Bricomarkt
ActiveBricomarkt has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.80M and a net result of €38k. Equity is shrinking by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 4144 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-4
Solvency100=
Growth25=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 8.33 against 6.34 in 2024; short-term debt: 10.3% and cash: 1.1% of total assets), and 10.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
89.5%
Return on assets
1.9%
Age of the figures
9 mo
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 17-07-2026, 14 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
14 d early
2024
14 d early
2023
30 d early
2022
28 d early
2021
4 d late
2020
3 d early
2019
2 d early
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3.01M▼ 35.2%
2021 · €4.64M
2018: €4.10M
2019: €4.26M
2020: €5.12M
2021: €4.64M
2018 → 2022
EBIT margin
7.0%▲ 4.1pp
2021 · 2.8%
2018: 6.5%
2019: 5.9%
2020: 7.8%
2021: 2.8%
2018 → 2022
Net result
€38k▼ 65.9%
2024 · €110k
2018: €182k
2019: €169k
2020: €298k
2021: €98k
2022: €157k
2023: €134k
2024: €110k
2018 → 2025
Working capital
€1.52M▼ 7.9%
2024 · €1.65M
2018: €2.50M
2019: €2.69M
2020: €3.01M
2021: €1.69M
2022: €1.81M
2023: €1.67M
2024: €1.65M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€4.64M-€3.01M▼ 35.2%
Equity€1.71M-€1.87M▲ 9.2%€1.75M▼ 6.2%€1.76M▲ 0.6%€1.80M▲ 2.1%
Operating result€131k-€210k▲ 59.5%€116k▼ 44.8%€90k▼ 22.4%€-8k
Net result€98k-€157k▲ 60.4%€134k▼ 15.0%€110k▼ 17.4%€38k▼ 65.9%
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €90k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.01M
Fixed assets
€277k▲ 149%
Current assets
€1.73M▼ 11.8%
Equity and liabilities €2.01M
Equity
€1.80M▲ 2.1%
Debt
€211k▼ 32.9%
The debt ratio falls from 15.2% to 10.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2024 · €109k
Cash flow
€78k▼
2024 · €129k
Solvency
89.5%▲
2024 · 84.8%
Current ratio
8.33▲
2024 · 6.34
Quick ratio
3.94▲
2024 · 3.45
Debt / equity
0.12▼
2024 · 0.18
ROE
2.1%▼
2024 · 6.3%
ROA
1.9%▼
2024 · 5.3%
Interest coverage
8.25▼
2024 · 20.37
Debt
€211k▼
2024 · €315k
Debt ≤ 1 year
€208k▼
2024 · €310k
Income taxes
€7k▼
2024 · €44k
Staff costs
€285k▲
2024 · €284k
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€2.07M€2.01M▼
Fixed assets21/28€112k€277k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€112k€277k▲
Plant, machinery and equipment23€24k€23k▼
Furniture and vehicles24€12k€31k▲
Other tangible fixed assets26€75k€224k▲
Current assets29/58€1.96M€1.73M▼
Stocks and contracts in progress3€895k€913k▲
Stocks30/36€895k€913k▲
Amounts receivable within one year40/41€1.03M€790k▼
Trade receivables40€57k€38k▼
Other amounts receivable41€976k€752k▼
Cash at bank and in hand54/58€30k€22k▼
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€2.07M€2.01M▼
Equity10/15€1.76M€1.80M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€423k€423k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€417k€417k=
Profit (loss) carried forward14€1.27M€1.31M▲
Amounts payable17/49€315k€211k▼
Amounts payable within one year42/48€310k€208k▼
Trade debts44€143k€140k▼
Suppliers440/4€143k€140k▼
Advances received on contracts in progress46€5k€2k▼
Taxes, remuneration and social security45€62k€66k▲
Taxes450/3€18k€21k▲
Remuneration and social security454/9€44k€45k▲
Other amounts payable47/48€100k€250▼
Accrued charges and deferred income492/3€6k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€284k€285k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€41k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€7k€-1k▼
Other operating charges640/8€9k€10k▲
Gross operating margin9900€408k€327k▼
Operating profit (loss)9901€90k€-8k▼
Financial income75/76B€69k€56k▼
Recurring financial income75€69k€56k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€154k€44k▼
Income taxes67/77€44k€7k▼
Profit (loss) for the period9904€110k€38k▼
Profit (loss) for the period to be appropriated9905€110k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.37M€1.31M▼
Profit (loss) brought forward from the previous period14P€1.26M€1.27M▲
Profit to be distributed694/7€100k-
Return on contributions (dividend)694€100k-
Social balance
Average headcount (FTE)90876.15.6▼
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €38k ▼65.9%
Net result drops to €38k, the lowest in the series.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 4 days late
2021
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
31-12
Financial
Highest result since 2018net €298k ▲76.9%
Operating result €399k, net result €298k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
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 2021
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.
05-08-2021
Resigned as Director
Location & real-estate footprint
Registered office, Wommelgem · 1 establishment unit since 2007
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.
Koralenhoeve 352160 WommelgemGround area
1.5 ha
Building footprint
5,043 m²
Volume, LiDAR
22,663 m³
2 parcels, Flanders, Wallonia · tallest building 13.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Hubo
since 20072.161.050.231
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0166/00N000 | Flanders | 8,904 m² | 1 · 2,714 m² | 13.9 m · 3 fl. |
| 57048A0715/00C000 | Wallonia | 6,187 m² | 1 · 2,329 m² | - |
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.
Structure & network
Connections & network
9 connected companiesNetwork connections
Shared address
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Show 5 more network connections
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Recognitions · licences · registrations
Food safety, FASFC
1 siteLeuze-en-Hainaut2.161.050.231
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Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 824 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded25-11-1982
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
52461
Sources
Crossroads Bank for EnterprisesNational Bank · 44 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.