BRANDO

Active

Private limited companyfounded 20224 yrs activeSur les Heids 5, 4053 Chaudfontaine, BelgiumKBO/BCE: BE 0789.538.428

The computed 12-month bankruptcy probability of BRANDO is 1.7% (moderate). The 2025 annual accounts show equity of €65k and a net result of €-7k. Equity is shrinking by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 42% of 1285 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

15 / 100

Critical▼ -8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency7=

Growth58=

Stability94

Bankruptcy probability, 12 months

1.7% Moderate

0%0.5%1.5%4%10%≥ 25%

No credit on open account

Liquidity short (current ratio 0.1 against 0.08 in 2024), and 89.8% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

10.2%

Return on assets

-1.1%

Age of the figures

8 mo

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 55

Relative position

BE, all sectors

reference

Sector 55

higher

← fewer bankruptcies more bankruptcies →

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

22232425

2022 to 2025 · latest year -€7k

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 4 filings

Deviation from the deadline

2025

17 d late

2024

382 d late

2023

289 d late

2022

31 d late

← before the deadline after the deadline →

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 months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€65k▼ 9.6%

2024 · €71k

2022: €107k 2023: €75k 2024: €71k

2022 → 2025

Total assets

€632k▼ 4.0%

2024 · €658k

2022: €713k 2023: €682k 2024: €658k

2022 → 2025

Net result

€-7k▼ 80.7%

2024 · €-4k

2022: €-93k 2023: €-32k 2024: €-4k

2022 → 2025

Working capital

€-231k▲ 0.6%

2024 · €-233k

2022: €-155k 2023: €-220k 2024: €-233k

2022 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line2022202320242025Trend

Equity€107k-€75k▼ 29.9%€71k▼ 5.0%€65k▼ 9.6%

Operating result€-80k-€-1k▲ 98.1%€24k€18k▼ 23.8%

Net result€-93k-€-32k▲ 65.4%€-4k▲ 88.2%€-7k▼ 80.7%

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 24% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €632k

95.9%

Fixed assets €606k▼ 5.0%

Current assets €26k▲ 27.3%

Equity and liabilities €632k

10%

89.8%

Equity €65k▼ 9.6%

Debt €568k▼ 3.3%

The debt ratio rises from 89.2% to 89.8%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€50k▼

2024 · €54k

Cash flow

€25k▼

2024 · €27k

Solvency

10.2%▼

2024 · 10.8%

Current ratio

0.10▲

2024 · 0.08

Quick ratio

0.10▲

2024 · 0.08

Debt / equity

8.80▲

2024 · 8.23

ROE

-10.6%▼

2024 · -5.3%

ROA

-1.1%▼

2024 · -0.6%

Interest coverage

1.99▲

2024 · 1.97

Debt

€568k▼

2024 · €587k

Debt ≤ 1 year

€257k▲

2024 · €253k

Debt > 1 year

€310k▼

2024 · €334k

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€658k€632k▼

Fixed assets21/28€638k€606k▼

Tangible fixed assets22/27€638k€606k▼

Land and buildings22€637k€606k▼

Furniture and vehicles24€1k€772▼

Current assets29/58€20k€26k▲

Amounts receivable within one year40/41€5k€9k▲

Trade receivables40€5k€8k▲

Other amounts receivable41€472€2k▲

Cash at bank and in hand54/58€15k€17k▲

Equity and liabilities

Total equity and liabilities10/49€658k€632k▼

Equity10/15€71k€65k▼

Contributions10/11€200k€200k=

Profit (loss) carried forward14€-129k€-135k▼

Amounts payable17/49€587k€568k▼

Amounts payable after more than one year17€334k€310k▼

Financial debts170/4€334k€310k▼

Amounts payable within one year42/48€253k€257k▲

Current portion of amounts payable after more than one year42€23k€24k▲

Trade debts44€9k€9k▲

Suppliers440/4€9k€9k▲

Taxes, remuneration and social security45€11k€15k▲

Taxes450/3€11k€15k▲

Other amounts payable47/48€211k€210k▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€32k▲

Other operating charges640/8€3k€4k▲

Gross operating margin9900€57k€54k▼

Operating profit (loss)9901€24k€18k▼

Financial charges65/66B€28k€25k▼

Recurring financial charges65€28k€25k▼

Profit (loss) for the period before taxes9903€-4k€-7k▼

Profit (loss) for the period9904€-4k€-7k▼

Profit (loss) for the period to be appropriated9905€-4k€-7k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-129k€-135k▼

Profit (loss) brought forward from the previous period14P€-125k€-129k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Filings 4

Next filing, fiscal year 2026, expected by 31-07-2027

2026

17-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 17 days late

17-08

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 382 days late

2025

16-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 289 days late

2023

31-08

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 31 days late

NBB filing

Directors · office · real estate

Directors

1 act for this company is 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, Chaudfontaine

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.

Sur les Heids 54053 Chaudfontaine

Ground area

695 m²

Building footprint

130 m²

Volume, LiDAR

873 m³

Parcel 62030A0498/00N000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
62030A0498/00N000	Wallonia	695 m²	1 · 130 m²	8.9 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.

Similar companies · same sector, comparable size

Mont-Saint-Guibert · Eq €65k

Of 2,995 companies in sector 55203 we hold annual accounts for 687. 505 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded10-08-2022

Fiscal year end31-12

Activities, NACEBEL

55203Holiday cottages, homes and apartments

55204Guest rooms (bed and breakfast)

55209Other holiday and short-stay accommodation

56102Limited-service restaurants

56112Limited-service restaurants, excluding mobile food services

82300Organisation of conventions and trade shows

93299Other amusement and recreation activities

Sources

Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers

Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.