Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Tight liquidity NBB
Cash and receivables cover 3 % of short-term debt in 2025; threshold 65 %.
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Not on Peppol Peppol
Not registered in the Peppol network, mandatory for VAT-liable companies since 1 January 2026.
Financials
Financial year 2025
BRICK & BUILD from Beauvechain, company number BE0553762409, closed financial year 2025 with a result of € 225 after tax. For that financial year BRICK & BUILD recorded a gross margin of € 25,565 and equity of € 29,384. Compared with financial year 2024, the result moved from € 392 to € 225. The company is profitable. The buffer is growing. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on August 27, 2026.
€ 29,384
▲ 1% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 225
▼ 43% vs 2024
Profit after tax over the fiscal year.
€ 2,357
▼ 7% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € 9,384.
People and assets in 2025
0
Average over the fiscal year, from the social balance sheet.
Debts at end 2025
€ 286,889
▼ 7% vs 2024
€ 21,901 is repaid this year. At this pace the long-term loan is gone in ≈ 13 years.
€ 3,182
▼ 11% vs 2024
Supplier invoices still open on the last day of the fiscal year.
| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 13,814 | € 23,542 | € 24,837 | € 25,565 | ▲ 3% |
| Profit after taxes | € -15,493 | € -1,180 | € 392 | € 225 | ▼ 43% |
| Equity | € 29,946 | € 28,766 | € 29,158 | € 29,384 | ▲ 1% |
| Total debts | € 412,272 | € 399,232 | € 379,327 | € 365,161 | ▼ 4% |
| Cash | € 2,645 | € 2,967 | € 2,530 | € 2,357 | ▼ 7% |
| Land & buildings | € 426,747 | € 413,729 | € 400,711 | € 387,693 | ▼ 3% |
| Retained profit | € 9,946 | € 8,766 | € 9,158 | € 9,384 | ▲ 2% |
| Bank debt | € 350,115 | € 329,445 | € 308,372 | € 286,889 | ▼ 7% |
| Balance sheet total | € 442,218 | € 427,997 | € 408,485 | € 394,545 | ▼ 3% |
Key figures of BRICK & BUILD, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to BRICK & BUILD?
What happened at BRICK & BUILD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 225 (▼ 43% vs 2024). filed late Source: NBB ↗
- Ray Finance SRL became a director. NBB
- New establishment in Beauvechain. KBO
- Start of the company according to the CBE. KBO
In short
From € 15,493 loss in 2022 to € 225 profit in 2025.
Best year ever: 2024, with € 392 profit.
Management
The stake of Ray Finance comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
BRICK & BUILDBehind BRICK & BUILD is Ray Finance SRL. The shares are held by Ray Finance (100%).
Directors
According to the 2025 annual accounts
Director · represented by Julien Raymakers
since 2021
Shareholders
100%
Participations
No participations in other companies reported.
Establishments
Establishment units
Physical locations of this company
Rue Saint-Corneille,H.-M. 29
1320 Beauvechain
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 1 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0553.762.409
- VAT number
- BE 0553.762.409
- Registered office
- Rue Saint-Corneille,H.-M. 29, 1320 Beauvechain
- Names & denominations
- BRICK & BUILD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 12 June 2014
- Peppol
- Not registered