EV BRUGGE
ActiveThe annual accounts of EV BRUGGE for fiscal year 2025 show a net loss of 78% of total assets and of 58% of the equity at the start of that year. The 2025 annual accounts show equity of €29k and a net result of €-40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 70% of 13977 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency81▼-19
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.3 against 2.92 in 2024; short-term debt: 43.7% and cash: 56.3% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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 2025Solvency, return and age of the figures
Solvency
56.3%
Return on assets
-78.3%
Age of the figures
9 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-40k
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
29 d late
2022
30 d late
2021
39 d early
2020
101 d early
2019
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 58.2%
2024 · €68k
2018: €27k
2019: €18k
2020: €60k
2021: €201k
2022: €188k
2023: €114k
2024: €68k
2018 → 2025
Total assets
€51k▼ 41.2%
2024 · €86k
2018: €165k
2019: €248k
2020: €292k
2021: €465k
2022: €220k
2023: €128k
2024: €86k
2018 → 2025
Net result
€-40k▲ 13.2%
2024 · €-46k
2018: €-39k
2019: €-9k
2020: €66k
2021: €242k
2022: €2k
2023: €-74k
2024: €-46k
2018 → 2025
Working capital
€7k▼ 81.0%
2024 · €35k
2018: €-29k
2019: €-11k
2020: €39k
2021: €151k
2022: €148k
2023: €68k
2024: €35k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€188k▼ 6.5%€114k▼ 39.4%€68k▼ 40.1%€29k▼ 58.2%
Operating result€324k-€4k▼ 98.8%€-75k€-54k▲ 27.6%€-40k▲ 25.8%
Net result€242k-€2k▼ 99.2%€-74k€-46k▲ 38.2%€-40k▲ 13.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €40k in 2025 against €54k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €51k
Fixed assets
€22k▼ 34.9%
Current assets
€29k▼ 45.3%
Equity and liabilities €51k
Equity
€29k▼ 58.2%
Debt
€22k▲ 23.1%
The debt ratio rises from 20.9% to 43.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-28k▲
2024 · €-41k
Cash flow
€-28k▲
2024 · €-33k
Solvency
56.3%▼
2024 · 79.1%
Current ratio
1.30▼
2024 · 2.92
Quick ratio
1.30▼
2024 · 2.92
Debt / equity
0.78▲
2024 · 0.26
ROE
-139.1%▼
2024 · -67.0%
ROA
-78.3%▼
2024 · -53.1%
Interest coverage
-394.28▲
2024 · -483.63
Debt
€22k▲
2024 · €18k
Debt ≤ 1 year
€22k▲
2024 · €18k
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€86k€51k▼
Fixed assets21/28€34k€22k▼
Intangible fixed assets21€11k€5k▼
Tangible fixed assets22/27€21k€16k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€5k€4k▼
Financial fixed assets28€2k€2k=
Current assets29/58€53k€29k▼
Amounts receivable within one year40/41€2k€151▼
Trade receivables40-€151
Other amounts receivable41€2k-
Cash at bank and in hand54/58€50k€29k▼
Equity and liabilities
Total equity and liabilities10/49€86k€51k▼
Equity10/15€68k€29k▼
Contributions10/11€50k€50k=
Reserves13€18k-
Distributable reserves133€18k-
Profit (loss) carried forward14-€-21k
Amounts payable17/49€18k€22k▲
Amounts payable within one year42/48€18k€22k▲
Trade debts44€17k€21k▲
Suppliers440/4€17k€21k▲
Advances received on contracts in progress46€517-
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Other amounts payable47/48€18€51▲
Income statement
Code20242025
Remuneration, social security and pensions62€6k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€12k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-33k€-26k▲
Operating profit (loss)9901€-54k€-40k▲
Financial income75/76B€8k€501▼
Recurring financial income75€8k€501▼
Financial charges65/66B€85€72▼
Recurring financial charges65€85€72▼
Profit (loss) for the period before taxes9903€-46k€-40k▲
Profit (loss) for the period9904€-46k€-40k▲
Profit (loss) for the period to be appropriated9905€-46k€-40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-46k€-40k▲
Transfer from equity791/2€46k€18k▼
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-74k ▼3775%
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 5.65
Current ratio from 1.57 to 5.65; short-term debt falls from €264k to €32k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €242k ▲264%
Operating result €324k, net result €242k, both a record.
31-12
Financial
Equity above €200kEq €201k ▲237%
2 profitable years in a row build equity to €201k.
21-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €66k
Net result €66k after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-07
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.
Directors · office · real estate
Directors
8 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 · 1 establishment unit since 2012
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.
Noordzandstraat 16A8000 BruggeGround area
303 m²
Building footprint
64 m²
Volume, LiDAR
745 m³
Parcel 31804D0709/00B000, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ENGELS & VÖLKERS BRUGGE
since 20122.215.756.548
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31804D0709/00B000 | Flanders | 303 m² | 1 · 64 m² | 13.6 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
2023 · 1 entry · 1,056 EUR awarded · 1,056 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,056 EUR | 1,056 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,748 companies in sector 68310 we hold annual accounts for 6,906. 4,345 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded13-12-2012
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
68202Real estate activities
68322Real estate appraisal on a fee or contract basis
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.