CRAEGHS CONSULTING SERVICES
ActiveCRAEGHS CONSULTING SERVICES has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €-14k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 73% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
66
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-37
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.08 against 4.57 in 2024; short-term debt: 20.5% and cash: 20.3% of total assets), and 20.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-14k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
19 d late
2023
14 d early
2022
18 d late
2021
26 d early
2020
54 d early
2019
38 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▼ 26.3%
2024 · €122k
2018: €11k
2019: €33k
2020: €53k
2021: €76k
2022: €107k
2023: €124k
2024: €122k
2018 → 2025
Total assets
€114k▼ 24.4%
2024 · €150k
2018: €33k
2019: €44k
2020: €85k
2021: €97k
2022: €130k
2023: €151k
2024: €150k
2018 → 2025
Net result
€-14k▼ 1,155%
2024 · €-1k
2018: €-18k
2019: €22k
2020: €30k
2021: €23k
2022: €30k
2023: €17k
2024: €-1k
2018 → 2025
Working capital
€72k▼ 27.5%
2024 · €99k
2018: €6k
2019: €28k
2020: €47k
2021: €68k
2022: €80k
2023: €94k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€107k▲ 39.7%€124k▲ 15.7%€122k▼ 0.9%€90k▼ 26.3%
Operating result€34k-€42k▲ 24.9%€27k▼ 35.2%€3k▼ 88.1%€-14k
Net result€23k-€30k▲ 29.4%€17k▼ 44.7%€-1k€-14k▼ 1,155%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €114k
Fixed assets
€18k▼ 21.3%
Current assets
€95k▼ 25.0%
Equity and liabilities €114k
Equity
€90k▼ 26.3%
Debt
€23k▼ 16.1%
The debt ratio rises from 18.5% to 20.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-9k▼
2024 · €10k
Cash flow
€-9k▼
2024 · €6k
Solvency
79.5%▼
2024 · 81.5%
Current ratio
4.08▼
2024 · 4.57
Quick ratio
4.08▼
2024 · 4.57
Debt / equity
0.26▲
2024 · 0.23
ROE
-16.0%▼
2024 · -0.9%
ROA
-12.7%▼
2024 · -0.8%
Interest coverage
-2.58▼
2024 · 2.67
Debt
€23k▼
2024 · €28k
Debt ≤ 1 year
€23k▼
2024 · €28k
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€150k€114k▼
Fixed assets21/28€23k€18k▼
Tangible fixed assets22/27€23k€18k▼
Land and buildings22€18k€16k▼
Plant, machinery and equipment23€1k€655▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€127k€95k▼
Amounts receivable after more than one year29€38k€38k=
Other amounts receivable291€38k€38k=
Amounts receivable within one year40/41€22k€12k▼
Trade receivables40€13k€2k▼
Other amounts receivable41€8k€10k▲
Current investments50/53€22k€22k=
Cash at bank and in hand54/58€46k€23k▼
Deferred charges and accrued income490/1-€320
Equity and liabilities
Total equity and liabilities10/49€150k€114k▼
Equity10/15€122k€90k▼
Contributions10/11€12k€12k=
Reserves13€110k€79k▼
Tax-exempt reserves132€9k€9k=
Distributable reserves133€101k€71k▼
Profit (loss) carried forward14-€-1k
Amounts payable17/49€28k€23k▼
Amounts payable within one year42/48€28k€23k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Advances received on contracts in progress46€17k-
Taxes, remuneration and social security45€10k-
Taxes450/3€7k-
Remuneration and social security454/9€3k-
Other amounts payable47/48€457€20k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€13k€-7k▼
Operating profit (loss)9901€3k€-14k▼
Financial income75/76B€598€4k▲
Recurring financial income75€598€4k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€139€-14k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€-1k€-14k▼
Profit (loss) for the period to be appropriated9905€-1k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1k€-14k▼
Transfer from equity791/2€1k€31k▲
Profit to be distributed694/7-€18k
Return on contributions (dividend)694-€18k
The notes to these accounts (5 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Highest result since 2018net €30k ▲29.4%
Operating result €42k, net result €30k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲39.7%
4 profitable years in a row build equity to €107k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 3.59
Current ratio from 1.27 to 3.59; short-term debt falls from €22k to €11k.
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-06
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, Boutersem · 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.
Malendriesstraat 1093370 BoutersemGround area
1,081 m²
Building footprint
211 m²
Volume, LiDAR
834 m³
2 parcels, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CRAEGHS CONSULTING SERVICES BVBA
since 20142.232.626.234
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24049C0195/00Z000 | Flanders | 794 m² | 1 · 110 m² | 2.9 m |
| 24483E0215/00C006 | Flanders | 286 m² | 1 · 101 m² | 9.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 8,549 EUR awarded · 8,549 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 3,108 EUR | 3,108 EUR |
| 2023 | 1 | 4,662 EUR | 4,662 EUR |
| 2022 | 1 | 779 EUR | 779 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 15,585 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2014
Fiscal year end31-12
Abbreviation NL
C2S
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
58290Other software publishing
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:spambox@c2s.be