CREMERS
ActiveCREMERS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €401k and a net result of €87k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 63% of 36384 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
100
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+13
Solvency98▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 5.3 against 4.45 in 2023), and 42% 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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 31-07-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
on the day
2023
58 d late
2022
101 d late
2021
61 d late
2020
140 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€401k▲ 27.7%
2023 · €314k
2018: €209k
2019: €242k
2020: €221k
2021: €237k
2022: €259k
2023: €314k
2018 → 2024
Total assets
€691k▲ 12.7%
2023 · €613k
2018: €602k
2019: €598k
2020: €569k
2021: €568k
2022: €581k
2023: €613k
2018 → 2024
Net result
€87k▲ 60.2%
2023 · €54k
2018: €20k
2019: €34k
2020: €-21k
2021: €16k
2022: €22k
2023: €54k
2018 → 2024
Working capital
€286k▲ 28.1%
2023 · €223k
2018: €144k
2019: €177k
2020: €147k
2021: €162k
2022: €179k
2023: €223k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€221k-€237k▲ 7.2%€259k▲ 9.4%€314k▲ 20.9%€401k▲ 27.7%
Operating result€-12k-€24k€36k▲ 49.5%€83k▲ 128%€129k▲ 55.6%
Net result€-21k-€16k€22k▲ 41.4%€54k▲ 143%€87k▲ 60.2%
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 has risen four years in a row; 2024 is 56% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €691k
Fixed assets
€339k▲ 4.1%
Current assets
€352k▲ 22.4%
Equity and liabilities €691k
Equity
€401k▲ 27.7%
Debt
€290k▼ 3.1%
The debt ratio falls from 48.8% to 42.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€151k▲
2023 · €101k
Cash flow
€109k▲
2023 · €72k
Solvency
58.0%▲
2023 · 51.2%
Current ratio
5.30▲
2023 · 4.45
Quick ratio
3.80▲
2023 · 3.74
Debt / equity
0.72▼
2023 · 0.95
ROE
21.7%▲
2023 · 17.3%
ROA
12.6%▲
2023 · 8.9%
Interest coverage
20.59▲
2023 · 13.36
Debt
€290k▼
2023 · €300k
Debt ≤ 1 year
€66k▲
2023 · €65k
Debt > 1 year
€223k▼
2023 · €234k
Income taxes
€35k▲
2023 · €21k
Staff costs
€74k▲
2023 · €73k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€613k€691k▲
Fixed assets21/28€326k€339k▲
Tangible fixed assets22/27€326k€339k▲
Land and buildings22€311k€300k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€10k€35k▲
Current assets29/58€288k€352k▲
Stocks and contracts in progress3€46k€99k▲
Stocks30/36€46k€41k▼
Contracts in progress37-€59k
Amounts receivable within one year40/41€109k€59k▼
Trade receivables40€90k€49k▼
Other amounts receivable41€18k€10k▼
Cash at bank and in hand54/58€131k€193k▲
Deferred charges and accrued income490/1€2k€657▼
Equity and liabilities
Total equity and liabilities10/49€613k€691k▲
Equity10/15€314k€401k▲
Contributions10/11€25k€25k=
Reserves13€113k€200k▲
Non-distributable reserves130/1€110k€197k▲
Other1319€110k€197k▲
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€176k€176k=
Amounts payable17/49€300k€290k▼
Amounts payable after more than one year17€234k€223k▼
Financial debts170/4€234k€223k▼
Amounts payable within one year42/48€65k€66k▲
Current portion of amounts payable after more than one year42€25k€27k▲
Financial debts43€4k€3k▼
Credit institutions430/8€4k€3k▼
Trade debts44€26k€3k▼
Suppliers440/4€26k€3k▼
Taxes, remuneration and social security45€9k€32k▲
Taxes450/3€9k€32k▲
Remuneration and social security454/9-€100
Other amounts payable47/48€730€892▲
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20232024
Remuneration, social security and pensions62€73k€74k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€22k▲
Other operating charges640/8€4k€5k▲
Gross operating margin9900€177k€229k▲
Operating profit (loss)9901€83k€129k▲
Financial income75/76B€9€89▲
Recurring financial income75€9€89▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€75k€122k▲
Income taxes67/77€21k€35k▲
Profit (loss) for the period9904€54k€87k▲
Profit (loss) for the period to be appropriated9905€54k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€229k€263k▲
Profit (loss) brought forward from the previous period14P€175k€176k▲
Transfer to equity691/2€53k€87k▲
To other reserves6921€53k€87k▲
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
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €87k ▲60.2%
Operating result €129k, net result €87k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
09-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 101 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 140 days late
2020
31-12
Financial
Weakest financial yearnet €-21k ▼162%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 56 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
2016
15-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 46 days late
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, Zaventem · 1 establishment unit since 2012
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.
Leuvensesteenweg 4901930 ZaventemGround area
332 m²
Building footprint
247 m²
Volume, LiDAR
1,216 m³
Parcel 23772C0434/00C002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREMERS BVBA
since 20122.213.800.415
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23772C0434/00C002 | Flanders | 332 m² | 1 · 247 m² | 7.9 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
DELRUE SANITAIR EN VERWARMING
BE 0430.627.738
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Michiel Matthijs
BE 0792.941.247
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Tassignon Dakwerken
BE 0421.088.282
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L'énergie idéale
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SBI-TECH
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Of 6,981 companies in sector 43221 we hold annual accounts for 3,442. 2,492 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2012
Fiscal year end31-12
Activities, NACEBEL
43221Plumbing work
43211General electrical installation work
43222Installation of electric heating, air conditioning, cooling and ventilation
43990Other specialised construction activities
43999Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.