Summary
Brelmo 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 €46k and a net result of €58k. Equity is growing by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health 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.
Credit check for your own amount and term
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
30 d late
2022
31 d late
2021
29 d late
2020
26 d late
2019
7 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
Equity
€46k▼ 57.2%
2024 · €107k
2019: €36k
2020: €63k
2021: €97k
2022: €125k
2023: €99k
2024: €107k
2019 → 2025
Net result
€58k▼ 13.6%
2024 · €67k
2019: €26k
2020: €29k
2021: €29k
2022: €29k
2023: €66k
2024: €67k
2019 → 2025
Total assets
€180k▼ 19.5%
2024 · €224k
2019: €94k
2020: €134k
2021: €165k
2022: €174k
2023: €126k
2024: €224k
2019 → 2025
Solvency
25.3%▼ 22.2pp
2024 · 47.5%
2019: 38.6%
2020: 47.5%
2021: 58.6%
2022: 72.0%
2023: 78.9%
2024: 47.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€125k▲ 29.5%€99k▼ 20.7%€107k▲ 7.3%€46k▼ 57.2%
Operating result€41k-€38k▼ 8.1%€88k▲ 133%€90k▲ 1.4%€80k▼ 10.2%
Net result€29k-€29k▼ 0.4%€66k▲ 130%€67k▲ 2.6%€58k▼ 13.6%
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 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€83k ▼ 21.5%
Current assets
€97k ▼ 17.7%
Equity and liabilities €180k
Equity
€46k ▼ 57.2%
Debt
€135k ▲ 14.5%
Debt's share of the balance-sheet total rises from 52.5% to 74.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
127.3%▲
2024 · 63.1%
ROA
32.2%▲
2024 · 30.0%
Debt ≤ 1 year
€79k▲
2024 · €41k
Debt > 1 year
€55k▼
2024 · €76k
Income taxes
€22k▼
2024 · €25k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€224k€180k▼
Fixed assets21/28€106k€83k▼
Tangible fixed assets22/27€106k€83k▼
Furniture and vehicles24€102k€80k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€118k€97k▼
Amounts receivable after more than one year29€23k€0▼
Other amounts receivable291€23k€0▼
Amounts receivable within one year40/41€41k€16k▼
Trade receivables40€15k€15k▲
Other amounts receivable41€26k€819▼
Current investments50/53-€43k
Cash at bank and in hand54/58€47k€34k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€224k€180k▼
Equity10/15€107k€46k▼
Contributions10/11€19k€19k=
Reserves13€88k€27k▼
Distributable reserves133€88k€27k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€118k€135k▲
Amounts payable after more than one year17€76k€55k▼
Financial debts170/4€76k€55k▼
Amounts payable within one year42/48€41k€79k▲
Current portion of amounts payable after more than one year42€20k€21k▲
Financial debts43-€1k
Other loans439-€1k
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€18k€9k▼
Taxes450/3€18k€9k▼
Other amounts payable47/48-€46k
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€24k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€105k€106k▲
Operating profit (loss)9901€90k€80k▼
Financial income75/76B€5k€2k▼
Recurring financial income75€5k€2k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€92k€80k▼
Income taxes67/77€25k€22k▼
Profit (loss) for the period9904€67k€58k▼
Profit (loss) for the period to be appropriated9905€67k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€67k€58k▼
Transfer from equity791/2€0€61k▲
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
Profit to be distributed694/7€60k€119k▲
Return on contributions (dividend)694€60k€119k▲
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €67k ▲2.6%
Operating result €90k, net result €67k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲7.3%
6 profitable years in a row build equity to €107k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €125k ▲29.5%
4 profitable years in a row build equity to €125k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
24-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Brakel · 1 establishment unit since 2019
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.
Gentsestraat 369660 BrakelGround area
3,784 m²
Building footprint
221 m²
Parcel 45056A0645/00W000, Flanders. Linked by address, not a title deed.
1 establishment unit
Brelmo
since 20192.283.949.924
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45056A0645/00W000 | Flanders | 3,784 m² | 1 · 221 m² | - |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 137 EUR awarded · 137 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 137 EUR | 137 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,151 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
Founded08-01-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
47120Other non-specialised retail sale
47511Retail trade
70100Activities of head offices
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.