Financials
- Fiscal year
- 2025
- Total assets
- €48.1m
- Profit
- €3.1m
- Solvency
- 53.7%
Turnover▼ 74.1%
Net result
20182022
BRUVACO
ActiveSummary
BRUVACO has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25.8m and a net result of €3.1m. Equity is growing by ~5.7% per year across the filed fiscal years. Its solvency ranks better than 69% of 4473 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
What they do
Retail sale of cars and light vans (up to 3.5 tonnes)
NACE 47811NACE 45113NACE 50101
#3 company by equity in Sint-Lambrechts-Woluwe, Wholesale and retail trade sector1 site
How big
€48.1mtotal assets 2025
- Equity
- €25.8m
- Profit
- €3.1m
Net result +125%: other schema
Who decides
- Parent
- TERRA FECUNDA · 99.93%
- Holdings
- 3
Auditor: KPMG Bedrijfsrevisoren BVAccounts filed 45 d late1 of 14 deeds read
Why 98- Latest accounts 45 days late; 1 of the last 3 late- Sector Retail trade (NACE 47)+ Size: total assets €48.1m+ Founded in 1991Show the evidence
Checked score
Score 2025
98
/ 100
Excellent
Probability in this band: under 0.55%
Better than 84% of its sector peers (NACE 47, large)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
79+3
equity 53.7% of total assets
Liquidity
59+8
short-term debt 14.2% · cash 9.5%
Profitability
77+4
return on assets 6.5%
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
- Size: total assets €48.1m lowers the probability for this profile
- Founded in 1991 lowers the probability for this profile
- Latest accounts 45 days late; 1 of the last 3 late raises the probability
- Sector Retail trade (NACE 47) raises the probability
Credit up to €2,500,000 at 30 days acceptable
Liquidity ample (current ratio 2.83 against 2.73 in 2024; short-term debt: 14.2% and cash: 9.5% of total assets), and 46.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 47, large). Better than this share of them on solvency 88%, liquidity 91%, profitability 90%, growth against the median 68%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
45 d late
2024
6 d early
2023
23 d early
2022
3 d early
2021
3 d early
2020
8 d early
2019
52 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 8 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% 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 28 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Reappointment: KPMG Bedrijfsrevisoren BV (statutory auditor)Permanent representative: Paul Dreezen
- Annual accounts filedfiscal year 2025 · full…
- Highest result since 2018net €3.1m ▲125%
Key points
By topic
Board & ownership
- Parent
- TERRA FECUNDA · 99.93%
- Auditor
- KPMG Bedrijfsrevisoren BV
Network & group
- Subsidiaries
- 28
- Holdings
- 3
28 subsidiaries
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 29-09-2026Reappointment: KPMG Bedrijfsrevisoren BV (statutory auditor)
- 14-09-2026Annual accounts filed
- 31-12-2025Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Public limited company
- Activity
- Retail sale of cars and light vans (up…NACE 47811
- Founded
- 17-01-1991
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
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