EDDY BROUWIR
ActiveEDDY BROUWIR has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €-3k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 76% of 4564 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-5
Solvency91▲+7
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 2.38 in 2024; short-term debt: 15.2% and cash: 24.6% of total assets), and 33.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
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 10-06-2026, 51 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
51 d early
2024
1 d early
2023
22 d late
2022
17 d late
2021
18 d late
2020
31 d late
2019
87 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-3k
2024 · €14k
2018: €29k
2019: €19k
2020: €31k
2021: €57k
2022: €60k
2023: €8k
2024: €14k
2018 → 2025
Working capital
€114k▲ 8.0%
2024 · €106k
2018: €50k
2019: €90k
2020: €52k
2021: €64k
2022: €164k
2023: €113k
2024: €106k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€241k▲ 29.9%€244k▲ 1.2%€252k▲ 3.6%€242k▼ 4.1%
Operating result€78k-€84k▲ 7.5%€13k▼ 84.7%€21k▲ 60.4%€2k▼ 91.7%
Net result€57k-€60k▲ 5.5%€8k▼ 86.0%€14k▲ 68.2%€-3k
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€196k▼ 19.2%
Current assets
€170k▼ 6.7%
Equity and liabilities €366k
Equity
€242k▼ 4.1%
Debt
€124k▼ 28.1%
The debt ratio falls from 40.6% to 33.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €69k
Cash flow
€67k▲
2024 · €63k
Solvency
66.2%▲
2024 · 59.4%
Current ratio
3.05▲
2024 · 2.38
Quick ratio
3.05▲
2024 · 2.38
Debt / equity
0.51▼
2024 · 0.68
ROE
-1.4%▼
2024 · 5.6%
ROA
-0.9%▼
2024 · 3.4%
Interest coverage
14.74▼
2024 · 23.62
Debt
€124k▼
2024 · €172k
Debt ≤ 1 year
€56k▼
2024 · €76k
Debt > 1 year
€68k▼
2024 · €96k
Income taxes
€224▼
2024 · €4k
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€424k€366k▼
Fixed assets21/28€243k€196k▼
Tangible fixed assets22/27€242k€196k▼
Plant, machinery and equipment23€21k€39k▲
Furniture and vehicles24€221k€157k▼
Financial fixed assets28€149€149=
Current assets29/58€182k€170k▼
Amounts receivable within one year40/41€125k€80k▼
Trade receivables40€83k€73k▼
Other amounts receivable41€42k€7k▼
Cash at bank and in hand54/58€57k€90k▲
Equity and liabilities
Total equity and liabilities10/49€424k€366k▼
Equity10/15€252k€242k▼
Contributions10/11€20k€20k=
Reserves13€42k€42k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€190k€180k▼
Amounts payable17/49€172k€124k▼
Amounts payable after more than one year17€96k€68k▼
Financial debts170/4€96k€68k▼
Amounts payable within one year42/48€76k€56k▼
Current portion of amounts payable after more than one year42€35k€26k▼
Trade debts44€34k€9k▼
Suppliers440/4€34k€9k▼
Taxes, remuneration and social security45€1k€14k▲
Taxes450/3€1k€14k▲
Other amounts payable47/48€5k€7k▲
Income statement
Code20242025
Non-recurring operating income76A€20k€7k▼
Remuneration, social security and pensions62€387-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€70k▲
Other operating charges640/8€12k€12k▼
Gross operating margin9900€82k€84k▲
Operating profit (loss)9901€21k€2k▼
Financial income75/76B€223€0▼
Recurring financial income75€223€0▼
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€18k€-3k▼
Income taxes67/77€4k€224▼
Profit (loss) for the period9904€14k€-3k▼
Profit (loss) for the period to be appropriated9905€14k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€209k€187k▼
Profit (loss) brought forward from the previous period14P€195k€190k▼
Transfer to equity691/2€14k-
To other reserves6921€14k-
Profit to be distributed694/7€5k€7k▲
Return on contributions (dividend)694€5k€7k▲
The notes to these accounts (10 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
10-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-3k ▼124%
Net result drops to €-3k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Highest result since 2018net €60k ▲5.5%
Operating result €84k, net result €60k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.49
Current ratio from 1.17 to 4.49; short-term debt falls from €372k to €47k.
31-12
Financial
Equity above €200kEq €241k ▲29.9%
5 profitable years in a row build equity to €241k.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 18 days late
2021
31-12
Financial
Equity above €150kEq €185k ▲39.3%
4 profitable years in a row build equity to €185k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
31-12
Financial
Equity above €100kEq €107k ▲15.3%
2 profitable years in a row build equity to €107k.
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 61 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
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, Herstal · 1 establishment unit since 1995
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 Clerbeau 354041 HerstalGround area
768 m²
Building footprint
110 m²
Volume, LiDAR
640 m³
Parcel 62071B0162/00V000, Wallonia · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue Clerbeau 35, 4041 Herstal
since 19952.072.477.947
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62071B0162/00V000 | Wallonia | 768 m² | 1 · 110 m² | 7.9 m · 2 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.
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Of 12,607 companies in sector 49410 we hold annual accounts for 8,196. 6,054 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-04-1995
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.