Summary
BramV 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 €18,600 and a net result of €150,638. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 9% of 5593 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 29-04-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
98 d early
2023
113 d early
2022
101 d early
2021
129 d early
2020
109 d early
2019
122 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 109 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 21 April (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€18,600▼ 85.4%
2024 · €127,760
Net result
€150,638▼ 5.3%
2024 · €159,116
Total assets
€382,865▲ 9.3%
2024 · €350,131
Solvency
4.9%▼ 31.6pp
2024 · 36.5%
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€270,526▲ 80.9%€235,914▼ 12.8%€208,079▼ 11.8%€220,832▲ 6.1%€220,193▼ 0.3%
Net result€289,254above the sector's middle half▲ 167%€178,240above the sector's middle half▼ 38.4%€149,777above the sector's middle half▼ 16.0%€159,116within the sector's middle half▲ 6.2%€150,638within the sector's middle half▼ 5.3%
Equity€440,627within the sector's middle half▲ 191%€198,867within the sector's middle half▼ 54.9%€148,644within the sector's middle half▼ 25.3%€127,760below the sector's middle half▼ 14.0%€18,600below the sector's middle half▼ 85.4%
Total assets€584,741within the sector's middle half▲ 98.0%€299,364below the sector's middle half▼ 48.8%€409,830within the sector's middle half▲ 36.9%€350,131below the sector's middle half▼ 14.6%€382,865below the sector's middle half▲ 9.3%
Debt€144,114▲ 0.1%€100,497▼ 30.3%€261,186▲ 160%€222,370▼ 14.9%€364,265▲ 63.8%
Working capital€265,836within the sector's middle half▲ 52,511%-€210within the sector's middle half-€52,456below the sector's middle half▼ 24,929%-€73,340within the sector's middle half▼ 39.8%-€175,104within the sector's middle half▼ 139%
Solvency75.4%within the sector's middle half▲ 24.1pp66.4%within the sector's middle half▼ 8.9pp36.3%within the sector's middle half▼ 30.2pp36.5%within the sector's middle half▲ 0.2pp4.9%below the sector's middle half▼ 31.6pp
Current ratio3.26above the sector's middle half▲ 2.251.00within the sector's middle half▼ 2.260.80within the sector's middle half▼ 0.200.67within the sector's middle half▼ 0.130.51within the sector's middle half▼ 0.16
Return on assets (ROA)49.5%above the sector's middle half▲ 12.7pp59.5%above the sector's middle half▲ 10.1pp36.5%above the sector's middle half▼ 23.0pp45.4%above the sector's middle half▲ 8.9pp39.3%above the sector's middle half▼ 6.1pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €382,865
Fixed assets
€201,100 =
Current assets
€181,765 ▲ 22.0%
Equity and liabilities €382,865
Equity
€18,600 ▼ 85.4%
Debt
€364,265 ▲ 63.8%
Debt's share of the balance-sheet total rises from 63.5% to 95.1%. Equity is lower and debt is higher.
Key figures and ratios
ROE
809.9%▲
2024 · 124.5%
Debt ≤ 1 year
€356,869▲
2024 · €222,370
Income taxes
€59,430▲
2024 · €55,075
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €1,863 | €0 | - | - | - | - |
| Other operating charges640/8 | - | €353 | €1,160 | €1,207 | €1,198 | ▼ 0.7% |
| Non-recurring operating charges66A | - | €0 | - | - | - | - |
| Gross operating margin9900 | €275,712 | €236,267 | €209,239 | €222,039 | €221,392 | ▼ 0.3% |
| Operating profit (loss)9901 | €270,526 | €235,914 | €208,079 | €220,832 | €220,193 | ▼ 0.3% |
| Financial income75/76B | - | €0 | €1 | €1 | €0 | ▼ 97.7% |
| Recurring financial income75 | €90,020 | €0 | €1 | €1 | €0 | ▼ 97.7% |
| Financial charges65/66B | - | €2,724 | €5,596 | €6,642 | €10,125 | ▲ 52.4% |
| Recurring financial charges65 | €2,887 | €2,724 | €5,596 | €6,642 | €10,125 | ▲ 52.4% |
| Profit (loss) for the period before taxes9903 | €357,658 | €233,190 | €202,483 | €214,191 | €210,068 | ▼ 1.9% |
| Income taxes67/77 | €68,404 | €54,950 | €52,706 | €55,075 | €59,430 | ▲ 7.9% |
| Profit (loss) for the period9904 | €289,254 | €178,240 | €149,777 | €159,116 | €150,638 | ▼ 5.3% |
| Profit (loss) for the period to be appropriated9905 | €289,254 | €178,240 | €149,777 | €159,116 | €150,638 | ▼ 5.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €584,741 | €299,364 | €409,830 | €350,131 | €382,865 | ▲ 9.3% |
| Fixed assets21/28 | €201,100 | €201,100 | €201,100 | €201,100 | €201,100 | = |
| Tangible fixed assets22/27 | €0 | - | - | - | - | - |
| Financial fixed assets28 | €201,100 | €201,100 | €201,100 | €201,100 | €201,100 | = |
| Current assets29/58 | €383,641 | €98,264 | €208,730 | €149,031 | €181,765 | ▲ 22.0% |
| Amounts receivable within one year40/41 | €204,424 | €48,524 | €34,485 | €34,485 | €35,055 | ▲ 1.7% |
| Trade receivables40 | - | €34,485 | €34,485 | €34,485 | €34,485 | = |
| Other amounts receivable41 | - | €14,039 | €0 | - | €570 | - |
| Cash at bank and in hand54/58 | €88,262 | €49,740 | €172,914 | €113,058 | €145,214 | ▲ 28.4% |
| Deferred charges and accrued income490/1 | - | €0 | €1,331 | €1,488 | €1,495 | ▲ 0.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €584,741 | €299,364 | €409,830 | €350,131 | €382,865 | ▲ 9.3% |
| Equity10/15 | €440,627 | €198,867 | €148,644 | €127,760 | €18,600 | ▼ 85.4% |
| Contributions10/11 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €422,027 | €180,267 | €130,044 | €109,160 | €0 | ▼ 100% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €0 | - | - |
| Distributable reserves133 | - | €178,407 | €128,184 | €109,160 | €0 | ▼ 100% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €144,114 | €100,497 | €261,186 | €222,370 | €364,265 | ▲ 63.8% |
| Amounts payable after more than one year17 | €26,309 | €2,024 | €0 | - | - | - |
| Financial debts170/4 | - | €2,024 | €0 | - | - | - |
| Amounts payable within one year42/48 | €117,804 | €98,474 | €261,186 | €222,370 | €356,869 | ▲ 60.5% |
| Current portion of amounts payable after more than one year42 | - | €24,286 | €2,024 | €0 | - | - |
| Financial debts43 | - | €12,000 | €0 | - | - | - |
| Credit institutions430/8 | - | €12,000 | €0 | - | - | - |
| Trade debts44 | €1,981 | €0 | - | - | €223 | - |
| Suppliers440/4 | - | €0 | - | - | €223 | - |
| Taxes, remuneration and social security45 | - | €12,329 | €13,933 | €11,519 | €10,590 | ▼ 8.1% |
| Taxes450/3 | - | €8,874 | €10,401 | €7,970 | €7,017 | ▼ 12.0% |
| Remuneration and social security454/9 | - | €3,455 | €3,532 | €3,548 | €3,573 | ▲ 0.7% |
| Other amounts payable47/48 | - | €49,858 | €245,229 | €210,852 | €346,055 | ▲ 64.1% |
| Accrued charges and deferred income492/3 | - | - | - | - | €7,396 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €289,254 | €178,240 | €149,777 | €159,116 | €150,638 | ▼ 5.3% |
| + Depreciation and write-downs630 | €1,863 | €0 | - | - | - | - |
| Operating cash flow (approximation) | €291,117 | €178,240 | €149,777 | €159,116 | €150,638 | ▼ 5.3% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€38,522 | €123,174 | -€59,856 | €32,157 | ▲ 154% |
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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
09-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €289,254 ▲167%
Operating result €270,526, net result €289,254, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.26
Current ratio from 1.01 to 3.26.
31-12
Financial
Equity above €200,000Eq €440,627 ▲191%
4 profitable years in a row build equity to €440,627.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €150,000Eq €151,373 ▲253%
3 profitable years in a row build equity to €151,373.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Anzegem · 1 establishment unit since 2015
Ground area
1,531 m²
Building footprint
171 m²
Volume, LiDAR
845 m³
Parcel 34038A0206/00F000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BramV
since 20152.250.280.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038A0206/00F000 | Flanders | 1,531 m² | 1 · 171 m² | 7.0 m · 2 fl. |
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.
Structure & network
Owners and holdings
1 holdingOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 1
-
50%
According to the 2025 annual accounts of BramV and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,805. 7,172 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
Founded12-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
E-invoicing
Reachable via Peppol
Peppol ID
0208:0642832163
Also
9925:BE0642832163
Registered
19-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.