BRUERS G.
ActiveThe computed 12-month bankruptcy probability of BRUERS G. is 1.8% (moderate). The 2025 annual accounts show equity of €17k and a net result of €-8k. Equity is shrinking by ~23% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 57% of 13306 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-89
Solvency64▼-9
Growth32=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.33 against 1.64 in 2024; short-term debt: 61.4% and cash: 74.9% of total assets), and 61.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
38.6%
Return on assets
-17.6%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
28 d early
2023
23 d early
2022
21 d early
2021
9 d late
2020
3 d early
2019
42 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 28.5%
2024 · €24k
2019: €70k
2020: €54k
2021: €32k
2022: €33k
2023: €33k
2024: €24k
2019 → 2025
Total assets
€45k▼ 11.4%
2024 · €50k
2019: €103k
2020: €63k
2021: €62k
2022: €53k
2023: €70k
2024: €50k
2019 → 2025
Net result
€-8k
2024 · €8k
2019: €16k
2020: €-16k
2021: €-2k
2022: €15k
2023: €10k
2024: €8k
2019 → 2025
Working capital
€9k▼ 46.5%
2024 · €17k
2019: €75k
2020: €55k
2021: €31k
2022: €33k
2023: €30k
2024: €17k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€33k▲ 3.5%€33k▲ 0.4%€24k▼ 27.3%€17k▼ 28.5%
Operating result€-2k-€15k€10k▼ 30.9%€10k▼ 7.5%€-7k
Net result€-2k-€15k€10k▼ 30.6%€8k▼ 19.8%€-8k
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 2025: a loss of €7k after €10k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€8k▲ 12.8%
Current assets
€36k▼ 15.5%
Equity and liabilities €45k
Equity
€17k▼ 28.5%
Debt
€27k▲ 4.3%
The debt ratio rises from 52.2% to 61.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-6k▼
2024 · €11k
Cash flow
€-7k▼
2024 · €9k
Solvency
38.6%▼
2024 · 47.8%
Current ratio
1.33▼
2024 · 1.64
Quick ratio
1.28▼
2024 · 1.55
Debt / equity
1.59▲
2024 · 1.09
ROE
-45.7%▼
2024 · 34.3%
ROA
-17.6%▼
2024 · 16.4%
Interest coverage
-13.85▼
2024 · 31.66
Debt
€27k▲
2024 · €26k
Debt ≤ 1 year
€27k▲
2024 · €26k
Income taxes
€22▼
2024 · €1k
Staff costs
€17k▲
2024 · €6k
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€50k€45k▼
Fixed assets21/28€7k€8k▲
Tangible fixed assets22/27€7k€8k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€5k€7k▲
Current assets29/58€43k€36k▼
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€119€2k▲
Trade receivables40-€750
Other amounts receivable41€119€978▲
Cash at bank and in hand54/58€40k€33k▼
Equity and liabilities
Total equity and liabilities10/49€50k€45k▼
Equity10/15€24k€17k▼
Contributions10/11€6k€6k=
Reserves13€18k€11k▼
Distributable reserves133€18k€11k▼
Amounts payable17/49€26k€27k▲
Amounts payable within one year42/48€26k€27k▲
Current portion of amounts payable after more than one year42€800-
Trade debts44€2k€10k▲
Suppliers440/4€2k€10k▲
Taxes, remuneration and social security45€2k€11k▲
Taxes450/3€2k€9k▲
Remuneration and social security454/9-€1k
Other amounts payable47/48€22k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€6k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€1k€120▼
Gross operating margin9900€18k€10k▼
Operating profit (loss)9901€10k€-7k▼
Financial income75/76B-€1
Recurring financial income75-€1
Financial charges65/66B€336€455▲
Recurring financial charges65€336€455▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€9k€-8k▼
Income taxes67/77€1k€22▼
Profit (loss) for the period9904€8k€-8k▼
Profit (loss) for the period to be appropriated9905€8k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-8k▼
Transfer from equity791/2€16k€8k▼
Transfer to equity691/2€7k-
To other reserves6921€7k-
Profit to be distributed694/7€17k-
Return on contributions (dividend)694€17k-
The notes to these accounts (7 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
09-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-16k ▼201%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 9.52
Current ratio from 4.02 to 9.52; short-term debt falls from €25k to €6k.
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
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
5 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, Mechelen · 1 establishment unit since 2011
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.
Frans Reyniersstraat(HOM) 382811 MechelenGround area
101 m²
Building footprint
96 m²
Volume, LiDAR
714 m³
Parcel 12016B0029/00H000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
DEN BRUINVIS
since 20112.199.962.770
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12016B0029/00H000 | Flanders | 101 m² | 1 · 96 m² | 11.1 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteMechelen2.199.962.770
Similar companies · same sector, comparable size
KADE
BE 0475.373.640
Heist-op-den-Berg · Eq €17k
LE PLUS 2
BE 0733.835.682
Namur · Eq €17k
Karaoké Sablon
BE 0776.518.652
Brussel · Eq €17k
MARTIN-COCHEZ-KOLBUSZ
BE 1012.844.603
Soignies · Eq €17k
TIM MICHELS
BE 0828.883.311
Lennik · Eq €17k
Of 14,023 companies in sector 56301 we hold annual accounts for 4,893. 3,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-06-2011
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.