BORREMANSCV
ActiveThe computed 12-month bankruptcy probability of BORREMANSCV is 1.9% (moderate). The 2025 annual accounts show equity of €20k and a net result of €4k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 82% of 27711 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 3.83 against 2.8 in 2024; short-term debt: 23.2% and cash: 39% of total assets), and 23.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 43
Relative position
BE, all sectors
reference
Sector 43
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
76.8%
Return on assets
17.6%
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 04-03-2026, 149 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
149 d early
2024
20 d early
2023
9 d late
2022
18 d late
2021
44 d early
2020
31 d early
2019
3 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 29.7%
2024 · €15k
2019: €13k
2020: €16k
2021: €19k
2022: €23k
2023: €27k
2024: €15k
2019 → 2025
Total assets
€26k▲ 14.1%
2024 · €22k
2019: €56k
2020: €50k
2021: €45k
2022: €40k
2023: €44k
2024: €22k
2019 → 2025
Net result
€4k▼ 68.2%
2024 · €14k
2019: €323
2020: €4k
2021: €-4k
2022: €4k
2023: €4k
2024: €14k
2019 → 2025
Working capital
€17k▲ 28.8%
2024 · €13k
2019: €-33k
2020: €-21k
2021: €-9k
2022: €6k
2023: €20k
2024: €13k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€23k▲ 24.1%€27k▲ 16.0%€15k▼ 43.4%€20k▲ 29.7%
Operating result€-4k-€5k€5k▲ 6.6%€21k▲ 314%€6k▼ 73.0%
Net result€-4k-€4k€4k▼ 17.8%€14k▲ 284%€4k▼ 68.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 73% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €26k
Fixed assets
€3k▲ 35.0%
Current assets
€23k▲ 12.0%
Equity and liabilities €26k
Equity
€20k▲ 29.7%
Debt
€6k▼ 18.3%
The debt ratio falls from 32.4% to 23.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €27k
Cash flow
€5k▼
2024 · €20k
Solvency
76.8%▲
2024 · 67.6%
Current ratio
3.83▲
2024 · 2.80
Quick ratio
3.09▲
2024 · 2.66
Debt / equity
0.30▼
2024 · 0.48
ROE
22.9%▼
2024 · 93.3%
ROA
17.6%▼
2024 · 63.0%
Interest coverage
124.21▼
2024 · 485.20
Debt
€6k▼
2024 · €7k
Debt ≤ 1 year
€6k▼
2024 · €7k
Income taxes
€2k▼
2024 · €7k
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€22k€26k▲
Fixed assets21/28€2k€3k▲
Intangible fixed assets21€400€300▼
Tangible fixed assets22/27€2k€3k▲
Plant, machinery and equipment23€0-
Furniture and vehicles24€2k€3k▲
Current assets29/58€20k€23k▲
Stocks and contracts in progress3€1k€4k▲
Stocks30/36€1k€4k▲
Amounts receivable within one year40/41€5k€5k▼
Trade receivables40€4k€3k▼
Other amounts receivable41€1k€2k▲
Cash at bank and in hand54/58€11k€10k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€22k€26k▲
Equity10/15€15k€20k▲
Contributions10/11€1k€1k=
Reserves13€14k€19k▲
Distributable reserves133€14k€19k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€7k€6k▼
Amounts payable within one year42/48€7k€6k▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€4k€913▼
Taxes450/3€4k€913▼
Other amounts payable47/48€1k€3k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€967▼
Other operating charges640/8€769€805▲
Gross operating margin9900€28k€8k▼
Operating profit (loss)9901€21k€6k▼
Financial income75/76B€12€1k▲
Recurring financial income75€12€1k▲
Financial charges65/66B€56€54▼
Recurring financial charges65€56€54▼
Profit (loss) for the period before taxes9903€21k€7k▼
Income taxes67/77€7k€2k▼
Profit (loss) for the period9904€14k€4k▼
Profit (loss) for the period to be appropriated9905€14k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€4k▼
Profit (loss) brought forward from the previous period14P€8k€0▼
Transfer to equity691/2€14k€4k▼
To other reserves6921€14k€4k▼
Profit to be distributed694/7€8k€0▼
Return on contributions (dividend)694€8k€0▼
The notes to these accounts (10 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
04-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €14k ▲284%
Operating result €21k, net result €14k, both a record.
09-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 9 days late
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.39
Current ratio from 0.65 to 1.39; short-term debt falls from €26k to €16k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-4k ▼210%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mechelen · 1 establishment unit since 2019
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.
Stuivenbergbaan 2102800 MechelenGround area
843 m²
Building footprint
147 m²
Volume, LiDAR
902 m³
Parcel 12404F0312/00N003, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BORREMANSCV
since 20192.286.436.488
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0312/00N003 | Flanders | 843 m² | 1 · 147 m² | 9.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 313 EUR awarded · 313 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 107 EUR | 107 EUR |
| 2022 | 1 | 206 EUR | 206 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,661. 3,497 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-02-2019
Fiscal year end31-12
Activities, NACEBEL
43222Installation of electric heating, air conditioning, cooling and ventilation
43211General electrical installation work
43221Plumbing work
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bart@borremanscv.be
Phone:+32485476063