BruNetto
ActiveBruNetto has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €641k and a net result of €156k. Equity is growing by ~35.4% per year across the filed fiscal years. Its solvency ranks better than 52% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-4
Solvency83▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 3.39 against 2.95 in 2024; short-term debt: 17.7% and cash: 41.3% of total assets), and 42.4% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
57.6%
Return on assets
14%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
35 d early
2023
1 d early
2022
30 d late
2021
30 d late
2020
23 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€641k▲ 29.9%
2024 · €493k
2020: €44k
2021: €136k
2022: €270k
2023: €406k
2024: €493k
2020 → 2025
Total assets
€1.11M▲ 16.0%
2024 · €959k
2020: €74k
2021: €212k
2022: €405k
2023: €674k
2024: €959k
2020 → 2025
Net result
€156k▼ 5.7%
2024 · €166k
2020: €39k
2021: €94k
2022: €134k
2023: €140k
2024: €166k
2020 → 2025
Working capital
€471k▲ 39.2%
2024 · €338k
2020: €40k
2021: €132k
2022: €256k
2023: €305k
2024: €338k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€270k▲ 97.9%€406k▲ 50.4%€493k▲ 21.7%€641k▲ 29.9%
Operating result€123k-€177k▲ 43.4%€184k▲ 4.0%€230k▲ 25.1%€223k▼ 2.9%
Net result€94k-€134k▲ 43.6%€140k▲ 4.0%€166k▲ 18.4%€156k▼ 5.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€444k▼ 0.4%
Current assets
€668k▲ 30.4%
Equity and liabilities €1.11M
Equity
€641k▲ 29.9%
Debt
€471k▲ 1.3%
The debt ratio falls from 48.5% to 42.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€258k▲
2024 · €257k
Cash flow
€191k▼
2024 · €192k
Solvency
57.6%▲
2024 · 51.5%
Current ratio
3.39▲
2024 · 2.95
Quick ratio
3.39▲
2024 · 2.95
Debt / equity
0.74▼
2024 · 0.94
ROE
24.4%▼
2024 · 33.6%
ROA
14.0%▼
2024 · 17.3%
Interest coverage
14.62▼
2024 · 16.45
Debt
€471k▲
2024 · €465k
Debt ≤ 1 year
€197k▲
2024 · €174k
Debt > 1 year
€274k▼
2024 · €290k
Income taxes
€52k▲
2024 · €50k
Staff costs
€530k▲
2024 · €367k
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€959k€1.11M▲
Fixed assets21/28€446k€444k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€443k€442k▼
Land and buildings22€190k€182k▼
Plant, machinery and equipment23€1k€719▼
Furniture and vehicles24€33k€45k▲
Other tangible fixed assets26€218k€215k▼
Financial fixed assets28€50€50=
Current assets29/58€512k€668k▲
Amounts receivable within one year40/41€55k€69k▲
Trade receivables40€55k€56k▲
Other amounts receivable41€412€13k▲
Current investments50/53-€102k
Cash at bank and in hand54/58€430k€460k▲
Deferred charges and accrued income490/1€27k€38k▲
Equity and liabilities
Total equity and liabilities10/49€959k€1.11M▲
Equity10/15€493k€641k▲
Contributions10/11€5k€5k=
Reserves13€488k€636k▲
Tax-exempt reserves132€126k€168k▲
Distributable reserves133€362k€468k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€465k€471k▲
Amounts payable after more than one year17€290k€274k▼
Financial debts170/4€290k€274k▼
Amounts payable within one year42/48€174k€197k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€82k€103k▲
Suppliers440/4€82k€103k▲
Taxes, remuneration and social security45€70k€67k▼
Taxes450/3€32k€17k▼
Remuneration and social security454/9€39k€50k▲
Other amounts payable47/48€6k€11k▲
Accrued charges and deferred income492/3€1k€84▼
Income statement
Code20242025
Remuneration, social security and pensions62€367k€530k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€34k▲
Other operating charges640/8€620€2k▲
Gross operating margin9900€624k€789k▲
Operating profit (loss)9901€230k€223k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€16k€18k▲
Recurring financial charges65€16k€18k▲
Profit (loss) for the period before taxes9903€216k€208k▼
Income taxes67/77€50k€52k▲
Profit (loss) for the period9904€166k€156k▼
Transfer to tax-exempt reserves689€42k€42k=
Profit (loss) for the period to be appropriated9905€123k€114k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€114k▼
Transfer from equity791/2€70k€0▼
Transfer to equity691/2€116k€105k▼
To other reserves6921€116k€105k▼
Profit to be distributed694/7€78k€9k▼
Return on contributions (dividend)694€70k€0▼
Employees696€8k€9k▲
The notes to these accounts (14 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €500kEq €641k ▲29.9%
6 profitable years in a row build equity to €641k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €166k ▲18.4%
Operating result €230k, net result €166k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €270k ▲97.9%
3 profitable years in a row build equity to €270k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Equity above €100kEq €136k ▲211%
2 profitable years in a row build equity to €136k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Asse · 3 establishment units since 2019
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.
Wijngaarden 41730 AsseGround area
1,052 m²
Building footprint
542 m²
Volume, LiDAR
3,430 m³
3 parcels, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
3 establishment units
BruNetto
since 20192.284.647.928
BruNetto
since 20222.326.803.039
BruNetto
since 20262.390.665.265
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45035C0134/00E000 | Flanders | 553 m² | 1 · 305 m² | 13.2 m · 2 fl. |
| 23322L0198/00F000 | Flanders | 276 m² | 1 · 142 m² | 10.9 m · 2 fl. |
| 23002A0256/00T003 | Flanders | 222 m² | 1 · 95 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 773 EUR awarded · 773 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 564 EUR | 564 EUR |
| 2022 | 1 | 209 EUR | 209 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 32,445 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.