Credox
ActiveSummary
Credox has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €6k. Equity is growing by ~64.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-22
Solvency50▲+1
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.32 against 1.32 in 2024; short-term debt: 75% and cash: 15.9% of total assets), and 75% of the assets are financed with debt.
Credit check 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
25%
Return on assets
1.6%
Age of the figures
9 mo
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 17-03-2026, 136 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
136 d early
2024
17 d early
2023
16 d early
2022
18 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
€96k▲ 7.0%
2024 · €89k
2022: €4k
2023: €18k
2024: €89k
2022 → 2025
Total assets
€383k▲ 3.0%
2024 · €372k
2022: €72k
2023: €177k
2024: €372k
2022 → 2025
Net result
€6k▼ 91.2%
2024 · €71k
2022: €-6k
2023: €14k
2024: €71k
2022 → 2025
Working capital
€93k▲ 2.8%
2024 · €90k
2022: €2k
2023: €17k
2024: €90k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€18k▲ 405%€89k▲ 396%€96k▲ 7.0%
Operating result€-6k-€18k€96k▲ 440%€9k▼ 90.4%
Net result€-6k-€14k€71k▲ 394%€6k▼ 91.2%
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 90% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€3k ▲ 3,185%
Current assets
€380k ▲ 2.1%
Equity and liabilities €383k
Equity
€96k ▲ 7.0%
Debt
€288k ▲ 1.7%
Debt's share of the balance-sheet total falls from 76.0% to 75.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€10k▼
2024 · €97k
Cash flow
€7k▼
2024 · €72k
Current ratio
1.32▲
2024 · 1.32
Debt to equity
3.00▼
2024 · 3.16
ROE
6.6%▼
2024 · 79.8%
ROA
1.6%▼
2024 · 19.2%
Interest coverage
70.16▼
2024 · 794.90
Debt ≤ 1 year
€288k▲
2024 · €282k
Income taxes
€3k▼
2024 · €24k
Staff costs
€195k▲
2024 · €111k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€372k€383k▲
Fixed assets21/28€99€3k▲
Tangible fixed assets22/27€99€3k▲
Furniture and vehicles24€99€3k▲
Current assets29/58€372k€380k▲
Amounts receivable within one year40/41€130k€316k▲
Trade receivables40€127k€283k▲
Other amounts receivable41€3k€34k▲
Cash at bank and in hand54/58€241k€61k▼
Deferred charges and accrued income490/1€929€3k▲
Equity and liabilities
Total equity and liabilities10/49€372k€383k▲
Equity10/15€89k€96k▲
Contributions10/11€10k€10k=
Reserves13€79k€86k▲
Distributable reserves133€79k€86k▲
Amounts payable17/49€283k€288k▲
Amounts payable within one year42/48€282k€288k▲
Trade debts44€216k€199k▼
Suppliers440/4€216k€199k▼
Taxes, remuneration and social security45€26k€49k▲
Taxes450/3€13k€13k▲
Remuneration and social security454/9€13k€35k▲
Other amounts payable47/48€40k€40k=
Accrued charges and deferred income492/3€633-
Income statement
Code20242025
Remuneration, social security and pensions62€111k€195k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€655€1k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€1k
Other operating charges640/8€216€22k▲
Gross operating margin9900€208k€228k▲
Operating profit (loss)9901€96k€9k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€121€146▲
Recurring financial charges65€121€146▲
Profit (loss) for the period before taxes9903€96k€9k▼
Income taxes67/77€24k€3k▼
Profit (loss) for the period9904€71k€6k▼
Profit (loss) for the period to be appropriated9905€71k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€6k▼
Profit (loss) brought forward from the previous period14P€47-
Transfer to equity691/2€71k€6k▼
To other reserves6921€71k€6k▼
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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €71k ▲394%
Operating result €96k, net result €71k, both a record.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lokeren · 1 establishment unit since 2021
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.
Lepelstraat 13A9160 LokerenGround area
447 m²
Building footprint
292 m²
Volume, LiDAR
1,822 m³
Parcel 46384E1154/00C002, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Credox
since 20212.322.189.106
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46384E1154/00C002 | Flanders | 447 m² | 1 · 292 m² | 10.7 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 2,250 EUR awarded · 1,725 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 525 EUR | 525 EUR |
| 2024 | 1 | 1,725 EUR | 1,200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,535 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
Founded03-09-2021
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
68110Buying and selling of own real estate
74999Other professional, scientific and technical activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.