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BRECHT BRUGMANS KAPPER

Active
Private limited company·Kappers- en barbiersactiviteiten· 3 yrs active
Herderstraat 18 ·3800 Sint-Truiden, Belgium
KBO/BCE: BE 0795.914.890
Watch Print / PDF
Age3 yrs
Staff (FTE)0.8
Real estate1 parcel · 1,344 m²

Summary

Conclusion

the dossier summarised in one paragraph

The computed 12-month bankruptcy probability of BRECHT BRUGMANS KAPPER is 2.2% (moderate). The 2023 annual accounts show equity of €24k and a net result of €23k. The company has been active since 2023 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
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 15 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 15-09-2025, 46 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
The year end is derived from 2 filed financial years, each closing on 31-12. 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 15-09-2025 46 d late 2025-00494420
31-12-2023 31-07-2024 18-10-2024 79 d late 2024-00515309

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
More than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
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
2.2% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Annual accounts: weaker 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€23k
Working capital€20k

Annual accounts & ratios

Source: NBB · 2023
Annual accounts filed on 15-09-2025 with the NBB · fiscal year 2024 · verkort
Fiscal year2023
Depositverkort
Revenue-
EBITDA€30k
Net profit€23k
Cash flow€24k
Staff costs€24k
Income taxes€6k
Dividends-
Total assets€66k
Equity€24k
Debt€41k
of which ≤ 1y€41k
of which > 1y-
Working capital€20k
Employees (FTE)0.8
Ratios (computed)
2023
Current ratio1.47
Quick ratio1.47
Working capital ratio29.9%
Solvency37.0%
Debt / equity1.70
Long-term debt ratio-
Interest coverage92.60
Gross margin-
Net margin-
ROA34.8%
ROE93.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€66k
Fixed assets 21/28€5k
Tangible fixed assets 22/27€4k
Financial fixed assets 28€400
Current assets 29/58€61k
Amounts receivable within one year 40/41€24k
Cash & bank 54/58€37k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€66k
Equity 10/15€24k
Contributions / capital 10/11€2k
Accumulated profits (losses) 14€23k
Amounts payable 17/49€41k
Amounts payable within one year 42/48€41k
Trade debts payable within one year 44€31k
Income statement
Gross operating margin 9900€55k
Operating result 9901€29k
Financial income 75€5
Financial charges 65€326
Result before taxes 9903€29k
Income taxes 67/77€6k
Net result for the period 9904€23k
Result to be appropriated 9905€23k
Ratios computed by Checked.

Health barometer

FY 2023 · computed
81 / 100 Excellent
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.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. 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.

Herderstraat 183800 Sint-Truiden

Establishment units

1 location
BRECHT BRUGMANS KAPPER
Herderstraat 18, 3800 Sint-TruidenDetailhandel in cosmetica en toiletartikelen
since 20232.342.278.301
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,344 m²
Buildings1
Building footprint197 m²
Volume (LiDAR)1,247 m³
Tallest building9.9 m · ±2 fl.

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71009C0102/00H000 Flanders 1,344 m² 1 · 197 m² 9.9 m · 2 fl.
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
Health81Profitability100Solvency68Growth-Stability79
82 / 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 81
Profitability 100
Solvency 68
Growth -
Stability 79

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 745 of the 21,776 companies in this sector. 606 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Haarverzorging96021Kappers- en barbiersactiviteiten96210Detailhandel in kledingaccessoires in gespecialiseerde winkels47715Detailhandel in kledingaccessoires47715Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990Schoonheidsverzorging96022Schoonheidsverzorging en andere schoonheidsbehandelingen96220
Primary activity highlighted.
Names & trade names
Legal nameNL BRECHT BRUGMANS KAPPER
Registered office
Herderstraat 18
3800 Sint-Truiden, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.