CRAENENBURG
ActiveSummary
The annual accounts of CRAENENBURG for fiscal year 2025 show a net loss of 81% of the equity at the start of that year. The 2025 annual accounts show equity of €4k and a net result of €-16k. Equity is shrinking by ~14.5% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 5% of 12707 sector peers (fiscal year 2025). The company has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▲+1
Solvency26▼-4
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity tight (current ratio 1.27 against 1.33 in 2024; short-term debt: 10.2% and cash: 0% of total assets), and 99% of the assets are financed with debt.
Credit check 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 69
Relative position
BE, all sectors
reference
Sector 69
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
1%
Return on assets
-4.4%
Age of the figures
9 mo
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
18202122232425
2018 to 2025 · latest year €-16k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 12707 sector peers (2025).
NBB · sector comparisonPosition among 12707 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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
24 d late
2024
27 d late
2023
37 d late
2022
29 d late
2021
22 d late
2020
on the day
2019
67 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, micro schema
Equity
€4k▼ 81.2%
2024 · €20k
2018: €75k
2019: €75k
2020: €68k
2021: €66k
2022: €66k
2023: €42k
2024: €20k
2018 → 2025
Total assets
€368k▼ 3.3%
2024 · €380k
2018: €75k
2019: €75k
2020: €68k
2021: €68k
2022: €361k
2023: €378k
2024: €380k
2018 → 2025
Net result
€-16k▲ 25.7%
2024 · €-22k
2018: €-6k
2020: €-7k
2021: €-1k
2022: €-94
2023: €-25k
2024: €-22k
2018 → 2025
Working capital
€10k▼ 29.0%
2024 · €14k
2019: €54k
2020: €49k
2021: €49k
2022: €27k
2023: €34k
2024: €14k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€66k▼ 0.1%€42k▼ 37.3%€20k▼ 52.2%€4k▼ 81.2%
Operating result€-2k-€-1k▲ 48.4%€-26k▼ 2,042%€-23k▲ 10.2%€-17k▲ 25.6%
Net result€-1k-€-94▲ 92.3%€-25k▼ 26,355%€-22k▲ 12.2%€-16k▲ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €23k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€320k ▼ 0.9%
Current assets
€48k ▼ 16.8%
Equity and liabilities €368k
Equity
€4k ▼ 81.2%
Debt
€364k ▲ 1.1%
Debt's share of the balance-sheet total rises from 94.8% to 99.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-8k▲
2024 · €-17k
Cash flow
€-7k▲
2024 · €-16k
Current ratio
1.27▼
2024 · 1.33
Debt to equity
97.64▲
2024 · 18.13
ROE
-432.9%▼
2024 · -109.4%
ROA
-4.4%▲
2024 · -5.7%
Interest coverage
-119.72▲
2024 · -627.00
Debt ≤ 1 year
€37k▼
2024 · €43k
Debt > 1 year
€324k▲
2024 · €313k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€380k€368k▼
Fixed assets21/28€323k€320k▼
Tangible fixed assets22/27€323k€320k▼
Land and buildings22€321k€317k▼
Plant, machinery and equipment23€2k€3k▲
Current assets29/58€57k€48k▼
Amounts receivable after more than one year29€4k€10k▲
Other amounts receivable291€4k€10k▲
Amounts receivable within one year40/41€13k€1k▼
Trade receivables40€1k€1k▼
Other amounts receivable41€12k-
Current investments50/53€34k€34k=
Cash at bank and in hand54/58€4k€25▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€380k€368k▼
Equity10/15€20k€4k▼
Contributions10/11€52k€52k=
Reserves13€11k€566▼
Non-distributable reserves130/1€566€566=
Reserves not available under the articles1311€566€566=
Distributable reserves133€11k€0▼
Profit (loss) carried forward14€-44k€-49k▼
Amounts payable17/49€360k€364k▲
Amounts payable after more than one year17€313k€324k▲
Financial debts170/4€313k€324k▲
Amounts payable within one year42/48€43k€37k▼
Trade debts44€529€395▼
Suppliers440/4€529€395▼
Other amounts payable47/48€42k€37k▼
Accrued charges and deferred income492/3€5k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€263-
Other operating charges640/8€606€861▲
Gross operating margin9900€-16k€-7k▲
Operating profit (loss)9901€-23k€-17k▲
Financial income75/76B€1k€1k▼
Recurring financial income75€1k€1k▼
Financial charges65/66B€27€68▲
Recurring financial charges65€27€68▲
Profit (loss) for the period before taxes9903€-22k€-16k▲
Profit (loss) for the period9904€-22k€-16k▲
Profit (loss) for the period to be appropriated9905€-22k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-44k€-60k▼
Profit (loss) brought forward from the previous period14P€-22k€-44k▼
Transfer from equity791/2-€11k
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
06-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 37 days late
2023
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 67 days late
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
27-07
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
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, Scherpenheuvel-Zichem · 1 establishment unit since 1987
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.
Westelsebaan 24A3271 Scherpenheuvel-ZichemGround area
1,919 m²
Building footprint
154 m²
Volume, LiDAR
958 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRAENENBURG
since 19872.031.282.047
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24005C0635/00L000 | Flanders | 1,065 m² | 1 · 65 m² | 8.5 m · 2 fl. |
| 24005C0635/00M000 | Flanders | 855 m² | 1 · 89 m² | 8.6 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.
Similar companies · same sector, comparable size
MSA
BE 0898.673.029
Dalhem · Eq €3,819
COMITES
BE 0449.644.488
Antwerpen · Eq €3,531
FIDUCIAIRE BASSEVELDE
BE 0878.166.932
Gent · Eq €3,506
FINNIS
BE 0795.122.955
Lille · Eq €4,019
3SDG
BE 0755.400.366
Gent · Eq €3,436
Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 266 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
Founded28-10-1987
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:onsia@skynet.be