BRANJObis
ActiveBRANJObis has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €-13k. Equity is shrinking by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 21% of 3112 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
38
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18=
Solvency29▼-2
Growth32=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.03 in 2024; short-term debt: 95.6% and cash: 0.9% of total assets), and 95.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 01
Relative position
BE, all sectors
reference
Sector 01
lower
← fewer bankruptcies
more bankruptcies →
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-13k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 3112 sector peers (2025).
NBB · sector comparisonPosition among 3112 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 filingsDeviation from the deadline
2025
30 d late
2024
31 d late
2023
19 d late
2022
31 d late
← 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
€100k▼ 11.9%
2024 · €113k
2022: €142k
2023: €129k
2024: €113k
2022 → 2025
Total assets
€2.27M▲ 13.7%
2024 · €2.00M
2022: €593k
2023: €626k
2024: €2.00M
2022 → 2025
Net result
€-13k▲ 14.1%
2024 · €-16k
2022: €-8k
2023: €-13k
2024: €-16k
2022 → 2025
Working capital
€-2.15M▼ 17.1%
2024 · €-1.84M
2022: €-412k
2023: €-456k
2024: €-1.84M
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€142k-€129k▼ 9.5%€113k▼ 12.2%€100k▼ 11.9%
Operating result€-8k-€-13k▼ 70.5%€-15k▼ 16.3%€-13k▲ 14.4%
Net result€-8k-€-13k▼ 72.4%€-16k▼ 16.4%€-13k▲ 14.1%
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 stays negative: a loss of €13k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.27M
Fixed assets
€2.25M▲ 15.3%
Current assets
€21k▼ 55.7%
Equity and liabilities €2.27M
Equity
€100k▼ 11.9%
Debt
€2.17M▲ 15.2%
The debt ratio rises from 94.3% to 95.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▲
2024 · €-8k
Cash flow
€-6k▲
2024 · €-9k
Solvency
4.4%▼
2024 · 5.7%
Current ratio
0.01▼
2024 · 0.03
Quick ratio
0.01▼
2024 · 0.03
Debt / equity
21.83▲
2024 · 16.70
ROE
-13.5%▲
2024 · -13.9%
ROA
-0.6%▲
2024 · -0.8%
Interest coverage
-26.12▲
2024 · -37.47
Debt
€2.17M▲
2024 · €1.89M
Debt ≤ 1 year
€2.17M▲
2024 · €1.89M
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€2.00M€2.27M▲
Fixed assets21/28€1.95M€2.25M▲
Tangible fixed assets22/27€1.95M€2.25M▲
Land and buildings22€506k€499k▼
Furniture and vehicles24€2k€2k▼
Assets under construction and advance payments27€1.45M€1.75M▲
Current assets29/58€47k€21k▼
Amounts receivable within one year40/41€13k€930▼
Trade receivables40€11k€0▼
Other amounts receivable41€2k€930▼
Cash at bank and in hand54/58€34k€20k▼
Equity and liabilities
Total equity and liabilities10/49€2.00M€2.27M▲
Equity10/15€113k€100k▼
Contributions10/11€150k€150k=
Profit (loss) carried forward14€-37k€-50k▼
Amounts payable17/49€1.89M€2.17M▲
Amounts payable within one year42/48€1.89M€2.17M▲
Trade debts44€149k€0▼
Suppliers440/4€149k€0▼
Taxes, remuneration and social security45€1k€0▼
Taxes450/3€1k€0▼
Other amounts payable47/48€1.74M€2.17M▲
Accrued charges and deferred income492/3€604€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-6k€-5k▲
Operating profit (loss)9901€-15k€-13k▲
Financial income75/76B€1€0▼
Recurring financial income75€1€0▼
Financial charges65/66B€223€234▲
Recurring financial charges65€223€234▲
Profit (loss) for the period before taxes9903€-16k€-13k▲
Profit (loss) for the period9904€-16k€-13k▲
Profit (loss) for the period to be appropriated9905€-16k€-13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-50k▼
Profit (loss) brought forward from the previous period14P€-21k€-37k▼
The notes to these accounts (6 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Peer · 1 establishment unit since 2022
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.
Kruisdijk 33990 PeerGround area
4,314 m²
Building footprint
271 m²
Volume, LiDAR
1,113 m³
Parcel 72030D0721/00Y003, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Kruisdijk 3, 3990 Peer
since 20222.334.194.538
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72030D0721/00Y003 | Flanders | 4,314 m² | 1 · 271 m² | 6.9 m · 1 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
GMB Horses
BE 0779.317.301
Malle · Eq €100k
PREMIUM CONSULTING
BE 0631.971.529
Aalter · Eq €101k
SHARINGS
BE 0765.362.365
Hoogstraten · Eq €101k
FLEURY HORSES
BE 0627.884.958
Mons · Eq €101k
Stal Ter Selle
BE 0729.539.473
Hechtel-Eksel · Eq €98k
Of 1,957 companies in sector 01430 we hold annual accounts for 743. 559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-05-2022
Fiscal year end31-12
Activities, NACEBEL
01430Raising of horses and other equines
68204Real estate activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.