Summary
Conclusion
the dossier summarised in one paragraphThe file of BRELA contains 1 judicial reorganisation, as published in the Belgian State Gazette. The KBO register records legal situation 091 for BRELA (Register: special situation); this is today's state according to the register itself, which carries no start date. The 2024 annual accounts show equity of €116k and a net result of €28k. Its solvency ranks better than 29% of 3139 sector peers (fiscal year 2024).
Based on the State Gazette, CBE and 2 annual accounts.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Insolvency timeline
1 eventsFiling behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-08-2025 | 27 d late | 2025-00430376 |
| 31-12-2023 | 31-07-2024 | 06-08-2024 | 6 d late | 2024-00329586 |
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 signalsAdministrative Flags
Financials
Annual accounts & ratios
Source: NBB · 2024| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 25.7% | 52.5% | |
| Net result | €28k | €32k | |
| Equity | €116k | €75k | |
| Gross operating margin | €49k | €52k | |
| Total assets | €451k | €192k |
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €28k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €11k |
| Dividends | - |
| Total assets | €451k |
| Equity | €116k |
| Debt | €335k |
| of which ≤ 1y | €110k |
| of which > 1y | €224k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 25.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 6.2% |
| ROE | 24.2% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €451k |
| Fixed assets | 21/28 | €400k |
| Financial fixed assets | 28 | €400k |
| Current assets | 29/58 | €51k |
| Amounts receivable within one year | 40/41 | €50k |
| Cash & bank | 54/58 | €1k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €451k |
| Equity | 10/15 | €116k |
| Contributions / capital | 10/11 | €15k |
| Accumulated profits (losses) | 14 | €101k |
| Amounts payable | 17/49 | €335k |
| Amounts payable after one year | 17 | €224k |
| Amounts payable within one year | 42/48 | €110k |
| Trade debts payable within one year | 44 | €647 |
| Income statement | ||
| Gross operating margin | 9900 | €49k |
| Operating result | 9901 | €49k |
| Financial income | 75 | €2k |
| Financial charges | 65 | €12k |
| Result before taxes | 9903 | €39k |
| Income taxes | 67/77 | €11k |
| Net result for the period | 9904 | €28k |
| Result to be appropriated | 9905 | €28k |
Health barometer
FY 2024 · computedStructure & network
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stationsstraat 473440 ZoutleeuwEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels 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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24130A0034/00N008 | Flanders | 576 m² | 1 · 401 m² | 13.5 m · 4 fl. |
Publications
Lifecycle & Insolvency Signals
1 event from the State GazetteTime machine: BS events + macro context
2021-2026Belgian State Gazette · acts
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 axesMixed profile: strong on profitability, weaker on stability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
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Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | BRELA |