BRUFICO
ActiveBRUFICO has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €208k and a net result of €14k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 46% of 104 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2026
83
/ 100
Excellent▼ -7 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability34▼-25
Solvency99▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 2.56 against 3.4 in 2025), and 39.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2026Solvency, return and age of the figures
Solvency
60.5%
Return on assets
4.2%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 01-01-2026 was due by 01-08-2026 and was filed on 06-07-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
26 d early
2025
36 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
2 d early
2020
33 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-01-2027 and is due by 01-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today01-01-2027 close01-08-2027 deadline
Financials · fiscal year 2026, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€14k▼ 52.1%
2025 · €30k
2019: €35k
2020: €24k
2021: €24k
2022: €16k
2023: €18k
2024: €31k
2025: €30k
2019 → 2026
Working capital
€206k▼ 17.8%
2025 · €250k
2019: €273k
2020: €268k
2021: €275k
2022: €277k
2023: €273k
2024: €274k
2025: €250k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€287k-€275k▼ 4.1%€276k▲ 0.3%€252k▼ 8.8%€208k▼ 17.5%
Operating result€24k-€29k▲ 20.8%€44k▲ 53.4%€40k▼ 10.1%€22k▼ 45.7%
Net result€16k-€18k▲ 16.1%€31k▲ 69.8%€30k▼ 3.6%€14k▼ 52.1%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2026 is 46% below 2025 and is the lowest year so far.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €343k
Fixed assets
€6k▲ 13.6%
Current assets
€337k▼ 4.9%
Equity and liabilities €343k
Equity
€208k▼ 17.5%
Provisions
€4k=
Debt
€132k▲ 26.0%
The debt ratio rises from 29.0% to 38.3%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€22k▼
2025 · €43k
Cash flow
€15k▼
2025 · €33k
Solvency
60.5%▼
2025 · 69.9%
Current ratio
2.56▼
2025 · 3.40
Quick ratio
2.56▼
2025 · 3.40
Debt / equity
0.63▲
2025 · 0.42
ROE
6.9%▼
2025 · 11.8%
ROA
4.2%▼
2025 · 8.3%
Interest coverage
41.28▼
2025 · 104.27
Debt
€132k▲
2025 · €104k
Debt ≤ 1 year
€132k▲
2025 · €104k
Income taxes
€8k▼
2025 · €14k
Staff costs
€159k▲
2025 · €142k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€360k€343k▼
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€5k€6k▲
Furniture and vehicles24€5k€6k▲
Other tangible fixed assets26€0-
Financial fixed assets28€150€150=
Current assets29/58€355k€337k▼
Amounts receivable after more than one year29€74k€39k▼
Other amounts receivable291€74k€39k▼
Amounts receivable within one year40/41€123k€113k▼
Trade receivables40€112k€102k▼
Other amounts receivable41€12k€11k▼
Current investments50/53€8k€8k=
Cash at bank and in hand54/58€142k€165k▲
Deferred charges and accrued income490/1€7k€11k▲
Equity and liabilities
Total equity and liabilities10/49€360k€343k▼
Equity10/15€252k€208k▼
Contributions10/11€7k€7k=
Reserves13€121k€77k▼
Distributable reserves133€121k€77k▼
Profit (loss) carried forward14€124k€124k=
Provisions and deferred taxes16€4k€4k=
Provisions for liabilities and charges160/5€4k€4k=
Environmental obligations163€4k€4k=
Amounts payable17/49€104k€132k▲
Amounts payable within one year42/48€104k€132k▲
Financial debts43€3k€4k▲
Credit institutions430/8€0-
Other loans439€3k€4k▲
Trade debts44€22k€28k▲
Suppliers440/4€22k€28k▲
Taxes, remuneration and social security45€26k€44k▲
Taxes450/3€7k€23k▲
Remuneration and social security454/9€19k€21k▲
Other amounts payable47/48€54k€55k▲
Income statement
Code20252026
Remuneration, social security and pensions62€142k€159k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€568▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k€-518▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€856€1k▲
Gross operating margin9900€189k€183k▼
Operating profit (loss)9901€40k€22k▼
Financial income75/76B€4k€980▼
Recurring financial income75€4k€980▼
Financial charges65/66B€409€535▲
Recurring financial charges65€409€535▲
Profit (loss) for the period before taxes9903€43k€22k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€30k€14k▼
Profit (loss) for the period to be appropriated9905€30k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€184k€139k▼
Profit (loss) brought forward from the previous period14P€154k€124k▼
Transfer from equity791/2€24k€58k▲
Transfer to equity691/2€30k€14k▼
To the legal reserve6920€0-
To other reserves6921€30k€14k▼
Profit to be distributed694/7€54k€58k▲
Return on contributions (dividend)694€54k€58k▲
The notes to these accounts (11 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 2027, expected by
2026
06-07
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
01-01
Financial
Weakest financial yearnet €14k ▼52.1%
Net result drops to €14k, the lowest in the series.
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 2 establishment units since 1972
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.
Paapsemlaan 11B1070 AnderlechtGround area
6,597 m²
Building footprint
824 m²
Volume, LiDAR
11,676 m³
2 parcels, Brussels · tallest building 18.8 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Eugène Ysayelaan 81, 1070 Anderlecht
since 19722.129.666.870
Paapsemlaan 11, 1070 Anderlecht
since 20162.252.048.901
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0299/00C003 | Brussels | 6,188 m² | 1 · 700 m² | 18.8 m · 5 fl. |
| 21308H0615/00X005 | Brussels | 409 m² | 1 · 124 m² | 14.6 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.
Similar companies · same sector, comparable size
STIJN JANSSENS FISCAAL ADVIESKANTOOR
BE 0872.991.486
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DE LUYKER SERVICES
BE 0438.682.993
Gent · Eq €208k
DEBIT ET CREDIT
BE 0477.484.181
Nivelles · Eq €208k
FIDUSART
BE 0671.738.361
Assesse · Eq €208k
ACE CONSULT
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Stekene · Eq €207k
Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 6,315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-1994
Fiscal year end01-01
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.