BRUVANI
ActiveBRUVANI has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €81k and a net result of €11k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 40% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▼-35
Solvency47▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.24 in 2024; short-term debt: 78.1% and cash: 33.9% of total assets), and 78.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
21.9%
Return on assets
3%
Age of the figures
9 mo
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
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
2 d early
2023
6 d early
2022
2 d early
2021
6 d early
2020
5 d early
2019
9 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€81k▲ 15.6%
2024 · €70k
2018: €14k
2019: €28k
2020: €105k
2021: €44k
2022: €77k
2023: €28k
2024: €70k
2018 → 2025
Total assets
€370k▲ 2.2%
2024 · €362k
2018: €74k
2019: €79k
2020: €120k
2021: €77k
2022: €397k
2023: €318k
2024: €362k
2018 → 2025
Net result
€11k▼ 74.0%
2024 · €42k
2018: €42k
2019: €44k
2020: €78k
2021: €-46k
2022: €69k
2023: €-49k
2024: €42k
2018 → 2025
Working capital
€79k▲ 11.7%
2024 · €71k
2018: €17k
2019: €33k
2020: €104k
2021: €48k
2022: €76k
2023: €27k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€44k-€77k▲ 74.2%€28k▼ 63.8%€70k▲ 151%€81k▲ 15.6%
Operating result€-46k-€80k€-38k€50k€22k▼ 57.2%
Net result€-46k-€69k€-49k€42k€11k▼ 74.0%
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 57% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €370k
Fixed assets
€2k▲ 41.5%
Current assets
€368k▲ 2.0%
Equity and liabilities €370k
Equity
€81k▲ 15.6%
Debt
€289k▼ 1.1%
The debt ratio falls from 80.7% to 78.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €51k
Cash flow
€11k▼
2024 · €43k
Solvency
21.9%▲
2024 · 19.3%
Current ratio
1.27▲
2024 · 1.24
Quick ratio
0.55▼
2024 · 1.05
Debt / equity
3.57▼
2024 · 4.17
ROE
13.5%▼
2024 · 60.2%
ROA
3.0%▼
2024 · 11.6%
Interest coverage
3.12▼
2024 · 5.95
Debt
€289k▼
2024 · €292k
Debt ≤ 1 year
€289k▼
2024 · €290k
Income taxes
€4k
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€362k€370k▲
Fixed assets21/28€1k€2k▲
Tangible fixed assets22/27€1k€2k▲
Furniture and vehicles24€120€933▲
Other tangible fixed assets26€972€629▼
Financial fixed assets28€40€40=
Current assets29/58€361k€368k▲
Stocks and contracts in progress3€58k€208k▲
Stocks30/36€58k€208k▲
Amounts receivable within one year40/41€76k€30k▼
Trade receivables40€76k€30k▼
Other amounts receivable41€102€95▼
Cash at bank and in hand54/58€221k€125k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€362k€370k▲
Equity10/15€70k€81k▲
Contributions10/11€19k€19k=
Reserves13€50k€60k▲
Distributable reserves133€50k€60k▲
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€292k€289k▼
Amounts payable within one year42/48€290k€289k▼
Financial debts43€150k€151k▲
Credit institutions430/8€150k€151k▲
Trade debts44€85k€114k▲
Suppliers440/4€85k€114k▲
Taxes, remuneration and social security45€51k€21k▼
Taxes450/3€49k€20k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€3k€3k▼
Accrued charges and deferred income492/3€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€715€546▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-13k-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€40k€24k▼
Operating profit (loss)9901€50k€22k▼
Financial income75/76B€216€190▼
Recurring financial income75€216€190▼
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€42k€15k▼
Income taxes67/77-€4k
Profit (loss) for the period9904€42k€11k▼
Profit (loss) for the period to be appropriated9905€42k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€46k€12k▼
Profit (loss) brought forward from the previous period14P€4k€1k▼
Transfer to equity691/2€45k€10k▼
To other reserves6921€45k€10k▼
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-49k ▼171%
Net result drops to €-49k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €69k
Net result €69k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €78k ▲77.5%
Operating result €104k, net result €78k, both a record.
31-12
Financial
Liquidity times 5current ratio 8.45
Current ratio from 1.76 to 8.45; short-term debt falls from €43k to €14k.
31-12
Financial
Equity above €100kEq €105k ▲280%
3 profitable years in a row build equity to €105k.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Destelbergen · 1 establishment unit since 2014
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.
Dendermondesteenweg 3859070 DestelbergenGround area
5,004 m²
Building footprint
2,468 m²
Volume, LiDAR
9,253 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bruvani
since 20142.227.810.777
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44018A0057/00L002 | Flanders | 4,604 m² | 1 · 2,368 m² | 7.6 m · 2 fl. |
| 44013A0511/00D002 | Flanders | 399 m² | 1 · 101 m² | 9.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
DR CARS
BE 1011.171.451
Ieper · Eq €81k
FAME - EXPORT
BE 0452.412.552
Anderlecht · Eq €81k
LN Motors
BE 1014.535.470
Eeklo · Eq €81k
SD CAR
BE 0445.534.163
Beersel · Eq €81k
A.I.S. INVEST
BE 0843.772.118
Anderlecht · Eq €81k
Of 10,672 companies in sector 47811 we hold annual accounts for 5,222. 3,552 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2014
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.