Summary
BRUDE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €370,313 and a net result of -€129. Equity is growing by ~27.5% per year across the filed fiscal years. Its solvency ranks better than 88% of 8091 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-08-2026, 22 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
22 d late
2024
25 d late
2023
29 d late
2022
on the day
2021
30 d late
2020
13 d late
2019
60 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
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. Usually files around 25 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€370,313=
2024 · €370,442
Net result
-€129
2024 · €96,510
Total assets
€409,502▼ 2.5%
2024 · €420,186
Solvency
90.4%▲ 2.3pp
2024 · 88.2%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€74,333▲ 59.4%€90,747▲ 22.1%€87,140▼ 4.0%€119,533▲ 37.2%€277▼ 99.8%
Net result€57,012within the sector's middle half▲ 68.8%€81,539above the sector's middle half▲ 43.0%€68,697within the sector's middle half▼ 15.7%€96,510above the sector's middle half▲ 40.5%-€129below the sector's middle half
Equity€148,697within the sector's middle half▲ 62.2%€205,236within the sector's middle half▲ 38.0%€273,932within the sector's middle half▲ 33.5%€370,442within the sector's middle half▲ 35.2%€370,313within the sector's middle half=
Total assets€233,340within the sector's middle half▲ 41.2%€302,532within the sector's middle half▲ 29.7%€326,361within the sector's middle half▲ 7.9%€420,186within the sector's middle half▲ 28.7%€409,502within the sector's middle half▼ 2.5%
Debt€84,643▲ 15.1%€97,297▲ 14.9%€52,429▼ 46.1%€49,744▼ 5.1%€39,189▼ 21.2%
Working capital€161,504above the sector's middle half▲ 73.2%€177,470above the sector's middle half▲ 9.9%€259,155above the sector's middle half▲ 46.0%€367,010above the sector's middle half▲ 41.6%€379,959above the sector's middle half▲ 3.5%
Solvency63.7%within the sector's middle half▲ 8.2pp67.8%within the sector's middle half▲ 4.1pp83.9%above the sector's middle half▲ 16.1pp88.2%above the sector's middle half▲ 4.2pp90.4%above the sector's middle half▲ 2.3pp
Current ratio3.96within the sector's middle half▲ 0.813.64within the sector's middle half▼ 0.3212.55above the sector's middle half▲ 8.9219.59above the sector's middle half▲ 7.0342.35above the sector's middle half▲ 22.76
Return on assets (ROA)24.4%above the sector's middle half▲ 4.0pp27.0%above the sector's middle half▲ 2.5pp21.0%within the sector's middle half▼ 5.9pp23.0%within the sector's middle half▲ 1.9pp0.0%below the sector's middle half▼ 23.0pp
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 100% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €409,502
Fixed assets
€20,354 ▼ 39.1%
Current assets
€389,148 ▲ 0.6%
Equity and liabilities €409,502
Equity
€370,313 =
Debt
€39,189 ▼ 21.2%
Debt's share of the balance-sheet total falls from 11.8% to 9.6%. Debt is lower.
Key figures and ratios
ROE
0.0%▼
2024 · 26.1%
Debt ≤ 1 year
€9,189▼
2024 · €19,744
Debt > 1 year
€30,000=
2024 · €30,000
Income taxes
€1,085▼
2024 · €26,311
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,226 | €8,703 | €13,995 | €13,658 | €13,908 | ▲ 1.8% |
| Other operating charges640/8 | €946 | €2,265 | €979 | €1,014 | €852 | ▼ 16.0% |
| Gross operating margin9900 | €86,504 | €101,716 | €102,113 | €134,206 | €15,037 | ▼ 88.8% |
| Operating profit (loss)9901 | €74,333 | €90,747 | €87,140 | €119,533 | €277 | ▼ 99.8% |
| Financial income75/76B | €1 | €13,229 | €460 | €3,843 | €1,500 | ▼ 61.0% |
| Recurring financial income75 | €1 | €479 | €460 | €3,843 | €1,500 | ▼ 61.0% |
| Non-recurring financial income76B | - | €12,750 | - | - | - | - |
| Financial charges65/66B | €727 | €1,289 | €720 | €555 | €821 | ▲ 48.0% |
| Recurring financial charges65 | €727 | €1,289 | €720 | €555 | €821 | ▲ 48.0% |
| Profit (loss) for the period before taxes9903 | €73,606 | €102,688 | €86,880 | €122,821 | €956 | ▼ 99.2% |
| Income taxes67/77 | €16,594 | €21,149 | €18,183 | €26,311 | €1,085 | ▼ 95.9% |
| Profit (loss) for the period9904 | €57,012 | €81,539 | €68,697 | €96,510 | -€129 | ▼ 100% |
| Profit (loss) for the period to be appropriated9905 | €57,012 | €81,539 | €68,697 | €96,510 | -€129 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €233,340 | €302,532 | €326,361 | €420,186 | €409,502 | ▼ 2.5% |
| Fixed assets21/28 | €17,193 | €57,765 | €44,777 | €33,432 | €20,354 | ▼ 39.1% |
| Tangible fixed assets22/27 | €17,193 | €57,765 | €44,777 | €33,432 | €20,354 | ▼ 39.1% |
| Plant, machinery and equipment23 | - | €1,228 | €1,666 | €899 | €776 | ▼ 13.6% |
| Furniture and vehicles24 | €14,643 | €55,687 | €43,111 | €32,533 | €19,577 | ▼ 39.8% |
| Other tangible fixed assets26 | €2,550 | €850 | - | - | - | - |
| Current assets29/58 | €216,147 | €244,767 | €281,584 | €386,754 | €389,148 | ▲ 0.6% |
| Amounts receivable within one year40/41 | €22,422 | €35,605 | €29,009 | €38,130 | €34,327 | ▼ 10.0% |
| Trade receivables40 | €21,568 | €22,555 | €20,836 | €25,590 | €6,861 | ▼ 73.2% |
| Other amounts receivable41 | €854 | €13,050 | €8,173 | €12,539 | €27,467 | ▲ 119% |
| Current investments50/53 | - | - | €252,576 | €250,000 | - | - |
| Cash at bank and in hand54/58 | €185,243 | €209,162 | - | €98,624 | €354,821 | ▲ 260% |
| Deferred charges and accrued income490/1 | €8,482 | - | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €233,340 | €302,532 | €326,361 | €420,186 | €409,502 | ▼ 2.5% |
| Equity10/15 | €148,697 | €205,236 | €273,932 | €370,442 | €370,313 | = |
| Contributions10/11 | €18,550 | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €130,147 | €186,686 | €255,382 | €351,892 | €351,763 | = |
| Distributable reserves133 | €130,147 | €186,686 | €255,382 | €351,892 | €351,763 | = |
| Amounts payable17/49 | €84,643 | €97,297 | €52,429 | €49,744 | €39,189 | ▼ 21.2% |
| Amounts payable after more than one year17 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Other amounts payable178/9 | €30,000 | €30,000 | €30,000 | €30,000 | €30,000 | = |
| Amounts payable within one year42/48 | €54,643 | €67,297 | €22,429 | €19,744 | €9,189 | ▼ 53.5% |
| Trade debts44 | €14,260 | €8,970 | €5,153 | €7,065 | €8,203 | ▲ 16.1% |
| Suppliers440/4 | €14,260 | €8,970 | €5,153 | €7,065 | €8,203 | ▲ 16.1% |
| Taxes, remuneration and social security45 | €40,383 | €33,327 | €17,276 | €12,678 | €986 | ▼ 92.2% |
| Taxes450/3 | €40,383 | €33,319 | €17,276 | €12,678 | €978 | ▼ 92.3% |
| Remuneration and social security454/9 | - | €8 | - | - | €8 | - |
| Other amounts payable47/48 | - | €25,000 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €57,012 | €81,539 | €68,697 | €96,510 | -€129 | ▼ 100% |
| + Depreciation and write-downs630 | €11,226 | €8,703 | €13,995 | €13,658 | €13,908 | ▲ 1.8% |
| Operating cash flow (approximation) | €68,238 | €90,242 | €82,692 | €110,168 | €13,779 | ▼ 87.5% |
| Investment in fixed assets (approximation) | - | -€49,276 | -€1,007 | -€2,313 | -€830 | ▲ 64.1% |
| Change in cash | - | €23,919 | - | - | €256,197 | - |
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
22-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 22 days late
2025
31-12
Financial
Weakest financial yearnet -€129
Net result drops to -€129, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 42.35
Current ratio from 19.59 to 42.35; short-term debt falls from €19,744 to €9,189.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
04-03
State Gazette act
General meeting · Director resignation
Board composition · Permanent representative
2024
31-12
Financial
Highest result since 2019net €96,510 ▲40.5%
Operating result €119,533, net result €96,510, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 12.55
Current ratio from 3.64 to 12.55; short-term debt falls from €67,297 to €22,429.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200,000Eq €205,236 ▲38%
4 profitable years in a row build equity to €205,236.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100,000Eq €148,697 ▲62.2%
3 profitable years in a row build equity to €148,697.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Brugge · 1 establishment unit since 2018
Ground area
906 m²
Building footprint
122 m²
Volume, LiDAR
722 m³
Parcel 31434C0204/00H004, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BRUDE
since 20182.278.506.244
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0204/00H004 | Flanders | 906 m² | 1 · 122 m² | 8.4 m · 2 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.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,771 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
Founded17-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0699973180
Registered
27-03-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.