M.B. BRICOLAGE
ActiveM.B. BRICOLAGE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.62M and a net result of €396k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 10289 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
83
/ 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
Profitability82▲+3
Solvency97▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €210k at 30 days acceptable
Liquidity ample (current ratio 4.81 against 4.99 in 2024; short-term debt: 16.4% and cash: 21.6% of total assets), and 27.9% 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
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 →
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
72.1%
Return on assets
10.9%
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
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
21 d early
2023
26 d late
2022
29 d late
2021
23 d late
2020
27 d late
2019
25 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€396k▲ 33.0%
2024 · €298k
2018: €168k
2019: €226k
2020: €491k
2021: €359k
2022: €280k
2023: €285k
2024: €298k
2018 → 2025
Working capital
€2.26M▲ 3.2%
2024 · €2.19M
2018: €794k
2019: €960k
2020: €1.40M
2021: €1.75M
2022: €1.91M
2023: €2.11M
2024: €2.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.86M-€2.09M▲ 12.4%€2.32M▲ 11.0%€2.45M▲ 5.6%€2.62M▲ 6.9%
Operating result€557k-€427k▼ 23.3%€401k▼ 6.1%€399k▼ 0.5%€560k▲ 40.2%
Net result€359k-€280k▼ 22.2%€285k▲ 1.9%€298k▲ 4.4%€396k▲ 33.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 40% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.56M
Fixed assets
€701k▼ 5.8%
Current assets
€2.86M▲ 4.2%
Equity and liabilities €3.63M
Equity
€2.62M▲ 6.9%
Debt
€1.01M▼ 9.5%
The debt ratio falls from 31.4% to 27.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€670k▲
2024 · €509k
Cash flow
€506k▲
2024 · €407k
Solvency
72.1%▲
2024 · 68.6%
Current ratio
4.81▼
2024 · 4.99
Quick ratio
2.86▲
2024 · 2.80
Debt / equity
0.39▼
2024 · 0.46
ROE
15.1%▲
2024 · 12.2%
ROA
10.9%▲
2024 · 8.4%
Interest coverage
22.88▲
2024 · 18.09
Debt
€1.01M▼
2024 · €1.12M
Debt ≤ 1 year
€593k▲
2024 · €549k
Debt > 1 year
€419k▼
2024 · €569k
Income taxes
€148k▲
2024 · €100k
Staff costs
€381k▲
2024 · €367k
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€3.56M€3.63M▲
Formation expenses20€79k€70k▼
Fixed assets21/28€744k€701k▼
Tangible fixed assets22/27€744k€701k▼
Land and buildings22€723k€630k▼
Plant, machinery and equipment23€21k€14k▼
Furniture and vehicles24-€57k
Financial fixed assets28€50€50=
Current assets29/58€2.74M€2.86M▲
Amounts receivable after more than one year29€808k€754k▼
Other amounts receivable291€808k€754k▼
Stocks and contracts in progress3€1.21M€1.16M▼
Stocks30/36€1.21M€1.16M▼
Amounts receivable within one year40/41€30k€26k▼
Trade receivables40€24k€26k▲
Other amounts receivable41€6k-
Cash at bank and in hand54/58€550k€782k▲
Deferred charges and accrued income490/1€146k€138k▼
Equity and liabilities
Total equity and liabilities10/49€3.56M€3.63M▲
Equity10/15€2.45M€2.62M▲
Contributions10/11€107k€107k=
Reserves13€1.38M€1.27M▼
Non-distributable reserves130/1€24k€24k=
Reserves not available under the articles1311€24k€24k=
Distributable reserves133€1.36M€1.24M▼
Profit (loss) carried forward14€958k€1.24M▲
Amounts payable17/49€1.12M€1.01M▼
Amounts payable after more than one year17€569k€419k▼
Financial debts170/4€569k€419k▼
Amounts payable within one year42/48€549k€593k▲
Current portion of amounts payable after more than one year42€159k€164k▲
Trade debts44€301k€321k▲
Suppliers440/4€301k€321k▲
Taxes, remuneration and social security45€89k€108k▲
Taxes450/3€21k€48k▲
Remuneration and social security454/9€68k€60k▼
Income statement
Code20242025
Remuneration, social security and pensions62€367k€381k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€110k▲
Other operating charges640/8€28k€26k▼
Gross operating margin9900€904k€1.08M▲
Operating profit (loss)9901€399k€560k▲
Financial income75/76B€26k€13k▼
Recurring financial income75€26k€13k▼
Financial charges65/66B€28k€29k▲
Recurring financial charges65€28k€29k▲
Profit (loss) for the period before taxes9903€397k€544k▲
Income taxes67/77€100k€148k▲
Profit (loss) for the period9904€298k€396k▲
Profit (loss) for the period to be appropriated9905€298k€396k▲
Appropriation of the result
Profit (loss) to be appropriated9906€958k€1.35M▲
Profit (loss) brought forward from the previous period14P€660k€958k▲
Transfer from equity791/2€168k€226k▲
Transfer to equity691/2-€112k
To other reserves6921-€112k
Profit to be distributed694/7€168k€226k▲
Return on contributions (dividend)694€168k€226k▲
Social balance
Average headcount (FTE)90879.29.6▲
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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 26 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Equity above €2MEq €2.09M ▲12.4%
5 profitable years in a row build equity to €2.09M.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 23 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 27 days late
2020
31-12
Financial
Highest result since 2018net €491k ▲117%
Operating result €774k, net result €491k, both a record.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
31-12
Financial
Equity above €1MEq €1.00M ▲29%
2 profitable years in a row build equity to €1.00M.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
04-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 35 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Couvin · 1 establishment unit since 2011
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.
Route Charlemagne 215660 CouvinGround area
5,199 m²
Building footprint
989 m²
Parcel 93014B0173/03N000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Route Charlemagne 21, 5660 Couvin
since 20112.200.849.331
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 93014B0173/03N000 | Wallonia | 5,199 m² | 1 · 989 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteCouvin2.200.849.331
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Of 1,720 companies in sector 47521 we hold annual accounts for 1,288. 741 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2011
Fiscal year end31-12
Activities, NACEBEL
47521Retail sale of hardware, building materials, paint and glass (general range)
47512Retail sale of household textiles and bedding
47559Retail sale of other household articles
47599Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 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.