BRALAKO 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 €455k and a net result of €165k. Equity is growing by ~19.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 7994 sector peers (fiscal year 2025). The company has been active since 2016 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 advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
12 d early
2023
15 d early
2022
39 d early
2021
33 d early
2020
39 d early
2019
35 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€455k▲ 57.1%
2024 · €289k
2018: €46k
2019: €85k
2020: €167k
2021: €333k
2022: €281k
2023: €296k
2024: €289k
2018 → 2025
Net result
€165k▲ 76.4%
2024 · €94k
2018: €32k
2019: €39k
2020: €82k
2021: €154k
2022: €178k
2023: €15k
2024: €94k
2018 → 2025
Total assets
€707k▲ 17.0%
2024 · €604k
2018: €66k
2019: €99k
2020: €190k
2021: €634k
2022: €750k
2023: €610k
2024: €604k
2018 → 2025
Solvency
64.3%▲ 16.4pp
2024 · 47.9%
2018: 69.7%
2019: 85.6%
2020: 88.2%
2021: 52.6%
2022: 37.4%
2023: 48.4%
2024: 47.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€333k-€281k▼ 15.7%€296k▲ 5.2%€289k▼ 2.1%€455k▲ 57.1%
Operating result€202k-€237k▲ 17.5%€20k▼ 91.5%€126k▲ 519%€225k▲ 79.4%
Net result€154k-€178k▲ 15.6%€15k▼ 91.8%€94k▲ 541%€165k▲ 76.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 79% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €707k
Fixed assets
€356k▼ 3.5%
Current assets
€351k▲ 49.1%
Equity and liabilities €707k
Equity
€455k▲ 57.1%
Provisions
€20k=
Debt
€232k▼ 21.2%
The debt ratio falls from 48.8% to 32.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
64.3%▲
2024 · 47.9%
ROE
36.4%▲
2024 · 32.4%
ROA
23.4%▲
2024 · 15.5%
Debt
€232k▼
2024 · €295k
Debt ≤ 1 year
€223k▼
2024 · €248k
Debt > 1 year
€10k▼
2024 · €47k
Income taxes
€57k▲
2024 · €39k
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€604k€707k▲
Fixed assets21/28€369k€356k▼
Tangible fixed assets22/27€44k€31k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€10k€8k▼
Leasing and similar rights25€32k€21k▼
Financial fixed assets28€325k€325k=
Current assets29/58€236k€351k▲
Amounts receivable within one year40/41€151k€280k▲
Trade receivables40€145k€280k▲
Other amounts receivable41€6k€0▼
Current investments50/53€0€28k▲
Cash at bank and in hand54/58€63k€42k▼
Deferred charges and accrued income490/1€21k€1k▼
Equity and liabilities
Total equity and liabilities10/49€604k€707k▲
Equity10/15€289k€455k▲
Contributions10/11€19k€19k=
Reserves13€271k€436k▲
Tax-exempt reserves132€92k€175k▲
Distributable reserves133€179k€261k▲
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€20k€20k=
Provisions for liabilities and charges160/5€20k€20k=
Other liabilities and charges164/5€20k€20k=
Amounts payable17/49€295k€232k▼
Amounts payable after more than one year17€47k€10k▼
Financial debts170/4€47k€10k▼
Amounts payable within one year42/48€248k€223k▼
Current portion of amounts payable after more than one year42€61k€38k▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€9k€20k▲
Taxes450/3€7k€18k▲
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€170k€154k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€2k€2k▼
Gross operating margin9900€146k€246k▲
Operating profit (loss)9901€126k€225k▲
Financial income75/76B€8k€0▼
Recurring financial income75€8k€0▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€132k€222k▲
Income taxes67/77€39k€57k▲
Profit (loss) for the period9904€94k€165k▲
Transfer to tax-exempt reserves689€0€83k▲
Profit (loss) for the period to be appropriated9905€94k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€83k▼
Transfer from equity791/2€100k€0▼
Transfer to equity691/2€94k€83k▼
To other reserves6921€94k€83k▼
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
The notes to these accounts (11 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €15k ▼91.8%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €178k ▲15.6%
Operating result €237k, net result €178k, both a record.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €333k ▲99.3%
4 profitable years in a row build equity to €333k.
22-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Equity above €150kEq €167k ▲97.2%
3 profitable years in a row build equity to €167k.
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 6.95
Current ratio from 3.28 to 6.95; short-term debt falls from €20k to €14k.
19-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-03
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Oudsbergen · 1 establishment unit since 2016
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.
Wilgenstraat 203670 OudsbergenGround area
911 m²
Building footprint
216 m²
Volume, LiDAR
1,181 m³
Parcel 72022C0432/00F000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRALAKO
since 20162.256.122.901
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72022C0432/00F000 | Flanders | 911 m² | 1 · 216 m² | 7.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755005I45EI0XUAHE46
Similar companies · same sector, comparable size
MOVANOP
BE 0437.083.681
Deinze · Eq €455k
BOMO
BE 0865.349.272
Dilbeek · Eq €455k
HST Insurance
BE 0721.689.007
Zottegem · Eq €455k
MBJ Invest
BE 1010.548.374
Wuustwezel · Eq €455k
pHd & C°
BE 0630.727.850
Hemiksem · Eq €455k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,662 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-08-2016
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.