BRL CONSTRUCTION
ActiveSummary
The computed 12-month bankruptcy probability of BRL CONSTRUCTION is 2.7% (moderate). The 2025 annual accounts show equity of €25k and a net result of €21k. Equity is growing by ~129% per year across the filed fiscal years. Its solvency ranks better than 48% of 27786 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+88
Solvency70▲+29
Growth78▲+46
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.64 against 1.15 in 2024; short-term debt: 49.7% and cash: 58.3% of total assets), but 54.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 43
Relative position
BE, all sectors
reference
Sector 43
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
45.2%
Return on assets
38.6%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
18 d early
2024
29 d late
2023
22 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€25k▲ 374%
2024 · €5k
2023: €7k
2024: €5k
2023 → 2025
Total assets
€56k▲ 72.6%
2024 · €32k
2023: €13k
2024: €32k
2023 → 2025
Net result
€21k
2024 · €-2k
2023: €4k
2024: €-2k
2023 → 2025
Working capital
€18k▲ 333%
2024 · €4k
2023: €7k
2024: €4k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€7k-€5k▼ 24.4%€25k▲ 374%
Operating result€5k-€-2k€29k
Net result€4k-€-2k€21k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €29k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €56k
Fixed assets
€10k ▲ 744%
Current assets
€45k ▲ 45.9%
Equity and liabilities €56k
Equity
€25k ▲ 374%
Debt
€30k ▲ 13.3%
Debt's share of the balance-sheet total falls from 83.5% to 54.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▲
2024 · €-1k
Cash flow
€22k▲
2024 · €-1k
Current ratio
1.64▲
2024 · 1.15
Debt to equity
1.21▼
2024 · 5.08
ROE
85.5%▲
2024 · -32.3%
ROA
38.6%▲
2024 · -5.3%
Interest coverage
12.97▲
2024 · -16.26
Debt ≤ 1 year
€28k▲
2024 · €27k
Debt > 1 year
€3k
Income taxes
€5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€32k€56k▲
Fixed assets21/28€1k€10k▲
Tangible fixed assets22/27€1k€10k▲
Plant, machinery and equipment23€1k€932▼
Furniture and vehicles24-€9k
Current assets29/58€31k€45k▲
Amounts receivable within one year40/41€24k€13k▼
Trade receivables40€22k€9k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€7k€32k▲
Deferred charges and accrued income490/1-€191
Equity and liabilities
Total equity and liabilities10/49€32k€56k▲
Equity10/15€5k€25k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€300€20k▲
Amounts payable17/49€27k€30k▲
Amounts payable after more than one year17-€3k
Financial debts170/4-€3k
Amounts payable within one year42/48€27k€28k▲
Current portion of amounts payable after more than one year42-€6k
Trade debts44€19k€3k▼
Suppliers440/4€19k€3k▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€5k€12k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€268€756▲
Other operating charges640/8€810€760▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€-551€34k▲
Operating profit (loss)9901€-2k€29k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€84€2k▲
Recurring financial charges65€84€2k▲
Profit (loss) for the period before taxes9903€-2k€27k▲
Income taxes67/77-€5k
Profit (loss) for the period9904€-2k€21k▲
Profit (loss) for the period to be appropriated9905€-2k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€300€22k▲
Profit (loss) brought forward from the previous period14P€2k€300▼
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (7 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼147%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 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, Namur · 1 establishment unit since 2023
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.
Avenue de la Dame(JB) 255100 NamurGround area
323 m²
Building footprint
64 m²
Volume, LiDAR
673 m³
Parcel 92322H0038/00_000, Wallonia · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BRL CONSTRUCTION
since 20232.351.642.462
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92322H0038/00_000 | Wallonia | 323 m² | 1 · 64 m² | 13.0 m · 4 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
V V 1
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BE 0882.284.779
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Niels
BE 0422.739.955
Kalmthout · Eq €25,176
ARIAN P
BE 0789.930.683
Sint-Pieters-Leeuw · Eq €25,183
DL COLOR
BE 1022.398.311
Riemst · Eq €25,230
Of 7,861 companies in sector 43341 we hold annual accounts for 2,663. 2,153 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-09-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43342Specialised construction activities
43990Other specialised construction activities
74130Interior design
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.