Summary
DE.BRUYCKER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €395k and a net result of €46k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 81% of 2444 sector peers (fiscal year 2025). The company has been active since 1989 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
56 d early
2024
63 d early
2023
9 d early
2022
8 d early
2021
13 d early
2020
52 d early
2019
9 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€395k▼ 9.4%
2024 · €435k
2018: €235k
2019: €231k
2020: €251k
2021: €318k
2022: €336k
2023: €377k
2024: €435k
2018 → 2025
Net result
€46k▼ 22.1%
2024 · €58k
2018: €61k
2019: €-4k
2020: €20k
2021: €66k
2022: €18k
2023: €41k
2024: €58k
2018 → 2025
Total assets
€473k▼ 6.6%
2024 · €506k
2018: €307k
2019: €322k
2020: €379k
2021: €434k
2022: €439k
2023: €432k
2024: €506k
2018 → 2025
Solvency
83.4%▼ 2.6pp
2024 · 86.0%
2018: 76.8%
2019: 71.9%
2020: 66.3%
2021: 73.3%
2022: 76.6%
2023: 87.3%
2024: 86.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€318k-€336k▲ 5.8%€377k▲ 12.2%€435k▲ 15.5%€395k▼ 9.4%
Operating result€94k-€3k▼ 96.9%€58k▲ 1,910%€89k▲ 52.3%€68k▼ 23.5%
Net result€66k-€18k▼ 72.4%€41k▲ 125%€58k▲ 42.3%€46k▼ 22.1%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €473k
Fixed assets
€132k ▼ 5.2%
Current assets
€341k ▼ 7.1%
Equity and liabilities €473k
Equity
€395k ▼ 9.4%
Debt
€78k ▲ 10.6%
Debt's share of the balance-sheet total rises from 14.0% to 16.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
11.5%▼
2024 · 13.4%
ROA
9.6%▼
2024 · 11.5%
Debt ≤ 1 year
€65k▼
2024 · €68k
Income taxes
€20k▼
2024 · €29k
Staff costs
€208k▲
2024 · €206k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€506k€473k▼
Fixed assets21/28€139k€132k▼
Tangible fixed assets22/27€139k€132k▼
Plant, machinery and equipment23€72k€56k▼
Furniture and vehicles24€67k€76k▲
Current assets29/58€367k€341k▼
Amounts receivable within one year40/41€111k€65k▼
Trade receivables40-€1
Other amounts receivable41€111k€65k▼
Current investments50/53€111k€202k▲
Cash at bank and in hand54/58€143k€60k▼
Deferred charges and accrued income490/1€3k€15k▲
Equity and liabilities
Total equity and liabilities10/49€506k€473k▼
Equity10/15€435k€395k▼
Contributions10/11€19k€19k=
Reserves13€417k€376k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€415k€374k▼
Amounts payable17/49€71k€78k▲
Amounts payable within one year42/48€68k€65k▼
Trade debts44€5k€10k▲
Suppliers440/4€5k€10k▲
Taxes, remuneration and social security45€43k€42k▼
Taxes450/3€6k€5k▼
Remuneration and social security454/9€38k€37k▼
Other amounts payable47/48€19k€14k▼
Accrued charges and deferred income492/3€3k€13k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€206k€208k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€40k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€328k€320k▼
Operating profit (loss)9901€89k€68k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€88k€66k▼
Income taxes67/77€29k€20k▼
Profit (loss) for the period9904€58k€46k▼
Profit (loss) for the period to be appropriated9905€58k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€46k▼
Transfer from equity791/2-€86k
Transfer to equity691/2€58k€46k▼
To other reserves6921€58k€46k▼
Profit to be distributed694/7-€86k
Return on contributions (dividend)694-€86k
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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.31
Current ratio from 2.24 to 5.31; short-term debt falls from €102k to €55k.
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €66k ▲230%
Operating result €94k, net result €66k, both a record.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-4k
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
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.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Menen · 1 establishment unit since 1989
Ground area
626 m²
Building footprint
277 m²
Volume, LiDAR
2,635 m³
Parcel 34027E0092/00W000, Flanders · tallest building 18.3 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
BV De.Bruycker
since 19892.042.833.262
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34027E0092/00W000 | Flanders | 626 m² | 1 · 277 m² | 18.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 1,564 EUR awarded · 1,554 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 635 EUR | 635 EUR |
| 2024 | 1 | 332 EUR | 332 EUR |
| 2023 | 1 | 133 EUR | 123 EUR |
| 2022 | 1 | 464 EUR | 464 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
96760099IDDB65MVMO82
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,040 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
Founded07-03-1989
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 37 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:056517654