% |
| Deferred charges and accrued income490/1 | €1k | €1k | €344 | €334 | €375 | ▲ 12.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €269k | €190k | €203k | €208k | €148k | ▼ 28.6% |
| Equity10/15 | €231k | €160k | €114k | €190k | €23k | ▼ 88.0% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €208k | €138k | €91k | €167k | €0 | ▼ 100% |
| Non-distributable reserves130/1 | €2k | €2k | €0 | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | €0 | - | - | - |
| Distributable reserves133 | €206k | €136k | €91k | €167k | €0 | ▼ 100% |
| Profit (loss) carried forward14 | €4k | €4k | €4k | €4k | €4k | = |
| Amounts payable17/49 | €38k | €30k | €89k | €18k | €126k | ▲ 603% |
| Amounts payable within one year42/48 | €37k | €29k | €88k | €18k | €126k | ▲ 603% |
| Financial debts43 | €0 | - | - | - | - | - |
| Credit institutions430/8 | €0 | - | - | - | - | - |
| Trade debts44 | €9k | €2k | €2k | €1k | €1k | ▼ 7.1% |
| Suppliers440/4 | €9k | €2k | €2k | €1k | €1k | ▼ 7.1% |
| Taxes, remuneration and social security45 | €9k | €3k | €8k | €12k | €22k | ▲ 84.2% |
| Taxes450/3 | €9k | €3k | €8k | €12k | €22k | ▲ 84.2% |
| Other amounts payable47/48 | €19k | €24k | €78k | €5k | €102k | ▲ 2,162% |
| Accrued charges and deferred income492/3 | €2k | €682 | €1k | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €56k | €55k | €84k | €76k | €101k | ▲ 32.2% |
| + Depreciation and write-downs630 | €13k | €17k | €8k | €5k | €5k | ▲ 0.2% |
| Operating cash flow (approximation) | €69k | €71k | €93k | €81k | €106k | ▲ 30.2% |
| Investment in fixed assets (approximation) | - | €0 | €-3k | €0 | €-1k | - |
| Change in cash | - | €-47k | €2k | €9k | €-90k | ▼ 1,090% |
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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €101k ▲32.2%
Operating result €130k, net result €101k, both a record.
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 10.84
Current ratio from 2.09 to 10.84; short-term debt falls from €88k to €18k.
31-12
Financial
Equity above €150kEq €190k ▲66.9%
7 profitable years in a row build equity to €190k.
07-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 6.19
Current ratio from 2.58 to 6.19; short-term debt falls from €95k to €37k.
31-12
Financial
Equity above €200kEq €231k ▲31.9%
4 profitable years in a row build equity to €231k.
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €175k ▲75%
3 profitable years in a row build equity to €175k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Stekene · 1 establishment unit since 2018
Ground area
2,675 m²
Building footprint
166 m²
Parcel 46322C1405/00D000, Flanders. Linked by address, not a title deed.
1 establishment unit
BLOOM & BRIGHT
since 20182.272.494.026
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322C1405/00D000 | Flanders | 2,675 m² | 1 · 166 m² | - |
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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 7,867 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
Founded13-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.