ACREAM
ActiveACREAM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €258k and a net result of €3k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 52% of 7002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
82
/ 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
Profitability70▼-4
Solvency81=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €21k at 30 days acceptable
Liquidity ample (current ratio 3.51 against 3.56 in 2024; short-term debt: 13.9% and cash: 30.1% of total assets), and 43.7% 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○neutral
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
56.3%
Return on assets
0.6%
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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
29 d late
2023
63 d late
2022
20 d early
2021
27 d early
2020
29 d early
2019
63 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€258k▼ 6.3%
2024 · €275k
2018: €149k
2019: €186k
2020: €209k
2021: €236k
2022: €254k
2023: €254k
2024: €275k
2018 → 2025
Total assets
€458k▼ 6.5%
2024 · €490k
2018: €704k
2019: €667k
2020: €606k
2021: €603k
2022: €593k
2023: €537k
2024: €490k
2018 → 2025
Net result
€3k▼ 87.3%
2024 · €22k
2018: €52k
2019: €38k
2020: €28k
2021: €39k
2022: €41k
2023: €4k
2024: €22k
2018 → 2025
Working capital
€160k▲ 12.5%
2024 · €142k
2018: €-52k
2019: €7k
2020: €-4k
2021: €21k
2022: €74k
2023: €99k
2024: €142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€236k-€254k▲ 7.4%€254k=€275k▲ 8.3%€258k▼ 6.3%
Operating result€55k-€60k▲ 10.0%€12k▼ 79.7%€36k▲ 192%€8k▼ 77.3%
Net result€39k-€41k▲ 5.4%€4k▼ 90.5%€22k▲ 464%€3k▼ 87.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 77% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €458k
Fixed assets
€234k▼ 19.8%
Current assets
€224k▲ 13.2%
Equity and liabilities €458k
Equity
€258k▼ 6.3%
Debt
€200k▼ 6.8%
The debt ratio falls from 43.8% to 43.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€98k▼
2024 · €117k
Cash flow
€92k▼
2024 · €104k
Solvency
56.3%▲
2024 · 56.2%
Current ratio
3.51▼
2024 · 3.56
Quick ratio
2.66▲
2024 · 2.35
Debt / equity
0.78▼
2024 · 0.78
ROE
1.1%▼
2024 · 8.0%
ROA
0.6%▼
2024 · 4.5%
Interest coverage
20.47▲
2024 · 19.11
Debt
€200k▼
2024 · €215k
Debt ≤ 1 year
€64k▲
2024 · €56k
Debt > 1 year
€136k▼
2024 · €159k
Income taxes
€647▼
2024 · €8k
Staff costs
€58k▲
2024 · €46k
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€490k€458k▼
Fixed assets21/28€292k€234k▼
Intangible fixed assets21€4k€3k▼
Tangible fixed assets22/27€288k€231k▼
Land and buildings22€181k€175k▼
Plant, machinery and equipment23€39k€47k▲
Furniture and vehicles24€32k€8k▼
Leasing and similar rights25€37k-
Current assets29/58€198k€224k▲
Stocks and contracts in progress3€67k€54k▼
Stocks30/36€67k€54k▼
Amounts receivable within one year40/41€27k€25k▼
Trade receivables40€20k€17k▼
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€96k€138k▲
Deferred charges and accrued income490/1€8k€7k▼
Equity and liabilities
Total equity and liabilities10/49€490k€458k▼
Equity10/15€275k€258k▼
Contributions10/11€19k€19k=
Reserves13€257k€239k▼
Distributable reserves133€257k€239k▼
Amounts payable17/49€215k€200k▼
Amounts payable after more than one year17€159k€136k▼
Financial debts170/4€159k€136k▼
Amounts payable within one year42/48€56k€64k▲
Current portion of amounts payable after more than one year42€35k€23k▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€14k€19k▲
Taxes450/3€10k€15k▲
Remuneration and social security454/9€4k€4k▲
Other amounts payable47/48€859€18k▲
Income statement
Code20242025
Remuneration, social security and pensions62€46k€58k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€82k€89k▲
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A€442-
Gross operating margin9900€168k€158k▼
Operating profit (loss)9901€36k€8k▼
Financial income75/76B€60€64▲
Recurring financial income75€60€64▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€30k€3k▼
Income taxes67/77€8k€647▼
Profit (loss) for the period9904€22k€3k▼
Profit (loss) for the period to be appropriated9905€22k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€22k€3k▼
Transfer from equity791/2-€17k
Transfer to equity691/2€21k-
To other reserves6921€21k-
Profit to be distributed694/7€859€20k▲
Return on contributions (dividend)694€859€20k▲
The notes to these accounts (11 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €3k ▼87.3%
Net result drops to €3k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €209k ▲12.3%
3 profitable years in a row build equity to €209k.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
31-12
Financial
Equity above €150kEq €186k ▲25.3%
2 profitable years in a row build equity to €186k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Evergem · 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.
Oude Burggrave 29940 EvergemGround area
654 m²
Building footprint
653 m²
Volume, LiDAR
4,030 m³
Parcel 43006G0370/00V002, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ACREAM
since 20142.234.191.496
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43006G0370/00V002 | Flanders | 654 m² | 1 · 653 m² | 8.3 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.
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MORE M - SC
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Of 9,863 companies in sector 73110 we hold annual accounts for 3,754. 2,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-08-2014
Fiscal year end31-12
Activities, NACEBEL
18120Other printing
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.