CREBO
ActiveSummary
CREBO has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €32k. Equity is growing by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 55% of 18280 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-3
Solvency65▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.51 against 1.41 in 2024; short-term debt: 59.5% and cash: 20.7% of total assets), but 60.4% 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
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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 10-10-2025, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
70 d early
2023
5 d early
2022
77 d early
2021
54 d early
2020
5 d early
2019
37 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€151k▲ 1.4%
2024 · €149k
2019: €89k
2020: €89k
2021: €115k
2022: €121k
2023: €134k
2024: €149k
2019 → 2025
Total assets
€383k▼ 14.1%
2024 · €445k
2019: €302k
2020: €260k
2021: €329k
2022: €365k
2023: €347k
2024: €445k
2019 → 2025
Net result
€32k▼ 34.2%
2024 · €49k
2019: €5k
2020: €16
2021: €52k
2022: €36k
2023: €44k
2024: €49k
2019 → 2025
Working capital
€115k▲ 0.4%
2024 · €115k
2019: €90k
2020: €92k
2021: €110k
2022: €104k
2023: €115k
2024: €115k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€121k▲ 4.9%€134k▲ 11.5%€149k▲ 11.0%€151k▲ 1.4%
Operating result€57k-€44k▼ 22.8%€48k▲ 8.6%€59k▲ 22.6%€43k▼ 26.8%
Net result€52k-€36k▼ 31.6%€44k▲ 23.1%€49k▲ 11.3%€32k▼ 34.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€39k ▼ 17.9%
Current assets
€343k ▼ 13.6%
Equity and liabilities €383k
Equity
€151k ▲ 1.4%
Debt
€231k ▼ 21.9%
Debt's share of the balance-sheet total falls from 66.5% to 60.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▼
2024 · €76k
Cash flow
€53k▼
2024 · €66k
Current ratio
1.51▲
2024 · 1.41
Quick ratio
0.35▼
2024 · 0.52
Debt to equity
1.53▼
2024 · 1.98
ROE
21.2%▼
2024 · 32.7%
ROA
8.4%▼
2024 · 11.0%
Interest coverage
9.34▼
2024 · 12.86
Debt ≤ 1 year
€228k▼
2024 · €282k
Debt > 1 year
€4k▼
2024 · €14k
Income taxes
€4k▼
2024 · €4k
Staff costs
€11k▼
2024 · €18k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€445k€383k▼
Fixed assets21/28€48k€39k▼
Intangible fixed assets21€3k€1k▼
Tangible fixed assets22/27€45k€38k▼
Plant, machinery and equipment23€3k€14k▲
Furniture and vehicles24€43k€24k▼
Financial fixed assets28€62€62=
Current assets29/58€397k€343k▼
Stocks and contracts in progress3€251k€264k▲
Stocks30/36€251k€264k▲
Amounts receivable within one year40/41€33k-
Trade receivables40€33k-
Cash at bank and in hand54/58€112k€79k▼
Equity and liabilities
Total equity and liabilities10/49€445k€383k▼
Equity10/15€149k€151k▲
Contributions10/11€69k€69k=
Reserves13€7k€7k=
Non-distributable reserves130/1€7k€7k=
Reserves not available under the articles1311€7k€7k=
Profit (loss) carried forward14€74k€76k▲
Amounts payable17/49€296k€231k▼
Amounts payable after more than one year17€14k€4k▼
Financial debts170/4€14k€4k▼
Amounts payable within one year42/48€282k€228k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€122k€57k▼
Suppliers440/4€122k€57k▼
Advances received on contracts in progress46-€5k
Taxes, remuneration and social security45€31k€39k▲
Taxes450/3€28k€39k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€120k€116k▼
Income statement
Code20242025
Non-recurring operating income76A€4k-
Remuneration, social security and pensions62€18k€11k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€21k▲
Other operating charges640/8€940€4k▲
Gross operating margin9900€95k€79k▼
Operating profit (loss)9901€59k€43k▼
Financial income75/76B€1€27▲
Recurring financial income75€1€27▲
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€53k€36k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€49k€32k▼
Profit (loss) for the period to be appropriated9905€49k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€108k€106k▼
Profit (loss) brought forward from the previous period14P€59k€74k▲
Profit to be distributed694/7€34k€30k▼
Directors or managers695€34k€30k▼
The notes to these accounts (10 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
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €150kEq €151k ▲1.4%
7 profitable years in a row build equity to €151k.
2024
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
15-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €52k ▲325922%
Net result €52k, the highest in the series.
31-03
Financial
Equity above €100kEq €115k ▲29.4%
3 profitable years in a row build equity to €115k.
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €16 ▼99.7%
Net result drops to €16, the lowest in the series; recovery starts the following year.
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
13-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Wavre · 1 establishment unit since 1992
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 Charles Jaumotte 671300 WavreGround area
1,045 m²
Building footprint
100 m²
Volume, LiDAR
740 m³
Parcel 25055A0065/00D003, Wallonia · tallest building 9.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREBO
since 19922.056.367.831
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25055A0065/00D003 | Wallonia | 1,045 m² | 1 · 100 m² | 9.4 m · 3 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
TOP KARS RUISBROEK
BE 0524.698.041
Puurs-Sint-Amands · Eq €152,056
2WK
BE 0867.864.146
Malle · Eq €150,426
MOBY GREEN
BE 1008.391.511
Brussel · Eq €149,487
D.D. BIKES
BE 0447.951.245
Aalst · Eq €148,857
BOWTEX
BE 0672.922.355
Nivelles · Eq €154,472
Of 1,128 companies in sector 47830 we hold annual accounts for 468. 385 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
Founded14-02-1992
Fiscal year end31-03
Trade name FR
MOTODOC
Activities, NACEBEL 2025
47830Retail sale of motorcycles and motorcycle parts and accessories
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)
46190Agents in non-specialised wholesale trade
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.