BRICOGEM
ActiveBRICOGEM has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.21M and a net result of €1.07M. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 62% of 4860 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+29
Solvency81▲+23
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 2.65 against 1.7 in 2024; short-term debt: 36.9% and cash: 0.4% of total assets), and 43.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
56.2%
Return on assets
18.7%
Age of the figures
11 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-10-2025 was due by 31-05-2026 and was filed on 27-05-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
11 d early
2023
9 d early
2022
9 d early
2021
1 d early
2020
3 d early
2019
5 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-10-2026 and is due by 31-05-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-10-2026 close31-05-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.07M▲ 809%
2024 · €118k
2018: €299k
2019: €290k
2021: €383k
2022: €162k
2023: €11k
2024: €118k
2018 → 2025
Working capital
€3.49M▲ 86.0%
2024 · €1.88M
2018: €1.54M
2019: €907k
2021: €1.83M
2022: €1.98M
2023: €1.99M
2024: €1.88M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.85M-€2.01M▲ 8.7%€2.02M▲ 0.5%€2.14M▲ 5.8%€3.21M▲ 50.0%
Operating result€506k-€239k▼ 52.7%€82k▼ 65.6%€271k▲ 229%€292k▲ 7.9%
Net result€383k-€162k▼ 57.7%€11k▼ 93.5%€118k▲ 1,013%€1.07M▲ 809%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 8% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.72M
Fixed assets
€122k▼ 93.8%
Current assets
€5.60M▲ 23.3%
Equity and liabilities €5.72M
Equity
€3.21M▲ 50.0%
Debt
€2.51M▼ 42.5%
The debt ratio falls from 67.1% to 43.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€375k▲
2024 · €349k
Cash flow
€1.15M▲
2024 · €196k
Solvency
56.2%▲
2024 · 32.9%
Current ratio
2.65▲
2024 · 1.70
Quick ratio
1.61▲
2024 · 0.90
Debt / equity
0.78▼
2024 · 2.04
ROE
33.3%▲
2024 · 5.5%
ROA
18.7%▲
2024 · 1.8%
Interest coverage
3.08▲
2024 · 2.19
Debt
€2.51M▼
2024 · €4.36M
Debt ≤ 1 year
€2.11M▼
2024 · €2.66M
Debt > 1 year
€396k▼
2024 · €1.70M
Income taxes
€59k▲
2024 · €43k
Staff costs
€800k▲
2024 · €756k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€6.50M€5.72M▼
Fixed assets21/28€1.96M€122k▼
Tangible fixed assets22/27€165k€122k▼
Plant, machinery and equipment23€142k€110k▼
Furniture and vehicles24€23k€12k▼
Financial fixed assets28€1.80M€0▼
Current assets29/58€4.54M€5.60M▲
Stocks and contracts in progress3€2.13M€2.19M▲
Stocks30/36€2.13M€2.19M▲
Amounts receivable within one year40/41€2.33M€3.38M▲
Trade receivables40€51k€35k▼
Other amounts receivable41€2.28M€3.34M▲
Cash at bank and in hand54/58€79k€25k▼
Deferred charges and accrued income490/1€176€395▲
Equity and liabilities
Total equity and liabilities10/49€6.50M€5.72M▼
Equity10/15€2.14M€3.21M▲
Contributions10/11€80k€80k=
Capital10€80k€80k=
Issued capital100€80k€80k=
Reserves13€14k€14k=
Non-distributable reserves130/1€8k€8k=
Legal reserve130€8k€8k=
Tax-exempt reserves132€6k€6k=
Profit (loss) carried forward14€2.05M€3.12M▲
Amounts payable17/49€4.36M€2.51M▼
Amounts payable after more than one year17€1.70M€396k▼
Financial debts170/4€1.70M€396k▼
Amounts payable within one year42/48€2.66M€2.11M▼
Current portion of amounts payable after more than one year42€231k€118k▼
Financial debts43€1.02M€1.06M▲
Credit institutions430/8€1.02M€1.06M▲
Trade debts44€510k€480k▼
Suppliers440/4€510k€480k▼
Taxes, remuneration and social security45€109k€125k▲
Taxes450/3€16k€4k▼
Remuneration and social security454/9€93k€120k▲
Other amounts payable47/48€796k€322k▼
Accrued charges and deferred income492/3€3k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€119€0▼
Remuneration, social security and pensions62€756k€800k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€78k€83k▲
Other operating charges640/8€67k€70k▲
Gross operating margin9900€1.17M€1.25M▲
Operating profit (loss)9901€271k€292k▲
Financial income75/76B€49k€959k▲
Recurring financial income75€49k€59k▲
Non-recurring financial income76B-€900k
Financial charges65/66B€159k€122k▼
Recurring financial charges65€159k€122k▼
Profit (loss) for the period before taxes9903€161k€1.13M▲
Income taxes67/77€43k€59k▲
Profit (loss) for the period9904€118k€1.07M▲
Profit (loss) for the period to be appropriated9905€118k€1.07M▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.05M€3.12M▲
Profit (loss) brought forward from the previous period14P€1.93M€2.05M▲
Social balance
Average headcount (FTE)908720.621.6▲
The notes to these accounts (19 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
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-10
Financial
Highest result since 2018net €1.07M ▲809%
Net result €1.07M, the highest in the series.
20-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-10
Financial
Weakest financial yearnet €11k ▼93.5%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
22-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-10
Financial
Equity above €2MEq €2.01M ▲8.7%
4 profitable years in a row build equity to €2.01M.
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
28-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
23-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-11-2025
Iris WILLEMIJNS: Resigned as Director
20-01-2020
D - IMMO: Resigned as Director
02-11-2013
D-IMMO: Resigned as Director
Location & real-estate footprint
Registered office, Fleurus · 2 establishment units since 2004
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.
Chaussée de Charleroi(FL) 7856220 FleurusGround area
7,114 m²
Building footprint
85 m²
Volume, LiDAR
164 m³
3 parcels, Wallonia · tallest building 5.9 m, ±1 floor. Linked by address, not a title deed.
2 establishment units
Hubo
since 20042.136.523.186
Hubo
since 20192.294.245.285
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56030B0171/00B000 | Wallonia | 6,813 m² | 1 · 27 m² | 5.9 m · 1 fl. |
| 52021B0121/00G000 | Wallonia | 262 m² | 1 · 34 m² | - |
| 52302A0845/00G002 | Wallonia | 39 m² | 1 · 23 m² | 5.5 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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 companyNetwork connections
Shared address
→
Recognitions · licences · registrations
Food safety, FASFC
2 sitesThuin2.136.523.186
Charleroi2.294.245.285
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Of 505 companies in sector 46841 we hold annual accounts for 365. 239 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded12-03-2002
Fiscal year end31-10
Activities, NACEBEL
46841Wholesale trade
47521Retail sale of hardware, building materials, paint and glass (general range)
52462
47639Retail sale of other sporting goods
47640Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
52461
52482
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.