Summary
B & R Service is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €500k and a net result of €14k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 76% of 490 sector peers (fiscal year 2025). The company has been active since 1980 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
59 d early
2023
57 d early
2022
61 d early
2021
51 d early
2020
40 d early
2019
53 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, full schema
Equity
€500k▲ 2.8%
2024 · €487k
2018: €536k
2019: €547k
2021: €595k
2022: €587k
2023: €572k
2024: €487k
2018 → 2025
Net result
€14k▼ 7.1%
2024 · €15k
2018: €8k
2019: €11k
2021: €5k
2022: €-8k
2023: €-16k
2024: €15k
2018 → 2025
Total assets
€714k▼ 15.6%
2024 · €846k
2018: €926k
2019: €1.00M
2021: €1.00M
2022: €893k
2023: €854k
2024: €846k
2018 → 2025
Solvency
70.1%▲ 12.6pp
2024 · 57.5%
2018: 57.9%
2019: 54.7%
2021: 59.4%
2022: 65.7%
2023: 66.9%
2024: 57.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€595k-€587k▼ 1.3%€572k▼ 2.7%€487k▼ 14.9%€500k▲ 2.8%
Operating result€-6k-€-7k▼ 5.7%€-13k▼ 92.3%€19k€25k▲ 30.0%
Net result€5k-€-8k€-16k▼ 98.6%€15k€14k▼ 7.1%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €714k
Fixed assets
€420k ▼ 14.2%
Current assets
€294k ▼ 17.5%
Equity and liabilities €714k
Equity
€500k ▲ 2.8%
Provisions
€15k ▼ 19.7%
Debt
€199k ▼ 41.7%
Debt's share of the balance-sheet total falls from 40.3% to 27.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.7%▼
2024 · 3.0%
ROA
1.9%▲
2024 · 1.7%
Debt ≤ 1 year
€199k▼
2024 · €341k
Income taxes
€16k▼
2024 · €16k
Staff costs
€191k▲
2024 · €173k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€846k€714k▼
Fixed assets21/28€490k€420k▼
Intangible fixed assets21€70k€24k▼
Tangible fixed assets22/27€419k€395k▼
Land and buildings22€376k€361k▼
Plant, machinery and equipment23€21k€18k▼
Furniture and vehicles24€23k€17k▼
Financial fixed assets28€318€318=
Current assets29/58€356k€294k▼
Amounts receivable within one year40/41€76k€78k▲
Trade receivables40€76k€78k▲
Cash at bank and in hand54/58€280k€216k▼
Equity and liabilities
Total equity and liabilities10/49€846k€714k▼
Equity10/15€487k€500k▲
Contributions10/11€428k€428k=
Capital10€428k€428k=
Issued capital100€428k€428k=
Reserves13€57k€50k▼
Non-distributable reserves130/1€21k€21k=
Legal reserve130€21k€21k=
Tax-exempt reserves132€36k€29k▼
Profit (loss) carried forward14€1k€22k▲
Provisions and deferred taxes16€18k€15k▼
Deferred taxes168€18k€15k▼
Amounts payable17/49€341k€199k▼
Amounts payable within one year42/48€341k€199k▼
Trade debts44€213k€181k▼
Suppliers440/4€213k€181k▼
Taxes, remuneration and social security45€27k€18k▼
Taxes450/3€14k-
Remuneration and social security454/9€13k€18k▲
Other amounts payable47/48€100k-
Income statement
Code20242025
Non-recurring operating income76A€1k€32k▲
Remuneration, social security and pensions62€173k€191k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€73k▼
Other operating charges640/8€968€400▼
Gross operating margin9900€272k€290k▲
Operating profit (loss)9901€19k€25k▲
Financial income75/76B€9k€898▼
Recurring financial income75€5k€898▼
Non-recurring financial income76B€4k-
Financial charges65/66B€1k€424▼
Recurring financial charges65€1k€424▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€27k€26k▼
Transfer from deferred taxes780€4k€4k=
Income taxes67/77€16k€16k▼
Profit (loss) for the period9904€15k€14k▼
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€22k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€101k€22k▼
Profit (loss) brought forward from the previous period14P€80k€1k▼
Profit to be distributed694/7€100k-
Return on contributions (dividend)694€100k-
Social balance
Average headcount (FTE)90872.62.7▲
The notes to these accounts (11 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
24-09
State Gazette act
Appointment: Paul Sarton (managing director)Resignations: Raymond de Broux (director) and Philippe Relecom (director)6 facts ▸
State Gazette act
Appointment: Paul Sarton (managing director)
Resignations: Raymond de Broux (director) and Philippe Relecom (director)6 facts ▸
- Board meeting, 08-09-2026
- Director appointment, Paul Sarton (managing director)
- Director resignation, Raymond de Broux (director)
- Director resignation, Philippe Relecom (director)
- Director resignation, Raymond de Broux (day-to-day manager)
- Other statement, paul@brservice.be, email address
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Equity above €500kEq €500k ▲2.8%
2 profitable years in a row build equity to €500k.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
04-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-16k
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Paul Sarton
CurrentManaging director · since 20-03-2026
17-09-2026
Raymond de Broux: Resigned as Director
17-09-2026
Raymond de Broux: Resigned as Day-to-day manager
08-09-2026
Philippe Relecom: Resigned as Director
20-03-2026
Paul Sarton: Appointed as Managing director
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 1980
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.
Terhulpsesteenweg 1101000 BrusselGround area
1.1 ha
Building footprint
349 m²
Volume, LiDAR
4,505 m³
Parcel 21822R0481/00C000, Brussels · tallest building 17.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Terhulpsesteenweg 110, 1000 Brussel
since 19802.018.064.808
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21822R0481/00C000 | Brussels | 1.1 ha | 1 · 349 m² | 17.4 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.
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Dives verzekeringen
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,600 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 formPublic limited company
Founded16-09-1980
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 45 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:paul@brservice.be