van Bruggen Nicolas
Activevan Bruggen Nicolas has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74k and a net result of €23k. Equity is growing by ~54% per year across the filed fiscal years. Its solvency ranks better than 25% of 7924 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency28▲+7
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.06 in 2024), and 80.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
19.9%
Return on assets
6.2%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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.
NBB · 10 filingsDeviation from the deadline
2025
25 d late
2024
29 d late
2023
31 d late
2022
30 d late
2021
31 d late
2020
30 d late
2019
on the day
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€23k▼ 51.9%
2024 · €48k
2018: €-156k
2019: €40k
2020: €34k
2021: €51k
2022: €26k
2023: €52k
2024: €48k
2018 → 2025
Working capital
€52k▲ 159%
2024 · €20k
2018: €-204k
2019: €-168k
2020: €-133k
2021: €-78k
2022: €-51k
2023: €1k
2024: €20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-75k-€-49k▲ 34.8%€4k€51k▲ 1,322%€74k▲ 44.7%
Operating result€51k-€26k▼ 48.2%€52k▲ 99.1%€48k▼ 8.9%€23k▼ 51.3%
Net result€51k-€26k▼ 48.7%€52k▲ 101%€48k▼ 8.9%€23k▼ 51.9%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 51% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €372k
Fixed assets
€22k▼ 28.6%
Current assets
€350k▼ 0.8%
Equity and liabilities €372k
Equity
€74k▲ 44.7%
Debt
€298k▼ 10.4%
The debt ratio falls from 86.7% to 80.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€33k▼
2024 · €55k
Cash flow
€33k▼
2024 · €54k
Solvency
19.9%▲
2024 · 13.3%
Current ratio
1.17▲
2024 · 1.06
Quick ratio
1.17▲
2024 · 1.06
Debt / equity
4.02▼
2024 · 6.49
ROE
30.9%▼
2024 · 93.0%
ROA
6.2%▼
2024 · 12.4%
Interest coverage
90.70▼
2024 · 471.03
Debt
€298k▼
2024 · €332k
Debt ≤ 1 year
€298k▼
2024 · €332k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€384k€372k▼
Fixed assets21/28€31k€22k▼
Tangible fixed assets22/27€31k€22k▼
Plant, machinery and equipment23€1k€1k▲
Furniture and vehicles24€30k€21k▼
Current assets29/58€352k€350k▼
Amounts receivable within one year40/41€335k€343k▲
Trade receivables40€51k€57k▲
Other amounts receivable41€285k€286k▲
Current investments50/53€1€1=
Cash at bank and in hand54/58€16k€6k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€384k€372k▼
Equity10/15€51k€74k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€31k€54k▲
Amounts payable17/49€332k€298k▼
Amounts payable within one year42/48€332k€298k▼
Trade debts44€30k€38k▲
Suppliers440/4€30k€38k▲
Taxes, remuneration and social security45€364€4k▲
Taxes450/3€364€364=
Remuneration and social security454/9-€4k
Other amounts payable47/48€302k€255k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€387€400▲
Gross operating margin9900€55k€34k▼
Operating profit (loss)9901€48k€23k▼
Financial income75/76B-€15
Recurring financial income75-€15
Financial charges65/66B€116€367▲
Recurring financial charges65€116€367▲
Profit (loss) for the period before taxes9903€48k€23k▼
Profit (loss) for the period9904€48k€23k▼
Profit (loss) for the period to be appropriated9905€48k€23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€54k▲
Profit (loss) brought forward from the previous period14P€-17k€31k▲
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 25 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 31 days late
2023
31-12
Financial
Highest result since 2018net €52k ▲101%
Operating result €52k, net result €52k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
30-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 31 days late
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Chaumont-Gistoux · 1 establishment unit since 2004
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.
Rue du Taillis, Dion-V. 161325 Chaumont-GistouxGround area
3,606 m²
Building footprint
1,671 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
van BRUGGEN NEW
since 20042.142.382.778
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25006C0344/00W000 | Wallonia | 1,816 m² | 1 · 1,546 m² | - |
| 25025C0175/00D000 | Wallonia | 1,790 m² | 1 · 125 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
PUBLIKADO
BE 0425.822.971
Sint-Truiden · Eq €74k
DERA
BE 0464.836.470
Oudsbergen · Eq €73k
WOODECO
BE 0877.125.963
Elsene · Eq €76k
Z U
BE 0478.403.208
Tongeren-Borgloon · Eq €72k
GROEN AKTIEF
BE 0459.680.327
Zoutleeuw · Eq €72k
Of 673 companies in sector 46494 we hold annual accounts for 527. 330 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2004
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
51471
46498Wholesale trade
46831Wholesale of construction materials, general range
47530Retail trade
47722Retail trade
51532
52486
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.