DELI BRUUL
ActiveDELI BRUUL has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €52k and a net result of €83k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 22% of 9623 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability98▼-2
Solvency40▼-12
Growth78▲+20
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.69 against 1.07 in 2023; short-term debt: 50.6% and cash: 31.3% of total assets), and 85.4% 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 · 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
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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
14.6%
Return on assets
23.3%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 9623 sector peers (2024).
NBB · sector comparisonPosition among 9623 sector peers
Solvency
better than 22%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €52k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 21-10-2025, 82 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
82 d late
2023
on the day
2022
24 d late
2021
24 d late
2020
26 d late
2019
21 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€52k▲ 5.3%
2023 · €49k
2018: €51k
2019: €48k
2020: €45k
2021: €39k
2022: €24k
2023: €49k
2018 → 2024
Total assets
€354k▲ 91.2%
2023 · €185k
2018: €138k
2019: €117k
2020: €88k
2021: €127k
2022: €117k
2023: €185k
2018 → 2024
Net result
€83k▼ 3.3%
2023 · €85k
2018: €14k
2019: €-3k
2020: €-3k
2021: €19k
2022: €-15k
2023: €85k
2018 → 2024
Working capital
€-56k
2023 · €10k
2018: €-15k
2019: €-6k
2020: €11k
2021: €17k
2022: €-17k
2023: €10k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€45k-€39k▼ 13.8%€24k▼ 39.4%€49k▲ 107%€52k▲ 5.3%
Operating result€-14k-€23k€-7k€93k€102k▲ 9.9%
Net result€-3k-€19k€-15k€85k€83k▼ 3.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €354k
Fixed assets
€230k▲ 485%
Current assets
€124k▼ 15.1%
Equity and liabilities €354k
Equity
€52k▲ 5.3%
Debt
€302k▲ 122%
The debt ratio rises from 73.4% to 85.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€127k▲
2023 · €100k
Cash flow
€108k▲
2023 · €93k
Solvency
14.6%▼
2023 · 26.6%
Current ratio
0.69▼
2023 · 1.07
Quick ratio
0.66▼
2023 · 1.02
Debt / equity
5.83▲
2023 · 2.76
ROE
159.5%▼
2023 · 173.8%
ROA
23.3%▼
2023 · 46.2%
Interest coverage
6.58▼
2023 · 20.08
Debt
€302k▲
2023 · €136k
Debt ≤ 1 year
€179k▲
2023 · €136k
Debt > 1 year
€123k
Staff costs
€103k▼
2023 · €105k
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€185k€354k▲
Fixed assets21/28€39k€230k▲
Tangible fixed assets22/27€31k€230k▲
Plant, machinery and equipment23€17k€42k▲
Furniture and vehicles24€3k€8k▲
Other tangible fixed assets26€11k€180k▲
Financial fixed assets28€8k€267▼
Current assets29/58€146k€124k▼
Stocks and contracts in progress3€6k€6k▼
Stocks30/36€6k€6k▼
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€96€140▲
Other amounts receivable41€5k€7k▲
Cash at bank and in hand54/58€126k€111k▼
Deferred charges and accrued income490/1€8k-
Equity and liabilities
Total equity and liabilities10/49€185k€354k▲
Equity10/15€49k€52k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€29k€31k▲
Amounts payable17/49€136k€302k▲
Amounts payable after more than one year17-€123k
Financial debts170/4-€123k
Amounts payable within one year42/48€136k€179k▲
Current portion of amounts payable after more than one year42-€20k
Trade debts44€57k€61k▲
Suppliers440/4€57k€61k▲
Taxes, remuneration and social security45€18k€18k▼
Taxes450/3€4k€3k▼
Remuneration and social security454/9€15k€15k▲
Other amounts payable47/48€60k€80k▲
Income statement
Code20232024
Remuneration, social security and pensions62€105k€103k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€25k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€207k€232k▲
Operating profit (loss)9901€93k€102k▲
Financial income75/76B-€147
Recurring financial income75-€147
Financial charges65/66B€5k€19k▲
Recurring financial charges65€5k€19k▲
Profit (loss) for the period before taxes9903€88k€83k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€85k€83k▼
Profit (loss) for the period to be appropriated9905€85k€83k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€111k▲
Profit (loss) brought forward from the previous period14P€3k€29k▲
Profit to be distributed694/7€60k€80k▲
Directors or managers695€60k€80k▲
Social balance
Average headcount (FTE)90874.73.2▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 82 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €85k
Net result €85k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-15k ▼182%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
31-12
Financial
Back to profitnet €19k
Net result €19k after 2 loss-making years.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 26 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 16 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
12-07
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Mechelen · 1 establishment unit since 1988
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.
Bruul 622800 MechelenGround area
115 m²
Building footprint
115 m²
Volume, LiDAR
1,402 m³
Parcel 12025D0251/00F000, Flanders · tallest building 22.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
PANOS
since 19882.038.451.733
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025D0251/00F000 | Flanders | 115 m² | 1 · 115 m² | 22.5 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 · 1 entry · 375 EUR awarded · 375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 375 EUR | 375 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 site · 1 with a smileyMechelen2.038.451.733
Dual-learning approval
2 live approvals · 4 endedWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Similar companies · same sector, comparable size
BROOD - EN BANKETBAKKERIJ B&C
BE 0663.528.795
Heist-op-den-Berg · Eq €52k
RODANSO
BE 0461.928.846
Ukkel · Eq €52k
L'EDEN
BE 0455.541.692
Brussel · Eq €52k
BAKE SOMEONE HAPPY
BE 0756.837.847
Mechelen · Eq €51k
BOULANGERIE DEFAAZ-JACQUINET
BE 0559.807.685
Oupeye · Eq €53k
Of 2,406 companies in sector 47241 we hold annual accounts for 1,098. 932 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-05-1988
Fiscal year end31-12
Activities, NACEBEL
10712Artisanal bread and fresh pastry making
15812
47241Retail sale of bread and pastry (bakery outlets)
52240
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.