Active BE 0536.790.773Private limited company

Craeynest Finance

Lange Akkerstraat 5 ·9800 Deinze, Belgium· 13 yrs active

Sector: Activiteiten van holdings (64210)

Conclusion Checked

Craeynest Finance is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €22k and a net result of €70k. Equity is shrinking by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 21% of 514 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 8 annual accounts.

Key figures

Equity	€22k
Net result	€70k
Better than sector	21%
Active	13 yrs

Financial profile 4 of 5 axes measured · computed by Checked

71 / 100

Strong profile, led by profitability.

Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.

Health -

Profitability 100

Solvency 27

Growth 58

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

This is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 2 signals

Established

Founded in 2013, 13 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags0 events

No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Health barometer

Model not applicable to financial institutions

The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.

Financial overview10 NBB filings

Annual accounts filed on 30-04-2026 with the NBB · fiscal year 2025 · verkort

Operating resultNet result

Trajectory (indicative)

Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.

declining Equity: declining trend of ~21.5%/year over 8 fiscal years, indicative, assuming unchanged policy.

Solid line = filed figures · dashed = extended trend · area = indicative range.

How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison

Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)

Metric	This company	Sector median	Position in the sector
Solvency	16.6%	43.7%	better than 21% of 514 sector peers
Net result	€70k	€67k	better than 51% of 514 sector peers
Equity	€22k	€506k	better than 8% of 514 sector peers
Gross operating margin	€95k	€81k	better than 54% of 513 sector peers
Total assets	€131k	€1.61M	better than 7% of 514 sector peers

Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.

Net profit

€70k

+0.8% 18-25

Total assets

€131k

+10.5% 18-25

Equity

€22k

+1.9% 18-25

Income taxes

€23k

+0.8% 18-25

Dividends

€70k

0.0% 18-25

Debt

€109k

+12.4% 18-25

Debt ≤ 1y

€109k

+12.4% 18-25

Solvency

16.6%

-7.8% 18-25

Show 2 other metrics

ROE

323.6%

-1.1% 18-25

ROA

53.8%

-8.8% 18-25

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2025
Deposit	verkort
Revenue	n/a
EBITDA	n/a
Net profit	€70k
Cash flow	n/a
Staff costs	-
Income taxes	€23k
Dividends	€70k
Total assets	€131k
Equity	€22k
Debt	€109k
of which ≤ 1y	€109k
of which > 1y	-
Working capital	n/a
Employees (FTE)	-

Ratios (computed)

	2025
Current ratio	n/a
Quick ratio	n/a
Working capital ratio	n/a
Solvency	16.6%
Debt / equity	n/a
Long-term debt ratio	n/a
Interest coverage	n/a
Gross margin	n/a
Net margin	n/a
ROA	53.8%
ROE	323.6%
EBITDA margin	n/a
Days sales outstanding	n/a
Days payable outstanding	n/a
Inventory turnover	n/a
Days inventory (DSI)	n/a

Balance-sheet composition 2025

Equity & liabilities

Equity €22k · 16.6% Debt €109k · 83.4%

Full annual accounts (19 line items)

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2025
Balance sheet, Assets
TOTAL ASSETS	20/58	€131k
Current assets	29/58	€131k
Amounts receivable within one year	40/41	€45k
Cash & bank	54/58	€86k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€131k
Equity	10/15	€22k
Contributions / capital	10/11	€19k
Reserves	13	€3k
Amounts payable	17/49	€109k
Amounts payable within one year	42/48	€109k
Trade debts payable within one year	44	€264
Income statement
Gross operating margin	9900	€95k
Operating result	9901	€94k
Financial income	75	€134
Financial charges	65	€246
Result before taxes	9903	€94k
Income taxes	67/77	€23k
Net result for the period	9904	€70k
Result to be appropriated	9905	€70k

This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan. See plans →

Ratios computed by Checked.

Directors & mandates 2 directors

Current directors & mandates

CRAEYNEST Harm Maurits Robert
Director
State Gazette act 23334598 (17-04-2023)

Current
17-04-2023 → present
Danny Craeynest
Director
State Gazette act 23334598 (17-04-2023)

Current
17-04-2023 → present
2 events
- 17-04-2023 Appointed· Director
- 01-02-2022 Resigned· Director

Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

Legal Structure

NACE primary	Activiteiten van holdings(64210)
Legal form	Private limited company(610)
Incorporation	12-07-2013
Status	Active
Postal code	9800

Establishment units 1 location

Craeynest Finance

Lange Akkerstraat 5, 9800 DeinzeManagementsactiviteiten van holdings : tussenkomen in het dagelijks bestuur, vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal, enz.

since 20132.223.856.444

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44039A0149/00H000	Flanders	1,283 m²	1 · 199 m²	8.5 m · 2 fl.

Methodology

via registered seat: 1

1 of 1 parcels with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Updates 12 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2026

30-04-2026

NBB filing Annual accounts filed

fiscal year 2025 · verkort

2025

03-04-2025

NBB filing Annual accounts filed

fiscal year 2024 · verkort

2024

29-02-2024

NBB filing Annual accounts filed

fiscal year 2023 · verkort

2023

15-06-2023

NBB filing Annual accounts filed

fiscal year 2022 · micro

17-04-2023

State Gazette act Director changes

Sofie Van Cauwenberghe

2022

27-07-2022

NBB filing Annual accounts filed

fiscal year 2021 · verkort

10-05-2022

State Gazette act Director changes

2021

20-07-2021

NBB filing Annual accounts filed

fiscal year 2020 · verkort

2020

11-07-2020

NBB filing Annual accounts filed

fiscal year 2019 · verkort

2019

26-07-2019

NBB filing Annual accounts filed

fiscal year 2018 · verkort

2018

12-07-2018

NBB filing Annual accounts filed

fiscal year 2017 · verkort

2017

13-07-2017

NBB filing Annual accounts filed

fiscal year 2016 · verkort

Belgian State Gazette reading coverage 0 of 3 acts read

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 2 acts

All acts · 2 updated 3 years ago

2023

17-04-2023 2 directors appointed, 1 reappointed Director changes·Sofie Van Cauwenberghe

Danny Craeynest, Bestuurder
CRAEYNEST Harm Maurits Robert, Bestuurder
CRAEYNEST Harm Maurits Robert, Bestuurder

Notary: Sofie Van Cauwenberghe · Deinze

Original publication ↗

Technical details

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2022

10-05-2022 Danny Craeynest resigns as director Director changes

Danny Craeynest, Bestuurder

Original publication ↗

Technical details

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Credit advice verdict per customer and amount

Company registry (CBE) Crossroads Bank

Activities

Holdings64200Activiteiten van holdings64210Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Overige zakelijke dienstverlening, neg82990

Primary activity highlighted.

Names & trade names

Legal nameNL

Craeynest Finance

Registered office

Lange Akkerstraat 5 bus A

9800 Deinze, Belgium

Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.

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