CLOSAMRI
ActiveCLOSAMRI has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €274k and a net result of €21k. Equity is growing by ~27.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 13706 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability38▼-53
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 7.31 against 31.93 in 2024), and 4.9% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
95.1%
Return on assets
7.2%
Age of the figures
8 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
13 d early
2023
15 d late
2022
11 d late
2021
11 d late
2020
20 d late
2019
26 d late
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€274k▲ 8.2%
2024 · €253k
2018: €24k
2019: €48k
2020: €82k
2021: €118k
2022: €162k
2023: €207k
2024: €253k
2018 → 2025
Total assets
€288k▲ 13.0%
2024 · €255k
2018: €299k
2019: €281k
2020: €296k
2021: €258k
2022: €242k
2023: €225k
2024: €255k
2018 → 2025
Net result
€21k▼ 54.9%
2024 · €46k
2018: €5k
2019: €27k
2020: €62k
2021: €36k
2022: €44k
2023: €45k
2024: €46k
2018 → 2025
Working capital
€90k▲ 54.5%
2024 · €58k
2018: €-47k
2019: €-66k
2020: €-42k
2021: €-47k
2022: €-45k
2023: €-613
2024: €58k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€118k-€162k▲ 37.3%€207k▲ 27.6%€253k▲ 22.1%€274k▲ 8.2%
Operating result€61k-€70k▲ 14.5%€68k▼ 2.5%€67k▼ 1.8%€29k▼ 57.1%
Net result€36k-€44k▲ 21.6%€45k▲ 1.7%€46k▲ 2.2%€21k▼ 54.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 57% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €288k
Fixed assets
€184k▼ 5.7%
Current assets
€104k▲ 73.3%
Equity and liabilities €288k
Equity
€274k▲ 8.2%
Debt
€14k▲ 657%
The debt ratio rises from 0.7% to 4.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€40k▼
2024 · €80k
Cash flow
€32k▼
2024 · €59k
Solvency
95.1%▼
2024 · 99.3%
Current ratio
7.31▼
2024 · 31.93
Quick ratio
7.31▼
2024 · 31.93
Debt / equity
0.05▲
2024 · 0.01
ROE
7.6%▼
2024 · 18.1%
ROA
7.2%▼
2024 · 18.0%
Interest coverage
106.34▼
2024 · 559.68
Debt
€14k▲
2024 · €2k
Debt ≤ 1 year
€14k▲
2024 · €2k
Income taxes
€8k▼
2024 · €21k
Staff costs
€36k
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€255k€288k▲
Fixed assets21/28€195k€184k▼
Tangible fixed assets22/27€195k€184k▼
Land and buildings22€184k€175k▼
Furniture and vehicles24€1k€389▼
Other tangible fixed assets26€9k€8k▼
Financial fixed assets28-€263
Current assets29/58€60k€104k▲
Cash at bank and in hand54/58€60k€104k▲
Equity and liabilities
Total equity and liabilities10/49€255k€288k▲
Equity10/15€253k€274k▲
Contributions10/11€19k€19k=
Reserves13€205k€205k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€204k€204k=
Profit (loss) carried forward14€29k€50k▲
Amounts payable17/49€2k€14k▲
Amounts payable within one year42/48€2k€14k▲
Trade debts44€590€367▼
Suppliers440/4€590€367▼
Taxes, remuneration and social security45€1k€13k▲
Taxes450/3€1k€8k▲
Remuneration and social security454/9-€5k
Other amounts payable47/48-€900
Income statement
Code20242025
Remuneration, social security and pensions62-€36k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€11k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€6-
Other operating charges640/8€3k€487▼
Gross operating margin9900€83k€77k▼
Operating profit (loss)9901€67k€29k▼
Financial charges65/66B€143€376▲
Recurring financial charges65€143€376▲
Profit (loss) for the period before taxes9903€67k€28k▼
Income taxes67/77€21k€8k▼
Profit (loss) for the period9904€46k€21k▼
Profit (loss) for the period to be appropriated9905€46k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€50k▼
Profit (loss) brought forward from the previous period14P€29k€29k=
Transfer to equity691/2€46k-
To other reserves6921€46k-
The notes to these accounts (7 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 33current ratio 31.93
Current ratio from 0.97 to 31.93; short-term debt falls from €18k to €2k.
15-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
2023
31-12
Financial
Equity above €200kEq €207k ▲27.6%
6 profitable years in a row build equity to €207k.
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
31-12
Financial
Equity above €150kEq €162k ▲37.3%
5 profitable years in a row build equity to €162k.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 11 days late
2021
31-12
Financial
Equity above €100kEq €118k ▲44.2%
4 profitable years in a row build equity to €118k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Highest result since 2018net €62k ▲124%
Net result €62k, the highest in the series.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 11,969 companies in sector 68203 we hold annual accounts for 5,878. 4,322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-07-2008
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.