CRUMULI
ActiveSummary
The computed 12-month bankruptcy probability of CRUMULI is 2.2% (moderate). The 2025 annual accounts show negative equity (€-41k) and a net result of €64. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 11% of 13305 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
30
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability45▲+45
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.2 against 0.13 in 2024; short-term debt: 160.7% and cash: 5.4% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-82%
Return on assets
0.1%
Age of the figures
9 mo
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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 13305 sector peers (2025).
NBB · sector comparisonPosition among 13305 sector peers
Solvency
better than 11%
← weakest
strongest →
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 26-03-2026, 127 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
127 d early
2024
31 d early
2023
30 d early
2022
12 d early
2021
38 d early
2020
16 d late
2019
52 d late
← 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
€-41k▲ 0.2%
2024 · €-41k
2019: €8k
2020: €6k
2021: €22k
2022: €-2k
2023: €-13k
2024: €-41k
2019 → 2025
Total assets
€50k▼ 2.8%
2024 · €52k
2019: €19k
2020: €17k
2021: €32k
2022: €35k
2023: €29k
2024: €52k
2019 → 2025
Net result
€64
2024 · €-28k
2019: €2k
2020: €-2k
2021: €16k
2022: €-24k
2023: €-11k
2024: €-28k
2019 → 2025
Working capital
€-65k▲ 2.0%
2024 · €-66k
2019: €4k
2020: €-2k
2021: €7k
2022: €-14k
2023: €-22k
2024: €-66k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€-2k€-13k▼ 488%€-41k▼ 212%€-41k▲ 0.2%
Operating result€16k-€-23k€-10k▲ 58.1%€-26k▼ 169%€3k
Net result€16k-€-24k€-11k▲ 54.7%€-28k▼ 155%€64
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: €3k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€35k ▼ 17.0%
Current assets
€16k ▲ 54.8%
Key figures and ratios
EBITDA
€12k▲
2024 · €-21k
Cash flow
€9k▲
2024 · €-23k
Solvency
-82.0%▼
2024 · -79.8%
Current ratio
0.20▲
2024 · 0.13
Quick ratio
0.11▲
2024 · 0.07
Debt to equity
-2.22▲
2024 · -2.25
ROA
0.1%▲
2024 · -54.2%
Interest coverage
3.13▲
2024 · -6.76
Debt
€92k▼
2024 · €93k
Debt ≤ 1 year
€81k▲
2024 · €77k
Debt > 1 year
€11k▼
2024 · €17k
Income taxes
€141▲
2024 · €140
Staff costs
€47k▲
2024 · €46k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€52k€50k▼
Fixed assets21/28€42k€35k▼
Tangible fixed assets22/27€39k€34k▼
Land and buildings22€7k€9k▲
Plant, machinery and equipment23€1k€756▼
Furniture and vehicles24€31k€24k▼
Financial fixed assets28€3k€750▼
Current assets29/58€10k€16k▲
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40€1k€6k▲
Cash at bank and in hand54/58€1k€3k▲
Deferred charges and accrued income490/1€3k€658▼
Equity and liabilities
Total equity and liabilities10/49€52k€50k▼
Equity10/15€-41k€-41k▲
Contributions10/11€21k€21k=
Profit (loss) carried forward14€-62k€-62k▲
Amounts payable17/49€93k€92k▼
Amounts payable after more than one year17€17k€11k▼
Financial debts170/4€17k€11k▼
Amounts payable within one year42/48€77k€81k▲
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€32k€33k▲
Suppliers440/4€32k€33k▲
Advances received on contracts in progress46-€4k
Taxes, remuneration and social security45€21k€13k▼
Taxes450/3€9k€7k▼
Remuneration and social security454/9€13k€6k▼
Other amounts payable47/48€18k€21k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€46k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€8k▲
Other operating charges640/8€5k€5k▼
Non-recurring operating charges66A€0€91▲
Gross operating margin9900€31k€64k▲
Operating profit (loss)9901€-26k€3k▲
Financial income75/76B€1k€838▼
Recurring financial income75€1k€838▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€-28k€205▲
Income taxes67/77€140€141▲
Profit (loss) for the period9904€-28k€64▲
Profit (loss) for the period to be appropriated9905€-28k€64▲
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-62k▲
Profit (loss) brought forward from the previous period14P€-34k€-62k▼
The notes to these accounts (15 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €64
Net result €64 after 3 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-28k
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 52 days late
2018
23-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 23 days late
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2016
09-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Blankenberge · 1 establishment unit since 2014
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.
Molenstraat 38370 BlankenbergeGround area
1,120 m²
Building footprint
1,109 m²
Volume, LiDAR
24,952 m³
2 parcels, Flanders · tallest building 32.0 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
de Smet de Naeyerlaan 1, 8370 Blankenberge
since 20142.226.977.567
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31004A0727/00V000 | Flanders | 1,049 m² | 1 · 1,038 m² | 32.0 m · 9 fl. |
| 31004A0608/00C000 | Flanders | 71 m² | 1 · 71 m² | 15.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2022 · 1 entry · 660 EUR awarded · 660 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 660 EUR | 660 EUR |
Schemes
Vlaams Beschermingsmechanisme 9 (stopgezet)
Recognitions · licences · registrations
Food safety, FASFC
1 siteBlankenberge2.226.977.567
Similar companies · same sector, comparable size
DE STOOFPOT
BE 0446.034.308
Hoegaarden · Eq €22,079
DURAID INVEST
BE 0803.793.171
Antwerpen · Eq €22,056
SYNCRO
BE 1015.165.079
Ninove · Eq €22,087
PR Management
BE 0669.717.001
Turnhout · Eq €22,087
SIDONIE
BE 0434.664.126
Libramont-Chevigny · Eq €22,054
Of 20,493 companies in sector 56111 we hold annual accounts for 11,461. 8,963 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
Founded24-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
56111Full-service restaurants
56112Limited-service restaurants, excluding mobile food services
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
46389Wholesale of other food products
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.