RONY BRUMMANS
ActiveSummary
RONY BRUMMANS has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €65k and a net result of €-2k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 35% of 7453 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37▲+2
Solvency54▼-19
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.12 against 1.89 in 2024; short-term debt: 40.3% and cash: 2.2% of total assets), and 70.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 41
Relative position
BE, all sectors
reference
Sector 41
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
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
29.4%
Return on assets
-1.1%
Age of the figures
9 mo
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
35 d early
2023
15 d early
2022
52 d early
2021
34 d early
2020
44 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€65k▼ 3.5%
2024 · €68k
2018: €81k
2019: €63k
2020: €53k
2021: €16k
2022: €52k
2023: €64k
2024: €68k
2018 → 2025
Total assets
€222k▲ 56.6%
2024 · €142k
2018: €254k
2019: €197k
2020: €133k
2021: €109k
2022: €122k
2023: €141k
2024: €142k
2018 → 2025
Net result
€-2k
2024 · €3k
2018: €15k
2019: €-18k
2020: €-10k
2021: €-37k
2022: €35k
2023: €13k
2024: €3k
2018 → 2025
Working capital
€10k▼ 84.2%
2024 · €66k
2018: €67k
2019: €61k
2020: €65k
2021: €18k
2022: €49k
2023: €62k
2024: €66k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€52k▲ 213%€64k▲ 24.5%€68k▲ 5.3%€65k▼ 3.5%
Operating result€-36k-€36k€13k▼ 63.5%€8k▼ 35.8%€3k▼ 68.4%
Net result€-37k-€35k€13k▼ 63.9%€3k▼ 73.2%€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €222k
Fixed assets
€122k ▲ 7,778%
Current assets
€100k ▼ 28.8%
Equity and liabilities €222k
Equity
€65k ▼ 3.5%
Debt
€157k ▲ 112%
Debt's share of the balance-sheet total rises from 52.3% to 70.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€17k▲
2024 · €10k
Cash flow
€12k▲
2024 · €4k
Current ratio
1.12▼
2024 · 1.89
Quick ratio
0.36▼
2024 · 1.00
Debt to equity
2.41▲
2024 · 1.10
ROE
-3.7%▼
2024 · 5.0%
ROA
-1.1%▼
2024 · 2.4%
Interest coverage
2.41▲
2024 · 1.61
Debt ≤ 1 year
€89k▲
2024 · €74k
Debt > 1 year
€67k
Income taxes
€342▲
2024 · €261
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€142k€222k▲
Fixed assets21/28€2k€122k▲
Tangible fixed assets22/27€2k€122k▲
Furniture and vehicles24€2k€122k▲
Current assets29/58€140k€100k▼
Stocks and contracts in progress3€66k€68k▲
Stocks30/36€66k€68k▲
Amounts receivable within one year40/41€27k€15k▼
Trade receivables40€22k€7k▼
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€35k€5k▼
Deferred charges and accrued income490/1€11k€12k▲
Equity and liabilities
Total equity and liabilities10/49€142k€222k▲
Equity10/15€68k€65k▼
Contributions10/11€12k€12k=
Reserves13€55k€53k▼
Distributable reserves133€55k€53k▼
Amounts payable17/49€74k€157k▲
Amounts payable after more than one year17-€67k
Financial debts170/4-€67k
Amounts payable within one year42/48€74k€89k▲
Current portion of amounts payable after more than one year42-€17k
Financial debts43€70k€65k▼
Credit institutions430/8€70k€65k▼
Trade debts44€335€2k▲
Suppliers440/4€335€2k▲
Taxes, remuneration and social security45€3k€4k▲
Taxes450/3€3k€4k▲
Other amounts payable47/48€1k-
Income statement
Code20242025
Non-recurring operating income76A-€38k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€14k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€290€257▼
Gross operating margin9900€11k€19k▲
Operating profit (loss)9901€8k€3k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€4k€-2k▼
Income taxes67/77€261€342▲
Profit (loss) for the period9904€3k€-2k▼
Profit (loss) for the period to be appropriated9905€3k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€3k€-2k▼
Transfer from equity791/2-€2k
Transfer to equity691/2€3k-
To other reserves6921€3k-
The notes to these accounts (7 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €35k
Net result €35k after 3 loss-making years.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-06
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
3 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, Tongeren-Borgloon · 1 establishment unit since 2006
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.
Kreelovenstraat 403840 Tongeren-BorgloonGround area
556 m²
Building footprint
178 m²
Volume, LiDAR
770 m³
Parcel 73034B0700/00A000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Brummans Rony BVBA
since 20062.151.238.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73034B0700/00A000 | Flanders | 556 m² | 1 · 178 m² | 8.5 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.
Recognitions · licences · registrations
Dual-learning approval
2 endedDakafdichter (so)
Dakdekker leien en pannen (so)
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Of 29,797 companies in sector 41001 we hold annual accounts for 16,049. 13,211 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2005
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.