CRAEYMEERSCH
ActiveCRAEYMEERSCH has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.23M and a net result of €262k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 95% of 9114 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+24
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
short-term debt: 0.4% and cash: 13% of total assets, and 0.4% 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○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 · 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
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
99.6%
Return on assets
8.1%
Age of the figures
9 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 06-08-2026, 6 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
6 d late
2024
97 d late
2023
24 d late
2022
69 d late
2021
78 d late
2020
92 d late
2019
135 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.23M▲ 8.8%
2024 · €2.97M
2018: €2.27M
2019: €2.70M
2020: €4.08M
2021: €4.05M
2022: €4.08M
2023: €3.03M
2024: €2.97M
2018 → 2025
Total assets
€3.25M▲ 8.3%
2024 · €3.00M
2018: €5.12M
2019: €4.48M
2020: €4.74M
2021: €4.30M
2022: €4.13M
2023: €3.07M
2024: €3.00M
2018 → 2025
Net result
€262k
2024 · €-56k
2018: €381k
2019: €432k
2020: €1.37M
2021: €-28k
2022: €34k
2023: €-214k
2024: €-56k
2018 → 2025
Working capital
€1.44M▲ 32.6%
2024 · €1.08M
2018: €-53k
2019: €769k
2020: €2.43M
2021: €2.17M
2022: €2.13M
2023: €1.04M
2024: €1.08M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.05M-€4.08M▲ 0.8%€3.03M▼ 25.8%€2.97M▼ 1.9%€3.23M▲ 8.8%
Operating result€-34k-€-15k▲ 56.0%€-198k▼ 1,215%€-81k▲ 59.0%€121k
Net result€-28k-€34k€-214k€-56k▲ 73.7%€262k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €121k after a loss of €81k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.25M
Fixed assets
€1.80M▼ 4.8%
Current assets
€1.45M▲ 30.6%
Equity and liabilities €3.25M
Equity
€3.23M▲ 8.8%
Debt
€11k▼ 55.8%
The debt ratio falls from 0.9% to 0.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€211k▲
2024 · €17k
Cash flow
€352k▲
2024 · €42k
Solvency
99.6%▲
2024 · 99.1%
Quick ratio
96.91▲
2024 · 26.77
Debt / equity
0.00▼
2024 · 0.01
ROE
8.1%▲
2024 · -1.9%
ROA
8.1%▲
2024 · -1.9%
Interest coverage
22.42▲
2024 · 4.69
Debt
€11k▼
2024 · €26k
Debt ≤ 1 year
€11k▼
2024 · €26k
Income taxes
€3k▲
2024 · €-15k
A ratio outside any meaningful range has been withheld (balance sheet total €3.25M, equity €3.23M).
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€3.00M€3.25M▲
Fixed assets21/28€1.89M€1.80M▼
Tangible fixed assets22/27€1.89M€1.80M▼
Land and buildings22€1.86M€1.78M▼
Plant, machinery and equipment23€25k€19k▼
Furniture and vehicles24€8k€3k▼
Current assets29/58€1.11M€1.45M▲
Stocks and contracts in progress3€414k€336k▼
Stocks30/36€414k€336k▼
Amounts receivable within one year40/41€180k€96k▼
Trade receivables40€17k€32k▲
Other amounts receivable41€163k€63k▼
Current investments50/53€474k€595k▲
Cash at bank and in hand54/58€40k€421k▲
Equity and liabilities
Total equity and liabilities10/49€3.00M€3.25M▲
Equity10/15€2.97M€3.23M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.80M€1.80M=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€56k€56k=
Distributable reserves133€1.74M€1.74M=
Profit (loss) carried forward14€1.11M€1.37M▲
Amounts payable17/49€26k€11k▼
Amounts payable within one year42/48€26k€11k▼
Trade debts44€5k€11k▲
Suppliers440/4€5k€11k▲
Other amounts payable47/48€21k-
Income statement
Code20242025
Non-recurring operating income76A-€22k
Remuneration, social security and pensions62€458-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€90k▼
Other operating charges640/8€27k€33k▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€45k€245k▲
Operating profit (loss)9901€-81k€121k▲
Financial income75/76B€13k€153k▲
Recurring financial income75€13k€153k▲
Financial charges65/66B€4k€9k▲
Recurring financial charges65€4k€9k▲
Profit (loss) for the period before taxes9903€-72k€265k▲
Income taxes67/77€-15k€3k▲
Profit (loss) for the period9904€-56k€262k▲
Profit (loss) for the period to be appropriated9905€-56k€262k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.11M€1.37M▲
Profit (loss) brought forward from the previous period14P€1.16M€1.11M▼
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
06-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 6 days late
2025
31-12
Financial
Back to profitnet €262k
Net result €262k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 126.22
Current ratio from 42.73 to 126.22; short-term debt falls from €26k to €11k.
05-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 97 days late
2024
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Weakest financial yearnet €-214k ▼725%
Net result drops to €-214k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 69 days late
2022
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Liquidity times 5current ratio 46.61
Current ratio from 9.54 to 46.61; short-term debt falls from €255k to €47k.
17-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 78 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 92 days late
2020
31-12
Financial
Highest result since 2018net €1.37M ▲218%
Operating result €1.89M, net result €1.37M, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.95
Current ratio from 1.44 to 4.95; short-term debt falls from €1.73M to €616k.
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 135 days late
2019
13-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 74 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 66 days late
08-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 161 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kortrijk · 1 establishment unit since 1991
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.
Hoevestraat(Kor) 268500 KortrijkGround area
1,395 m²
Building footprint
1,324 m²
Volume, LiDAR
6,394 m³
Parcel 34353B0662/00S002, Flanders · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRAEYMEERSCH
since 19912.052.826.242
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34353B0662/00S002 | Flanders | 1,395 m² | 1 · 1,324 m² | 7.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
875500HYAK3PYWZQ8928
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Of 9,134 companies in sector 68201 we hold annual accounts for 6,762. 3,737 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-03-1991
Fiscal year end31-12
Activities, NACEBEL
50200
68201Renting and operating of own or leased residential real estate, excluding social housing
47811Retail sale of cars and light vans (up to 3.5 tonnes)
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45204
64929Financial service activities, except insurance and pension funding
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 35 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.