BROUWERS - ESSERS
ActiveBROUWERS - ESSERS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €137k and a net result of €-10k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 26056 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-27
Solvency100=
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 5.86 against 5.52 in 2023), and 20% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
80%
Return on assets
-6.1%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-06-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
44 d early
2023
51 d early
2022
49 d early
2021
39 d early
2020
47 d early
2019
46 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€137k▼ 7.1%
2023 · €147k
2018: €108k
2019: €113k
2020: €138k
2021: €133k
2022: €139k
2023: €147k
2018 → 2024
Total assets
€171k▼ 4.7%
2023 · €180k
2018: €205k
2019: €186k
2020: €203k
2021: €173k
2022: €176k
2023: €180k
2018 → 2024
Net result
€-10k
2023 · €8k
2018: €-4k
2019: €4k
2020: €25k
2021: €-5k
2022: €16k
2023: €8k
2018 → 2024
Working capital
€130k▼ 9.8%
2023 · €144k
2018: €92k
2019: €106k
2020: €132k
2021: €128k
2022: €136k
2023: €144k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€138k-€133k▼ 3.3%€139k▲ 4.6%€147k▲ 5.8%€137k▼ 7.1%
Operating result€37k-€-1k€22k€13k▼ 42.0%€-10k
Net result€25k-€-5k€16k€8k▼ 50.4%€-10k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €10k after €13k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €171k
Fixed assets
€14k▲ 331%
Current assets
€157k▼ 10.9%
Equity and liabilities €171k
Equity
€137k▼ 7.1%
Debt
€34k▲ 6.1%
The debt ratio rises from 18.0% to 20.0%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-8k▼
2023 · €13k
Cash flow
€-8k▼
2023 · €8k
Solvency
80.0%▼
2023 · 82.0%
Current ratio
5.86▲
2023 · 5.52
Quick ratio
2.45▼
2023 · 2.61
Debt / equity
0.25▲
2023 · 0.22
ROE
-7.6%▼
2023 · 5.4%
ROA
-6.1%▼
2023 · 4.5%
Interest coverage
-5.87▼
2023 · 12.56
Debt
€34k▲
2023 · €32k
Debt ≤ 1 year
€27k▼
2023 · €32k
Debt > 1 year
€7k
Income taxes
€128▼
2023 · €5k
Staff costs
€27k▼
2023 · €31k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€180k€171k▼
Fixed assets21/28€3k€14k▲
Tangible fixed assets22/27€1k€12k▲
Land and buildings22€1k€863▼
Furniture and vehicles24-€11k
Financial fixed assets28€2k€2k=
Current assets29/58€176k€157k▼
Stocks and contracts in progress3€93k€91k▼
Stocks30/36€93k€91k▼
Amounts receivable within one year40/41€55k€45k▼
Trade receivables40€42k€28k▼
Other amounts receivable41€14k€17k▲
Cash at bank and in hand54/58€28k€20k▼
Equity and liabilities
Total equity and liabilities10/49€180k€171k▼
Equity10/15€147k€137k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€129k€118k▼
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€2k€2k=
Other1319€5k€5k=
Distributable reserves133€122k€112k▼
Amounts payable17/49€32k€34k▲
Amounts payable after more than one year17-€7k
Financial debts170/4-€7k
Amounts payable within one year42/48€32k€27k▼
Current portion of amounts payable after more than one year42-€4k
Financial debts43€1k€1k=
Credit institutions430/8€1k€1k=
Trade debts44€23k€14k▼
Suppliers440/4€23k€14k▼
Taxes, remuneration and social security45€2k-
Taxes450/3€300-
Remuneration and social security454/9€2k-
Other amounts payable47/48€6k€7k▲
Accrued charges and deferred income492/3€292-
Income statement
Code20232024
Remuneration, social security and pensions62€31k€27k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€435€2k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€46k€21k▼
Operating profit (loss)9901€13k€-10k▼
Financial income75/76B€823€817▼
Recurring financial income75€823€817▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€13k€-10k▼
Income taxes67/77€5k€128▼
Profit (loss) for the period9904€8k€-10k▼
Profit (loss) for the period to be appropriated9905€8k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-10k▼
Transfer from equity791/2-€10k
Transfer to equity691/2€8k-
To other reserves6921€8k-
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
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-10k ▼230%
Net result drops to €-10k, the lowest in the series.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €25k ▲489%
Operating result €37k, net result €25k, both a record.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
30-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Hamont-Achel · 1 establishment unit since 2002
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.
Merelstraat 83930 Hamont-AchelGround area
1,756 m²
Building footprint
406 m²
Volume, LiDAR
2,579 m³
2 parcels, Flanders · tallest building 15.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Paperpoint
since 20022.101.649.510
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72012C0912/00A000 | Flanders | 1,534 m² | 1 · 187 m² | 0.0 m |
| 72012B0134/00W000 | Flanders | 222 m² | 1 · 220 m² | 15.1 m · 4 fl. |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHamont-Achel2.101.649.510
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RAI'S
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'T HEIKE
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Of 2,319 companies in sector 47621 we hold annual accounts for 1,235. 1,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-02-2002
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
47252Retail sale of beverages, general range
47260Retail trade
47640Retail sale of games and toys
47650Retail trade
52250Logistics services
52489
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.