BRUMAR
ActiveBRUMAR has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €951k and a net result of €139k. Equity is growing by ~20.8% per year across the filed fiscal years. Its solvency ranks better than 70% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-3
Solvency80▲+16
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €70k at 30 days acceptable
Liquidity short (current ratio 1.0 against 0.95 in 2024; short-term debt: 20.9% and cash: 8.1% of total assets), and 44.7% 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
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
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
55.3%
Return on assets
8.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
1 d early
2022
31 d late
2021
29 d late
2020
12 d late
2019
35 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€139k▲ 20.7%
2024 · €115k
2018: €33k
2019: €6k
2020: €142k
2021: €117k
2022: €86k
2023: €129k
2024: €115k
2018 → 2025
Working capital
€-128▲ 99.7%
2024 · €-44k
2018: €180k
2019: €199k
2020: €302k
2021: €431k
2022: €400k
2023: €546k
2024: €-44k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€482k-€568k▲ 17.7%€697k▲ 22.7%€812k▲ 16.5%€951k▲ 17.1%
Operating result€178k-€112k▼ 37.2%€204k▲ 82.3%€175k▼ 14.6%€231k▲ 32.2%
Net result€117k-€86k▼ 27.0%€129k▲ 50.9%€115k▼ 10.8%€139k▲ 20.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 32% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.72M
Fixed assets
€1.36M▲ 1.1%
Current assets
€360k▼ 52.3%
Equity and liabilities €1.72M
Equity
€951k▲ 17.1%
Debt
€770k▼ 40.2%
The debt ratio falls from 61.3% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€282k▲
2024 · €222k
Cash flow
€190k▲
2024 · €163k
Solvency
55.3%▲
2024 · 38.7%
Current ratio
1.00▲
2024 · 0.95
Quick ratio
0.47▼
2024 · 0.71
Debt / equity
0.81▼
2024 · 1.59
ROE
14.6%▲
2024 · 14.2%
ROA
8.1%▲
2024 · 5.5%
Interest coverage
5.35▼
2024 · 14.52
Debt
€770k▼
2024 · €1.29M
Debt ≤ 1 year
€360k▼
2024 · €798k
Debt > 1 year
€410k▼
2024 · €491k
Income taxes
€39k▼
2024 · €49k
Staff costs
€277k▼
2024 · €302k
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€2.10M€1.72M▼
Fixed assets21/28€1.35M€1.36M▲
Tangible fixed assets22/27€146k€161k▲
Land and buildings22€27k€36k▲
Plant, machinery and equipment23€113k€121k▲
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€1.20M€1.20M=
Current assets29/58€754k€360k▼
Stocks and contracts in progress3€187k€190k▲
Stocks30/36€187k€190k▲
Amounts receivable within one year40/41€28k€14k▼
Trade receivables40€9k€5k▼
Other amounts receivable41€19k€9k▼
Cash at bank and in hand54/58€532k€139k▼
Deferred charges and accrued income490/1€6k€17k▲
Equity and liabilities
Total equity and liabilities10/49€2.10M€1.72M▼
Equity10/15€812k€951k▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€713k€713k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€699k€699k=
Profit (loss) carried forward14-€139k
Amounts payable17/49€1.29M€770k▼
Amounts payable after more than one year17€491k€410k▼
Financial debts170/4€491k€410k▼
Amounts payable within one year42/48€798k€360k▼
Current portion of amounts payable after more than one year42€512k€81k▼
Trade debts44€59k€49k▼
Suppliers440/4€59k€49k▼
Taxes, remuneration and social security45€38k€43k▲
Taxes450/3€11k€9k▼
Remuneration and social security454/9€27k€33k▲
Other amounts payable47/48€189k€187k▼
Accrued charges and deferred income492/3-€146
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€302k€277k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€51k▲
Other operating charges640/8€11k€18k▲
Non-recurring operating charges66A€0€0▼
Gross operating margin9900€535k€577k▲
Operating profit (loss)9901€175k€231k▲
Financial income75/76B€5k€243▼
Recurring financial income75€5k€243▼
Financial charges65/66B€15k€53k▲
Recurring financial charges65€15k€53k▲
Profit (loss) for the period before taxes9903€164k€178k▲
Income taxes67/77€49k€39k▼
Profit (loss) for the period9904€115k€139k▲
Profit (loss) for the period to be appropriated9905€115k€139k▲
Appropriation of the result
Profit (loss) to be appropriated9906€115k€139k▲
Transfer to equity691/2€115k€0▼
To other reserves6921€115k€0▼
Social balance
Average headcount (FTE)90879.09.1▲
The notes to these accounts (15 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Equity above €500kEq €568k ▲17.7%
5 profitable years in a row build equity to €568k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2020
31-12
Financial
Highest result since 2018net €142k ▲2216%
Net result €142k, the highest in the series.
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 35 days late
2019
31-12
Financial
Weakest financial yearnet €6k ▼81.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
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, Oud-Heverlee · 1 establishment unit since 1981
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.
Blandenstraat 173A3053 Oud-HeverleeGround area
3,553 m²
Building footprint
1,047 m²
Volume, LiDAR
6,163 m³
2 parcels, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SPAR HAASRODE
since 19812.018.904.550
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24034C0022/00E004 | Flanders | 1,999 m² | 1 · 913 m² | 6.7 m · 2 fl. |
| 24034B0310/00E000 | Flanders | 1,553 m² | 1 · 134 m² | 9.8 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 18,629 EUR awarded · 18,629 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1 EUR | 1 EUR |
| 2024 | 1 | 6,267 EUR | 6,267 EUR |
| 2023 | 1 | 6,098 EUR | 6,098 EUR |
| 2022 | 1 | 6,263 EUR | 6,263 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyOud-Heverlee2.018.904.550
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Of 10,529 companies in sector 47110 we hold annual accounts for 5,858. 2,323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-05-1981
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47114Supermarkets
52114
Sources
Crossroads Bank for EnterprisesNational Bank · 44 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.