BRUNO
ActiveSummary
BRUNO has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €5k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability70▼-1
Solvency49▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.88 against 1.14 in 2023; short-term debt: 65.3% and cash: 1.8% of total assets), and 76.5% of the assets are financed with debt.
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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 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% 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
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 2024Solvency, return and age of the figures
Solvency
23.5%
Return on assets
1.8%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
68 d late
2022
79 d late
2021
100 d late
2020
144 d late
2019
110 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€5k▲ 2.8%
2023 · €5k
Working capital
€-22k
2023 · €27k
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
Line20202021202220232024
Operating result€24k▲ 115%€25k▲ 4.4%€18k▼ 28.2%€8k▼ 56.4%€8k▲ 0.4%
Net result€15k▲ 248%€17k▲ 16.7%€10k▼ 39.2%€5k▼ 52.5%€5k▲ 2.8%
Equity€27k▼ 9.0%€44k▲ 61.9%€55k▲ 23.2%€60k▲ 9.0%€65k▲ 8.5%
Total assets€343k▼ 2.2%€424k▲ 23.5%€471k▲ 11.2%€343k▼ 27.3%€275k▼ 19.8%
Debt€316k▼ 1.5%€380k▲ 20.2%€417k▲ 9.8%€283k▼ 32.0%€210k▼ 25.8%
Working capital€6k▼ 74.2%€16k▲ 164%€19k▲ 16.8%€27k▲ 43.6%€-22k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 0% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €275k
Fixed assets
€117k ▲ 0.9%
Current assets
€158k ▼ 30.4%
Equity and liabilities €275k
Equity
€65k ▲ 8.5%
Debt
€210k ▼ 25.8%
Debt's share of the balance-sheet total falls from 82.6% to 76.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12k▼
2023 · €13k
Cash flow
€9k▼
2023 · €10k
Current ratio
0.88▼
2023 · 1.14
Quick ratio
0.66▼
2023 · 1.14
Debt to equity
3.25▼
2023 · 4.75
ROE
7.8%▼
2023 · 8.2%
ROA
1.8%▲
2023 · 1.4%
Interest coverage
5.89▼
2023 · 7.89
Debt ≤ 1 year
€180k▼
2023 · €199k
Debt > 1 year
€29k▼
2023 · €82k
Income taxes
€2k▲
2023 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €17k | €5k | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8k | €8k | €7k | €5k | €4k | ▼ 22.7% |
| Other operating charges640/8 | - | €6k | €5k | €6k | €7k | ▲ 23.7% |
| Non-recurring operating charges66A | - | - | €665 | - | - | - |
| Gross operating margin9900 | €37k | €39k | €31k | €19k | €19k | ▲ 0.9% |
| Operating profit (loss)9901 | €24k | €25k | €18k | €8k | €8k | ▲ 0.4% |
| Financial income75/76B | - | €0 | €0 | €1 | €982 | ▲ 97,115% |
| Recurring financial income75 | €337 | €0 | €0 | €1 | €982 | ▲ 97,115% |
| Financial charges65/66B | - | €4k | €5k | €2k | €2k | ▲ 22.2% |
| Recurring financial charges65 | €4k | €4k | €5k | €2k | €2k | ▲ 22.2% |
| Profit (loss) for the period before taxes9903 | €21k | €21k | €13k | €6k | €7k | ▲ 10.4% |
| Income taxes67/77 | €6k | €4k | €3k | €1k | €2k | ▲ 39.8% |
| Profit (loss) for the period9904 | €15k | €17k | €10k | €5k | €5k | ▲ 2.8% |
| Profit (loss) for the period to be appropriated9905 | €15k | €17k | €10k | €5k | €5k | ▲ 2.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €343k | €424k | €471k | €343k | €275k | ▼ 19.8% |
| Fixed assets21/28 | €139k | €126k | €120k | €116k | €117k | ▲ 0.9% |
| Tangible fixed assets22/27 | €139k | €125k | €120k | €116k | €117k | ▲ 0.9% |
| Land and buildings22 | - | €119k | €115k | €112k | €108k | ▼ 3.5% |
| Plant, machinery and equipment23 | - | €2k | - | - | - | - |
| Furniture and vehicles24 | - | €4k | €4k | €5k | €10k | ▲ 106% |
| Financial fixed assets28 | €188 | €188 | €188 | €188 | €188 | = |
| Current assets29/58 | €204k | €299k | €352k | €227k | €158k | ▼ 30.4% |
| Stocks and contracts in progress3 | - | - | - | - | €39k | - |
| Stocks30/36 | - | - | - | - | €39k | - |
| Amounts receivable within one year40/41 | €130k | €155k | €268k | €172k | €83k | ▼ 51.6% |
| Trade receivables40 | - | €109k | €241k | €148k | €66k | ▼ 55.5% |
| Other amounts receivable41 | - | €45k | €27k | €24k | €17k | ▼ 27.5% |
| Current investments50/53 | - | - | - | - | €20k | - |
| Cash at bank and in hand54/58 | €70k | €135k | €75k | €45k | €5k | ▼ 89.2% |
| Deferred charges and accrued income490/1 | - | €9k | €9k | €10k | €10k | ▲ 10.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €343k | €424k | €471k | €343k | €275k | ▼ 19.8% |
| Equity10/15 | €27k | €44k | €55k | €60k | €65k | ▲ 8.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Capital10 | - | €19k | €19k | - | - | - |
| Issued capital100 | - | €19k | €19k | - | - | - |
| Outside capital11 | - | - | - | €19k | €19k | = |
| Other1109/19 | - | - | - | €19k | €19k | = |
| Reserves13 | €9k | €9k | €9k | €9k | €9k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Legal reserve130 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €2k | €2k | = |
| Distributable reserves133 | - | €7k | €7k | €7k | €7k | = |
| Profit (loss) carried forward14 | - | €17k | €27k | €32k | €37k | ▲ 15.6% |
| Amounts payable17/49 | €316k | €380k | €417k | €283k | €210k | ▼ 25.8% |
| Amounts payable after more than one year17 | €116k | €96k | €82k | €82k | €29k | ▼ 64.9% |
| Financial debts170/4 | - | €69k | €56k | €56k | €29k | ▼ 48.3% |
| Other amounts payable178/9 | - | €26k | €26k | €26k | - | - |
| Amounts payable within one year42/48 | €198k | €282k | €333k | €199k | €180k | ▼ 9.9% |
| Current portion of amounts payable after more than one year42 | - | €13k | €14k | €202 | €14k | ▲ 6,700% |
| Trade debts44 | €135k | €247k | €304k | €165k | €108k | ▼ 35.0% |
| Suppliers440/4 | - | €247k | €304k | €165k | €108k | ▼ 35.0% |
| Taxes, remuneration and social security45 | - | €22k | €13k | €30k | €33k | ▲ 12.1% |
| Taxes450/3 | - | €17k | €11k | €20k | €31k | ▲ 56.5% |
| Remuneration and social security454/9 | - | €5k | €3k | €10k | €3k | ▼ 75.0% |
| Other amounts payable47/48 | - | - | €2k | €4k | €25k | ▲ 516% |
| Accrued charges and deferred income492/3 | - | €2k | €2k | €2k | €2k | = |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15k | €17k | €10k | €5k | €5k | ▲ 2.8% |
| + Depreciation and write-downs630 | €8k | €8k | €7k | €5k | €4k | ▼ 22.7% |
| Operating cash flow (approximation) | €23k | €25k | €18k | €10k | €9k | ▼ 10.3% |
| Investment in fixed assets (approximation) | - | €6k | €-2k | €-2k | €-5k | ▼ 176% |
| Change in cash | - | €65k | €-60k | €-30k | €-40k | ▼ 34.5% |
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
18-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 79 days late
2022
08-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 100 days late
2021
31-12
Financial
Highest result since 2018net €17k ▲16.7%
Operating result €25k, net result €17k, both a record.
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 144 days late
2020
18-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 110 days late
2019
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 63 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
26-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 31 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, La Louvière · 1 establishment unit since 2005
Ground area
859 m²
Building footprint
95 m²
Parcel 55019C0145/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
BRUNO SPRL
since 20052.147.603.655
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55019C0145/00G002indicative | Wallonia | 859 m² | 1 · 95 m² | - |
Linked by address, not proof of ownership
Good to know
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 13,189 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
Founded01-09-1999
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Scores and ratios are computed by Checked and are not a credit decision.