BRICCS
ActiveSummary
BRICCS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €199,308 and a net result of -€20,357. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 49% of 236 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2026
Axes · tick = 2025
Profitability40▲+30
Solvency52▲+4
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.22 in 2025; short-term debt: 72.8% and cash: 4.8% of total assets), and 72.8% of the assets are financed with debt.
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Signals
Three signals. The signal on the left, the evidence on the right.
+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2025 and 2026); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2026Net result per financial year
1920212223242526
2019 to 2026 · latest year -€20,357
neutral · Latest accounts filed on time
The financial year that closed on 31-01-2026 was due by 31-08-2026 and was filed on 24-08-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
7 d early
2025
24 d early
2024
18 d early
2023
20 d early
2022
37 d early
2021
15 d early
2020
35 d early
← 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 22 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 46% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-01-2027 close31-08-2027 deadline
History
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Financials · fiscal year 2026, abbreviated schema
Equity
€199,308▼ 9.3%
2025 · €219,665
Total assets
€732,504▼ 22.4%
2025 · €943,865
Net result
-€20,357▲ 76.8%
2025 · -€87,924
Working capital
€134,870▼ 6.8%
2025 · €144,748
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20222023202420252026
Operating result€56,057▼ 64.0%€18,761▼ 66.5%-€31,609-€60,028▼ 89.9%€2,507
Net result€35,542within the sector's middle half▼ 65.9%€3,097below the sector's middle half▼ 91.3%-€50,723below the sector's middle half-€87,924below the sector's middle half▼ 73.3%-€20,357▲ 76.8%
Equity€355,215within the sector's middle half▲ 11.1%€358,312within the sector's middle half▲ 0.9%€307,589within the sector's middle half▼ 14.2%€219,665within the sector's middle half▼ 28.6%€199,308▼ 9.3%
Total assets€1.1mwithin the sector's middle half▼ 2.8%€1.1mwithin the sector's middle half▲ 2.7%€1.0mwithin the sector's middle half▼ 9.2%€943,865within the sector's middle half▼ 6.9%€732,504▼ 22.4%
Debt€731,887▼ 8.4%€758,115▲ 3.6%€706,345▼ 6.8%€724,200▲ 2.5%€533,196▼ 26.4%
Working capital€376,867▼ 13.7%€364,123▼ 3.4%€236,054▼ 35.2%€144,748▼ 38.7%€134,870▼ 6.8%
Solvency32.7%within the sector's middle half▲ 4.1pp32.1%within the sector's middle half▼ 0.6pp30.3%within the sector's middle half▼ 1.8pp23.3%within the sector's middle half▼ 7.1pp27.2%▲ 3.9pp
Staff (FTE)7.8above the sector's middle half▲ 4.0%8.4above the sector's middle half▲ 7.7%7.3within the sector's middle half▼ 13.1%7within the sector's middle half▼ 4.1%6.8▼ 2.9%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2026: €2,507 after a loss of €60,028 in 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €732,504
Fixed assets
€64,438 ▼ 52.0%
Current assets
€668,066 ▼ 17.5%
Equity and liabilities €732,504
Equity
€199,308 ▼ 9.3%
Debt
€533,196 ▼ 26.4%
Debt's share of the balance-sheet total falls from 76.7% to 72.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€72,348▲
2025 · €11,381
Cash flow
€49,485▲
2025 · -€16,515
Current ratio
1.25▲
2025 · 1.22
Quick ratio
0.24▼
2025 · 0.40
Debt to equity
2.68▼
2025 · 3.30
ROE
-10.2%▲
2025 · -40.0%
ROA
-2.8%▲
2025 · -9.3%
Interest coverage
3.01▲
2025 · 0.38
Debt ≤ 1 year
€533,196▼
2025 · €664,837
Debt > 1 year
€0▼
2025 · €59,363
Staff costs
€260,841▼
2025 · €299,692
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,164 companies that looked in July 2024 the way this one looks now, 2.2% went bankrupt within 24 months and 94% are still going.
- Micro
- 10 to 20 years old
- solvency 10 to 30%
- a small loss
2.2%
went bankrupt
3.0%
stopped otherwise
94%
still going
A further 0.9% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.9% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,164 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,414 | - | €2,000 | - | - | - |
| Remuneration, social security and pensions62 | €262,782 | €294,181 | €265,097 | €299,692 | €260,841 | ▼ 13.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €65,451 | €64,513 | €67,187 | €71,409 | €69,842 | ▼ 2.2% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €4,532 | €345 | -€3,703 | €695 | -€387 | ▼ 156% |
| Other operating charges640/8 | €15,627 | €13,814 | €14,584 | €15,201 | €15,359 | ▲ 1.0% |
| Gross operating margin9900 | €404,448 | €391,615 | €311,556 | €326,970 | €348,162 | ▲ 6.5% |
| Operating profit (loss)9901 | €56,057 | €18,761 | -€31,609 | -€60,028 | €2,507 | ▲ 104% |
| Financial income75/76B | €9,866 | €4,702 | €2,062 | €2,049 | €1,156 | ▼ 43.6% |
| Recurring financial income75 | €9,866 | €4,702 | €2,062 | €2,049 | €1,156 | ▼ 43.6% |
| Financial charges65/66B | €14,918 | €16,976 | €21,176 | €29,946 | €24,019 | ▼ 19.8% |
| Recurring financial charges65 | €14,918 | €16,976 | €21,176 | €29,946 | €24,019 | ▼ 19.8% |
| Profit (loss) for the period before taxes9903 | €51,005 | €6,487 | -€50,723 | -€87,924 | -€20,357 | ▲ 76.8% |
| Income taxes67/77 | €15,463 | €3,390 | - | - | - | - |
| Profit (loss) for the period9904 | €35,542 | €3,097 | -€50,723 | -€87,924 | -€20,357 | ▲ 76.8% |
| Profit (loss) for the period to be appropriated9905 | €35,542 | €3,097 | -€50,723 | -€87,924 | -€20,357 | ▲ 76.8% |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.1m | €1.0m | €943,865 | €732,504 | ▼ 22.4% |
| Fixed assets21/28 | €265,046 | €209,544 | €202,096 | €134,280 | €64,438 | ▼ 52.0% |
| Tangible fixed assets22/27 | €265,046 | €209,544 | €202,096 | €134,280 | €64,438 | ▼ 52.0% |
| Land and buildings22 | - | - | €4,367 | €3,923 | €3,480 | ▼ 11.3% |
| Plant, machinery and equipment23 | €243,154 | €191,633 | €183,974 | €122,581 | €58,433 | ▼ 52.3% |
| Furniture and vehicles24 | €8,639 | €7,777 | €6,739 | €3,878 | €1,746 | ▼ 55.0% |
| Other tangible fixed assets26 | €13,253 | €10,134 | €7,016 | €3,898 | €780 | ▼ 80.0% |
| Current assets29/58 | €822,056 | €906,883 | €811,839 | €809,585 | €668,066 | ▼ 17.5% |
| Stocks and contracts in progress3 | €596,642 | €603,196 | €532,847 | €546,062 | €538,715 | ▼ 1.3% |
| Stocks30/36 | €596,642 | €603,196 | €532,847 | €546,062 | €538,715 | ▼ 1.3% |
| Amounts receivable within one year40/41 | €156,757 | €212,382 | €214,871 | €200,229 | €59,276 | ▼ 70.4% |
| Trade receivables40 | €1,595 | €95,482 | €93,866 | €154,118 | €33,162 | ▼ 78.5% |
| Other amounts receivable41 | €155,162 | €116,899 | €121,005 | €46,112 | €26,113 | ▼ 43.4% |
| Cash at bank and in hand54/58 | €40,575 | €62,652 | €32,658 | €30,380 | €34,935 | ▲ 15.0% |
| Deferred charges and accrued income490/1 | €28,082 | €28,653 | €31,463 | €32,914 | €35,140 | ▲ 6.8% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.1m | €1.0m | €943,865 | €732,504 | ▼ 22.4% |
| Equity10/15 | €355,215 | €358,312 | €307,589 | €219,665 | €199,308 | ▼ 9.3% |
| Contributions10/11 | €200,000 | €200,000 | €200,000 | €200,000 | €200,000 | = |
| Reserves13 | €683 | €683 | €683 | €683 | €683 | = |
| Non-distributable reserves130/1 | €683 | €683 | - | - | - | - |
| Reserves not available under the articles1311 | €683 | €683 | - | - | - | - |
| Distributable reserves133 | - | - | €683 | €683 | €683 | = |
| Profit (loss) carried forward14 | €154,532 | €157,629 | €106,906 | €18,982 | -€1,375 | ▼ 107% |
| Amounts payable17/49 | €731,887 | €758,115 | €706,345 | €724,200 | €533,196 | ▼ 26.4% |
| Amounts payable after more than one year17 | €267,942 | €200,073 | €130,561 | €59,363 | €0 | ▼ 100% |
| Financial debts170/4 | €267,942 | €200,073 | €130,561 | €59,363 | €0 | ▼ 100% |
| Amounts payable within one year42/48 | €445,190 | €542,760 | €575,785 | €664,837 | €533,196 | ▼ 19.8% |
| Current portion of amounts payable after more than one year42 | €66,266 | €67,869 | €69,513 | €71,198 | €59,363 | ▼ 16.6% |
| Financial debts43 | €132,132 | €243,352 | €300,000 | €299,955 | €300,000 | = |
| Credit institutions430/8 | €132,132 | €243,352 | €300,000 | €299,955 | €300,000 | = |
| Trade debts44 | €203,606 | €192,049 | €178,530 | €237,013 | €119,841 | ▼ 49.4% |
| Suppliers440/4 | €203,606 | €192,049 | €178,530 | €237,013 | €119,841 | ▼ 49.4% |
| Taxes, remuneration and social security45 | €43,185 | €39,491 | €27,743 | €56,672 | €53,992 | ▼ 4.7% |
| Taxes450/3 | €17,179 | €9,607 | €1,409 | €21,942 | €9,667 | ▼ 55.9% |
| Remuneration and social security454/9 | €26,006 | €29,884 | €26,334 | €34,730 | €44,325 | ▲ 27.6% |
| Accrued charges and deferred income492/3 | €18,755 | €15,281 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | 2026 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €35,542 | €3,097 | -€50,723 | -€87,924 | -€20,357 | ▲ 76.8% |
| + Depreciation and write-downs630 | €65,451 | €64,513 | €67,187 | €71,409 | €69,842 | ▼ 2.2% |
| Operating cash flow (approximation) | €100,993 | €67,610 | €16,464 | -€16,515 | €49,485 | ▲ 400% |
| Investment in fixed assets (approximation) | - | -€9,011 | -€59,739 | -€3,593 | €0 | ▲ 100% |
| Change in cash | - | €22,077 | -€29,994 | -€2,278 | €4,554 | ▲ 300% |
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 2027, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2026 · abbreviated schema
2025
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-01
Financial
Weakest financial yearnet -€87,924
Net result drops to -€87,924, the lowest in the series; recovery starts the following year.
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 30 days late
2018
10-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 22 days late
Financial milestoneNBB 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, Scherpenheuvel-Zichem · 1 establishment unit since 2015
Ground area
7,453 m²
Building footprint
2,205 m²
Volume, LiDAR
1,359 m³
2 parcels, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
BRICO PELT
since 20152.246.815.057
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0508/00N002 | Flanders | 6,273 m² | 1 · 2,030 m² | 3.2 m |
| 24098B0043/00S000 | Flanders | 1,181 m² | 1 · 176 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
1 ownerChain of control
- SDNL GROUP
- BRICCS
Highest known parent: SDNL GROUP. The sources do not say who stands above it.
Owners 1
- SDNL GROUPparent99.9%
Holdings 0
No holding stated in the accounts, acts or LEI register we read.
According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 3 entries · 2,875 EUR awarded · 2,875 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 2 | 2,500 EUR | 2,500 EUR |
| 2022 | 1 | 375 EUR | 375 EUR |
Recognitions · licences · registrations
Food safety, FASFC
1 sitePelt2.246.815.057
Dual-learning approval
6 live approvals · 4 endedCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Onthaal, organisatie en sales duaal (so)
Winkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Show 4 ended approvals
Aanvuller (so)
Kassier (so)
Verkoper (so)
Winkelbediende (so)
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Of 1,719 companies in sector 47521 we hold annual accounts for 1,287. 988 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
Founded20-10-2015
Fiscal year end31-01
Activities, NACEBEL 2025
47521Retail sale of hardware, building materials, paint and glass (general range)
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0641721910
Also
9925:BE0641721910
Registered
30-01-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.