CREA - GYP
ActiveSummary
CREA - GYP has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €167k and a net result of €13k. Equity is shrinking by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
78
/ 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
Profitability64▲+23
Solvency100=
Growth58=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity short (current ratio 0.81 against 1.15 in 2024; short-term debt: 14.5% and cash: 4.4% of total assets), and 14.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
85.5%
Return on assets
6.5%
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 28-08-2026, 28 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
28 d late
2024
92 d late
2023
19 d early
2022
30 d late
2021
30 d late
2020
73 d early
2019
49 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€167k▼ 6.0%
2024 · €178k
2018: €216k
2019: €232k
2020: €209k
2021: €194k
2022: €174k
2023: €169k
2024: €178k
2018 → 2025
Total assets
€196k▼ 7.9%
2024 · €212k
2018: €256k
2019: €246k
2020: €261k
2021: €237k
2022: €211k
2023: €225k
2024: €212k
2018 → 2025
Net result
€13k▲ 50.0%
2024 · €8k
2018: €-20k
2019: €16k
2020: €-22k
2021: €-16k
2022: €-20k
2023: €-4k
2024: €8k
2018 → 2025
Working capital
€-5k
2024 · €5k
2018: €44k
2019: €56k
2020: €33k
2021: €19k
2022: €-111
2023: €-3k
2024: €5k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€174k▼ 10.3%€169k▼ 2.5%€178k▲ 5.0%€167k▼ 6.0%
Operating result€-18k-€-23k▼ 25.5%€-6k▲ 74.7%€8k€12k▲ 41.3%
Net result€-16k-€-20k▼ 26.9%€-4k▲ 78.4%€8k€13k▲ 50.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 41% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €196k
Fixed assets
€173k ▼ 0.1%
Current assets
€23k ▼ 41.9%
Equity and liabilities €196k
Equity
€167k ▼ 6.0%
Debt
€28k ▼ 17.5%
Debt's share of the balance-sheet total falls from 16.2% to 14.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€12k▲
2024 · €9k
Cash flow
€13k▲
2024 · €9k
Current ratio
0.81▼
2024 · 1.15
Debt to equity
0.17▼
2024 · 0.19
ROE
7.6%▲
2024 · 4.8%
ROA
6.5%▲
2024 · 4.0%
Interest coverage
4.44▲
2024 · 2.05
Debt ≤ 1 year
€28k▼
2024 · €34k
Income taxes
€1k▲
2024 · €847
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€212k€196k▼
Fixed assets21/28€173k€173k▼
Tangible fixed assets22/27€560€460▼
Assets under construction and advance payments27€560€460▼
Financial fixed assets28€172k€172k=
Current assets29/58€40k€23k▼
Amounts receivable within one year40/41€20k€13k▼
Trade receivables40€10-
Other amounts receivable41€20k€13k▼
Cash at bank and in hand54/58€19k€9k▼
Deferred charges and accrued income490/1€813€2k▲
Equity and liabilities
Total equity and liabilities10/49€212k€196k▼
Equity10/15€178k€167k▼
Contributions10/11€7k€7k=
Reserves13€50k€39k▼
Tax-exempt reserves132€16k€16k=
Distributable reserves133€34k€23k▼
Profit (loss) carried forward14€121k€121k=
Amounts payable17/49€34k€28k▼
Amounts payable within one year42/48€34k€28k▼
Financial debts43€25k-
Credit institutions430/8€25k-
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€847€1k▲
Taxes450/3€847€1k▲
Other amounts payable47/48-€23k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€100€100=
Other operating charges640/8€477€769▲
Gross operating margin9900€9k€13k▲
Operating profit (loss)9901€8k€12k▲
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€9k€14k▲
Income taxes67/77€847€1k▲
Profit (loss) for the period9904€8k€13k▲
Profit (loss) for the period to be appropriated9905€8k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€129k€133k▲
Profit (loss) brought forward from the previous period14P€121k€121k=
Transfer from equity791/2-€23k
Transfer to equity691/2€8k€13k▲
To other reserves6921€8k€13k▲
Profit to be distributed694/7-€23k
Return on contributions (dividend)694-€23k
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 92 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 4 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-22k ▼242%
Net result drops to €-22k, the lowest in the series; recovery starts the following year.
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 5.70
Current ratio from 2.22 to 5.70; short-term debt falls from €36k to €12k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brecht · 1 establishment unit since 1996
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.
Achteromstraat 202960 BrechtGround area
1,261 m²
Building footprint
118 m²
Volume, LiDAR
544 m³
Parcel 11009A0329/00X006, Flanders · tallest building 6.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREA-GYP
since 19962.063.137.342
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11009A0329/00X006 | Flanders | 1,261 m² | 1 · 118 m² | 6.4 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.
Similar companies · same sector, comparable size
FRT CONSTRUCT
BE 0696.745.357
Kapelle-op-den-Bos · Eq €167,295
KRIS MIGNOLET
BE 0471.991.211
Geetbets · Eq €167,030
PLEISTERWERKEN GUIDO DE BOECK
BE 0860.678.129
Opwijk · Eq €166,997
VAN OUDENHOVE BINNENAFWERKING
BE 1010.253.515
Tessenderlo-Ham · Eq €167,536
OLKON
BE 0439.985.070
Wuustwezel · Eq €167,902
Of 4,012 companies in sector 43310 we hold annual accounts for 1,745. 1,418 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-1993
Fiscal year end31-12
Activities, NACEBEL 2025
43310Plastering work
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.