BRUMO
ActiveSummary
BRUMO has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51,555 and a net result of €6,442. Equity is growing by ~47.1% per year across the filed fiscal years. Its solvency ranks better than 55% of 13604 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-24
Solvency61▼-33
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3,000 at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.73 in 2024; short-term debt: 46.5% and cash: 15.7% of total assets), and 63.7% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Food and beverage service activities (NACE 56)
about 206% more bankruptcies
← 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 2025Solvency, return and age of the figures
Solvency
36.3%
Return on assets
4.5%
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
58 d late
2023
21 d late
2022
22 d late
2021
31 d late
2020
20 d late
2019
105 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 41 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 52% 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. Usually files around 31 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€51,555▲ 14.3%
2024 · €45,113
Total assets
€141,876▲ 116%
2024 · €65,598
Net result
€6,442▼ 58.3%
2024 · €15,452
Working capital
€22,845▲ 53.7%
2024 · €14,861
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€38,932▲ 758%€25,047▼ 35.7%€27,727▲ 10.7%€24,739▼ 10.8%€11,999▼ 51.5%
Net result€34,614above the sector's middle half▲ 1,435%€19,013within the sector's middle half▼ 45.1%€24,545above the sector's middle half▲ 29.1%€15,452within the sector's middle half▼ 37.0%€6,442within the sector's middle half▼ 58.3%
Equity€23,102within the sector's middle half€15,115within the sector's middle half▼ 34.6%€29,661within the sector's middle half▲ 96.2%€45,113within the sector's middle half▲ 52.1%€51,555within the sector's middle half▲ 14.3%
Total assets€48,736within the sector's middle half▲ 118%€54,623within the sector's middle half▲ 12.1%€59,523within the sector's middle half▲ 9.0%€65,598within the sector's middle half▲ 10.2%€141,876within the sector's middle half▲ 116%
Debt€25,634▼ 24.3%€39,507▲ 54.1%€29,863▼ 24.4%€20,486▼ 31.4%€90,321▲ 341%
Working capital€12,302within the sector's middle half-€8,547within the sector's middle half€1,552within the sector's middle half€14,861within the sector's middle half▲ 857%€22,845within the sector's middle half▲ 53.7%
Solvency47.4%within the sector's middle half▲ 98.9pp27.7%within the sector's middle half▼ 19.7pp49.8%within the sector's middle half▲ 22.2pp68.8%above the sector's middle half▲ 18.9pp36.3%within the sector's middle half▼ 32.4pp
Current ratio1.58within the sector's middle half▲ 1.060.78within the sector's middle half▼ 0.811.05within the sector's middle half▲ 0.281.73within the sector's middle half▲ 0.671.35within the sector's middle half▼ 0.38
Return on assets (ROA)71.0%above the sector's middle half▲ 60.9pp34.8%above the sector's middle half▼ 36.2pp41.2%above the sector's middle half▲ 6.4pp23.6%above the sector's middle half▼ 17.7pp4.5%within the sector's middle half▼ 19.0pp
above
within
below
the middle half (P25 to P75) of NACE 56, Food and beverage service activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €141,876
Fixed assets
€53,032 ▲ 75.3%
Current assets
€88,843 ▲ 151%
Equity and liabilities €141,876
Equity
€51,555 ▲ 14.3%
Debt
€90,321 ▲ 341%
Debt's share of the balance-sheet total rises from 31.2% to 63.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34,387▼
2024 · €35,439
Cash flow
€28,830▲
2024 · €26,152
Quick ratio
1.29▼
2024 · 1.63
Debt to equity
1.75▲
2024 · 0.45
ROE
12.5%▼
2024 · 34.3%
Interest coverage
12.00▼
2024 · 24.53
Debt ≤ 1 year
€65,998▲
2024 · €20,486
Debt > 1 year
€24,323
Income taxes
€2,857▼
2024 · €7,864
Staff costs
€6▼
2024 · €209
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,027 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 94% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
4.9%
stopped otherwise
94%
still going
A further 0.3% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.0% 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 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| 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% | 1.7% |
| 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 75% 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 17,027 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
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €413 | - | - | - | - | - |
| Remuneration, social security and pensions62 | €22 | - | €11 | €209 | €6 | ▼ 97.2% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,741 | €3,876 | €9,141 | €10,700 | €22,387 | ▲ 109% |
| Other operating charges640/8 | €3,510 | €4,056 | €2,959 | €2,814 | €1,994 | ▼ 29.1% |
| Gross operating margin9900 | €45,205 | €32,979 | €39,838 | €38,462 | €36,386 | ▼ 5.4% |
| Operating profit (loss)9901 | €38,932 | €25,047 | €27,727 | €24,739 | €11,999 | ▼ 51.5% |
| Financial income75/76B | €347 | €211 | €2,832 | €22 | €165 | ▲ 650% |
| Recurring financial income75 | €347 | €211 | €2,832 | €22 | €165 | ▲ 650% |
| Financial charges65/66B | €981 | €957 | €1,231 | €1,445 | €2,865 | ▲ 98.3% |
| Recurring financial charges65 | €981 | €957 | €1,231 | €1,445 | €2,865 | ▲ 98.3% |
| Profit (loss) for the period before taxes9903 | €38,298 | €24,301 | €29,329 | €23,316 | €9,299 | ▼ 60.1% |
| Income taxes67/77 | €3,684 | €5,288 | €4,783 | €7,864 | €2,857 | ▼ 63.7% |
| Profit (loss) for the period9904 | €34,614 | €19,013 | €24,545 | €15,452 | €6,442 | ▼ 58.3% |
| Profit (loss) for the period to be appropriated9905 | €34,614 | €19,013 | €24,545 | €15,452 | €6,442 | ▼ 58.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €48,736 | €54,623 | €59,523 | €65,598 | €141,876 | ▲ 116% |
| Fixed assets21/28 | €15,347 | €25,011 | €28,108 | €30,251 | €53,032 | ▲ 75.3% |
| Tangible fixed assets22/27 | €15,184 | €24,848 | €27,945 | €30,088 | €52,869 | ▲ 75.7% |
| Land and buildings22 | €5,230 | €4,669 | €4,107 | €3,546 | €2,984 | ▼ 15.8% |
| Plant, machinery and equipment23 | €942 | €1,513 | €2,517 | €5,002 | €2,720 | ▼ 45.6% |
| Furniture and vehicles24 | €9,012 | €18,666 | €21,321 | €21,540 | €47,165 | ▲ 119% |
| Financial fixed assets28 | €163 | €163 | €163 | €163 | €163 | = |
| Current assets29/58 | €33,389 | €29,612 | €31,415 | €35,347 | €88,843 | ▲ 151% |
| Stocks and contracts in progress3 | €2,975 | €6,025 | €925 | €2,050 | €3,650 | ▲ 78.0% |
| Stocks30/36 | €2,975 | €6,025 | €925 | €2,050 | €3,650 | ▲ 78.0% |
| Amounts receivable within one year40/41 | €18,086 | €6,878 | €17,248 | €16,428 | €62,534 | ▲ 281% |
| Trade receivables40 | €1,581 | €1,581 | - | - | €45,790 | - |
| Other amounts receivable41 | €16,505 | €5,297 | €17,248 | €16,428 | €16,744 | ▲ 1.9% |
| Cash at bank and in hand54/58 | €11,793 | €16,265 | €12,910 | €15,664 | €22,317 | ▲ 42.5% |
| Deferred charges and accrued income490/1 | €535 | €443 | €332 | €1,205 | €343 | ▼ 71.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €48,736 | €54,623 | €59,523 | €65,598 | €141,876 | ▲ 116% |
| Equity10/15 | €23,102 | €15,115 | €29,661 | €45,113 | €51,555 | ▲ 14.3% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €1,859 | €1,859 | €11,069 | €26,521 | €32,963 | ▲ 24.3% |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Reserves not available under the articles1311 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | - | - | €9,209 | €24,661 | €31,104 | ▲ 26.1% |
| Profit (loss) carried forward14 | €2,651 | -€5,336 | - | - | - | - |
| Amounts payable17/49 | €25,634 | €39,507 | €29,863 | €20,486 | €90,321 | ▲ 341% |
| Amounts payable after more than one year17 | €4,547 | €1,349 | - | - | €24,323 | - |
| Financial debts170/4 | €4,547 | €1,349 | - | - | €24,323 | - |
| Amounts payable within one year42/48 | €21,087 | €38,159 | €29,863 | €20,486 | €65,998 | ▲ 222% |
| Current portion of amounts payable after more than one year42 | €3,144 | €3,198 | €1,349 | - | €10,983 | - |
| Trade debts44 | €13,904 | €8,312 | €16,342 | €13,512 | €54,778 | ▲ 305% |
| Suppliers440/4 | €13,904 | €8,312 | €16,342 | €13,512 | €54,778 | ▲ 305% |
| Advances received on contracts in progress46 | - | - | €150 | €150 | €150 | = |
| Taxes, remuneration and social security45 | €4,039 | €9,649 | €2,022 | €6,823 | €87 | ▼ 98.7% |
| Taxes450/3 | €4,039 | €9,649 | €2,022 | €2,573 | €87 | ▼ 96.6% |
| Remuneration and social security454/9 | - | - | - | €4,250 | - | - |
| Other amounts payable47/48 | - | €17,000 | €10,000 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €34,614 | €19,013 | €24,545 | €15,452 | €6,442 | ▼ 58.3% |
| + Depreciation and write-downs630 | €2,741 | €3,876 | €9,141 | €10,700 | €22,387 | ▲ 109% |
| Operating cash flow (approximation) | €37,355 | €22,889 | €33,686 | €26,152 | €28,830 | ▲ 10.2% |
| Investment in fixed assets (approximation) | - | -€13,540 | -€12,238 | -€12,843 | -€45,169 | ▼ 252% |
| Change in cash | - | €4,472 | -€3,355 | €2,754 | €6,653 | ▲ 142% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €34,614 ▲1,435%
Operating result €38,932, net result €34,614, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.58
Current ratio from 0.52 to 1.58; short-term debt falls from €33,872 to €21,087.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Weakest financial yearnet €2,254 ▼76.2%
Net result drops to €2,254, the lowest in the series; recovery starts the following year.
13-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 105 days late
2019
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Geraardsbergen · 1 establishment unit since 2012
Ground area
4,712 m²
Building footprint
1,336 m²
Volume, LiDAR
5,765 m³
2 parcels, Flanders · tallest building 14.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
MY LUNCHTIME
since 20122.211.736.590
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41018A0522/00E003 | Flanders | 2,401 m² | 1 · 1,001 m² | 14.8 m · 1 fl. |
| 41021A0608/00X000 | Flanders | 2,311 m² | 1 · 334 m² | 4.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Recognitions · licences · registrations
Food safety, FASFC
1 siteGeraardsbergen2.211.736.590
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Of 20,505 companies in sector 56111 we hold annual accounts for 11,464. 9,831 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded27-01-1993
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
E-invoicing
Reachable via Peppol
Peppol ID
0208:0449122173
Also
9925:BE0449122173
Registered
28-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.