Debts
Of this, €116,489 falls due within a year.
Of this, €116,489 falls due within a year.
The last five annual accounts were filed 6 to 21 days before the end of the period.
Lower solvency than 86% of companies in construction of buildings. Sector median 42.9% · 9,456 companies.
The dashed line is the sector median: 1.5% across 13,458 companies (NACE 41, micro).
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 41, micro). It does better than 13% of them on solvency, 12% on liquidity, 30% on profitability and 90% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the moderate class on 30-06-2025, 2.4% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 1,375 companies had the same profile as BRE - VER has now. Each dot stands for 4 companies, two years later.
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BRE - VER itself: 1.6% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,375 companies, not a prediction for BRE - VER. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 11 days before the deadline. In the sector (NACE 41), the median for financial year 2024 was on the deadline day, and 46% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| BRE - VER Staden | €153,500 | €5,702 | 3.0% | - |
| BEckers VERbouwingen Diest | €154,226 | €5,370 | 65.2% | - |
| IC Rénov Humidité Mons | €151,203 | €5,128 | 67.2% | - |
| DECORUS Woluwe-Saint-Lambert | €166,819 | €7,178 | 31.1% | - |
| Bouwplek Londerzeel | €188,025 | €6,390 | 87.7% | - |
| CIC SERVICES Andenne | €155,914 | €6,754 | -17.1% | - |
| CORD Kuurne | €187,844 | €8,339 | -11.3% | - |
These companies have the same main activity as BRE - VER: general construction of residential buildings (NACE 41001). They are comparable in size and age: total assets between €151,000 and €188,000, founded between 2013 and 2016.
BRE - VER files the micro format. That format states no turnover. The gross margin rose from -€32,525 in 2016 to €5,702 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €69,000. Estimated: probably between €36,000 and €120,000.
Amounts without an identifiable currency are taken as euros.
Higher than 14% of 9,456 companies in 2025.
Higher than 31% of 9,204 companies in 2025.
Higher than 33% of 9,276 companies in 2025.
Net result: middle half · Equity: bottom quarter · Balance sheet total: middle half · Working capital: middle half
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet: assets | |||||||||||
20/58 |
153,500 | 104,311 | 98,578 | 107,632 | 65,716 | 60,112 | 7,606 | 9,131 | 9,131 | 8,919 | |
20 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
21/28 |
15,115 | 17,220 | 24,111 | 11,168 | 17,550 | 23,931 | - | - | - | 293 | |
21 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
22/27 |
15,115 | 17,220 | 24,111 | 11,168 | 17,550 | 23,931 | - | - | - | 293 | |
22 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
23 |
15,115 | 17,220 | 19,325 | - | - | - | 0 | 0 | 0 | 293 | |
24 |
- | 0 | 4,786 | 11,168 | 17,550 | 23,931 | 0 | 0 | 0 | - | |
26 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
27 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
28 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
29/58 |
138,386 | 87,092 | 74,467 | 96,464 | 48,166 | 36,181 | 7,606 | 9,131 | 9,131 | 8,626 | |
290 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
291 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
3 |
38,522 | 15,025 | 15,025 | 4,173 | - | - | 0 | 0 | 0 | - | |
30/36 |
22,839 | 15,025 | 15,025 | 4,173 | - | - | 0 | 0 | 0 | - | |
37 |
15,684 | - | - | - | - | - | 0 | 0 | 0 | - | |
40/41 |
90,293 | 51,003 | 54,826 | 61,080 | 19,391 | 14,865 | - | 9,098 | 9,098 | 8,581 | |
40 |
85,850 | 39,661 | 40,486 | 53,837 | 12,342 | 9,069 | 0 | 0 | 0 | - | |
41 |
4,443 | 11,342 | 14,340 | 7,242 | 7,049 | 5,796 | 0 | 9,098 | 9,098 | 8,581 | |
50/53 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
54/58 |
7,090 | 20,345 | 1,330 | 23,738 | 25,866 | 19,842 | 7,606 | 33 | 33 | 45 | |
490/1 |
2,480 | 718 | 3,286 | 7,474 | 2,909 | 1,474 | 0 | 0 | 0 | - | |
| Balance sheet: equity and liabilities | |||||||||||
10/49 |
153,500 | 104,311 | 98,578 | 107,632 | 65,716 | 60,112 | 7,606 | 9,131 | 9,131 | 8,919 | |
10/15 |
4,579 | 2,116 | 23,266 | 37,531 | 24,244 | 18,237 | -3,986 | -30,163 | -27,918 | -23,641 | |
10/11 |
12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | 12,400 | |
100 |
- | - | - | - | - | - | 18,600 | 18,600 | 18,600 | 18,600 | |
101 |
- | - | - | - | - | - | 6,200 | 6,200 | 6,200 | 6,200 | |
11 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
1100/10 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
12 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
13 |
25,131 | 25,131 | 25,131 | 25,131 | 11,844 | 5,837 | - | - | - | - | |
130 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
1312 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
1319 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
132 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
133 |
25,131 | 25,131 | 25,131 | 25,131 | 11,844 | 5,837 | 0 | 0 | 0 | - | |
14 |
-32,952 | -35,414 | -14,265 | - | - | - | -16,386 | -42,563 | -40,318 | -36,041 | |
15 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
160/5 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
160 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
161 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
162 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
163 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
164/5 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
168 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
17/49 |
148,921 | 102,195 | 75,313 | 70,102 | 41,472 | 41,875 | 11,593 | 39,294 | 37,049 | 32,560 | |
17 |
31,299 | 31,299 | 31,299 | 31,299 | 31,299 | 31,299 | - | - | - | - | |
170/4 |
31,299 | 31,299 | 31,299 | 31,299 | 31,299 | 31,299 | - | - | - | - | |
175 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
176 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
178/9 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
42/48 |
116,489 | 61,254 | 43,988 | 38,025 | 9,993 | 10,284 | 11,593 | 39,294 | 37,049 | 32,560 | |
42 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
430/8 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
439 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
44 |
66,470 | 26,373 | 29,752 | 23,095 | 1,580 | 2,677 | 1,141 | 244 | 95 | - | |
440/4 |
66,470 | 26,373 | 29,752 | 23,095 | 1,580 | 2,677 | 1,141 | 244 | 95 | - | |
441 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
46 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
45 |
2,014 | 19,820 | 7,752 | 9,498 | 3,606 | 3,600 | 7,498 | - | - | - | |
450/3 |
2,014 | 2,320 | 7,752 | 7,748 | 1,856 | 1,050 | 7,498 | 0 | 0 | - | |
454/9 |
0 | 17,500 | 0 | 1,750 | 1,750 | 2,550 | 0 | 0 | 0 | - | |
47/48 |
48,004 | 15,062 | 6,484 | 5,432 | 4,807 | 4,007 | 2,954 | 39,050 | 36,954 | 32,560 | |
492/3 |
1,134 | 9,642 | 25 | 777 | 179 | 292 | 0 | 0 | 0 | - | |
| Income statement | |||||||||||
70 |
- | - | - | - | - | - | - | - | 0 | - | |
76A |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
9900 |
5,702 | -11,866 | -3,570 | 28,443 | 18,058 | 38,113 | 34,460 | -1,897 | -3,439 | -32,525 | |
60/61 |
- | - | - | - | - | - | - | - | 0 | - | |
62 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
630 |
2,105 | 6,891 | 8,107 | 6,382 | 6,382 | 7,977 | 0 | 0 | 293 | 2,709 | |
631/4 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
635/8 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
640/8 |
629 | 577 | 563 | 535 | 585 | 804 | 8,224 | 348 | 534 | 784 | |
649 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
66A |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
9901 |
2,968 | -19,335 | -12,240 | 21,526 | 11,092 | 29,332 | 26,236 | -2,245 | -4,266 | -36,018 | |
75/76B |
1,008 | 1 | 14 | 10 | - | - | 0 | 0 | 0 | 2 | |
75 |
1,008 | 1 | 14 | 10 | - | - | 0 | 0 | 0 | 2 | |
76B |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
65/66B |
1,316 | 1,629 | 1,868 | 2,302 | 1,528 | 745 | 60 | 0 | 11 | 25 | |
65 |
1,316 | 1,629 | 1,868 | 2,302 | 1,528 | 745 | 60 | 0 | 11 | 25 | |
66B |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
9903 |
2,660 | -20,963 | -14,094 | 19,234 | 9,563 | 28,587 | 26,176 | -2,245 | -4,277 | -36,041 | |
67/77 |
198 | 187 | 170 | 5,948 | 3,556 | 6,364 | 0 | 0 | 1 | - | |
9904 |
2,463 | -21,149 | -14,265 | 13,286 | 6,007 | 22,223 | 26,176 | -2,245 | -4,277 | -36,041 | |
789 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
689 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
9905 |
2,463 | -21,149 | -14,265 | 13,286 | 6,007 | 22,223 | 26,176 | -2,245 | -4,277 | -36,041 | |
| Appropriation of the result | |||||||||||
9906 |
-32,952 | -35,414 | -14,265 | 13,286 | 6,007 | 5,837 | -16,386 | -42,563 | -40,318 | -36,041 | |
14P |
-35,414 | -14,265 | - | - | - | - | - | - | - | - | |
791/2 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
691/2 |
- | - | 0 | 13,286 | 6,007 | 5,837 | - | - | - | - | |
691 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
6920 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
6921 |
- | - | 0 | 13,286 | 6,007 | 5,837 | 0 | 0 | 0 | - | |
694 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
695 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
696 |
- | - | - | - | - | - | 0 | 0 | 0 | - | |
| Document | |||||||||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 24-07-2026.
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2025 | micro format | 24-07-2026 | 2026-00325495 | |
| 31-12-2024 | micro format | 25-07-2025 | 2025-00308790 | |
| 31-12-2023 | micro format | 10-07-2024 | 2024-00234353 | |
| 31-12-2022 | micro format | 20-07-2023 | 2023-00253734 | |
| 31-12-2021 | abbreviated format | 15-07-2022 | 2022-20193626 | |
| 31-12-2020 | abbreviated format | 20-07-2021 | 2021-38000050 | |
| 30-09-2019 | abbreviated format | 28-04-2020 | 2020-10900271 | |
| 30-09-2018 | full format | 25-04-2019 | 2019-11200344 | |
| 30-09-2017 | full format | 26-04-2018 | 2018-11100177 | |
| 30-09-2016 | full format | 28-04-2017 | 2017-10500367 |
| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 5,073 | -12,443 | -4,133 | 27,908 | 17,473 | 37,309 | 26,236 | -2,245 | -3,973 | -33,309 | ||
| 4,568 | -14,258 | -6,158 | 19,668 | 12,389 | 30,200 | 26,176 | -2,245 | -3,984 | -33,331 | ||
| 0 | 0 | 21,050 | 0 | 0 | 31,908 | 0 | 0 | 0 | 3,002 | ||
| -13,255 | 19,015 | -22,408 | -2,129 | 6,025 | 12,235 | 7,573 | 0 | -12 | - | ||
| 21,897 | 25,837 | 30,479 | 58,439 | 38,173 | 25,897 | -3,986 | -30,163 | -27,918 | -23,934 | ||
| 3.0% | 2.0% | 23.6% | 34.9% | 36.9% | 30.3% | -52.4% | -330.3% | -305.7% | -265.1% | ||
| 1.19 | 1.42 | 1.69 | 2.54 | 4.82 | 3.52 | 0.66 | 0.23 | 0.25 | 0.26 | ||
| 0.86 | 1.18 | 1.35 | 2.43 | 4.82 | 3.52 | 0.66 | 0.23 | 0.25 | 0.26 | ||
| 32.52 | 48.29 | 3.24 | 1.87 | 1.71 | 2.30 | - | - | - | - | ||
| 53.8% | -999.4% | -61.3% | 35.4% | 24.8% | 121.9% | - | - | - | - | ||
| 1.6% | -20.3% | -14.5% | 12.3% | 9.1% | 37.0% | 344.1% | -24.6% | -46.8% | -404.1% | ||
| 3.85 | -7.64 | -2.21 | 12.12 | 11.43 | - | - | - | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Tangible fixed assets | - | - | €21,050 | - | - |
| €2,105 | €6,891 | €8,107 | €6,382 | €6,382 |
Source: notes to the 2021 to 2025 annual accounts (statement of fixed assets)
The operating result for 2025 is a profit of €2,968, after a loss of €19,335 in 2024. It is the highest result since 2022.
Debt's share of the balance-sheet total falls from 98.0% to 97.0%. Equity and debt are higher.
BRE - VER has no parent and no holdings in its annual accounts. VERHALLEMAN Brecht Bert is the only director. BRE - VER shares no director with another company.
Deadline for the 2026 accounts: 31-07-2027
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
| Establishment | Since | Unit number |
|---|---|---|
| Westrozebekestraat 75+ registered office 8840 Staden | ||
| Westrozebekestraat 73 8840 Staden | 13-02-2015 | 2.240.790.862 |
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 36014A0510/00M002 | 521 m² | 1 · 283 m² | 7.0 m · 2 |
| 36014A0510/00F002 | 351 m² | - | - |
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 0597.975.603
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