BRUYERE 71 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €513k and a net result of €25k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 88% of 3325 sector peers (fiscal year 2024). The company has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-07-2025, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
24 d early
2023
67 d late
2022
18 d early
2021
30 d late
2020
31 d late
2019
88 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€513k▼ 0.1%
2023 · €513k
2018: €486k
2019: €488k
2020: €495k
2021: €494k
2022: €510k
2023: €513k
2018 → 2024
Net result
€25k▲ 21.5%
2023 · €21k
2018: €24k
2019: €19k
2020: €24k
2021: €16k
2022: €33k
2023: €21k
2018 → 2024
Total assets
€577k▼ 3.5%
2023 · €598k
2018: €515k
2019: €511k
2020: €523k
2021: €517k
2022: €531k
2023: €598k
2018 → 2024
Solvency
88.9%▲ 3.0pp
2023 · 85.8%
2018: 94.3%
2019: 95.6%
2020: 94.7%
2021: 95.6%
2022: 96.1%
2023: 85.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€495k-€494k▼ 0.2%€510k▲ 3.2%€513k▲ 0.7%€513k▼ 0.1%
Operating result€29k-€22k▼ 24.9%€31k▲ 42.1%€14k▼ 55.9%€23k▲ 62.4%
Net result€24k-€16k▼ 31.7%€33k▲ 101%€21k▼ 37.0%€25k▲ 21.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 62% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €577k
Fixed assets
€36k▼ 26.3%
Current assets
€541k▼ 1.5%
Equity and liabilities €577k
Equity
€513k▼ 0.1%
Debt
€64k▼ 24.2%
The debt ratio falls from 14.2% to 11.1%. Equity and debt are lower.
Key figures and ratios
Solvency
88.9%▲
2023 · 85.8%
ROE
4.9%▲
2023 · 4.0%
ROA
4.4%▲
2023 · 3.5%
Debt
€64k▼
2023 · €85k
Debt ≤ 1 year
€31k▼
2023 · €43k
Debt > 1 year
€34k▼
2023 · €41k
Income taxes
€10k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€598k€577k▼
Fixed assets21/28€49k€36k▼
Tangible fixed assets22/27€49k€36k▼
Furniture and vehicles24€49k€36k▼
Current assets29/58€549k€541k▼
Amounts receivable within one year40/41€380k€392k▲
Other amounts receivable41€380k€392k▲
Current investments50/53€122k€143k▲
Cash at bank and in hand54/58€48k€6k▼
Deferred charges and accrued income490/1-€43
Equity and liabilities
Total equity and liabilities10/49€598k€577k▼
Equity10/15€513k€513k▼
Contributions10/11€19k€19k=
Reserves13€128k€154k▲
Non-distributable reserves130/1€35k-
Reserves not available under the articles1311€35k-
Distributable reserves133€94k€154k▲
Profit (loss) carried forward14€366k€340k▼
Amounts payable17/49€85k€64k▼
Amounts payable after more than one year17€41k€34k▼
Financial debts170/4€41k€34k▼
Amounts payable within one year42/48€43k€31k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€922€772▼
Suppliers440/4€922€772▼
Taxes, remuneration and social security45€25k€12k▼
Taxes450/3€25k€12k▼
Other amounts payable47/48€10k€10k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€13k▲
Other operating charges640/8€6k€929▼
Gross operating margin9900€32k€36k▲
Operating profit (loss)9901€14k€23k▲
Financial income75/76B€16k€14k▼
Recurring financial income75€16k€14k▼
Financial charges65/66B€665€1k▲
Recurring financial charges65€665€1k▲
Profit (loss) for the period before taxes9903€30k€35k▲
Income taxes67/77€9k€10k▲
Profit (loss) for the period9904€21k€25k▲
Profit (loss) for the period to be appropriated9905€21k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€404k€391k▼
Profit (loss) brought forward from the previous period14P€383k€366k▼
Transfer to equity691/2€21k€25k▲
To other reserves6921€21k€25k▲
Profit to be distributed694/7€17k€26k▲
Return on contributions (dividend)694€17k€26k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €33k ▲101%
Operating result €31k, net result €33k, both a record.
31-12
Financial
Equity above €500kEq €510k ▲3.2%
5 profitable years in a row build equity to €510k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €16k ▼31.7%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 88 days late
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 59 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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.
Directors · office · real estate
Directors
4 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, Ellezelles · 1 establishment unit since 1992
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 Bruyère 717890 EllezellesGround area
6,745 m²
Building footprint
601 m²
Volume, LiDAR
3,342 m³
2 parcels, Wallonia · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C.F.T.
since 19922.056.685.357
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51017C1335/00S000 | Wallonia | 3,531 m² | 1 · 226 m² | 7.9 m · 2 fl. |
| 51017C1335/00R000 | Wallonia | 3,214 m² | 1 · 375 m² | 8.8 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.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,587 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-1992
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.