Brick Over Brick
ActiveThe computed 12-month bankruptcy probability of Brick Over Brick is 2.7% (moderate). The 2024 annual accounts show equity of €12k and a net result of €8k. Its solvency ranks better than 15% of 9981 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability45▼-25
Solvency30▲+2
Growth78
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.05 against 1.03 in 2023; short-term debt: 95.2% and cash: 0.1% of total assets), and 95.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
4.8%
Return on assets
3.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 9981 sector peers (2024).
NBB · sector comparisonPosition among 9981 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-08-2025, 24 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 · 2 filingsDeviation from the deadline
2025
not confirmed
2024
24 d late
2023
30 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€12k▲ 186%
2023 · €4k
2023: €4k
2023 → 2024
Total assets
€238k▲ 52.5%
2023 · €156k
2023: €156k
2023 → 2024
Net result
€8k▲ 270%
2023 · €2k
2023: €2k
2023 → 2024
Working capital
€12k▲ 186%
2023 · €4k
2023: €4k
2023 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20232024Trend
Equity€4k-€12k▲ 186%
Operating result€3k-€10k▲ 227%
Net result€2k-€8k▲ 270%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2024; 2024 is 227% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €238k
Equity
€12k▲ 186%
Debt
€226k▲ 49.0%
The debt ratio falls from 97.4% to 95.2%. Equity and debt are higher.
Key figures and ratios
Solvency
4.8%▲
2023 · 2.6%
Current ratio
1.05▲
2023 · 1.03
Quick ratio
1.05▲
2023 · 1.03
Debt / equity
19.64▼
2023 · 37.73
ROE
65.1%▲
2023 · 50.4%
ROA
3.2%▲
2023 · 1.3%
Debt
€226k▲
2023 · €152k
Debt ≤ 1 year
€226k▲
2023 · €152k
Income taxes
€2k▲
2023 · €948
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€156k€238k▲
Current assets29/58€156k€238k▲
Amounts receivable within one year40/41€86k€168k▲
Trade receivables40€84k€165k▲
Other amounts receivable41€3k€3k▲
Cash at bank and in hand54/58€125€125=
Deferred charges and accrued income490/1€70k€70k=
Equity and liabilities
Total equity and liabilities10/49€156k€238k▲
Equity10/15€4k€12k▲
Contributions10/11€2k€2k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€30€8k▲
Amounts payable17/49€152k€226k▲
Amounts payable within one year42/48€152k€226k▲
Trade debts44€77k€151k▲
Suppliers440/4€77k€151k▲
Advances received on contracts in progress46€70k€70k=
Taxes, remuneration and social security45€948€3k▲
Taxes450/3€948€3k▲
Other amounts payable47/48€4k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k-
Gross operating margin9900€4k€10k▲
Operating profit (loss)9901€3k€10k▲
Financial charges65/66B€5-
Recurring financial charges65€5-
Profit (loss) for the period before taxes9903€3k€10k▲
Income taxes67/77€948€2k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€8k▲
Profit (loss) brought forward from the previous period14P-€30
Transfer to equity691/2€2k-
To other reserves6921€2k-
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 24 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
NBB filing
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
1 establishment unit since 2022
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.
Ground area
8,095 m²
Building footprint
1,868 m²
Volume, LiDAR
669 m³
2 parcels, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brick Over Brick
since 20222.339.204.884
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0041/00F000 | Flanders | 7,975 m² | 1 · 1,789 m² | - |
| 23069A0295/00Z002 | Flanders | 119 m² | 1 · 79 m² | 10.1 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
Pikobelloo
BE 0888.476.646
Bertem · Eq €12k
LAZO BUILDING
BE 0802.601.457
Kraainem · Eq €12k
Vastor
BE 0802.586.611
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LVD voeg- en renovatiewerken
BE 0749.793.766
Herentals · Eq €12k
MA COORDINATION
BE 1018.087.650
Sint-Genesius-Rode · Eq €12k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 9,790 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-12-2022
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41002Construction of residential and non-residential buildings
43320Joinery installation
43343Specialised construction activities
43350Other building finishing work
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.