Brera MH

Active

Private limited companyfounded 20215 yrs activeStapelstraat 22, 3800 Sint-Truiden, BelgiumKBO/BCE: BE 0772.397.142

The computed 12-month bankruptcy probability of Brera MH is 1.8% (moderate). The 2024 annual accounts show equity of €479k and a net result of €167k. Equity is growing by ~46% per year across the filed fiscal years. Its solvency ranks better than 82% of 9623 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

Watch Print / PDF

Checked score

Score 2024

81 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability99▼-1

Solvency95▲+5

Growth52=

Track record94

Bankruptcy probability, 12 months

1.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €35k at 30 days acceptable

Liquidity ample (current ratio 3.83 against 3.15 in 2023; short-term debt: 22.3% of total assets), and 29.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2024

Solvency, return and age of the figures

Solvency

70.3%

Return on assets

24.5%

Age of the figures

21 mo

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-08-2025, 18 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 · 3 filings

Deviation from the deadline

2025

not confirmed

2024

18 d late

2023

20 d late

2022

28 d late

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, abbreviated schema

Equity

€479k▲ 53.4%

2023 · €312k

2022: €191k 2023: €312k

2022 → 2024

Total assets

€681k▲ 41.6%

2023 · €481k

2022: €488k 2023: €481k

2022 → 2024

Net result

€167k▲ 38.1%

2023 · €121k

2022: €186k 2023: €121k

2022 → 2024

Working capital

€430k▲ 68.4%

2023 · €256k

2022: €125k 2023: €256k

2022 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202220232024Trend

Equity€191k-€312k▲ 63.1%€479k▲ 53.4%

Operating result€235k-€156k▼ 33.7%€221k▲ 41.8%

Net result€186k-€121k▼ 35.2%€167k▲ 38.1%

Turnover and EBIT margin not published: the abbreviated schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result recovers in 2024; 2024 is 42% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €681k

14.4%

85.6%

Fixed assets €98k▼ 7.7%

Current assets €582k▲ 55.6%

Equity and liabilities €681k

70.3%

29.7%

Equity €479k▲ 53.4%

Debt €202k▲ 19.7%

The debt ratio falls from 35.1% to 29.7%. Equity and debt are higher.

Key figures and ratios

2024 value · change against 2023

EBITDA

€247k▲

2023 · €176k

Cash flow

€193k▲

2023 · €141k

Solvency

70.3%▲

2023 · 64.9%

Current ratio

3.83▲

2023 · 3.15

Quick ratio

1.93▲

2023 · 1.43

Debt / equity

0.42▼

2023 · 0.54

ROE

34.8%▼

2023 · 38.7%

ROA

24.5%▼

2023 · 25.1%

Interest coverage

298.78▲

2023 · 181.01

Debt

€202k▲

2023 · €169k

Debt ≤ 1 year

€152k▲

2023 · €119k

Debt > 1 year

€50k=

2023 · €50k

Income taxes

€54k▲

2023 · €38k

Staff costs

€87k▼

2023 · €87k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€481k€681k▲

Fixed assets21/28€107k€98k▼

Tangible fixed assets22/27€98k€89k▼

Land and buildings22€17k€15k▼

Plant, machinery and equipment23€8k€15k▲

Furniture and vehicles24€73k€60k▼

Financial fixed assets28€9k€9k=

Current assets29/58€374k€582k▲

Stocks and contracts in progress3€205k€289k▲

Stocks30/36€205k€289k▲

Amounts receivable within one year40/41€84k€77k▼

Trade receivables40€73k€68k▼

Other amounts receivable41€10k€9k▼

Current investments50/53-€215k

Cash at bank and in hand54/58€85k-

Deferred charges and accrued income490/1€1k€1k▲

Equity and liabilities

Total equity and liabilities10/49€481k€681k▲

Equity10/15€312k€479k▲

Contributions10/11€5k€5k=

Reserves13€307k€474k▲

Distributable reserves133€307k€474k▲

Amounts payable17/49€169k€202k▲

Amounts payable after more than one year17€50k€50k=

Financial debts170/4€50k€50k=

Amounts payable within one year42/48€119k€152k▲

Trade debts44€81k€111k▲

Suppliers440/4€81k€111k▲

Taxes, remuneration and social security45€38k€41k▲

Taxes450/3€29k€33k▲

Remuneration and social security454/9€8k€8k▲

Accrued charges and deferred income492/3€8-

Income statement Code20232024

Remuneration, social security and pensions62€87k€87k▼

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€27k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€45k€56k▲

Other operating charges640/8€2k€2k▼

Gross operating margin9900€311k€391k▲

Operating profit (loss)9901€156k€221k▲

Financial income75/76B€4k€1k▼

Recurring financial income75€4k€1k▼

Financial charges65/66B€974€827▼

Recurring financial charges65€974€827▼

Profit (loss) for the period before taxes9903€159k€221k▲

Income taxes67/77€38k€54k▲

Profit (loss) for the period9904€121k€167k▲

Profit (loss) for the period to be appropriated9905€121k€167k▲

Appropriation of the result

Profit (loss) to be appropriated9906€121k€167k▲

Transfer to equity691/2€121k€167k▲

To other reserves6921€121k€167k▲

Social balance

Average headcount (FTE)90872.02.0=

The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 6Financial 3Filings 3

2025

18-08

NBB filing Annual accounts filed

fiscal year 2024 · abbreviated schema · 18 days late

2024

20-08

NBB filing Annual accounts filed

fiscal year 2023 · abbreviated schema · 20 days late

2023

31-12

Financial Weakest financial yearnet €121k ▼35.2%

Net result drops to €121k, the lowest in the series; recovery starts the following year.

31-12

Financial Liquidity doublescurrent ratio 3.15

Current ratio from 1.51 to 3.15; short-term debt falls from €247k to €119k.

31-12

Financial Equity above €200kEq €312k ▲63.1%

2 profitable years in a row build equity to €312k.

28-08

NBB filing Annual accounts filed

fiscal year 2022 · abbreviated schema · 28 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, Sint-Truiden · 1 establishment unit since 2021

establishment The establishment unit on the map

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.

Stapelstraat 223800 Sint-Truiden

Ground area

453 m²

Building footprint

417 m²

Volume, LiDAR

5,256 m³

Parcel 71053H0877/00C002, Flanders · tallest building 15.9 m, ±5 floors. Linked by address, not a title deed.

1 establishment unit

BRERA MH

Stapelstraat 22, 3800 Sint-TruidenAgents in the wholesale of textiles, clothing, fur, footwear and leather goods

since 20212.320.282.758

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
71053H0877/00C002	Flanders	452 m²	1 · 417 m²	15.9 m · 5 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

Heist-op-den-Berg · Eq €482k

Of 2,211 companies in sector 47711 we hold annual accounts for 889. 518 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded09-08-2021

Fiscal year end31-12

Activities, NACEBEL

47711Retail sale of women's outerwear

47712Retail trade

46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods

46423Wholesale of clothing, excluding workwear and underwear

46425Wholesale trade

47713Retail trade

47714Retail trade

47715Retail trade

47716Retail sale of clothing and accessories for women, men, children and babies (general range)

47722Retail trade

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.