BROKERCLOUD
ActiveSummary
BROKERCLOUD has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €906k and a net result of €-39k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 2699 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability65=
Solvency88=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.8 in 2024; short-term debt: 14.7% and cash: 9.5% of total assets), and 37.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← 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
62.7%
Return on assets
-2.7%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-39k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
6 d late
2023
on the day
2022
on the day
2021
5 d late
2020
24 d early
2019
17 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€906k▼ 4.2%
2024 · €945k
2019: €-430klowest in 7 years
2020: €46k▲ +111% vs 2019
2021: €1.25M▲ +2595% vs 2020highest in 7 years
2022: €824k▼ -34.3% vs 2021
2023: €789k▼ -4.2% vs 2022
2024: €945k▲ +19.8% vs 2023
2025: €906k▼ -4.2% vs 2024
2019 → 2025
Total assets
€1.45M▼ 4.1%
2024 · €1.51M
2019: €535klowest in 7 years
2020: €859k▲ +60.5% vs 2019
2021: €1.70M▲ +97.5% vs 2020highest in 7 years
2022: €1.37M▼ -19.4% vs 2021
2023: €1.53M▲ +12.2% vs 2022
2024: €1.51M▼ -1.7% vs 2023
2025: €1.45M▼ -4.1% vs 2024
2019 → 2025
Net result
€-39k▲ 9.4%
2024 · €-43k
2019: €-436k
2020: €57k▲ +113% vs 2019highest in 7 years
2021: €-228k▼ -503% vs 2020
2022: €-613k▼ -168% vs 2021lowest in 7 years
2023: €-285k▲ +53.5% vs 2022
2024: €-43k▲ +84.7% vs 2023
2025: €-39k▲ +9.4% vs 2024
2019 → 2025
Working capital
€117k▼ 31.0%
2024 · €170k
2019: €-186k
2020: €-214k▼ -15.0% vs 2019lowest in 7 years
2021: €860k▲ +501% vs 2020highest in 7 years
2022: €215k▼ -75.0% vs 2021
2023: €29k▼ -86.7% vs 2022
2024: €170k▲ +495% vs 2023
2025: €117k▼ -31.0% vs 2024
2019 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.25M-€824k▼ 34.3%€789k▼ 4.2%€945k▲ 19.8%€906k▼ 4.2%
2021: €1.25Mhighest in 5 years
2022: €824k▼ -34.3% vs 2021
2023: €789k▼ -4.2% vs 2022lowest in 5 years
2024: €945k▲ +19.8% vs 2023
2025: €906k▼ -4.2% vs 2024
Operating result€-237k-€-620k▼ 162%€-313k▲ 49.6%€-58k▲ 81.5%€-43k▲ 26.5%
2021: €-237k
2022: €-620k▼ -162% vs 2021lowest in 5 years
2023: €-313k▲ +49.6% vs 2022
2024: €-58k▲ +81.5% vs 2023
2025: €-43k▲ +26.5% vs 2024highest in 5 years
Net result€-228k-€-613k▼ 168%€-285k▲ 53.5%€-43k▲ 84.7%€-39k▲ 9.4%
2021: €-228k
2022: €-613k▼ -168% vs 2021lowest in 5 years
2023: €-285k▲ +53.5% vs 2022
2024: €-43k▲ +84.7% vs 2023
2025: €-39k▲ +9.4% vs 2024highest in 5 years
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €43k in 2025 against €58k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.45M
Fixed assets
€1.12M ▼ 0.7%
Current assets
€329k ▼ 13.9%
Equity and liabilities €1.45M
Equity
€906k ▼ 4.2%
Debt
€539k ▼ 4.0%
Debt's share of the balance-sheet total stays at 37.3%.
Key figures and ratios
EBITDA
€387k▲
2024 · €322k
Cash flow
€390k▲
2024 · €336k
Current ratio
1.55▼
2024 · 1.80
Debt to equity
0.59▲
2024 · 0.59
ROE
-4.3%▲
2024 · -4.6%
ROA
-2.7%▲
2024 · -2.9%
Interest coverage
32.40▼
2024 · 38.95
Debt ≤ 1 year
€212k▼
2024 · €213k
Income taxes
€-14k▲
2024 · €-22k
Staff costs
€479k▼
2024 · €532k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.51M€1.45M▼
Fixed assets21/28€1.12M€1.12M▼
Intangible fixed assets21€1.11M€1.10M▼
Tangible fixed assets22/27€4k€8k▲
Plant, machinery and equipment23€103€54▼
Furniture and vehicles24€4k€8k▲
Financial fixed assets28€7k€7k=
Current assets29/58€383k€329k▼
Amounts receivable within one year40/41€201k€177k▼
Trade receivables40€94k€76k▼
Other amounts receivable41€107k€101k▼
Cash at bank and in hand54/58€167k€137k▼
Deferred charges and accrued income490/1€15k€15k▲
Equity and liabilities
Total equity and liabilities10/49€1.51M€1.45M▼
Equity10/15€945k€906k▼
Contributions10/11€2.49M€2.49M=
Profit (loss) carried forward14€-1.55M€-1.59M▼
Amounts payable17/49€561k€539k▼
Amounts payable within one year42/48€213k€212k▼
Trade debts44€98k€139k▲
Suppliers440/4€98k€139k▲
Taxes, remuneration and social security45€115k€74k▼
Taxes450/3€53k€38k▼
Remuneration and social security454/9€62k€35k▼
Accrued charges and deferred income492/3€349k€327k▼
Income statement
Code20242025
Remuneration, social security and pensions62€532k€479k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€380k€429k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€856k€867k▲
Operating profit (loss)9901€-58k€-43k▲
Financial income75/76B€975€686▼
Recurring financial income75€975€686▼
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€-65k€-54k▲
Income taxes67/77€-22k€-14k▲
Profit (loss) for the period9904€-43k€-39k▲
Profit (loss) for the period to be appropriated9905€-43k€-39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.55M€-1.59M▼
Profit (loss) brought forward from the previous period14P€-1.51M€-1.55M▼
Social balance
Average headcount (FTE)90878.56.9▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €275k | €586k | €682k | €532k | €479k | ▼ 10.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €179k | €266k | €291k | €380k | €429k | ▲ 13.0% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €2k | - | - | - | - | - |
| Other operating charges640/8 | €1k | €3k | €7k | €3k | €2k | ▼ 39.4% |
| Gross operating margin9900 | €221k | €235k | €666k | €856k | €867k | ▲ 1.2% |
| Operating profit (loss)9901 | €-237k | €-620k | €-313k | €-58k | €-43k | ▲ 26.5% |
| Financial income75/76B | €540 | €10k | €13k | €975 | €686 | ▼ 29.7% |
| Recurring financial income75 | €540 | €10k | €13k | €975 | €686 | ▼ 29.7% |
| Financial charges65/66B | €5k | €12k | €7k | €8k | €12k | ▲ 44.4% |
| Recurring financial charges65 | €5k | €12k | €7k | €8k | €12k | ▲ 44.4% |
| Profit (loss) for the period before taxes9903 | €-241k | €-623k | €-307k | €-65k | €-54k | ▲ 17.5% |
| Income taxes67/77 | €-13k | €-11k | €-22k | €-22k | €-14k | ▲ 33.7% |
| Profit (loss) for the period9904 | €-228k | €-613k | €-285k | €-43k | €-39k | ▲ 9.4% |
| Profit (loss) for the period to be appropriated9905 | €-228k | €-613k | €-285k | €-43k | €-39k | ▲ 9.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.70M | €1.37M | €1.53M | €1.51M | €1.45M | ▼ 4.1% |
| Fixed assets21/28 | €674k | €838k | €1.04M | €1.12M | €1.12M | ▼ 0.7% |
| Intangible fixed assets21 | €669k | €818k | €1.03M | €1.11M | €1.10M | ▼ 1.1% |
| Tangible fixed assets22/27 | €4k | €14k | €11k | €4k | €8k | ▲ 94.8% |
| Plant, machinery and equipment23 | - | €202 | €153 | €103 | €54 | ▼ 47.8% |
| Furniture and vehicles24 | €4k | €14k | €11k | €4k | €8k | ▲ 98.4% |
| Financial fixed assets28 | €300 | €6k | €6k | €7k | €7k | = |
| Current assets29/58 | €1.02M | €529k | €490k | €383k | €329k | ▼ 13.9% |
| Amounts receivable within one year40/41 | €153k | €206k | €296k | €201k | €177k | ▼ 11.8% |
| Trade receivables40 | €104k | €148k | €223k | €94k | €76k | ▼ 18.7% |
| Other amounts receivable41 | €49k | €58k | €74k | €107k | €101k | ▼ 5.7% |
| Cash at bank and in hand54/58 | €852k | €304k | €174k | €167k | €137k | ▼ 17.9% |
| Deferred charges and accrued income490/1 | €16k | €19k | €20k | €15k | €15k | ▲ 1.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.70M | €1.37M | €1.53M | €1.51M | €1.45M | ▼ 4.1% |
| Equity10/15 | €1.25M | €824k | €789k | €945k | €906k | ▼ 4.2% |
| Contributions10/11 | €1.86M | €2.04M | €2.29M | €2.49M | €2.49M | = |
| Profit (loss) carried forward14 | €-608k | €-1.22M | €-1.51M | €-1.55M | €-1.59M | ▼ 2.5% |
| Amounts payable17/49 | €443k | €543k | €744k | €561k | €539k | ▼ 4.0% |
| Amounts payable within one year42/48 | €162k | €313k | €462k | €213k | €212k | ▼ 0.3% |
| Trade debts44 | €107k | €261k | €296k | €98k | €139k | ▲ 41.7% |
| Suppliers440/4 | €107k | €261k | €296k | €98k | €139k | ▲ 41.7% |
| Taxes, remuneration and social security45 | €54k | €51k | €164k | €115k | €74k | ▼ 36.1% |
| Taxes450/3 | €4k | €1k | €76k | €53k | €38k | ▼ 27.8% |
| Remuneration and social security454/9 | €50k | €50k | €88k | €62k | €35k | ▼ 43.2% |
| Other amounts payable47/48 | €1k | €1k | €1k | - | - | - |
| Accrued charges and deferred income492/3 | €281k | €230k | €282k | €349k | €327k | ▼ 6.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-228k | €-613k | €-285k | €-43k | €-39k | ▲ 9.4% |
| + Depreciation and write-downs630 | €179k | €266k | €291k | €380k | €429k | ▲ 13.0% |
| Operating cash flow (approximation) | €-49k | €-346k | €6k | €336k | €390k | ▲ 15.9% |
| Investment in fixed assets (approximation) | - | €-431k | €-495k | €-461k | €-421k | ▲ 8.8% |
| Change in cash | - | €-549k | €-129k | €-7k | €-30k | ▼ 309% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-613k
Net result drops to €-613k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 5 days late
2021
31-12
Financial
Liquidity times 10current ratio 6.30
Current ratio from 0.65 to 6.30; short-term debt falls from €621k to €162k.
31-12
Financial
Equity above €1MEq €1.25M ▲2,595%
Equity rises from €46k to €1.25M.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €57k
Net result €57k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 9 acts read
About the unread acts
We know of 9 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
9 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, Antwerpen · 1 establishment unit since 2018
Ground area
9,631 m²
Building footprint
998 m²
Volume, LiDAR
20,276 m³
Parcel 11303B0445/00N008, Flanders · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
153
companies at this address
See who is registered here
1 establishment unit
BROKERCLOUD
since 20182.272.717.720
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0445/00N008 | Flanders | 9,631 m² | 1 · 998 m² | 25.2 m · 6 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 3,000 EUR awarded · 3,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,000 EUR | 1,000 EUR |
| 2024 | 1 | 1,000 EUR | 1,000 EUR |
| 2023 | 1 | 500 EUR | 500 EUR |
| 2022 | 1 | 500 EUR | 500 EUR |
Schemes
Premie kwalificerend werkplekleren
Stagebonus (stopgezet)
Recognitions · licences · registrations
Dual-learning approval
5 live approvals · 1 endedCommercieel assistent (vwo)
Commercieel assistent duaal (so)
Commerciële organisatie duaal (so)
Polyvalent administratief ondersteuner (vwo)
Polyvalent administratief ondersteuner duaal (so)
Show 1 ended approval
Administratief medewerker (so)
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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 9,049 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded19-01-2018
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
Scores and ratios are computed by Checked and are not a credit decision.