BRUVET
ActiveSummary
BRUVET has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €121k and a net result of €32k. Equity is growing by ~38% per year across the filed fiscal years. Its solvency ranks better than 87% of 244 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▼-2
Solvency100▲+2
Growth65=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.93 against 4.68 in 2024; short-term debt: 15.3% and cash: 53.7% of total assets), and 18.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 75
Relative position
BE, all sectors
reference
Sector 75
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
81.1%
Return on assets
21.2%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
9 d early
2023
2 d early
2022
14 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€114k▲ 1.5%
2024 · €113k
2022: €109k
2023: €116k
2024: €113k
2022 → 2025
EBIT margin
34.6%▼ 5.7pp
2024 · 40.3%
2022: 32.6%
2023: 48.0%
2024: 40.3%
2022 → 2025
Net result
€32k▲ 3.7%
2024 · €30k
2022: €26k
2023: €37k
2024: €30k
2022 → 2025
Working capital
€112k▲ 30.0%
2024 · €86k
2022: €33k
2023: €57k
2024: €86k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€109k-€116k▲ 7.2%€113k▼ 3.3%€114k▲ 1.5%
Equity€32k-€64k▲ 101%€94k▲ 47.6%€121k▲ 28.1%
Operating result€35k-€56k▲ 57.7%€45k▼ 18.7%€40k▼ 12.9%
Net result€26k-€37k▲ 44.3%€30k▼ 18.2%€32k▲ 3.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 13% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €149k
Fixed assets
€14k ▼ 28.6%
Current assets
€135k ▲ 22.9%
Equity and liabilities €149k
Equity
€121k ▲ 28.1%
Debt
€28k ▼ 20.0%
Debt's share of the balance-sheet total falls from 27.2% to 18.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€45k▼
2024 · €51k
Cash flow
€37k▲
2024 · €36k
Current ratio
5.93▲
2024 · 4.68
Debt to equity
0.23▼
2024 · 0.37
ROE
26.1%▼
2024 · 32.2%
ROA
21.2%▼
2024 · 23.5%
Interest coverage
44.69▲
2024 · 27.73
Debt ≤ 1 year
€23k▼
2024 · €23k
Debt > 1 year
€5k▼
2024 · €11k
Income taxes
€12k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€130k€149k▲
Fixed assets21/28€20k€14k▼
Tangible fixed assets22/27€20k€14k▼
Furniture and vehicles24€20k€14k▼
Current assets29/58€110k€135k▲
Amounts receivable within one year40/41€75k€55k▼
Trade receivables40€29k€26k▼
Other amounts receivable41€46k€29k▼
Cash at bank and in hand54/58€35k€80k▲
Equity and liabilities
Total equity and liabilities10/49€130k€149k▲
Equity10/15€94k€121k▲
Contributions10/11€6k€6k=
Reserves13€87k€114k▲
Distributable reserves133€87k€114k▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€35k€28k▼
Amounts payable after more than one year17€11k€5k▼
Financial debts170/4€11k€5k▼
Amounts payable within one year42/48€23k€23k▼
Current portion of amounts payable after more than one year42€12k€11k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€5k€6k▲
Taxes450/3€5k€6k▲
Other amounts payable47/48-€5k
Accrued charges and deferred income492/3€500€800▲
Income statement
Code20242025
Turnover70€113k€114k▲
Non-recurring operating income76A€4k€97▼
Goods, raw materials, services and sundry goods60/61€65k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€52k€46k▼
Operating profit (loss)9901€45k€40k▼
Financial income75/76B€0€5k▲
Recurring financial income75€0€231▲
Non-recurring financial income76B-€4k
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€44k€43k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€30k€32k▲
Profit (loss) for the period to be appropriated9905€30k€32k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€33k▲
Profit (loss) brought forward from the previous period14P€993€1k▲
Transfer to equity691/2€30k€27k▼
To other reserves6921€30k€27k▼
Profit to be distributed694/7-€5k
Directors or managers695-€5k
The notes to these accounts (7 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €121k ▲28.1%
4 profitable years in a row build equity to €121k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2022net €37k ▲44.3%
Operating result €56k, net result €37k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Mons · 1 establishment unit since 2022
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.
Rue des Robiniers 807024 MonsGround area
4,993 m²
Building footprint
135 m²
Volume, LiDAR
1,541 m³
Parcel 53018A0286/00F000, Wallonia · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
BRUVET
since 20222.332.909.485
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53018A0286/00F000 | Wallonia | 4,993 m² | 1 · 135 m² | 13.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
DAP BEREGOED
BE 0795.133.447
Lokeren · Eq €120,968
DAP Terra Alta
BE 1003.960.589
Rotselaar · Eq €121,124
DAP Equidan
BE 0799.201.806
Alveringem · Eq €120,815
Cabinet Vétérinaire Delphine COURBE
BE 0759.758.042
Spa · Eq €120,601
VETERINAIRE PONCELET ANTOINE
BE 0748.722.016
Florennes · Eq €120,509
Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,726 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2022
Fiscal year end31-12
Activities, NACEBEL 2025
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:bruninseb@gmail.com
Phone:+32474498254