PAUL DECRAEMER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.78M and a net result of €22k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 8024 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
56 d early
2023
58 d early
2022
53 d early
2021
62 d early
2020
26 d early
2019
58 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3.78M▲ 0.6%
2024 · €3.75M
2018: €3.17M
2019: €3.12M
2020: €2.96M
2021: €3.42M
2022: €3.45M
2023: €3.57M
2024: €3.75M
2018 → 2025
Net result
€22k▼ 88.0%
2024 · €180k
2018: €-236k
2019: €-49k
2020: €-166k
2021: €468k
2022: €23k
2023: €126k
2024: €180k
2018 → 2025
Total assets
€3.78M▼ 0.3%
2024 · €3.79M
2018: €3.23M
2019: €3.14M
2020: €3.23M
2021: €3.48M
2022: €3.46M
2023: €3.59M
2024: €3.79M
2018 → 2025
Solvency
99.9%▲ 0.9pp
2024 · 99.1%
2018: 98.1%
2019: 99.3%
2020: 91.4%
2021: 98.4%
2022: 99.6%
2023: 99.5%
2024: 99.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.42M-€3.45M▲ 0.7%€3.57M▲ 3.7%€3.75M▲ 5.0%€3.78M▲ 0.6%
Operating result€89k-€85k▼ 5.3%€145k▲ 70.8%€25k▼ 82.7%€-59k
Net result€468k-€23k▼ 95.0%€126k▲ 443%€180k▲ 42.6%€22k▼ 88.0%
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 turns negative in 2025: a loss of €59k after €25k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.78M
Fixed assets
€810k▲ 0.2%
Current assets
€2.97M▼ 0.4%
Equity and liabilities €3.78M
Equity
€3.78M▲ 0.6%
Debt
€3k▼ 92.1%
The debt ratio falls from 0.9% to 0.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.9%▲
2024 · 99.1%
ROE
0.6%▼
2024 · 4.8%
ROA
0.6%▼
2024 · 4.8%
Debt
€3k▼
2024 · €35k
Debt ≤ 1 year
€3k▼
2024 · €35k
Income taxes
€10k▼
2024 · €38k
A ratio outside any meaningful range has been withheld (balance sheet total €3.78M, equity €3.78M).
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€3.79M€3.78M▼
Fixed assets21/28€808k€810k▲
Tangible fixed assets22/27€190k€192k▲
Land and buildings22€190k€190k=
Plant, machinery and equipment23€891€2k▲
Financial fixed assets28€618k€618k=
Current assets29/58€2.98M€2.97M▼
Amounts receivable within one year40/41€20k€170▼
Trade receivables40€0-
Other amounts receivable41€20k€170▼
Current investments50/53€2.69M€2.44M▼
Cash at bank and in hand54/58€273k€530k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€3.79M€3.78M▼
Equity10/15€3.75M€3.78M▲
Contributions10/11€19k€19k=
Reserves13€3.74M€3.76M▲
Distributable reserves133€3.74M€3.76M▲
Amounts payable17/49€35k€3k▼
Amounts payable within one year42/48€35k€3k▼
Trade debts44€112€852▲
Suppliers440/4€112€852▲
Taxes, remuneration and social security45€22k€2k▼
Taxes450/3€22k€2k▼
Other amounts payable47/48€13k€0▼
Accrued charges and deferred income492/3-€177
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€251€256▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€30k€-54k▼
Operating profit (loss)9901€25k€-59k▼
Financial income75/76B€144k€109k▼
Recurring financial income75€144k€109k▼
Financial charges65/66B€-49k€19k▲
Recurring financial charges65€-49k€19k▲
Profit (loss) for the period before taxes9903€218k€31k▼
Income taxes67/77€38k€10k▼
Profit (loss) for the period9904€180k€22k▼
Profit (loss) for the period to be appropriated9905€180k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€180k€22k▼
Transfer to equity691/2€180k€22k▼
To other reserves6921€180k€22k▼
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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 14current ratio 1137.68
Current ratio from 84.22 to 1137.68; short-term debt falls from €35k to €3k.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
State Gazette act
Director reappointment · Permanent representative
Auditor appointment
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-09
State Gazette act
General meeting · Director reappointment
Permanent representative
08-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 257.70
Current ratio from 64.09 to 257.70; short-term debt falls from €54k to €13k.
22-12
State Gazette act
General meeting · Director reappointment
Permanent representative
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €468k
Net result €468k after 3 loss-making years.
31-12
Financial
Liquidity times 6current ratio 64.09
Current ratio from 11.58 to 64.09; short-term debt falls from €278k to €54k.
16-08
State Gazette act
General meeting · Director reappointment
Permanent representative · Director appointment
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
18-06
State Gazette act
General meeting · Director reappointment
03-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 148.40
Current ratio from 51.29 to 148.40; short-term debt falls from €62k to €21k.
02-07
State Gazette act
General meeting · Director reappointment
Director appointment
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
State Gazette act
General meeting · Director appointment
Permanent representative · Auditor appointment
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB 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, Lochristi · 1 establishment unit since 2001
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.
Koningin Astridlaan 99080 LochristiGround area
780 m²
Building footprint
153 m²
Volume, LiDAR
745 m³
Parcel 44034A0887/00L002, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Koningin Astridlaan 9, 9080 Lochristi
since 20012.097.958.659
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034A0887/00L002 | Flanders | 780 m² | 1 · 153 m² | 7.4 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.
Structure & network
Ownership & control
1 partyPAUL DECRAEMERBE 0474.401.957
controls
Where this company holds controlthis company sits on their board1
1 subsidiary · 1 location
Recognitions · licences · registrations
Legal Entity Identifier
96760079JF0A51PNWG93
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 9,003 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-03-2001
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.