Banden Creemers
ActiveBanden Creemers has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202k and a net result of €19k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 78% of 2510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-21
Solvency96▲+19
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.28 in 2024), and 30.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
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
69.6%
Return on assets
6.4%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 31-03-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
11 d early
2023
30 d early
2022
on the day
2021
15 d early
2020
on the day
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close15-09-2026 today31-03-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€202k▲ 10.2%
2024 · €184k
2019: €123k
2020: €138k
2021: €144k
2022: €156k
2023: €164k
2024: €184k
2019 → 2025
Total assets
€291k▼ 25.0%
2024 · €388k
2019: €323k
2020: €340k
2021: €286k
2022: €294k
2023: €289k
2024: €388k
2019 → 2025
Net result
€19k▼ 23.7%
2024 · €24k
2019: €3k
2020: €36k
2021: €5k
2022: €12k
2023: €8k
2024: €24k
2019 → 2025
Working capital
€64k▲ 18.3%
2024 · €54k
2019: €39k
2020: €34k
2021: €32k
2022: €41k
2023: €45k
2024: €54k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€144k-€156k▲ 8.4%€164k▲ 5.2%€184k▲ 11.8%€202k▲ 10.2%
Operating result€13k-€21k▲ 67.6%€18k▼ 14.1%€41k▲ 124%€32k▼ 22.0%
Net result€5k-€12k▲ 122%€8k▼ 33.2%€24k▲ 201%€19k▼ 23.7%
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 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€148k▲ 3.1%
Current assets
€143k▼ 41.6%
Equity and liabilities €291k
Equity
€202k▲ 10.2%
Debt
€88k▼ 56.7%
The debt ratio falls from 52.6% to 30.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€45k▼
2024 · €51k
Cash flow
€31k▼
2024 · €34k
Solvency
69.6%▲
2024 · 47.4%
Current ratio
1.81▲
2024 · 1.28
Quick ratio
1.43▲
2024 · 1.09
Debt / equity
0.44▼
2024 · 1.11
ROE
9.2%▼
2024 · 13.3%
ROA
6.4%▲
2024 · 6.3%
Interest coverage
5.15▼
2024 · 6.08
Debt
€88k▼
2024 · €204k
Debt ≤ 1 year
€79k▼
2024 · €190k
Debt > 1 year
€9k▼
2024 · €14k
Income taxes
€5k▼
2024 · €9k
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€388k€291k▼
Fixed assets21/28€143k€148k▲
Tangible fixed assets22/27€143k€148k▲
Land and buildings22€136k€130k▼
Plant, machinery and equipment23€4k€13k▲
Furniture and vehicles24€3k€5k▲
Current assets29/58€244k€143k▼
Stocks and contracts in progress3€36k€30k▼
Stocks30/36€36k€30k▼
Amounts receivable within one year40/41€139k€73k▼
Trade receivables40€113k€62k▼
Other amounts receivable41€26k€11k▼
Cash at bank and in hand54/58€64k€34k▼
Deferred charges and accrued income490/1€5k€7k▲
Equity and liabilities
Total equity and liabilities10/49€388k€291k▼
Equity10/15€184k€202k▲
Contributions10/11€82k€82k=
Reserves13€64k€83k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€64k€83k▲
Profit (loss) carried forward14€38k€38k=
Amounts payable17/49€204k€88k▼
Amounts payable after more than one year17€14k€9k▼
Financial debts170/4€14k€9k▼
Amounts payable within one year42/48€190k€79k▼
Financial debts43€19k€16k▼
Credit institutions430/8€19k€16k▼
Trade debts44€128k€51k▼
Suppliers440/4€128k€51k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€36k€9k▼
Taxes450/3€32k€9k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€5k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€12k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€55k€49k▼
Operating profit (loss)9901€41k€32k▼
Financial income75/76B€431€559▲
Recurring financial income75€431€559▲
Non-recurring financial income76B€0-
Financial charges65/66B€8k€9k▲
Recurring financial charges65€8k€9k▲
Profit (loss) for the period before taxes9903€33k€24k▼
Income taxes67/77€9k€5k▼
Profit (loss) for the period9904€24k€19k▼
Profit (loss) for the period to be appropriated9905€24k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€56k▼
Profit (loss) brought forward from the previous period14P€38k€38k=
Transfer to equity691/2€19k€19k▼
To other reserves6921€19k€19k▼
Profit to be distributed694/7€5k-
Directors or managers695€5k-
The notes to these accounts (6 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-08
Financial
Equity above €200kEq €202k ▲10.2%
7 profitable years in a row build equity to €202k.
20-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
Financial
Equity above €150kEq €156k ▲8.4%
4 profitable years in a row build equity to €156k.
16-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
Financial
Highest result since 2019net €36k ▲1301%
Operating result €47k, net result €36k, both a record.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
09-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Lommel · 1 establishment unit since 2000
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.
Lutlommel 1113920 LommelGround area
854 m²
Building footprint
481 m²
Volume, LiDAR
2,199 m³
Parcel 72345B1201/00F003, Flanders · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
AUTOBANDEN CREEMERS
since 20002.116.028.373
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72345B1201/00F003 | Flanders | 854 m² | 1 · 481 m² | 5.7 m · 1 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
JDC Management
BE 0789.955.924
Zottegem · Eq €201k
CENTRE - PNEUS CLEMENT
BE 0464.844.883
Neufchâteau · Eq €204k
BANDEN REDANT VORST
BE 0533.999.153
Vorst · Eq €199k
AUTOBANDEN CARMELO
BE 0472.656.749
Genk · Eq €207k
BANDEN AZIZ
BE 0894.327.429
Antwerpen · Eq €209k
Of 990 companies in sector 95315 we hold annual accounts for 422. 312 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2000
Fiscal year end31-08
Activities, NACEBEL
95315Tyre services
50301
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
45310
47820Retail sale of motor vehicle parts and accessories
46720Wholesale of motor vehicle parts and accessories
50200
50302
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.