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Brume

Active
Private limited companyfounded 20233 yrs activeNatveld 31, 3740 Bilzen-Hoeselt, BelgiumKBO/BCE: BE 0797.248.542
Summary

The computed 12-month bankruptcy probability of Brume is 2.0% (moderate). The 2025 annual accounts show negative equity (-€143,124) and a net result of -€50,900. Equity is shrinking by ~56.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 1317 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Score 2025
Axes · tick = 2024
Profitability13▲+9
Solvency11▲+6
Growth32=
Track record94
Bankruptcy probability, 12 months
2.0% Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.24 against 0.0 in 2024; short-term debt: 56.2% and cash: 12.9% of total assets), and equity is negative.
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Signals

Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · 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
highest failure risk from 2 to 8 years 3 years 0 10 y
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 2025
Solvency, return and age of the figures
Solvency
-14.1%
Return on assets
-5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Accommodation (NACE 55)
about 6% more bankruptcies
← fewer bankruptcies more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025
Equity per financial year
232425
2023 to 2025 · latest year -€143,124
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 21-07-2026, 10 days ahead of the deadline.
NBB · 3 filings
Deviation from the deadline
2025
10 d early
2024
31 d early
2023
61 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 3 accounts on average 7 days after the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 45% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

On 17 January 2023, Brume was incorporated as a Private limited company.1 Total assets went from EUR 445,352 in 2023 to EUR 1 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2023 and 2025

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Financials · fiscal year 2025, micro schema

Equity
-€143,124▼ 55.2%
2024 · -€92,224
Total assets
€1.0m▲ 119%
2024 · €465,787
Net result
-€50,900▲ 5.0%
2024 · -€53,584
Working capital
-€437,910▲ 21.2%
2024 · -€555,773
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line202320242025
Operating result-€37,733--€36,903▲ 2.2%-€37,185▼ 0.8%
Net result-€48,639--€53,584▼ 10.2%-€50,900▲ 5.0%
Equity-€38,639--€92,224▼ 139%-€143,124▼ 55.2%
Total assets€445,352-€465,787▲ 4.6%€1.0m▲ 119%
Debt€483,992-€558,011▲ 15.3%€1.2m▲ 108%
Working capital-€479,882--€555,773▼ 15.8%-€437,910▲ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€60,000-€40,000-€20,000€0Operating result 2023: -€37,733-€37,733Net result 2023: -€48,639-€48,639Operating result 2024: -€36,903-€36,903Net result 2024: -€53,584-€53,584Operating result 2025: -€37,185-€37,185Net result 2025: -€50,900-€50,900202320242025-€60,000-€40,000-€20,000€0Operating result 2023: -€37,733-€37,700Net result 2023: -€48,639-€48,600Operating result 2024: -€36,903-€36,900Net result 2024: -€53,584-€53,600Operating result 2025: -€37,185-€37,200Net result 2025: -€50,900-€50,900202320242025
The operating result stays negative: a loss of €37,185 in 2025 against €36,903 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.0m
Fixed assets €883,659 ▲ 90.6%
Current assets €134,747 ▲ 5,921%
Key figures and ratios
2025 value · change against 2024
EBITDA
-€20,833▲
2024 · -€25,675
Cash flow
-€34,547▲
2024 · -€42,356
Solvency
-14.1%▲
2024 · -19.8%
Current ratio
0.24▲
2024 · 0.00
Debt to equity
-8.12▼
2024 · -6.05
ROA
-5.0%▲
2024 · -11.5%
Interest coverage
-1.52▲
2024 · -1.54
Debt ≤ 1 year
€572,657▲
2024 · €558,011
Debt > 1 year
€588,873
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 1,253 companies that looked in July 2024 the way this one looks now, 0.9% went bankrupt within 24 months and 96% are still going.

  • Small
  • 2 to 5 years old
  • negative equity
  • a small loss
0.9% went bankrupt
2.2% stopped otherwise
96% still going

A further 0.5% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a higher bankruptcy probability: 2.0% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 1,253 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€465,787€1.0m▲
Fixed assets21/28€463,550€883,659▲
Tangible fixed assets22/27€463,550€883,659▲
Land and buildings22€463,550€883,659▲
Current assets29/58€2,238€134,747▲
Amounts receivable within one year40/41€1,637€2,645▲
Other amounts receivable41€1,637€2,645▲
Cash at bank and in hand54/58€600€131,568▲
Deferred charges and accrued income490/1-€534
Equity and liabilities
Total equity and liabilities10/49€465,787€1.0m▲
Equity10/15-€92,224-€143,124▼
Contributions10/11€10,000€10,000=
Profit (loss) carried forward14-€102,224-€153,124▼
Amounts payable17/49€558,011€1.2m▲
Amounts payable after more than one year17-€588,873
Financial debts170/4-€588,873
Amounts payable within one year42/48€558,011€572,657▲
Financial debts43€228,000€23,248▼
Credit institutions430/8€228,000€23,248▼
Trade debts44€23€58,807▲
Suppliers440/4€23€58,807▲
Other amounts payable47/48€329,988€490,602▲
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11,229€16,353▲
Other operating charges640/8€1,655€5,815▲
Gross operating margin9900-€24,020-€15,018▲
Operating profit (loss)9901-€36,903-€37,185▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€16,681€13,715▼
Recurring financial charges65€16,681€13,715▼
Profit (loss) for the period before taxes9903-€53,584-€50,900▲
Profit (loss) for the period9904-€53,584-€50,900▲
Profit (loss) for the period to be appropriated9905-€53,584-€50,900▲
Appropriation of the result
Profit (loss) to be appropriated9906-€102,224-€153,124▼
Profit (loss) brought forward from the previous period14P-€48,639-€102,224▼

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8,757€11,229€16,353▲ 45.6%
Other operating charges640/8€2,898€1,655€5,815▲ 251%
Gross operating margin9900-€26,078-€24,020-€15,018▲ 37.5%
Operating profit (loss)9901-€37,733-€36,903-€37,185▼ 0.8%
Financial income75/76B--€0-
Recurring financial income75--€0-
Financial charges65/66B€10,906€16,681€13,715▼ 17.8%
Recurring financial charges65€10,906€16,681€13,715▼ 17.8%
Profit (loss) for the period before taxes9903-€48,639-€53,584-€50,900▲ 5.0%
Profit (loss) for the period9904-€48,639-€53,584-€50,900▲ 5.0%
Profit (loss) for the period to be appropriated9905-€48,639-€53,584-€50,900▲ 5.0%
Line202320242025Change
Assets
Total assets20/58€445,352€465,787€1.0m▲ 119%
Fixed assets21/28€441,243€463,550€883,659▲ 90.6%
Tangible fixed assets22/27€441,243€463,550€883,659▲ 90.6%
Land and buildings22€441,243€463,550€883,659▲ 90.6%
Current assets29/58€4,110€2,238€134,747▲ 5,921%
Amounts receivable within one year40/41€2,992€1,637€2,645▲ 61.6%
Other amounts receivable41€2,992€1,637€2,645▲ 61.6%
Cash at bank and in hand54/58€1,118€600€131,568▲ 21,810%
Deferred charges and accrued income490/1--€534-
Equity and liabilities
Total equity and liabilities10/49€445,352€465,787€1.0m▲ 119%
Equity10/15-€38,639-€92,224-€143,124▼ 55.2%
Contributions10/11€10,000€10,000€10,000=
Profit (loss) carried forward14-€48,639-€102,224-€153,124▼ 49.8%
Amounts payable17/49€483,992€558,011€1.2m▲ 108%
Amounts payable after more than one year17--€588,873-
Financial debts170/4--€588,873-
Amounts payable within one year42/48€483,992€558,011€572,657▲ 2.6%
Financial debts43€228,000€228,000€23,248▼ 89.8%
Credit institutions430/8€228,000€228,000€23,248▼ 89.8%
Trade debts44-€23€58,807▲ 256,364%
Suppliers440/4-€23€58,807▲ 256,364%
Other amounts payable47/48€255,992€329,988€490,602▲ 48.7%
Line202320242025Change
Profit (loss) for the period9904-€48,639-€53,584-€50,900▲ 5.0%
+ Depreciation and write-downs630€8,757€11,229€16,353▲ 45.6%
Operating cash flow (approximation)-€39,882-€42,356-€34,547▲ 18.4%
Investment in fixed assets (approximation)--€33,535-€436,462▼ 1,202%
Change in cash--€517€130,968▲ 25,413%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
21-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Weakest financial yearnet -€53,584
Net result drops to -€53,584, the lowest in the series; recovery starts the following year.
30-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Bilzen-Hoeselt · 1 establishment unit since 2023
seat establishment approximate The establishment unit on the map
Ground area
1.7 ha
Building footprint
3,886 m²
Volume, LiDAR
33,032 m³
Parcel 73006H0750/00N000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Brume
Natveld 31, 3740 Bilzen-HoeseltHoliday cottages, homes and apartments
since 20232.340.756.092
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
73006H0750/00N000 Flanders 1.7 ha 1 · 3,886 m² 10.8 m · 3 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector and region

This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 733 companies in sector 55209 we hold annual accounts for 208. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded17-01-2023
Fiscal year end31-12
Activities, NACEBEL 2025
55209Other holiday and short-stay accommodation
E-invoicing
Reachable via Peppol
Peppol ID 0208:0797248542
Registered 06-01-2026

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.