BRUPHI
ActiveBRUPHI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €514k and a net result of €197k. Equity is growing by ~44% per year across the filed fiscal years. Its solvency ranks better than 52% of 5495 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
30 d late
2023
26 d late
2022
24 d late
2021
26 d late
2020
27 d late
2019
24 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€514k▲ 45.3%
2024 · €354k
2018: €41k
2019: €50k
2020: €68k
2021: €105k
2022: €132k
2023: €201k
2024: €354k
2018 → 2025
Net result
€197k▲ 16.7%
2024 · €169k
2018: €16k
2019: €9k
2020: €17k
2021: €37k
2022: €27k
2023: €68k
2024: €169k
2018 → 2025
Total assets
€959k▼ 11.6%
2024 · €1.09M
2018: €278k
2019: €524k
2020: €525k
2021: €519k
2022: €562k
2023: €677k
2024: €1.09M
2018 → 2025
Solvency
53.6%▲ 21.0pp
2024 · 32.6%
2018: 14.8%
2019: 9.6%
2020: 12.9%
2021: 20.2%
2022: 23.5%
2023: 29.6%
2024: 32.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€132k▲ 26.2%€201k▲ 51.8%€354k▲ 76.3%€514k▲ 45.3%
Operating result€29k-€19k▼ 36.0%€42k▲ 129%€-13k€195k
Net result€37k-€27k▼ 26.1%€68k▲ 149%€169k▲ 147%€197k▲ 16.7%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €195k after a loss of €13k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €959k
Fixed assets
€794k▼ 18.6%
Current assets
€165k▲ 50.1%
Equity and liabilities €959k
Equity
€514k▲ 45.3%
Provisions
€42k
Debt
€403k▼ 44.9%
The debt ratio falls from 67.4% to 42.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
53.6%▲
2024 · 32.6%
ROE
38.4%▼
2024 · 47.8%
ROA
20.6%▲
2024 · 15.6%
Debt
€403k▼
2024 · €732k
Debt ≤ 1 year
€103k▼
2024 · €231k
Debt > 1 year
€298k▼
2024 · €499k
Income taxes
€7k▼
2024 · €21k
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€1.09M€959k▼
Fixed assets21/28€975k€794k▼
Tangible fixed assets22/27€678k€497k▼
Land and buildings22€658k€470k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€16k€24k▲
Financial fixed assets28€297k€297k=
Current assets29/58€110k€165k▲
Amounts receivable within one year40/41€38k€17k▼
Trade receivables40€8k-
Other amounts receivable41€30k€17k▼
Current investments50/53-€50k
Cash at bank and in hand54/58€66k€94k▲
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.09M€959k▼
Equity10/15€354k€514k▲
Contributions10/11€20k€20k=
Reserves13€302k€462k▲
Tax-exempt reserves132-€125k
Distributable reserves133€302k€337k▲
Profit (loss) carried forward14€32k€32k▲
Provisions and deferred taxes16-€42k
Deferred taxes168-€42k
Amounts payable17/49€732k€403k▼
Amounts payable after more than one year17€499k€298k▼
Financial debts170/4€499k€298k▼
Amounts payable within one year42/48€231k€103k▼
Current portion of amounts payable after more than one year42€23k€33k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€31k€28k▼
Taxes450/3€31k€28k▼
Other amounts payable47/48€171k€35k▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€20k▼
Other operating charges640/8€13k€10k▼
Gross operating margin9900€28k€226k▲
Operating profit (loss)9901€-13k€195k▲
Financial income75/76B€218k€75k▼
Recurring financial income75€218k€75k▼
Financial charges65/66B€15k€24k▲
Recurring financial charges65€15k€24k▲
Profit (loss) for the period before taxes9903€190k€247k▲
Transfer from deferred taxes780-€3k
Transfer to deferred taxes680-€44k
Income taxes67/77€21k€7k▼
Profit (loss) for the period9904€169k€197k▲
Transfer from tax-exempt reserves789-€8k
Transfer to tax-exempt reserves689-€133k
Profit (loss) for the period to be appropriated9905€169k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€200k€104k▼
Profit (loss) brought forward from the previous period14P€31k€32k▲
Transfer to equity691/2€168k€72k▼
To other reserves6921€168k€72k▼
The notes to these accounts (17 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Highest result since 2018net €197k ▲16.7%
Operating result €195k, net result €197k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.61
Current ratio from 0.48 to 1.61; short-term debt falls from €231k to €103k.
31-12
Financial
Equity above €500kEq €514k ▲45.3%
8 profitable years in a row build equity to €514k.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 30 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
31-12
Financial
Equity above €200kEq €201k ▲51.8%
6 profitable years in a row build equity to €201k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 24 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Equity above €100kEq €105k ▲54.9%
4 profitable years in a row build equity to €105k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 24 days late
2019
31-12
Financial
Weakest financial yearnet €9k ▼43%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 29 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 23 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Bütgenbach · 1 establishment unit since 2015
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.
Elsenborn,Am Born 64750 Bütgenbach1 establishment unit
BRUPHI
since 20152.237.329.546
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,566 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.