Brodel Joël
ActiveSummary
Brodel Joël has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €611k and a net result of €51k. Equity is growing by ~11.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 2045 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▼-11
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 15.18 against 8.6 in 2024; short-term debt: 6.3% and cash: 56.1% of total assets), and 13.4% of the assets are financed with debt.
Credit advice 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 · 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 · 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
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
86.6%
Return on assets
7.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-01-2026, 5 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
5 d early
2024
8 d early
2022
31 d late
2021
25 d late
2020
36 d early
2019
67 d early
2018
27 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€51k▼ 59.3%
2024 · €126k
2018: €27k
2019: €17k
2020: €76k
2021: €83k
2022: €110k
2024: €126k
2018 → 2025
Working capital
€627k▼ 5.6%
2024 · €664k
2018: €304k
2019: €368k
2020: €310k
2021: €413k
2022: €532k
2024: €664k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220242025Trend
Equity€385k-€434k▲ 12.9%€500k▲ 15.2%€587k▲ 17.4%€611k▲ 4.1%
Operating result€109k-€109k▲ 0.2%€159k▲ 46.1%€153k▼ 3.9%€69k▼ 55.2%
Net result€76k-€83k▲ 8.4%€110k▲ 33.6%€126k▲ 14.5%€51k▼ 59.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 55% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706k
Fixed assets
€34k ▼ 21.8%
Current assets
€671k ▼ 10.7%
Equity and liabilities €706k
Equity
€611k ▲ 4.1%
Debt
€95k ▼ 54.6%
Debt's share of the balance-sheet total falls from 26.3% to 13.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€86k▼
2024 · €184k
Cash flow
€69k▼
2024 · €157k
Current ratio
15.18▲
2024 · 8.60
Quick ratio
14.54▲
2024 · 7.54
Debt to equity
0.16▼
2024 · 0.36
ROE
8.4%▼
2024 · 21.5%
ROA
7.3%▼
2024 · 15.9%
Interest coverage
9.18▼
2024 · 34.23
Debt ≤ 1 year
€44k▼
2024 · €87k
Debt > 1 year
€42k▼
2024 · €121k
Income taxes
€21k▼
2024 · €49k
Staff costs
€0▼
2024 · €26k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€796k€706k▼
Fixed assets21/28€44k€34k▼
Tangible fixed assets22/27€44k€34k▼
Land and buildings22€0-
Plant, machinery and equipment23€10k€14k▲
Furniture and vehicles24€34k€21k▼
Current assets29/58€752k€671k▼
Stocks and contracts in progress3€92k€28k▼
Stocks30/36€42k€28k▼
Contracts in progress37€50k€0▼
Amounts receivable within one year40/41€93k€103k▲
Trade receivables40€72k€90k▲
Other amounts receivable41€20k€13k▼
Current investments50/53€18k€132k▲
Cash at bank and in hand54/58€536k€396k▼
Deferred charges and accrued income490/1€13k€13k▲
Equity and liabilities
Total equity and liabilities10/49€796k€706k▼
Equity10/15€587k€611k▲
Contributions10/11€19k€19k=
Reserves13€568k€592k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€76k€76k=
Distributable reserves133€492k€516k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€209k€95k▼
Amounts payable after more than one year17€121k€42k▼
Financial debts170/4€0-
Other amounts payable178/9€121k€42k▼
Amounts payable within one year42/48€87k€44k▼
Current portion of amounts payable after more than one year42€13k€10k▼
Trade debts44€63k€33k▼
Suppliers440/4€63k€33k▼
Advances received on contracts in progress46€1k€1k=
Taxes, remuneration and social security45€11k€0▼
Taxes450/3€11k€0▼
Remuneration and social security454/9€0-
Accrued charges and deferred income492/3€1k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€26k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€18k▼
Other operating charges640/8€3k€2k▼
Gross operating margin9900€213k€88k▼
Operating profit (loss)9901€153k€69k▼
Financial income75/76B€28k€13k▼
Recurring financial income75€28k€13k▼
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€175k€72k▼
Income taxes67/77€49k€21k▼
Profit (loss) for the period9904€126k€51k▼
Profit (loss) for the period to be appropriated9905€126k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€126k€51k▼
Transfer from equity791/2€39k€27k▼
Transfer to equity691/2€126k€51k▼
To other reserves6921€126k€51k▼
Profit to be distributed694/7€39k€27k▼
Return on contributions (dividend)694€39k€27k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (10 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
26-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2018net €126k ▲14.5%
Net result €126k, the highest in the series.
30-06
Financial
Equity above €500kEq €587k ▲17.4%
6 profitable years in a row build equity to €587k.
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €17k ▼37.7%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
07-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Amel · 1 establishment unit since 2006
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.
Mirfeld,Büllinger Straße 114A4770 Amel1 establishment unit
Brodel Joël PGmbH
since 20062.155.563.494
Recognitions · licences · registrations
Legal Entity Identifier
967600UI14KOOQAT7O67
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Of 9,530 companies in sector 43222 we hold annual accounts for 5,662. 3,763 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
Founded29-06-2006
Fiscal year end30-06
Activities, NACEBEL 2025
43222Installation of electric heating, air conditioning, cooling and ventilation
46842Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filings
Scores and ratios are computed by Checked and are not a credit decision.