LES CRETIAS
ActiveLES CRETIAS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €9k. Equity remains stable across the filed fiscal years (±2.3% per year). Its solvency ranks better than 43% of 679 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+19
Solvency45▲+2
Growth58=
Track record100
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 1.05 against 0.96 in 2024; short-term debt: 56.5% and cash: 0.2% of total assets), and 80.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
19.9%
Return on assets
2%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
29 d late
2023
30 d late
2022
6 d early
2021
4 d early
2020
5 d early
2019
48 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€93k▲ 8.9%
2024 · €85k
2018: €169k
2019: €75k
2020: €77k
2021: €105k
2022: €97k
2023: €91k
2024: €85k
2018 → 2025
Total assets
€466k▼ 2.2%
2024 · €477k
2018: €444k
2019: €410k
2020: €395k
2021: €473k
2022: €481k
2023: €480k
2024: €477k
2018 → 2025
Net result
€9k
2024 · €-4k
2018: €-46k
2019: €-93k
2020: €3k
2021: €30k
2022: €-6k
2023: €-4k
2024: €-4k
2018 → 2025
Working capital
€13k
2024 · €-10k
2018: €-140k
2019: €-209k
2020: €-196k
2021: €-166k
2022: €-172k
2023: €-157k
2024: €-10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€97k▼ 7.2%€91k▼ 6.4%€85k▼ 6.0%€93k▲ 8.9%
Operating result€37k-€5k▼ 86.9%€9k▲ 98.0%€22k▲ 130%€23k▲ 6.9%
Net result€30k-€-6k€-4k▲ 23.3%€-4k▲ 16.3%€9k
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 2022 the operating result has climbed three years in a row; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €466k
Fixed assets
€190k▼ 13.0%
Current assets
€276k▲ 6.9%
Equity and liabilities €466k
Equity
€93k▲ 8.9%
Debt
€373k▼ 4.7%
The debt ratio falls from 82.1% to 80.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€52k▲
2024 · €51k
Cash flow
€38k▲
2024 · €26k
Solvency
19.9%▲
2024 · 17.9%
Current ratio
1.05▲
2024 · 0.96
Quick ratio
1.05▲
2024 · 0.88
Debt / equity
4.02▼
2024 · 4.59
ROE
10.0%▲
2024 · -4.4%
ROA
2.0%▲
2024 · -0.8%
Interest coverage
3.70▲
2024 · 1.88
Debt
€373k▼
2024 · €392k
Debt ≤ 1 year
€263k▼
2024 · €268k
Debt > 1 year
€110k▼
2024 · €123k
Income taxes
€2k
Staff costs
€19k▼
2024 · €25k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€477k€466k▼
Fixed assets21/28€219k€190k▼
Tangible fixed assets22/27€219k€190k▼
Land and buildings22€209k€185k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€6k€3k▼
Current assets29/58€258k€276k▲
Stocks and contracts in progress3€21k€0▼
Stocks30/36€21k€0▼
Amounts receivable within one year40/41€236k€275k▲
Trade receivables40€0€3k▲
Other amounts receivable41€236k€272k▲
Cash at bank and in hand54/58€619€1k▲
Equity and liabilities
Total equity and liabilities10/49€477k€466k▼
Equity10/15€85k€93k▲
Contributions10/11€130k€130k=
Capital10€130k€130k=
Issued capital100€130k€130k=
Reserves13€13k€13k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Profit (loss) carried forward14€-74k€-65k▲
Investment grants15€17k€15k▼
Amounts payable17/49€392k€373k▼
Amounts payable after more than one year17€123k€110k▼
Financial debts170/4€123k€110k▼
Amounts payable within one year42/48€268k€263k▼
Current portion of amounts payable after more than one year42€22k€20k▼
Financial debts43€89k€103k▲
Credit institutions430/8€89k€103k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€6k€8k▲
Taxes450/3€4k€7k▲
Remuneration and social security454/9€2k€546▼
Other amounts payable47/48€146k€125k▼
Income statement
Code20242025
Non-recurring operating income76A€600€584▼
Remuneration, social security and pensions62€25k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€28k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€81k€76k▼
Operating profit (loss)9901€22k€23k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€27k€14k▼
Recurring financial charges65€27k€14k▼
Profit (loss) for the period before taxes9903€-4k€11k▲
Income taxes67/77-€2k
Profit (loss) for the period9904€-4k€9k▲
Profit (loss) for the period to be appropriated9905€-4k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-74k€-65k▲
Profit (loss) brought forward from the previous period14P€-71k€-74k▼
The notes to these accounts (12 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €9k
Net result €9k after 3 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €30k ▲754%
Operating result €37k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲36.6%
2 profitable years in a row build equity to €105k.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
17-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 48 days late
2019
31-12
Financial
Weakest financial yearnet €-93k
Net result drops to €-93k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 4 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Dinant · 1 establishment unit since 2002
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 des Crétias 445500 DinantGround area
1,524 m²
Building footprint
296 m²
Volume, LiDAR
2,137 m³
Parcel 91044A0269/00G000, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue des Crétias 44, 5500 Dinant
since 20022.103.245.654
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91044A0269/00G000 | Wallonia | 1,524 m² | 1 · 296 m² | 10.2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteDinant2.103.245.654
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Of 2,395 companies in sector 55100 we hold annual accounts for 1,516. 1,033 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-02-2002
Fiscal year end31-12
Activities, NACEBEL
55100Hotels and similar accommodation
55101Hotels
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@aubergedescretes.be
Phone:082/744211