HERMAN CROUX
ActiveSummary
HERMAN CROUX has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €286k and a net result of €91k. Equity is growing by ~45.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 12707 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
98
/ 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
Profitability100=
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.89 against 3.87 in 2024; short-term debt: 20.5% and cash: 52% of total assets), and 20.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
79.5%
Return on assets
25.4%
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-09-2026, 50 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
50 d late
2024
61 d late
2023
30 d late
2022
67 d late
2021
75 d late
2020
91 d late
2019
122 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
€286k▲ 46.9%
2024 · €195k
2018: €60k
2019: €33k
2020: €18k
2021: €15k
2022: €76k
2023: €112k
2024: €195k
2018 → 2025
Total assets
€360k▲ 36.9%
2024 · €263k
2018: €111k
2019: €107k
2020: €97k
2021: €92k
2022: €122k
2023: €162k
2024: €263k
2018 → 2025
Net result
€91k▲ 10.5%
2024 · €83k
2018: €50k
2019: €43k
2020: €85k
2021: €55k
2022: €61k
2023: €36k
2024: €83k
2018 → 2025
Working capital
€286k▲ 46.9%
2024 · €195k
2018: €60k
2019: €33k
2020: €18k
2021: €15k
2022: €76k
2023: €112k
2024: €195k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€76k▲ 416%€112k▲ 48.0%€195k▲ 73.7%€286k▲ 46.9%
Operating result€74k-€85k▲ 14.8%€57k▼ 32.8%€112k▲ 95.8%€121k▲ 8.6%
Net result€55k-€61k▲ 11.7%€36k▼ 40.4%€83k▲ 127%€91k▲ 10.5%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 9% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €360k
Equity
€286k ▲ 46.9%
Debt
€74k ▲ 8.3%
Debt's share of the balance-sheet total falls from 25.9% to 20.5%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.89▲
2024 · 3.87
Debt to equity
0.26▼
2024 · 0.35
ROE
31.9%▼
2024 · 42.4%
ROA
25.4%▼
2024 · 31.4%
Debt ≤ 1 year
€74k▲
2024 · €68k
Income taxes
€38k▲
2024 · €36k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€263k€360k▲
Current assets29/58€263k€360k▲
Amounts receivable after more than one year29€85k€162k▲
Other amounts receivable291€85k€162k▲
Amounts receivable within one year40/41€66k€10k▼
Other amounts receivable41€66k€10k▼
Cash at bank and in hand54/58€113k€187k▲
Equity and liabilities
Total equity and liabilities10/49€263k€360k▲
Equity10/15€195k€286k▲
Contributions10/11€36k€36k=
Reserves13€182k€274k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€180k€272k▲
Profit (loss) carried forward14€-23k€-23k=
Amounts payable17/49€68k€74k▲
Amounts payable within one year42/48€68k€74k▲
Trade debts44-€6k
Suppliers440/4-€6k
Taxes, remuneration and social security45€68k€68k▲
Taxes450/3€68k€68k▲
Income statement
Code20242025
Other operating charges640/8€177€58▼
Gross operating margin9900€112k€121k▲
Operating profit (loss)9901€112k€121k▲
Financial income75/76B€8k€9k▲
Recurring financial income75€8k€9k▲
Financial charges65/66B€811€856▲
Recurring financial charges65€811€856▲
Profit (loss) for the period before taxes9903€118k€129k▲
Income taxes67/77€36k€38k▲
Profit (loss) for the period9904€83k€91k▲
Profit (loss) for the period to be appropriated9905€83k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€68k▲
Profit (loss) brought forward from the previous period14P€-23k€-23k=
Transfer to equity691/2€83k€91k▲
To other reserves6921€83k€91k▲
The notes to these accounts (2 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
19-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 50 days late
2025
31-12
Financial
Highest result since 2018net €91k ▲10.5%
Operating result €121k, net result €91k, both a record.
31-12
Financial
Equity above €200kEq €286k ▲46.9%
8 profitable years in a row build equity to €286k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Equity above €150kEq €195k ▲73.7%
7 profitable years in a row build equity to €195k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €36k ▼40.4%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €112k ▲48%
6 profitable years in a row build equity to €112k.
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 67 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.63
Current ratio from 1.19 to 2.63; short-term debt falls from €77k to €47k.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
2021
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 91 days late
Show earlier events
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 127 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2010
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.
Felix Sterckxstraat 251020 BrusselGround area
586 m²
Building footprint
116 m²
Volume, LiDAR
1,146 m³
Parcel 21816C0023/00H010, Brussels · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
HERMAN CROUX
since 20102.274.475.695
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0023/00H010 | Brussels | 586 m² | 1 · 116 m² | 13.1 m · 4 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
BERGHS
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BERNARD MAINGAIN, AVOCAT
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sfpc
BE 0760.792.180
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DEMOSDOS
BE 0840.454.817
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DEUMER SANDRINE AVOCAT
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Of 22,058 companies in sector 69101 we hold annual accounts for 9,052. 6,815 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
Founded29-09-2010
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.