BRUMA S.D.

Active

Private limited companyfounded 20223 yrs activeBergensesteenweg 24, 1600 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0791.577.309

The computed 12-month bankruptcy probability of BRUMA S.D. is 3.3% (moderate). The 2024 annual accounts show equity of €54k and a net result of €26k. Its solvency ranks better than 68% of 9981 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

62 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability95▼-5

Solvency84▲+20

Growth85

Track record94

Bankruptcy probability, 12 months

3.3% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.05 against 1.42 in 2023; short-term debt: 40.9% and cash: 3.7% of total assets), and 40.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

not confirmed

2024

17 d early

2023

28 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€225k▲ 54.2%

2023 · €146k

2023: €146k

2023 → 2024

EBIT margin

14.7%▼ 4.3pp

2023 · 19.0%

2023: 19.0%

2023 → 2024

Net result

€26k▲ 20.4%

2023 · €21k

2023: €21k

2023 → 2024

Working capital

€39k▲ 115%

2023 · €18k

2023: €18k

2023 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232024Trend

Turnover€146k-€225k▲ 54.2%

Equity€28k-€54k▲ 90.7%

Operating result€28k-€33k▲ 19.3%

Net result€21k-€26k▲ 20.4%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result rises in 2024; 2024 is 19% above 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €90k

15.0%

85.0%

Fixed assets €14k▲ 34.1%

Current assets €77k▲ 24.0%

Equity and liabilities €91k

59.1%

40.9%

Equity €54k▲ 90.7%

Debt €37k▼ 14.2%

The debt ratio falls from 60.6% to 40.9%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€36k▲

2023 · €30k

Cash flow

€29k▲

2023 · €23k

Solvency

59.1%▲

2023 · 39.4%

Current ratio

2.05▲

2023 · 1.42

Quick ratio

2.03▲

2023 · 1.40

Debt / equity

0.69▼

2023 · 1.54

ROE

47.5%▼

2023 · 75.3%

ROA

28.1%▼

2023 · 29.7%

Interest coverage

57.57▼

2023 · 174.91

Debt

€37k▼

2023 · €43k

Debt ≤ 1 year

€37k▼

2023 · €43k

Income taxes

€7k▲

2023 · €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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€72k€91k▲

Formation expenses20€0€1k▲

Fixed assets21/28€10k€14k▲

Intangible fixed assets21€7k€4k▼

Tangible fixed assets22/27€3k€8k▲

Plant, machinery and equipment23€382€295▼

Furniture and vehicles24€3k€7k▲

Financial fixed assets28€179€2k▲

Current assets29/58€62k€77k▲

Stocks and contracts in progress3€625€625=

Stocks30/36€625€625=

Amounts receivable within one year40/41€50k€72k▲

Trade receivables40€21k€29k▲

Other amounts receivable41€29k€43k▲

Cash at bank and in hand54/58€11k€3k▼

Equity and liabilities

Total equity and liabilities10/49€72k€91k▲

Equity10/15€28k€54k▲

Contributions10/11€7k€7k=

Profit (loss) carried forward14€21k€47k▲

Amounts payable17/49€43k€37k▼

Amounts payable within one year42/48€43k€37k▼

Trade debts44€20k€20k▲

Suppliers440/4€20k€20k▲

Taxes, remuneration and social security45€12k€15k▲

Taxes450/3€12k€15k▲

Other amounts payable47/48€12k€2k▼

Income statement Code20232024

Turnover70€146k€225k▲

Non-recurring operating income76A€0-

Goods, raw materials, services and sundry goods60/61€111k€182k▲

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲

Other operating charges640/8€5k€6k▲

Non-recurring operating charges66A-€1k

Gross operating margin9900€35k€43k▲

Operating profit (loss)9901€28k€33k▲

Financial income75/76B-€0

Recurring financial income75-€0

Financial charges65/66B€170€631▲

Recurring financial charges65€170€631▲

Profit (loss) for the period before taxes9903€27k€32k▲

Income taxes67/77€6k€7k▲

Profit (loss) for the period9904€21k€26k▲

Profit (loss) for the period to be appropriated9905€21k€26k▲

Appropriation of the result

Profit (loss) to be appropriated9906€21k€47k▲

Profit (loss) brought forward from the previous period14P-€21k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

2025

14-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

03-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

NBB filing

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, Sint-Pieters-Leeuw · 2 establishment units since 2022

establishment All 2 establishment units on the map

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.

Bergensesteenweg 241600 Sint-Pieters-Leeuw

Ground area

1,989 m²

Building footprint

620 m²

Volume, LiDAR

5,420 m³

3 parcels, Flanders, Wallonia · tallest building 13.2 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

CARDIAL

Grand'Place(MLZ) 5, 7140 MorlanwelzCafés and bars

since 20222.336.129.489

BRUMA S.D.

Rue Maximilien Duvivier (CAR) 1, 7141 MorlanwelzNon-specialised retail sale with food, beverages or tobacco predominating

since 20252.370.117.794

3 parcels

Flanders 1 (33.3%) Wallonia 2 (66.7%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23077A0118/00W082	Flanders	1,638 m²	1 · 398 m²	9.5 m · 3 fl.
56015B0094/00L005	Wallonia	195 m²	1 · 144 m²	10.9 m · 3 fl.
56057A0882/00N000	Wallonia	156 m²	1 · 79 m²	13.2 m · 4 fl.