bru.digital
Activebru.digital has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €292k and a net result of €18k. Equity is growing by ~22.7% per year across the filed fiscal years. Its solvency ranks better than 90% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability30▼-70
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.28 against 3.49 in 2024), and 18.7% 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
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
81.3%
Return on assets
4.9%
Age of the figures
8 mo
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
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
34 d early
2023
2 d early
2022
40 d early
2021
31 d early
2020
32 d early
2019
30 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€1.19M
EBIT margin
5.1%
Net result
€18k▼ 72.2%
2024 · €63k
2018: €8k
2020: €7k
2021: €34k
2022: €27k
2023: €30k
2024: €63k
2018 → 2025
Working capital
€288k▲ 5.0%
2024 · €274k
2018: €38k
2020: €120k
2021: €154k
2022: €199k
2023: €209k
2024: €274k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.19M-
Equity€154k-€181k▲ 17.6%€211k▲ 16.7%€274k▲ 30.0%€292k▲ 6.4%
Operating result€60k-€40k▼ 33.0%€40k▼ 0.8%€82k▲ 107%€24k▼ 70.7%
Net result€34k-€27k▼ 19.4%€30k▲ 11.1%€63k▲ 110%€18k▼ 72.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 71% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€4k▲ 729%
Current assets
€355k▼ 7.5%
Equity and liabilities €359k
Equity
€292k▲ 6.4%
Debt
€67k▼ 38.8%
The debt ratio falls from 28.6% to 18.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▼
2024 · €84k
Cash flow
€19k▼
2024 · €65k
Solvency
81.3%▲
2024 · 71.4%
Current ratio
5.28▲
2024 · 3.49
Quick ratio
5.28▲
2024 · 3.49
Debt / equity
0.23▼
2024 · 0.40
ROE
6.0%▼
2024 · 23.1%
ROA
4.9%▼
2024 · 16.5%
Interest coverage
167.37▲
2024 · 125.33
Debt
€67k▼
2024 · €110k
Debt ≤ 1 year
€67k▼
2024 · €110k
Income taxes
€6k▼
2024 · €19k
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€384k€359k▼
Fixed assets21/28€531€4k▲
Tangible fixed assets22/27€531€4k▲
Plant, machinery and equipment23€531€4k▲
Current assets29/58€384k€355k▼
Amounts receivable within one year40/41€186k€257k▲
Trade receivables40€176k€248k▲
Other amounts receivable41€10k€9k▼
Cash at bank and in hand54/58€188k€92k▼
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€384k€359k▼
Equity10/15€274k€292k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€207k€224k▲
Amounts payable17/49€110k€67k▼
Amounts payable within one year42/48€110k€67k▼
Trade debts44€48k€15k▼
Suppliers440/4€48k€15k▼
Taxes, remuneration and social security45€62k€52k▼
Taxes450/3€62k€52k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€875€743▼
Gross operating margin9900€85k€26k▼
Operating profit (loss)9901€82k€24k▼
Financial charges65/66B€669€152▼
Recurring financial charges65€669€152▼
Profit (loss) for the period before taxes9903€82k€24k▼
Income taxes67/77€19k€6k▼
Profit (loss) for the period9904€63k€18k▼
Profit (loss) for the period to be appropriated9905€63k€18k▼
Appropriation of the result
Profit (loss) to be appropriated9906€207k€224k▲
Profit (loss) brought forward from the previous period14P€143k€207k▲
The notes to these accounts (4 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 12 days late
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €63k ▲110%
Operating result €82k, net result €63k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €211k ▲16.7%
5 profitable years in a row build equity to €211k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €154k ▲28%
3 profitable years in a row build equity to €154k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €7k ▼15.2%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €120k ▲174%
2 profitable years in a row build equity to €120k.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
09-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 101 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Laarne · 1 establishment unit since 2015
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.
Bulstraat 169270 LaarneGround area
1,146 m²
Building footprint
200 m²
Volume, LiDAR
1,072 m³
Parcel 42010D0424/00D000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
More Group
since 20152.239.814.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42010D0424/00D000 | Flanders | 1,145 m² | 1 · 200 m² | 6.5 m · 2 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
VerDe Company
BE 0534.448.224
Zoersel · Eq €292k
STATELINE
BE 0794.312.214
Evergem · Eq €292k
Photaiq
BE 1009.029.038
Ieper · Eq €292k
LE TRUSQUIN
BE 0431.532.511
Ottignies-Louvain-la-Neuve · Eq €292k
HOMESHOP
BE 0821.400.552
Temse · Eq €291k
Of 12,965 companies in sector 47120 we hold annual accounts for 2,177. 1,280 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-01-2015
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47910Retail trade
46411Wholesale trade
46833Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.
Contact details
1 entryPhone:+3232030370