BRE - VER
ActiveSummary
BRE - VER has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▲+53
Solvency28▲+1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
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 41
Relative position
BE, all sectors
reference
Sector 41
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
3%
Return on assets
1.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7453 sector peers (2025).
NBB · sector comparisonPosition among 7453 sector peers
Solvency
better than 14%
← weakest
strongest →
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
6 d early
2023
21 d early
2022
11 d early
2021
16 d early
2020
11 d early
2019
2 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€2k
2024 · €-21k
2018: €-4k
2019: €26k
2020: €22k
2021: €6k
2022: €13k
2023: €-14k
2024: €-21k
2018 → 2025
Working capital
€22k▼ 15.3%
2024 · €26k
2018: €-30k
2019: €-30k
2020: €26k
2021: €38k
2022: €58k
2023: €30k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€38k▲ 54.8%€23k▼ 38.0%€2k▼ 90.9%€5k▲ 116%
Operating result€11k-€22k▲ 94.1%€-12k€-19k▼ 58.0%€3k
Net result€6k-€13k▲ 121%€-14k€-21k▼ 48.3%€2k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €3k after a loss of €19k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €154k
Fixed assets
€15k ▼ 12.2%
Current assets
€138k ▲ 58.9%
Equity and liabilities €154k
Equity
€5k ▲ 116%
Debt
€149k ▲ 45.7%
Debt's share of the balance-sheet total falls from 98.0% to 97.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▲
2024 · €-12k
Cash flow
€5k▲
2024 · €-14k
Current ratio
1.19▼
2024 · 1.42
Quick ratio
0.86▼
2024 · 1.18
Debt to equity
32.52▼
2024 · 48.29
ROE
53.8%▲
2024 · -999.4%
ROA
1.6%▲
2024 · -20.3%
Interest coverage
3.85▲
2024 · -7.64
Debt ≤ 1 year
€116k▲
2024 · €61k
Debt > 1 year
€31k=
2024 · €31k
Income taxes
€198▲
2024 · €187
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€104k€154k▲
Fixed assets21/28€17k€15k▼
Tangible fixed assets22/27€17k€15k▼
Plant, machinery and equipment23€17k€15k▼
Furniture and vehicles24€0-
Current assets29/58€87k€138k▲
Stocks and contracts in progress3€15k€39k▲
Stocks30/36€15k€23k▲
Contracts in progress37-€16k
Amounts receivable within one year40/41€51k€90k▲
Trade receivables40€40k€86k▲
Other amounts receivable41€11k€4k▼
Cash at bank and in hand54/58€20k€7k▼
Deferred charges and accrued income490/1€718€2k▲
Equity and liabilities
Total equity and liabilities10/49€104k€154k▲
Equity10/15€2k€5k▲
Contributions10/11€12k€12k=
Reserves13€25k€25k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€-35k€-33k▲
Amounts payable17/49€102k€149k▲
Amounts payable after more than one year17€31k€31k=
Financial debts170/4€31k€31k=
Amounts payable within one year42/48€61k€116k▲
Trade debts44€26k€66k▲
Suppliers440/4€26k€66k▲
Taxes, remuneration and social security45€20k€2k▼
Taxes450/3€2k€2k▼
Remuneration and social security454/9€18k€0▼
Other amounts payable47/48€15k€48k▲
Accrued charges and deferred income492/3€10k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€2k▼
Other operating charges640/8€577€629▲
Gross operating margin9900€-12k€6k▲
Operating profit (loss)9901€-19k€3k▲
Financial income75/76B€1€1k▲
Recurring financial income75€1€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€-21k€3k▲
Income taxes67/77€187€198▲
Profit (loss) for the period9904€-21k€2k▲
Profit (loss) for the period to be appropriated9905€-21k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-33k▲
Profit (loss) brought forward from the previous period14P€-14k€-35k▼
The notes to these accounts (5 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity times 15current ratio 3.52
Current ratio from 0.23 to 3.52; short-term debt falls from €39k to €10k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
30-09
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-04
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 4 acts read
About the unread acts
We know of 4 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
4 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, Staden · 1 establishment unit since 2015
Ground area
872 m²
Building footprint
283 m²
Volume, LiDAR
1,383 m³
2 parcels, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRE - VER
since 20152.240.790.862
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014A0510/00M002 | Flanders | 521 m² | 1 · 283 m² | 7.0 m · 2 fl. |
| 36014A0510/00F002 | Flanders | 351 m² | - | - |
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.
Similar companies · same sector, comparable size
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BE 0823.392.913
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Schilde · Eq €4,575
ENTREPRISES JOSE BIERNAUX
BE 0425.819.013
Namur · Eq €4,573
Ilaam
BE 1020.408.722
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JURGEN RENOV
BE 0833.114.291
Frasnes-lez-Anvaing · Eq €4,566
Of 29,779 companies in sector 41001 we hold annual accounts for 16,036. 6,111 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
Founded13-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43211General electrical installation work
43221Plumbing work
43230Insulation installation
43320Joinery installation
43410Roofing work
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.