CHRIMARC
ActiveSummary
CHRIMARC has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.05M and a net result of €111k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 82% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency100=
Growth68=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €250k at 30 days acceptable
Liquidity ample (current ratio 1.87 against 2.43 in 2024; short-term debt: 7.3% and cash: 6.9% of total assets), and 13.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
86.4%
Return on assets
3.2%
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 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
on the day
2023
23 d early
2022
21 d late
2021
4 d early
2020
57 d early
2019
42 d early
← 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
€1.21M▲ 78.3%
2019 · €678k
2019: €678k
2019 → 2020
EBIT margin
64.7%▲ 27.3pp
2019 · 37.4%
2019: 37.4%
2019 → 2020
Net result
€111k▼ 27.9%
2024 · €154k
2018: €885k
2019: €115k
2020: €583k
2021: €365k
2022: €278k
2023: €659k
2024: €154k
2018 → 2025
Working capital
€225k▼ 76.1%
2024 · €941k
2018: €-568k
2019: €-283k
2020: €-552k
2021: €-110k
2022: €1.13M
2023: €1.15M
2024: €941k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.88M-€3.16M▲ 9.7%€3.47M▲ 9.7%€3.58M▲ 3.4%€3.05M▼ 15.0%
Operating result€710k-€486k▼ 31.6%€792k▲ 63.1%€168k▼ 78.8%€201k▲ 19.9%
Net result€365k-€278k▼ 23.7%€659k▲ 137%€154k▼ 76.6%€111k▼ 27.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.53M
Fixed assets
€3.05M ▲ 6.0%
Current assets
€483k ▼ 69.8%
Equity and liabilities €3.53M
Equity
€3.05M ▼ 15.0%
Provisions
€207k =
Debt
€274k ▼ 59.8%
Debt's share of the balance-sheet total falls from 15.2% to 7.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€417k▲
2024 · €369k
Cash flow
€327k▼
2024 · €355k
Current ratio
1.87▼
2024 · 2.43
Debt to equity
0.09▼
2024 · 0.19
ROE
3.7%▼
2024 · 4.3%
ROA
3.2%▼
2024 · 3.5%
Interest coverage
31.28▲
2024 · 11.98
Debt ≤ 1 year
€258k▼
2024 · €658k
Income taxes
€99k▲
2024 · €64k
Staff costs
€54k▼
2024 · €54k
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.47M€3.53M▼
Fixed assets21/28€2.87M€3.05M▲
Tangible fixed assets22/27€2.87M€3.05M▲
Land and buildings22€2.76M€2.97M▲
Furniture and vehicles24€118k€77k▼
Current assets29/58€1.60M€483k▼
Amounts receivable after more than one year29€1.43M€0▼
Other amounts receivable291€1.43M€0▼
Amounts receivable within one year40/41€58k€221k▲
Trade receivables40€58k€221k▲
Cash at bank and in hand54/58€13k€243k▲
Deferred charges and accrued income490/1€92k€19k▼
Equity and liabilities
Total equity and liabilities10/49€4.47M€3.53M▼
Equity10/15€3.58M€3.05M▼
Contributions10/11€20k€20k=
Reserves13€3.56M€3.03M▼
Tax-exempt reserves132€684k€684k=
Distributable reserves133€2.88M€2.34M▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€207k€207k=
Deferred taxes168€207k€207k=
Amounts payable17/49€682k€274k▼
Amounts payable within one year42/48€658k€258k▼
Trade debts44€32k€6k▼
Suppliers440/4€32k€6k▼
Taxes, remuneration and social security45€60k€67k▲
Taxes450/3€52k€57k▲
Remuneration and social security454/9€8k€10k▲
Other amounts payable47/48€566k€185k▼
Accrued charges and deferred income492/3€24k€16k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€54k€54k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€201k€216k▲
Other operating charges640/8€12k€11k▼
Gross operating margin9900€434k€482k▲
Operating profit (loss)9901€168k€201k▲
Financial income75/76B€81k€22k▼
Recurring financial income75€81k€22k▼
Financial charges65/66B€31k€13k▼
Recurring financial charges65€31k€13k▼
Profit (loss) for the period before taxes9903€218k€210k▼
Transfer to deferred taxes680€0-
Income taxes67/77€64k€99k▲
Profit (loss) for the period9904€154k€111k▼
Transfer from tax-exempt reserves789€0-
Transfer to tax-exempt reserves689€63k€0▼
Profit (loss) for the period to be appropriated9905€91k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€111k▲
Transfer from equity791/2€37k€648k▲
Transfer to equity691/2€91k€111k▲
To other reserves6921€91k€111k▲
Profit to be distributed694/7€37k€648k▲
Return on contributions (dividend)694€37k€648k▲
Social balance
Average headcount (FTE)90870.90.8▼
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €111k ▼27.9%
Net result drops to €111k, the lowest in the series.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 2.63
Current ratio from 0.69 to 2.63.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.52M ▲30.1%
3 profitable years in a row build equity to €2.52M.
19-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
07-07
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
8 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, Brugge · 1 establishment unit since 1999
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.
Scharphoutstraat 1068380 BruggeGround area
2.5 ha
Building footprint
2,632 m²
Volume, LiDAR
2,481 m³
2 parcels, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kraakstraat 8, 8380 Brugge
since 19992.092.007.017
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31812Q0200/00C000 | Flanders | 1.8 ha | 1 · 2,100 m² | - |
| 31016D0563/00B002 | Flanders | 7,279 m² | 1 · 532 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 15,689 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 formPrivate limited company
Founded23-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
68203Renting and operating of own or leased non-residential real estate, excluding land
69209Other tax advisory services
73200Market research and public opinion polling
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.