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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphBRISAM 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 €5.57M and a net result of €273k. Its solvency ranks better than 90% of 498 sector peers (fiscal year 2025). 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 2 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 90% of 498 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideFiled after the deadline
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 16-04-2026, 16 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.
The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-08. 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 31-08-2025, that is 31-03-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-08-2025 | 31-03-2026 | 16-04-2026 | 16 d late | 2026-00083377 |
| 31-08-2024 | 31-03-2025 | 18-04-2025 | 18 d late | 2025-00071850 |
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 signalsMore 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 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.
Financials
Equity€5.57M+5.2%
Net result€273k-21.7%
Total assets€6.04M+6.4%
Solvency92.2%-1.1pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 16-04-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 92.2% | 43.2% | |
| Net result | €273k | €68k | |
| Equity | €5.57M | €492k | |
| Gross operating margin | €453k | €83k | |
| Total assets | €6.04M | €1.58M |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€273k
-21.7%
24-25
€6.04M
+6.4%
24-25
€5.57M
+5.2%
24-25
€129k
+8.3%
24-25
€20k
-
24-25
€468k
+23.1%
24-25
€194k
+102.1%
24-25
€275k
-3.5%
24-25
92.2%
-1.1%
24-25
4.9%
-25.5%
24-25
4.5%
-26.4%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €273k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €129k |
| Dividends | - |
| Total assets | €6.04M |
| Equity | €5.57M |
| Debt | €468k |
| of which ≤ 1y | €194k |
| of which > 1y | €275k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 92.2% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 4.5% |
| ROE | 4.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €6.04M |
| Fixed assets | 21/28 | €4.52M |
| Tangible fixed assets | 22/27 | €4.52M |
| Current assets | 29/58 | €1.52M |
| Amounts receivable within one year | 40/41 | €18k |
| Investments | 50/53 | €1.30M |
| Cash & bank | 54/58 | €198k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €6.04M |
| Equity | 10/15 | €5.57M |
| Contributions / capital | 10/11 | €93k |
| Reserves | 13 | €5.48M |
| Amounts payable | 17/49 | €468k |
| Amounts payable after one year | 17 | €275k |
| Amounts payable within one year | 42/48 | €194k |
| Trade debts payable within one year | 44 | €35k |
| Income statement | ||
| Gross operating margin | 9900 | €453k |
| Operating result | 9901 | €375k |
| Financial income | 75 | €42k |
| Financial charges | 65 | €15k |
| Result before taxes | 9903 | €402k |
| Income taxes | 67/77 | €129k |
| Net result for the period | 9904 | €273k |
| Result to be appropriated | 9905 | €273k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel 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.
Directors
Directors & mandates
3 directorsCurrent directors & mandates
-
DE SCHEPPER Benjamin Ruben AngéliqueDirectorState Gazette act 25355325 (12-09-2025)Current29-08-2025 → present
-
DE SCHEPPER Lennaert Luc BarbaraDirectorState Gazette act 25355325 (12-09-2025)Current29-08-2025 → present
Former directors (1)
-
COOLS IsabelleDirectorState Gazette act 25355325 (12-09-2025)Former- → 29-08-2025
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 28-06-2023 |
| Status | Active |
| Postal code | 2930 |
Structure & network
Connections & network
1 connected companyGroup structure
Subsidiary · 1 subsidiary · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
Brasschaat
exact location from the address register
Establishment units
1 locationBRISAM
since 20232.347.715.150
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area5,533 m²
Buildings1
Building footprint345 m²
Real-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.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0152/00H005 | Flanders | 5,533 m² | 1 · 345 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
Belgisch Staatsblad · acts
1 acts All acts · 1
updated 11 months ago
2025
12-09-2025 2 directors appointed, 1 resigning
- DE SCHEPPER Lennaert Luc Barbara, Bestuurder
- DE SCHEPPER Benjamin Ruben Angélique, Bestuurder
- COOLS Isabelle, Bestuurder
Notary:
Lars Hansen · AntwerpenFirm:
Deckers notarissen
Analysis
Snowflake analysis
financial profile on 5 axes68
/ 100
Strong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
25
Solvency
100
Growth
52
Stability
94
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verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Adviesbureaus op het gebied van public relations en communicatie70210Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300
Primary activity highlighted.
Names & trade names
| Legal nameNL | BRISAM |
Registered office
Voshollei 64
2930 Brasschaat, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.