BRUMAR
ActiveSummary
BRUMAR has been active since 1981 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €950,831 and a net result of €138,885. Equity is growing by about 21% per year across the filed financial years. Its solvency ranks better than 70% of 5,034 sector peers (NACE 47, financial year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Financials · financial year 2025, full format
In the rankings
#2 oldest company in Oud-Heverlee, Wholesale and retail trade sector#3 company by total assets in Oud-Heverlee, Wholesale and retail trade sector#4 company by equity in Oud-Heverlee, Wholesale and retail trade sector
2025 annual accounts filed late (31 days) Filed on 31 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00475073.
Turnover
≈ €5.5m
Estimated: probably between €4.4m and €7.4m
EBIT margin
Not included in this filing
Net result
€138,885▲ 20.7%
2024 · €115,107
Working capital
-€128▲ 99.7%
2024 · -€43,710
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result recovers in 2025; 2025 is 32% above 2024 and is the highest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€0.2m
2025
Net result€0.1m
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€1.7m
2025
Equity€1.0m
2025
Debt€0.8m
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital-€128
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)8.1%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency55.3%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.00
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)9.1
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€0.05m-€0.01m▼ 74.8%€0.2m▲ 17×€0.2m▼ 15.5%€0.1m▼ 37.2%€0.2m▲ 82.3%€0.2m▼ 14.6%€0.2m▲ 32.2%
Net result€0.03m-€0.006m▼ 81.6%€0.1mabove the sector's middle half▲ 23×€0.1mabove the sector's middle half▼ 17.4%€0.09mwithin the sector's middle half▼ 27.0%€0.1mabove the sector's middle half▲ 50.9%€0.1mwithin the sector's middle half▼ 10.8%€0.1mwithin the sector's middle half▲ 20.7%
Equity€0.3m-€0.3m▲ 2.4%€0.4mwithin the sector's middle half▲ 38.1%€0.5mwithin the sector's middle half▲ 32.1%€0.6mwithin the sector's middle half▲ 17.7%€0.7mwithin the sector's middle half▲ 22.7%€0.8mabove the sector's middle half▲ 16.5%€1.0mwithin the sector's middle half▲ 17.1%
Total assets€0.4m-€0.4m▼ 5.4%€0.6mwithin the sector's middle half▲ 61.9%€0.6mwithin the sector's middle half▲ 2.0%€0.7mwithin the sector's middle half▲ 23.4%€0.9mwithin the sector's middle half▲ 20.3%€2.1mabove the sector's middle half▲ 135%€1.7mwithin the sector's middle half▼ 18.1%
Debt€0.1m-€0.1m▼ 21.1%€0.2m▲ 125%€0.1m▼ 46.6%€0.2m▲ 45.8%€0.2m▲ 12.6%€1.3m▲ 549%€0.8m▼ 40.2%
Working capital€0.2m-€0.2m▲ 11.0%€0.3mwithin the sector's middle half▲ 51.3%€0.4mwithin the sector's middle half▲ 43.1%€0.4mwithin the sector's middle half▼ 7.2%€0.5mabove the sector's middle half▲ 36.5%-€0.04mbelow the sector's middle half-€128below the sector's middle half▲ 99.7%
Solvency66.9%-72.4%▲ 5.5pp61.7%above the sector's middle half▼ 10.7pp80.0%above the sector's middle half▲ 18.2pp76.3%above the sector's middle half▼ 3.6pp77.8%above the sector's middle half▲ 1.5pp38.7%within the sector's middle half▼ 39.2pp55.3%within the sector's middle half▲ 16.6pp
Current ratio2.65-3.17▲ 0.522.35within the sector's middle half▼ 0.824.58above the sector's middle half▲ 2.234.71above the sector's middle half▲ 0.134.34above the sector's middle half▼ 0.370.95below the sector's middle half▼ 3.391.00below the sector's middle half▲ 0.05
Return on assets (ROA)8.6%-1.7%▼ 6.9pp24.0%above the sector's middle half▲ 22.3pp19.4%above the sector's middle half▼ 4.6pp11.5%above the sector's middle half▼ 7.9pp14.4%above the sector's middle half▲ 2.9pp5.5%within the sector's middle half▼ 8.9pp8.1%within the sector's middle half▲ 2.6pp
Staff (FTE)22.9-28.5▲ 24.5%24.2above the sector's middle half▼ 15.1%18.7above the sector's middle half▼ 22.7%13.9above the sector's middle half▼ 25.7%16.5above the sector's middle half▲ 18.7%9above the sector's middle half▼ 45.5%9.1within the sector's middle half▲ 1.1%
above
within
below
the middle half of NACE 47, Retail trade: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets
€1.4m ▲ 1.1%
Current assets
€359,550 ▼ 52.3%
Equity and liabilities €1.7m
Equity
€950,831 ▲ 17.1%
Debt
€769,947 ▼ 40.2%
Debt's share of the balance-sheet total falls from 61.3% to 44.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€282,024▲
2024 · €222,176
Cash flow
€190,109▲
2024 · €162,733
Quick ratio
0.47▼
2024 · 0.71
Debt to equity
0.81▼
2024 · 1.59
ROE
14.6%▲
2024 · 14.2%
Interest coverage
5.35▼
2024 · 14.52
Debt ≤ 1 year
€359,678▼
2024 · €797,618
Debt > 1 year
€410,123▼
2024 · €490,772
Income taxes
€39,469▼
2024 · €48,726
Staff costs
€276,844▼
2024 · €301,797
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €5,250 | €0 | - | - |
| Remuneration, social security and pensions62 | - | - | - | €334,766 | €341,964 | €314,240 | €301,797 | €276,844 | ▼ 8.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €39,004 | €27,411 | €18,016 | €18,205 | €19,472 | €49,689 | €47,626 | €51,224 | ▲ 7.6% |
| Other operating charges640/8 | - | - | - | €11,068 | €13,455 | €16,226 | €11,139 | €17,692 | ▲ 58.8% |
| Non-recurring operating charges66A | - | - | - | - | €48 | €0 | €0 | €0 | ▼ 100% |
| Gross operating margin9900 | €392,506 | €347,763 | €554,160 | €542,511 | €487,028 | €584,443 | €535,112 | €576,560 | ▲ 7.7% |
| Operating profit (loss)9901 | €50,606 | €12,764 | €211,298 | €178,473 | €112,089 | €204,289 | €174,550 | €230,800 | ▲ 32.2% |
| Financial income75/76B | - | - | - | €9 | €47 | €15 | €4,586 | €243 | ▼ 94.7% |
| Recurring financial income75 | €21 | €0 | €0 | €9 | €47 | €15 | €4,586 | €243 | ▼ 94.7% |
| Financial charges65/66B | - | - | - | €5,122 | €5,458 | €16,375 | €15,303 | €52,689 | ▲ 244% |
| Recurring financial charges65 | €4,618 | €3,056 | €6,092 | €5,122 | €5,458 | €16,375 | €15,303 | €52,689 | ▲ 244% |
| Profit (loss) for the period before taxes9903 | €46,009 | €9,708 | €205,207 | €173,360 | €106,679 | €187,929 | €163,833 | €178,354 | ▲ 8.9% |
| Income taxes67/77 | €12,757 | €3,587 | €63,437 | €56,235 | €21,160 | €58,887 | €48,726 | €39,469 | ▼ 19.0% |
| Profit (loss) for the period9904 | €33,252 | €6,120 | €141,769 | €117,125 | €85,519 | €129,042 | €115,107 | €138,885 | ▲ 20.7% |
| Transfer from tax-exempt reserves789 | - | - | - | €18,301 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €33,252 | €6,120 | €141,769 | €135,426 | €85,519 | €129,042 | €115,107 | €138,885 | ▲ 20.7% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €0.4m | €0.4m | €0.6m | €0.6m | €0.7m | €0.9m | €2.1m | €1.7m | ▼ 18.1% |
| Fixed assets21/28 | €0.1m | €0.07m | €0.07m | €0.05m | €0.2m | €0.2m | €1.3m | €1.4m | ▲ 1.1% |
| Tangible fixed assets22/27 | €0.09m | €0.07m | €0.06m | €0.05m | €0.2m | €0.2m | €0.1m | €0.2m | ▲ 10.1% |
| Land and buildings22 | - | - | - | €0.03m | €0.03m | €0.02m | €0.03m | €0.04m | ▲ 33.5% |
| Plant, machinery and equipment23 | - | - | - | €0.01m | €0.2m | €0.2m | €0.1m | €0.1m | ▲ 7.3% |
| Furniture and vehicles24 | - | - | - | €0.002m | €0.008m | €0.007m | €0.005m | €0.003m | ▼ 42.5% |
| Other tangible fixed assets26 | - | - | - | - | €0.002m | €0.002m | €0.002m | €0.001m | ▼ 16.4% |
| Financial fixed assets28 | €0.003m | €0.004m | €0.004m | €0.004m | €0.004m | €477 | €1.2m | €1.2m | = |
| Current assets29/58 | €0.3m | €0.3m | €0.5m | €0.6m | €0.5m | €0.7m | €0.8m | €0.4m | ▼ 52.3% |
| Stocks and contracts in progress3 | €0.07m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | ▲ 1.3% |
| Stocks30/36 | - | - | - | €0.1m | €0.1m | €0.1m | €0.2m | €0.2m | ▲ 1.3% |
| Amounts receivable within one year40/41 | €0.03m | €0.04m | €0.05m | €0.02m | €0.07m | €0.04m | €0.03m | €0.01m | ▼ 49.4% |
| Trade receivables40 | - | - | - | €0.01m | €0.02m | €0.02m | €0.009m | €0.005m | ▼ 46.1% |
| Other amounts receivable41 | - | - | - | €0.01m | €0.05m | €0.01m | €0.02m | €0.009m | ▼ 51.0% |
| Cash at bank and in hand54/58 | €0.2m | €0.1m | €0.3m | €0.4m | €0.3m | €0.5m | €0.5m | €0.1m | ▼ 74.0% |
| Deferred charges and accrued income490/1 | - | - | - | €0.005m | €0.004m | €0.003m | €0.006m | €0.02m | ▲ 182% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €0.4m | €0.4m | €0.6m | €0.6m | €0.7m | €0.9m | €2.1m | €1.7m | ▼ 18.1% |
| Equity10/15 | €0.3m | €0.3m | €0.4m | €0.5m | €0.6m | €0.7m | €0.8m | €1.0m | ▲ 17.1% |
| Contributions10/11 | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Capital10 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Issued capital100 | - | - | - | €0.1m | €0.1m | €0.1m | €0.1m | €0.1m | = |
| Reserves13 | €0.2m | €0.2m | €0.3m | €0.4m | €0.5m | €0.6m | €0.7m | €0.7m | = |
| Non-distributable reserves130/1 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Legal reserve130 | - | - | - | €0.01m | €0.01m | €0.01m | €0.01m | €0.01m | = |
| Tax-exempt reserves132 | - | - | - | €0.004m | €0.004m | €0.004m | €0.004m | €0.004m | = |
| Distributable reserves133 | - | - | - | €0.4m | €0.5m | €0.6m | €0.7m | €0.7m | = |
| Profit (loss) carried forward14 | - | - | - | - | - | - | - | €0.1m | - |
| Amounts payable17/49 | €0.1m | €0.1m | €0.2m | €0.1m | €0.2m | €0.2m | €1.3m | €0.8m | ▼ 40.2% |
| Amounts payable after more than one year17 | €0.02m | €0.009m | €0.003m | - | €0.07m | €0.03m | €0.5m | €0.4m | ▼ 16.4% |
| Financial debts170/4 | - | - | - | - | €0.07m | €0.03m | €0.5m | €0.4m | ▼ 16.4% |
| Amounts payable within one year42/48 | €0.1m | €0.09m | €0.2m | €0.1m | €0.1m | €0.2m | €0.8m | €0.4m | ▼ 54.9% |
| Current portion of amounts payable after more than one year42 | - | - | - | €0.02m | €0.05m | €0.03m | €0.5m | €0.08m | ▼ 84.3% |
| Trade debts44 | €0.004m | €0.03m | €0.07m | €0.05m | €0.03m | €0.03m | €0.06m | €0.05m | ▼ 16.7% |
| Suppliers440/4 | - | - | - | €0.05m | €0.03m | €0.03m | €0.06m | €0.05m | ▼ 16.7% |
| Taxes, remuneration and social security45 | - | - | - | €0.05m | €0.03m | €0.09m | €0.04m | €0.04m | ▲ 13.5% |
| Taxes450/3 | - | - | - | €0.02m | €0.001m | €0.07m | €0.01m | €0.009m | ▼ 13.8% |
| Remuneration and social security454/9 | - | - | - | €0.04m | €0.03m | €0.03m | €0.03m | €0.03m | ▲ 24.7% |
| Other amounts payable47/48 | - | - | - | €0.001m | €0.001m | €0.001m | €0.2m | €0.2m | ▼ 0.8% |
| Accrued charges and deferred income492/3 | - | - | - | €287 | €257 | €0 | - | €146 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €0.03m | €0.006m | €0.1m | €0.1m | €0.09m | €0.1m | €0.1m | €0.1m | ▲ 20.7% |
| + Depreciation and write-downs630 | €0.04m | €0.03m | €0.02m | €0.02m | €0.02m | €0.05m | €0.05m | €0.05m | ▲ 7.6% |
| Operating cash flow (approximation) | €0.07m | €0.03m | €0.2m | €0.1m | €0.1m | €0.2m | €0.2m | €0.2m | ▲ 16.8% |
| Investment in fixed assets (approximation) | - | -€0.004m | -€0.01m | -€0.003m | -€0.2m | €0.001m | -€1.2m | -€0.07m | ▲ 94.5% |
| Change in cash | - | -€0.03m | €0.2m | €0.05m | -€0.09m | €0.2m | €0.006m | -€0.4m | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Latest 10 of 44 filings with the National Bank
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | full format | 31-08-2026 | 2026-00475073 |
| 31-12-2024 | abbreviated format | 29-08-2025 | 2025-00444928 |
| 31-12-2023 | abbreviated format | 30-07-2024 | 2024-00306798 |
| 31-12-2022 | abbreviated format | 31-08-2023 | 2023-00430464 |
| 31-12-2021 | abbreviated format | 29-08-2022 | 2022-20347890 |
| 31-12-2020 | abbreviated format | 12-08-2021 | 2021-48200357 |
| 31-12-2019 | abbreviated format | 04-09-2020 | 2020-51300372 |
| 31-12-2018 | abbreviated format | 22-08-2019 | 2019-48900212 |
| 31-12-2017 | abbreviated format | 31-08-2018 | 2018-59400141 |
| 31-12-2016 | abbreviated format | 31-08-2017 | 2017-58100471 |
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Of the 10,336 active companies whose main activity is non-specialised retail sale with food, beverages or tobacco predominating (NACE 47110), figures are known for 6,013. 2,341 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Subsidies and aid
Flemish government
2022 to 2025 · 4 entries · €18,629 awarded · €18,629 paid| Year | Entries | Awarded | Paid |
|---|---|---|---|
| 2025 | 1 | €1 | €1 |
| 2024 | 1 | €6,267 | €6,267 |
| 2023 | 1 | €6,098 | €6,098 |
| 2022 | 1 | €6,263 | €6,263 |
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.