DE BRUGSE DATABANK
ActiveDE BRUGSE DATABANK has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334k and a net result of €17k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
79
/ 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
Profitability72▲+1
Solvency69▲+11
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 1.22 in 2024; short-term debt: 54.7% and cash: 50.1% of total assets), and 56.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
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
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
43.9%
Return on assets
2.2%
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
30 d late
2023
31 d late
2022
on the day
2021
5 d early
2020
1 d early
2019
151 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€334k▲ 5.4%
2024 · €317k
2018: €260k
2019: €254k
2020: €261k
2021: €263k
2022: €290k
2023: €310k
2024: €317k
2018 → 2025
Total assets
€763k▼ 21.3%
2024 · €969k
2018: €623k
2019: €1.09M
2020: €1.10M
2021: €974k
2022: €878k
2023: €1.05M
2024: €969k
2018 → 2025
Net result
€17k▲ 1.6%
2024 · €17k
2018: €26k
2019: €7k
2020: €7k
2021: €10k
2022: €26k
2023: €20k
2024: €17k
2018 → 2025
Working capital
€152k▲ 11.0%
2024 · €137k
2018: €55k
2019: €22k
2020: €78k
2021: €77k
2022: €470k
2023: €134k
2024: €137k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€263k-€290k▲ 9.9%€310k▲ 6.9%€317k▲ 2.5%€334k▲ 5.4%
Operating result€14k-€41k▲ 193%€36k▼ 12.1%€23k▼ 37.2%€31k▲ 35.4%
Net result€10k-€26k▲ 174%€20k▼ 23.6%€17k▼ 16.0%€17k▲ 1.6%
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 2025; 2025 is 35% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €763k
Fixed assets
€194k▼ 3.1%
Current assets
€569k▼ 26.1%
Equity and liabilities €763k
Equity
€334k▲ 5.4%
Debt
€428k▼ 34.3%
The debt ratio falls from 67.2% to 56.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €46k
Cash flow
€42k▲
2024 · €40k
Solvency
43.9%▲
2024 · 32.8%
Current ratio
1.36▲
2024 · 1.22
Quick ratio
1.36▲
2024 · 1.22
Debt / equity
1.28▼
2024 · 2.05
ROE
5.1%▼
2024 · 5.3%
ROA
2.2%▲
2024 · 1.7%
Interest coverage
19.34▲
2024 · 12.69
Debt
€428k▼
2024 · €652k
Debt ≤ 1 year
€417k▼
2024 · €632k
Debt > 1 year
€11k▼
2024 · €19k
Income taxes
€11k▼
2024 · €12k
Staff costs
€287k▲
2024 · €226k
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€969k€763k▼
Fixed assets21/28€200k€194k▼
Tangible fixed assets22/27€200k€194k▼
Land and buildings22€159k€162k▲
Plant, machinery and equipment23€236€103▼
Furniture and vehicles24€41k€32k▼
Current assets29/58€769k€569k▼
Amounts receivable within one year40/41€111k€170k▲
Trade receivables40€100k€159k▲
Other amounts receivable41€10k€11k▲
Cash at bank and in hand54/58€642k€382k▼
Deferred charges and accrued income490/1€17k€17k▼
Equity and liabilities
Total equity and liabilities10/49€969k€763k▼
Equity10/15€317k€334k▲
Contributions10/11€19k€19k=
Reserves13€40k€40k=
Tax-exempt reserves132€29k€29k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€259k€276k▲
Amounts payable17/49€652k€428k▼
Amounts payable after more than one year17€19k€11k▼
Financial debts170/4€19k€11k▼
Amounts payable within one year42/48€632k€417k▼
Current portion of amounts payable after more than one year42€11k€8k▼
Trade debts44€145k€135k▼
Suppliers440/4€145k€135k▼
Taxes, remuneration and social security45€59k€56k▼
Taxes450/3€26k€28k▲
Remuneration and social security454/9€33k€28k▼
Other amounts payable47/48€417k€218k▼
Income statement
Code20242025
Remuneration, social security and pensions62€226k€287k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€25k▲
Other operating charges640/8€6k€5k▼
Gross operating margin9900€278k€348k▲
Operating profit (loss)9901€23k€31k▲
Financial income75/76B€10k€237▼
Recurring financial income75€10k€237▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€29k€28k▼
Income taxes67/77€12k€11k▼
Profit (loss) for the period9904€17k€17k▲
Profit (loss) for the period to be appropriated9905€17k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€268k€276k▲
Profit (loss) brought forward from the previous period14P€251k€259k▲
Profit to be distributed694/7€9k-
Return on contributions (dividend)694€9k-
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €26k ▲174%
Operating result €41k, net result €26k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.24
Current ratio from 1.11 to 3.24; short-term debt falls from €696k to €210k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 151 days late
2019
31-12
Financial
Weakest financial yearnet €7k ▼74.7%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Brugge · 2 establishment units since 1989
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.
Park 28000 BruggeGround area
139 m²
Building footprint
116 m²
Volume, LiDAR
801 m³
Parcel 31802B0878/00C000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BVBA DE BRUGSE DATABANK
since 19892.042.788.326
De Brugse Databank
since 20112.200.963.553
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31802B0878/00C000 | Flanders | 139 m² | 2 · 116 m² | 10.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 397 EUR awarded · 397 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 143 EUR | 143 EUR |
| 2023 | 1 | 105 EUR | 105 EUR |
| 2022 | 1 | 149 EUR | 149 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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CAPITAL RENT
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Of 11,750 companies in sector 68310 we hold annual accounts for 6,907. 4,900 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-03-1989
Fiscal year end31-12
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.