CRAFFAGA
ActiveCRAFFAGA has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2k and a net result of €6k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
46
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability41▼-31
Solvency25▲+1
Growth58=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
0.4%
Return on assets
0.9%
Age of the figures
12 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7740 sector peers (2025).
NBB · sector comparisonPosition among 7740 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
1 d early
2023
1 d early
2022
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2k
2024 · €-3k
2022: €3k
2023: €-15k
2024: €-3k
2022 → 2025
Total assets
€595k▲ 17.2%
2024 · €508k
2022: €299k
2023: €293k
2024: €508k
2022 → 2025
Net result
€6k▼ 54.8%
2024 · €12k
2022: €-1k
2023: €-18k
2024: €12k
2022 → 2025
Working capital
€-278k▼ 152%
2024 · €-110k
2022: €-116k
2023: €-130k
2024: €-110k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€3k-€-15k€-3k▲ 79.7%€2k
Operating result€1k-€-6k€17k€17k▲ 5.4%
Net result€-1k-€-18k▼ 1,388%€12k€6k▼ 54.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €595k
Fixed assets
€554k▲ 36.2%
Current assets
€42k▼ 58.9%
Equity and liabilities €595k
Equity
€2k
Debt
€593k
Debt finances 99.6% of the balance-sheet total.
Key figures and ratios
EBITDA
€28k▲
2024 · €27k
Cash flow
€16k▼
2024 · €23k
Solvency
0.4%▲
2024 · -0.6%
Current ratio
0.13▼
2024 · 0.48
Quick ratio
0.13▼
2024 · 0.48
ROE
229.8%
ROA
0.9%▼
2024 · 2.4%
Interest coverage
2.47▼
2024 · 6.38
Debt
€593k▲
2024 · €511k
Debt ≤ 1 year
€320k▲
2024 · €212k
Debt > 1 year
€273k▼
2024 · €299k
Income taxes
€871
Staff costs
€65
A ratio outside any meaningful range has been withheld (balance sheet total €595k, equity €2k).
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€508k€595k▲
Fixed assets21/28€407k€554k▲
Tangible fixed assets22/27€407k€554k▲
Land and buildings22€407k€554k▲
Current assets29/58€101k€42k▼
Amounts receivable within one year40/41€41k-
Trade receivables40€36k-
Other amounts receivable41€5k-
Current investments50/53€24k€37k▲
Cash at bank and in hand54/58€36k€4k▼
Equity and liabilities
Total equity and liabilities10/49€508k€595k▲
Equity10/15€-3k€2k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€-7k€-2k▲
Amounts payable17/49€511k€593k▲
Amounts payable after more than one year17€299k€273k▼
Financial debts170/4€299k€273k▼
Amounts payable within one year42/48€212k€320k▲
Current portion of amounts payable after more than one year42€1k€14k▲
Trade debts44-€26k
Suppliers440/4-€26k
Taxes, remuneration and social security45€18k€11k▼
Taxes450/3€13k€11k▼
Remuneration and social security454/9€4k-
Other amounts payable47/48€193k€268k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€65
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Other operating charges640/8€21k€20k▼
Gross operating margin9900€48k€48k▲
Operating profit (loss)9901€17k€17k▲
Financial income75/76B€1€210▲
Recurring financial income75€1€210▲
Financial charges65/66B€4k€11k▲
Recurring financial charges65€4k€11k▲
Profit (loss) for the period before taxes9903€12k€6k▼
Income taxes67/77-€871
Profit (loss) for the period9904€12k€6k▼
Profit (loss) for the period to be appropriated9905€12k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€-2k▲
Profit (loss) brought forward from the previous period14P€-19k€-7k▲
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-18k
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · 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, Herent · 1 establishment unit since 2020
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.
Neerijsestraat 173020 HerentGround area
2,617 m²
Building footprint
227 m²
Volume, LiDAR
1,212 m³
Parcel 24127C0140/00E000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRAFFAGA
since 20202.310.699.059
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24127C0140/00E000 | Flanders | 2,617 m² | 1 · 227 m² | 7.4 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.
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TRIROCK
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BCH Consult
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 1,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2020
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.