BRUNCHY'S
ActiveSummary
The computed 12-month bankruptcy probability of BRUNCHY'S is 3.8% (moderate). The 2025 annual accounts show equity of €20k and a net result of €87k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 31% of 13305 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+29
Solvency32▲+32
Growth78▲+20
Track record94
Bankruptcy probability, 12 months
3.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.28 against 0.1 in 2024; short-term debt: 92.6% and cash: 17.2% of total assets), and 92.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 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
7.4%
Return on assets
32.9%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
17 d early
2023
70 d early
2022
52 d early
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k
2024 · €-68k
2022: €-22k
2023: €-70k
2024: €-68k
2022 → 2025
Total assets
€265k▲ 70.5%
2024 · €155k
2022: €101k
2023: €158k
2024: €155k
2022 → 2025
Net result
€87k▲ 3,710%
2024 · €2k
2022: €-25k
2023: €-47k
2024: €2k
2022 → 2025
Working capital
€-177k▲ 12.2%
2024 · €-201k
2022: €-100k
2023: €-219k
2024: €-201k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-22k-€-70k▼ 211%€-68k▲ 3.3%€20k
Operating result€-25k-€-47k▼ 86.3%€3k€95k▲ 3,652%
Net result€-25k-€-47k▼ 86.4%€2k€87k▲ 3,710%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3,652% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €265k
Fixed assets
€196k ▲ 46.8%
Current assets
€69k ▲ 217%
Equity and liabilities €265k
Equity
€20k
Debt
€245k
Debt finances 92.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€128k▲
2024 · €27k
Cash flow
€120k▲
2024 · €27k
Current ratio
0.28▲
2024 · 0.10
Quick ratio
0.25▲
2024 · 0.09
Debt to equity
12.58▲
2024 · -3.30
ROE
446.3%
ROA
32.9%▲
2024 · 1.5%
Interest coverage
34.39▼
2024 · 110.46
Debt ≤ 1 year
€245k▲
2024 · €223k
Income taxes
€4k
Staff costs
€213k▲
2024 · €97k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€155k€265k▲
Fixed assets21/28€134k€196k▲
Intangible fixed assets21€1k€1k▼
Tangible fixed assets22/27€132k€195k▲
Plant, machinery and equipment23€24k€20k▼
Furniture and vehicles24€63k€136k▲
Other tangible fixed assets26€46k€39k▼
Current assets29/58€22k€69k▲
Stocks and contracts in progress3€2k€7k▲
Stocks30/36€2k€7k▲
Amounts receivable within one year40/41€2k-
Trade receivables40€2k-
Cash at bank and in hand54/58€17k€46k▲
Deferred charges and accrued income490/1€229€16k▲
Equity and liabilities
Total equity and liabilities10/49€155k€265k▲
Equity10/15€-68k€20k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€-71k€17k▲
Amounts payable17/49€223k€245k▲
Amounts payable within one year42/48€223k€245k▲
Trade debts44€510€20k▲
Suppliers440/4€510€20k▲
Taxes, remuneration and social security45€18k€50k▲
Taxes450/3€8k€7k▼
Remuneration and social security454/9€10k€43k▲
Other amounts payable47/48€204k€176k▼
Income statement
Code20242025
Remuneration, social security and pensions62€97k€213k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€33k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€127k€342k▲
Operating profit (loss)9901€3k€95k▲
Financial income75/76B€4€35▲
Recurring financial income75€4€35▲
Financial charges65/66B€246€4k▲
Recurring financial charges65€246€4k▲
Profit (loss) for the period before taxes9903€2k€91k▲
Income taxes67/77-€4k
Profit (loss) for the period9904€2k€87k▲
Profit (loss) for the period to be appropriated9905€2k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-71k€17k▲
Profit (loss) brought forward from the previous period14P€-73k€-71k▲
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €87k ▲3710%
Operating result €95k, net result €87k, both a record.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-47k
Net result drops to €-47k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Charleroi · 1 establishment unit since 2022
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.
Place du Manège 36000 CharleroiGround area
148 m²
Building footprint
65 m²
Parcel 52011B0240/02S000, Wallonia. Linked by address, not a title deed.
1 establishment unit
BRUNCHY'S
since 20222.328.119.071
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52011B0240/02S000 | Wallonia | 148 m² | 1 · 65 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCharleroi2.328.119.071
Similar companies · same sector, comparable size
CHAMPS 92
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BE 0690.629.310
Koksijde · Eq €19,510
SEWAR
BE 0693.963.734
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AUX FOLIES GOURMANDES DE SOPHIE
BE 0736.735.388
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JOIRAM
BE 0695.834.151
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Of 21,888 companies in sector 56112 we hold annual accounts for 9,780. 8,038 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
56112Limited-service restaurants, excluding mobile food services
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.