CCRI
ActiveSummary
CCRI has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €104k and a net result of €6k. Equity is growing by ~4.1% per year across the filed fiscal years. Its solvency ranks better than 90% of 10359 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+3
Solvency100=
Growth85=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.71 against 42.1 in 2024; short-term debt: 16.7% and cash: 11% of total assets), and 18.4% 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+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
81.6%
Return on assets
4.3%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
31 d late
2022
32 d late
2021
10 d late
2020
25 d late
2019
12 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, abbreviated schema
Turnover
€696k▲ 403%
2024 · €138k
2018: €33k
2019: €407k
2020: €263k
2021: €357k
2022: €14k
2023: €108k
2024: €138k
2018 → 2025
EBIT margin
1.4%▼ 4.3pp
2024 · 5.7%
2018: -94.0%
2019: 17.1%
2020: 5.6%
2021: 5.7%
2022: 43.7%
2023: -6.8%
2024: 5.7%
2018 → 2025
Net result
€6k▲ 80.0%
2024 · €3k
2018: €-33k
2019: €64k
2020: €7k
2021: €11k
2022: €4k
2023: €-9k
2024: €3k
2018 → 2025
Working capital
€79k▲ 7.5%
2024 · €74k
2018: €-27k
2019: €17k
2020: €33k
2021: €56k
2022: €63k
2023: €31k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€357k-€14k▼ 96.0%€108k▲ 651%€138k▲ 27.8%€696k▲ 403%
Equity€101k-€105k▲ 3.8%€96k▼ 8.8%€99k▲ 3.2%€104k▲ 5.6%
Operating result€21k-€6k▼ 69.3%€-7k€8k€9k▲ 19.9%
Net result€11k-€4k▼ 64.0%€-9k€3k€6k▲ 80.0%
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 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€27k =
Current assets
€100k ▲ 33.3%
Equity and liabilities €128k
Equity
€104k ▲ 5.6%
Debt
€24k ▲ 487%
Debt's share of the balance-sheet total rises from 3.9% to 18.4%. Equity and debt are higher.
Key figures and ratios
Current ratio
4.71▼
2024 · 42.10
Debt to equity
0.23▲
2024 · 0.04
ROE
5.3%▲
2024 · 3.1%
ROA
4.3%▲
2024 · 3.0%
Debt ≤ 1 year
€21k▲
2024 · €2k
Debt > 1 year
€2k=
2024 · €2k
Income taxes
€2k▲
2024 · €1k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€103k€128k▲
Fixed assets21/28€27k€27k=
Financial fixed assets28€27k€27k=
Current assets29/58€75k€100k▲
Amounts receivable within one year40/41€70k€86k▲
Trade receivables40€67k€82k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58€4k€14k▲
Deferred charges and accrued income490/1€546-
Equity and liabilities
Total equity and liabilities10/49€103k€128k▲
Equity10/15€99k€104k▲
Contributions10/11€67k€67k=
Capital10€67k€67k=
Issued capital100€67k€67k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€29k€34k▲
Amounts payable17/49€4k€24k▲
Amounts payable after more than one year17€2k€2k=
Financial debts170/4€2k€2k=
Amounts payable within one year42/48€2k€21k▲
Trade debts44€352€10k▲
Suppliers440/4€352€10k▲
Taxes, remuneration and social security45€1k€8k▲
Taxes450/3€494€1k▲
Remuneration and social security454/9€685€7k▲
Other amounts payable47/48€258€3k▲
Income statement
Code20242025
Turnover70€138k€696k▲
Non-recurring operating income76A-€4k
Goods, raw materials, services and sundry goods60/61€126k€690k▲
Non-recurring operating charges66A€4k-
Gross operating margin9900€12k€9k▼
Operating profit (loss)9901€8k€9k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€4k€7k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€3k€6k▲
Profit (loss) for the period to be appropriated9905€3k€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€34k▲
Profit (loss) brought forward from the previous period14P€26k€29k▲
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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €100kEq €104k ▲5.6%
2 profitable years in a row build equity to €104k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
31-12
Financial
Liquidity times 17current ratio 42.10
Current ratio from 2.52 to 42.10; short-term debt falls from €21k to €2k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
10-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 10 days late
2021
31-12
Financial
Equity above €100kEq €101k ▲11.7%
3 profitable years in a row build equity to €101k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.61
Current ratio from 1.23 to 2.61; short-term debt falls from €73k to €21k.
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
Show earlier events
2019
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-07
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
9 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, La Louvière · 1 establishment unit since 1996
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 Wauters J.(S-B) 267110 La LouvièreGround area
8,869 m²
Building footprint
195 m²
Parcel 53053D0262/00A000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CCRI TRADING
since 19962.075.007.865
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0262/00A000 | Wallonia | 8,869 m² | 1 · 195 m² | - |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
V O M A T
BE 0862.399.482
Aalter · Eq €105,540
FLORAUME
BE 0836.644.497
Deinze · Eq €100,235
Pirot-Matthys
BE 0739.846.219
Nijlen · Eq €99,108
QUICK KIP
BE 0784.865.206
Kruisem · Eq €109,824
GEBROEDERS PEETERS
BE 0480.377.157
Dilsen-Stokkem · Eq €110,304
Of 269 companies in sector 47222 we hold annual accounts for 134. 112 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 formPublic limited company
Founded10-01-1996
Fiscal year end31-12
Activities, NACEBEL 2025
47222Retail trade
46120Wholesale trade
46190Agents in non-specialised wholesale trade
46720Wholesale of motor vehicle parts and accessories
47110Non-specialised retail sale with food, beverages or tobacco predominating
56112Limited-service restaurants, excluding mobile food services
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0488480605