CHRISTAL INVEST
ActiveCHRISTAL INVEST has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.14M and a net result of €-76k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 81% of 9135 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+36
Solvency99▲+41
Growth52▲+20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €150k at 30 days acceptable
Liquidity short (current ratio 0.09 against 0.01 in 2024; short-term debt: 26.2% and cash: 1.1% of total assets), and 26.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 68
Relative position
BE, all sectors
reference
Sector 68
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
73.8%
Return on assets
-2.6%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €2.14M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
on the day
2023
30 d early
2022
6 d early
2021
4 d early
2020
12 d late
2019
52 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.14M▲ 477%
2024 · €370k
2019: €560k
2020: €531k
2021: €519k
2022: €489k
2023: €481k
2024: €370k
2019 → 2025
Total assets
€2.90M▲ 157%
2024 · €1.13M
2019: €1.80M
2020: €1.59M
2021: €1.56M
2022: €1.54M
2023: €1.23M
2024: €1.13M
2019 → 2025
Net result
€-76k▲ 30.7%
2024 · €-110k
2019: €-35k
2020: €-29k
2021: €-11k
2022: €-31k
2023: €-8k
2024: €-110k
2019 → 2025
Working capital
€-693k▲ 7.5%
2024 · €-749k
2019: €-974k
2020: €-954k
2021: €-932k
2022: €-947k
2023: €-645k
2024: €-749k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€519k-€489k▼ 5.9%€481k▼ 1.7%€370k▼ 23.0%€2.14M▲ 477%
Operating result€-3k-€-22k▼ 635%€8k€-100k€-52k▲ 47.4%
Net result€-11k-€-31k▼ 167%€-8k▲ 72.7%€-110k▼ 1,225%€-76k▲ 30.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €52k in 2025 against €100k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.90M
Fixed assets
€2.83M▲ 153%
Current assets
€67k▲ 810%
Equity and liabilities €2.90M
Equity
€2.14M▲ 477%
Debt
€760k▲ 0.4%
The debt ratio falls from 67.1% to 26.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€80k▲
2024 · €-94k
Cash flow
€56k▲
2024 · €-105k
Solvency
73.8%▲
2024 · 32.9%
Current ratio
0.09▲
2024 · 0.01
Quick ratio
0.09▲
2024 · 0.01
Debt / equity
0.36▼
2024 · 2.04
ROE
-3.6%▲
2024 · -29.8%
ROA
-2.6%▲
2024 · -9.8%
Interest coverage
3.30▲
2024 · -8.49
Debt
€760k▲
2024 · €757k
Debt ≤ 1 year
€760k▲
2024 · €757k
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€1.13M€2.90M▲
Fixed assets21/28€1.12M€2.83M▲
Tangible fixed assets22/27€1.12M€2.83M▲
Land and buildings22€100k€2.83M▲
Other tangible fixed assets26€1.02M-
Current assets29/58€7k€67k▲
Amounts receivable within one year40/41€4k€35k▲
Trade receivables40-€30k
Other amounts receivable41€4k€5k▲
Cash at bank and in hand54/58€3k€31k▲
Deferred charges and accrued income490/1€168€183▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€2.90M▲
Equity10/15€370k€2.14M▲
Contributions10/11€20k€52k▲
Reserves13€2k€48k▲
Distributable reserves133€2k€48k▲
Profit (loss) carried forward14€348k€2.04M▲
Amounts payable17/49€757k€760k▲
Amounts payable within one year42/48€757k€760k▲
Financial debts43€50k€50k=
Credit institutions430/8€50k€50k=
Trade debts44-€1k
Suppliers440/4-€1k
Other amounts payable47/48€707k€709k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€133k▲
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€86k-
Gross operating margin9900€-6k€82k▲
Operating profit (loss)9901€-100k€-52k▲
Financial income75/76B€261€247▼
Recurring financial income75€261€247▼
Financial charges65/66B€11k€24k▲
Recurring financial charges65€11k€24k▲
Profit (loss) for the period before taxes9903€-110k€-76k▲
Profit (loss) for the period9904€-110k€-76k▲
Profit (loss) for the period to be appropriated9905€-110k€-76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€348k€2.04M▲
Profit (loss) brought forward from the previous period14P€459k€2.11M▲
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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
31-12
Financial
Equity above €2MEq €2.14M ▲477%
Equity rises from €370k to €2.14M.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-110k
Net result drops to €-110k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
12-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 12 days late
2019
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
09-09
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
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, Keerbergen · 1 establishment unit since 2005
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.
Eksterdreef 163140 KeerbergenGround area
2,487 m²
Building footprint
285 m²
Volume, LiDAR
1,491 m³
Parcel 24472F0304/00Z000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eksterdreef 16, 3140 Keerbergen
since 20052.235.448.340
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472F0304/00Z000 | Flanders | 2,487 m² | 1 · 285 m² | 9.0 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.
Similar companies · same sector, comparable size
IMMO RHODE
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STEVINVEST
BE 0428.648.839
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CAUMECO
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VILLAS
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Of 7,322 companies in sector 68110 we hold annual accounts for 5,382. 2,600 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-07-2005
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
77229Renting and leasing of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.