BRACOMPLEX
ActiveSummary
BRACOMPLEX has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 76% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▲+34
Solvency96▲+2
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 5.56 against 5.04 in 2024; short-term debt: 15% and cash: 7.6% of total assets), and 29.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Sector 43
higher
← 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
70.9%
Return on assets
0.5%
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 21-05-2026, 71 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
71 d early
2024
70 d early
2023
75 d early
2022
46 d early
2021
40 d early
2020
65 d early
2019
49 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1k
2024 · €-11k
2018: €2k
2019: €1k
2020: €-8k
2021: €568
2022: €9k
2023: €653
2024: €-11k
2018 → 2025
Working capital
€130k▲ 2.1%
2024 · €128k
2018: €138k
2019: €143k
2020: €129k
2021: €129k
2022: €142k
2023: €141k
2024: €128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€145k▲ 6.8%€146k▲ 0.5%€134k▼ 7.7%€135k▲ 0.7%
Operating result€748-€11k▲ 1,309%€2k▼ 78.0%€-5k€3k
Net result€568-€9k▲ 1,533%€653▼ 93.0%€-11k€1k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€32k ▼ 12.9%
Current assets
€159k ▼ 0.2%
Equity and liabilities €191k
Equity
€135k ▲ 0.7%
Debt
€56k ▼ 9.9%
Debt's share of the balance-sheet total falls from 31.4% to 29.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€8k▲
2024 · €741
Cash flow
€6k▲
2024 · €-6k
Current ratio
5.56▲
2024 · 5.04
Debt to equity
0.41▼
2024 · 0.46
ROE
0.7%▲
2024 · -8.3%
ROA
0.5%▲
2024 · -5.7%
Interest coverage
3.22▲
2024 · 0.10
Debt ≤ 1 year
€29k▼
2024 · €32k
Debt > 1 year
€27k▼
2024 · €30k
Income taxes
€259▼
2024 · €283
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€196k€191k▼
Fixed assets21/28€37k€32k▼
Tangible fixed assets22/27€37k€32k▼
Land and buildings22€34k€32k▼
Furniture and vehicles24€3k-
Current assets29/58€159k€159k▼
Amounts receivable within one year40/41€132k€115k▼
Trade receivables40€124k€103k▼
Other amounts receivable41€8k€12k▲
Current investments50/53€3k€28k▲
Cash at bank and in hand54/58€23k€15k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€196k€191k▼
Equity10/15€134k€135k▲
Contributions10/11€11k€11k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€121k€122k▲
Amounts payable17/49€62k€56k▼
Amounts payable after more than one year17€30k€27k▼
Financial debts170/4€30k€27k▼
Amounts payable within one year42/48€32k€29k▼
Current portion of amounts payable after more than one year42€6k€3k▼
Trade debts44€24k€25k▲
Suppliers440/4€24k€25k▲
Taxes, remuneration and social security45€2k€461▼
Taxes450/3€2k€461▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€6k€1k▼
Gross operating margin9900€7k€9k▲
Operating profit (loss)9901€-5k€3k▲
Financial income75/76B€2k€383▼
Recurring financial income75€2k€383▼
Financial charges65/66B€8k€3k▼
Recurring financial charges65€8k€3k▼
Profit (loss) for the period before taxes9903€-11k€1k▲
Income taxes67/77€283€259▼
Profit (loss) for the period9904€-11k€1k▲
Profit (loss) for the period to be appropriated9905€-11k€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€121k€122k▲
Profit (loss) brought forward from the previous period14P€133k€121k▼
The notes to these accounts (7 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
21-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €9k ▲1,533%
Operating result €11k, net result €9k, both a record.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €568
Net result €568 after one loss-making year.
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-06
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.
0 of 13 acts read
About the unread acts
We know of 13 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
13 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, Jette · 1 establishment unit since 2003
Ground area
267 m²
Building footprint
187 m²
Volume, LiDAR
2,003 m³
2 parcels, Brussels · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
FINIAS
since 20032.126.264.843
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21463C0390/00V003 | Brussels | 134 m² | 1 · 66 m² | 13.9 m · 4 fl. |
| 21011A0040/00D015 | Brussels | 134 m² | 1 · 121 m² | 12.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 8,454 companies in sector 43120 we hold annual accounts for 3,231. 2,654 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
43120Site preparation
43230Insulation installation
43310Plastering work
43320Joinery installation
43990Other specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.