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PUMPY BRAINE

Active
Chaussée de Tubize 64 ·1420 Braine-l'Alleud, Belgium
KBO/BCE: BE 1008.701.713
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Age2 yrs
Real estate1 parcel · 3,551 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of PUMPY BRAINE is 2.1% (moderate). The 2025 annual accounts show equity of €53k and a net result of €50k. Its solvency ranks better than 42% of 242 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 18-02-2026, 18 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.
How we compute the deadline
There is a single filed set of accounts, closing on 30-06. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-06-2025, that is 31-01-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
30-06-2025 31-01-2026 18-02-2026 18 d late 2026-00039889

Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Young company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
2.1% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: healthy financial profile −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Financials

TurnoverNot published (abbreviated filing)
EBIT marginNot published (abbreviated filing)
Net result€50k
Working capital€47k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 18-02-2026 with the NBB · fiscal year 2025 · volledig
Sector comparison
Fiscal year 2025 · NACE 47, Retail trade · compared within the same schema type (full schema)
Metric This company Sector median Position in the sector
Solvency 9.6% 13.8%
better than 42% of 242 sector peers
Net result €50k €19k
better than 63% of 242 sector peers
Equity €53k €94k
better than 39% of 242 sector peers
Gross operating margin €354k €319k
better than 54% of 214 sector peers
Staff costs €239k €279k
higher than 44% of 214 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Fiscal year2025
Depositvolledig
Revenue-
EBITDA€114k
Net profit€50k
Cash flow€54k
Staff costs€239k
Income taxes€18k
Dividends-
Total assets€544k
Equity€53k
Debt€492k
of which ≤ 1y€424k
of which > 1y€68k
Working capital€47k
Employees (FTE)-
Ratios (computed)
2025
Current ratio1.11
Quick ratio0.39
Working capital ratio8.7%
Solvency9.6%
Debt / equity9.36
Long-term debt ratio1.29
Interest coverage2.66
Gross margin-
Net margin-
ROA9.2%
ROE95.2%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€544k
Fixed assets 21/28€73k
Tangible fixed assets 22/27€8k
Financial fixed assets 28€65k
Current assets 29/58€471k
Stocks & contracts in progress 3€306k
Amounts receivable within one year 40/41€159k
Cash & bank 54/58€3k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€544k
Equity 10/15€53k
Contributions / capital 10/11€3k
Accumulated profits (losses) 14€50k
Amounts payable 17/49€492k
Amounts payable after one year 17€68k
Amounts payable within one year 42/48€424k
Trade debts payable within one year 44€329k
Income statement
Gross operating margin 9900€354k
Operating result 9901€111k
Financial charges 65€43k
Result before taxes 9903€68k
Income taxes 67/77€18k
Net result for the period 9904€50k
Result to be appropriated 9905€50k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
53 / 100 Fair
050100
Computed from 4 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

Unlock the full score breakdown, per-year score history and the indicative credit limit from Kantoor S.

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Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

Chaussée de Tubize 641420 Braine-l'Alleud

Establishment units

1 location
Pumpy Braine
Chaussée de Tubize 64, 1420 Braine-l'AlleudBoren en aanleggen van waterputten, graven van mijnschachten
since 20242.360.818.266
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,551 m²
Buildings1
Building footprint428 m²

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25014A0627/00X000 Wallonia 3,551 m² 1 · 428 m² -
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

No structured acts for this company yet

That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Snowflake analysis

financial profile on 5 axes
Health53Profitability100Solvency20Growth-Stability67
60 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 53
Profitability 100
Solvency 20
Growth -
Stability 67

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AI due-diligence brief

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Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

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Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 143 of the 3,297 companies in this sector. 103 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Detailhandel in vaste, vloeibare en gasvormige brandstoffen in gespecialiseerde winkels, m.u.v. motorbrandstoffen47781Detailhandel in vaste, vloeibare en gasvormige brandstoffen, muv motorbrandstoffen47781Detailhandel in dranken in gespecialiseerde winkels, algemeen assortiment47252Detailhandel in dranken, algemeen assortiment47252Detailhandel in tabaksproducten in gespecialiseerde winkels47260Detailhandel in tabaksproducten47260Detailhandel in motorbrandstoffen in gespecialiseerde winkels47300Detailhandel in motorbrandstoffen47300Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels47620Detailhandel in kranten en andere tijdschriften47621
Primary activity highlighted.
Names & trade names
Legal nameFR PUMPY BRAINE
Registered office
Chaussée de Tubize 64
1420 Braine-l'Alleud, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.