Summary
BREGIMA 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 €572,764 and a net result of €204,726. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 60% of 8091 sector peers (fiscal year 2025). The company has been active since 2005 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 05-03-2026, 148 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
148 d early
2024
21 d early
2023
27 d early
2022
17 d early
2021
34 d early
2020
22 d early
2019
11 d late
← 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 37 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 5 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€572,764▼ 13.1%
2024 · €658,740
Net result
€204,726▲ 49.6%
2024 · €136,844
Total assets
€905,184▲ 17.9%
2024 · €767,594
Solvency
63.3%▼ 22.5pp
2024 · 85.8%
Trend over the years
Click a name to add, emphasise or remove a line.Band: 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.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€159,042▼ 21.3%€147,764▼ 7.1%€171,082▲ 15.8%€164,978▼ 3.6%€286,729▲ 73.8%
Net result€121,764above the sector's middle half▼ 27.2%€102,571above the sector's middle half▼ 15.8%€115,815above the sector's middle half▲ 12.9%€136,844above the sector's middle half▲ 18.2%€204,726above the sector's middle half▲ 49.6%
Equity€548,687above the sector's middle half▼ 15.3%€649,658above the sector's middle half▲ 18.4%€588,835above the sector's middle half▼ 9.4%€658,740above the sector's middle half▲ 11.9%€572,764above the sector's middle half▼ 13.1%
Total assets€788,952within the sector's middle half▼ 3.1%€673,919within the sector's middle half▼ 14.6%€797,208within the sector's middle half▲ 18.3%€767,594within the sector's middle half▼ 3.7%€905,184above the sector's middle half▲ 17.9%
Debt€240,265▲ 44.7%€24,262▼ 89.9%€208,373▲ 759%€108,854▼ 47.8%€332,420▲ 205%
Working capital€538,868above the sector's middle half▼ 15.0%€633,876above the sector's middle half▲ 17.6%€515,216above the sector's middle half▼ 18.7%€602,199above the sector's middle half▲ 16.9%€535,942above the sector's middle half▼ 11.0%
Solvency69.5%within the sector's middle half▼ 10.1pp96.4%above the sector's middle half▲ 26.9pp73.9%within the sector's middle half▼ 22.5pp85.8%above the sector's middle half▲ 12.0pp63.3%within the sector's middle half▼ 22.5pp
Current ratio3.24within the sector's middle half▼ 1.5827.13above the sector's middle half▲ 23.883.47within the sector's middle half▼ 23.656.53above the sector's middle half▲ 3.062.61within the sector's middle half▼ 3.92
Return on assets (ROA)15.4%within the sector's middle half▼ 5.1pp15.2%within the sector's middle half▼ 0.2pp14.5%within the sector's middle half▼ 0.7pp17.8%within the sector's middle half▲ 3.3pp22.6%within the sector's middle half▲ 4.8pp
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 recovers in 2025; 2025 is 74% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €905,184
Fixed assets
€36,822 ▼ 34.9%
Current assets
€868,362 ▲ 22.1%
Equity and liabilities €905,184
Equity
€572,764 ▼ 13.1%
Debt
€332,420 ▲ 205%
Debt's share of the balance-sheet total rises from 14.2% to 36.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
35.7%▲
2024 · 20.8%
Debt ≤ 1 year
€332,420▲
2024 · €108,854
Income taxes
€96,767▲
2024 · €63,520
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 |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €15,670 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,257 | €3,359 | €7,754 | €19,956 | €12,888 | ▼ 35.4% |
| Other operating charges640/8 | €2,038 | €2,317 | €1,931 | €2,108 | €852 | ▼ 59.6% |
| Gross operating margin9900 | €165,337 | €153,440 | €180,767 | €187,043 | €300,470 | ▲ 60.6% |
| Operating profit (loss)9901 | €159,042 | €147,764 | €171,082 | €164,978 | €286,729 | ▲ 73.8% |
| Financial income75/76B | €21,914 | €4,829 | €7,105 | €36,477 | €15,675 | ▼ 57.0% |
| Recurring financial income75 | €21,914 | €4,829 | €7,105 | €36,477 | €15,675 | ▼ 57.0% |
| Financial charges65/66B | €2,054 | €1,701 | €1,163 | €1,091 | €911 | ▼ 16.5% |
| Recurring financial charges65 | €2,054 | €1,701 | €1,163 | €1,091 | €911 | ▼ 16.5% |
| Profit (loss) for the period before taxes9903 | €178,902 | €150,892 | €177,023 | €200,364 | €301,493 | ▲ 50.5% |
| Income taxes67/77 | €57,138 | €48,321 | €61,209 | €63,520 | €96,767 | ▲ 52.3% |
| Profit (loss) for the period9904 | €121,764 | €102,571 | €115,815 | €136,844 | €204,726 | ▲ 49.6% |
| Profit (loss) for the period to be appropriated9905 | €121,764 | €102,571 | €115,815 | €136,844 | €204,726 | ▲ 49.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €788,952 | €673,919 | €797,208 | €767,594 | €905,184 | ▲ 17.9% |
| Fixed assets21/28 | €9,818 | €15,781 | €73,618 | €56,541 | €36,822 | ▼ 34.9% |
| Tangible fixed assets22/27 | €9,818 | €15,781 | €73,618 | €56,541 | €36,822 | ▼ 34.9% |
| Plant, machinery and equipment23 | - | - | €0 | €0 | €0 | - |
| Furniture and vehicles24 | €1,721 | €2,374 | €63,304 | €47,125 | €29,265 | ▼ 37.9% |
| Other tangible fixed assets26 | €8,098 | €13,408 | €10,314 | €9,416 | €7,557 | ▼ 19.7% |
| Current assets29/58 | €779,133 | €658,138 | €723,590 | €711,053 | €868,362 | ▲ 22.1% |
| Amounts receivable within one year40/41 | €40,830 | €32,773 | €33,596 | €40,021 | €31,849 | ▼ 20.4% |
| Trade receivables40 | €29,645 | €29,645 | €33,596 | €35,021 | €30,855 | ▼ 11.9% |
| Other amounts receivable41 | €11,185 | €3,128 | - | €5,000 | €994 | ▼ 80.1% |
| Current investments50/53 | €190,570 | €250,570 | €460,570 | €546,386 | €397,889 | ▼ 27.2% |
| Cash at bank and in hand54/58 | €535,650 | €368,225 | €221,804 | €119,519 | €437,203 | ▲ 266% |
| Deferred charges and accrued income490/1 | €12,083 | €6,570 | €7,619 | €5,127 | €1,421 | ▼ 72.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €788,952 | €673,919 | €797,208 | €767,594 | €905,184 | ▲ 17.9% |
| Equity10/15 | €548,687 | €649,658 | €588,835 | €658,740 | €572,764 | ▼ 13.1% |
| Contributions10/11 | €12,400 | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Reserves13 | €536,287 | €637,258 | €576,435 | €646,340 | €560,364 | ▼ 13.3% |
| Non-distributable reserves130/1 | €1,855 | €1,855 | - | - | - | - |
| Reserves not available under the articles1311 | €1,855 | €1,855 | - | - | - | - |
| Tax-exempt reserves132 | €193 | €193 | €193 | €193 | €193 | = |
| Distributable reserves133 | €534,239 | €635,210 | €576,242 | €646,147 | €560,171 | ▼ 13.3% |
| Amounts payable17/49 | €240,265 | €24,262 | €208,373 | €108,854 | €332,420 | ▲ 205% |
| Amounts payable within one year42/48 | €240,265 | €24,262 | €208,373 | €108,854 | €332,420 | ▲ 205% |
| Trade debts44 | €3,643 | €8,197 | €2,458 | €3,849 | €5,260 | ▲ 36.6% |
| Suppliers440/4 | €3,643 | €8,197 | €2,458 | €3,849 | €5,260 | ▲ 36.6% |
| Taxes, remuneration and social security45 | €15,622 | €5,537 | €22,106 | €33,910 | €36,458 | ▲ 7.5% |
| Taxes450/3 | €15,622 | €3,537 | €20,106 | €31,910 | €34,458 | ▲ 8.0% |
| Remuneration and social security454/9 | - | €2,000 | €2,000 | €2,000 | €2,000 | = |
| Other amounts payable47/48 | €220,999 | €10,528 | €183,809 | €71,095 | €290,703 | ▲ 309% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €121,764 | €102,571 | €115,815 | €136,844 | €204,726 | ▲ 49.6% |
| + Depreciation and write-downs630 | €4,257 | €3,359 | €7,754 | €19,956 | €12,888 | ▼ 35.4% |
| Operating cash flow (approximation) | €126,021 | €105,930 | €123,568 | €156,800 | €217,615 | ▲ 38.8% |
| Investment in fixed assets (approximation) | - | -€9,322 | -€65,591 | -€2,879 | €6,830 | ▲ 337% |
| Change in cash | - | -€167,425 | -€146,421 | -€102,285 | €317,684 | ▲ 411% |
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
05-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €204,726 ▲49.6%
Operating result €286,729, net result €204,726, both a record.
12-12
State Gazette act
General meeting · Capital
Capital increase · Corporate purpose
01-12
State Gazette act
General meeting · Auditor reappointment
Director reappointment · Permanent representative
01-12
State Gazette act
General meeting · Board meeting
Auditor reappointment · Director reappointment
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 8current ratio 27.13
Current ratio from 3.24 to 27.13; short-term debt falls from €240,265 to €24,262.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 11 days late
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €84,902 ▼51%
Net result drops to €84,902, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
23-07
State Gazette act
General meeting · Director reappointment
Permanent representative · Board meeting
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
2012
20-09
State Gazette act
General meeting · Share cancellation
Reserve release · Director resignation
Financial milestoneState Gazette actNBB 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, Dilsen-Stokkem · 1 establishment unit since 2005
Ground area
1,260 m²
Building footprint
176 m²
Volume, LiDAR
730 m³
Parcel 72005A0729/00C004, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BREGIMA
since 20052.145.094.226
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005A0729/00C004 | Flanders | 1,260 m² | 1 · 176 m² | 8.7 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
Connections & network
1 connected companyThe connected companies are in the list below.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, scroll to zoom.
Linked via shared directors
VKW LIMBURG
Shared director
→
Ownership & control
2 board mandatesBoard mandates of this companythis company sits on their board2
1 location
1 location
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Of 93 companies in sector 64922 we hold annual accounts for 75. 37 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
Founded05-01-2005
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0870995860
Also
9925:BE0870995860
Registered
06-12-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.