CRAIME
ActiveSummary
CRAIME has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €414,576 and a net result of €50,860. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 1576 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▼-1
Solvency62▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 1.96 against 1.1 in 2024; short-term debt: 7.3% and cash: 11.8% of total assets), but 62.7% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Manufacture of food products (NACE 10)
about 60% more bankruptcies
← 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
37.3%
Return on assets
4.6%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
5 d early
2023
20 d early
2022
8 d early
2021
25 d early
2020
12 d early
2019
29 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
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. Usually files around 12 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€414,576▲ 14.0%
2024 · €363,716
Total assets
€1.1m▲ 1.8%
2024 · €1.1m
Net result
€50,860▼ 13.1%
2024 · €58,547
Working capital
€77,993▲ 697%
2024 · €9,783
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€63,748▲ 296%€105,969▲ 66.2%€110,436▲ 4.2%€98,799▼ 10.5%€89,357▼ 9.6%
Net result€58,337above the sector's middle half▲ 398%€86,625above the sector's middle half▲ 48.5%€76,553above the sector's middle half▼ 11.6%€58,547above the sector's middle half▼ 23.5%€50,860above the sector's middle half▼ 13.1%
Equity€141,991above the sector's middle half▲ 250%€228,616above the sector's middle half▲ 61.0%€305,169above the sector's middle half▲ 33.5%€363,716above the sector's middle half▲ 19.2%€414,576above the sector's middle half▲ 14.0%
Total assets€702,938above the sector's middle half▲ 55.8%€713,702above the sector's middle half▲ 1.5%€1.1mabove the sector's middle half▲ 47.3%€1.1mabove the sector's middle half▲ 3.9%€1.1mabove the sector's middle half▲ 1.8%
Debt€560,947▲ 36.7%€485,086▼ 13.5%€746,382▲ 53.9%€728,751▼ 2.4%€697,324▼ 4.3%
Working capital-€12,568within the sector's middle half€63,340above the sector's middle half-€8,152within the sector's middle half€9,783within the sector's middle half€77,993above the sector's middle half▲ 697%
Solvency20.2%within the sector's middle half▲ 11.2pp32.0%within the sector's middle half▲ 11.8pp29.0%within the sector's middle half▼ 3.0pp33.3%within the sector's middle half▲ 4.3pp37.3%within the sector's middle half▲ 4.0pp
Current ratio0.86within the sector's middle half▼ 0.342.29above the sector's middle half▲ 1.430.87within the sector's middle half▼ 1.421.10within the sector's middle half▲ 0.231.96within the sector's middle half▲ 0.86
Return on assets (ROA)8.3%within the sector's middle half▲ 5.7pp12.1%above the sector's middle half▲ 3.8pp7.3%within the sector's middle half▼ 4.9pp5.4%within the sector's middle half▼ 1.9pp4.6%within the sector's middle half▼ 0.8pp
above
within
below
the middle half (P25 to P75) of NACE 10, Manufacture of food products, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.1m
Fixed assets
€952,551 ▼ 3.5%
Current assets
€159,348 ▲ 50.8%
Equity and liabilities €1.1m
Equity
€414,576 ▲ 14.0%
Debt
€697,324 ▼ 4.3%
Debt's share of the balance-sheet total falls from 66.7% to 62.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€140,559▼
2024 · €148,545
Cash flow
€102,062▼
2024 · €108,293
Debt to equity
1.68▼
2024 · 2.00
ROE
12.3%▼
2024 · 16.1%
Interest coverage
6.53▼
2024 · 6.77
Debt ≤ 1 year
€81,355▼
2024 · €95,857
Debt > 1 year
€584,671▼
2024 · €618,169
Income taxes
€17,067▼
2024 · €18,384
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,640 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 95% are still going.
- Small
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
0.5%
went bankrupt
3.6%
stopped otherwise
95%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 1.4% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 1,640 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €22,081 | €33,444 | €45,735 | €49,746 | €51,202 | ▲ 2.9% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | €5,145 | €4,969 | ▼ 3.4% |
| Other operating charges640/8 | €2,365 | €1,952 | €4,281 | €5,374 | €5,198 | ▼ 3.3% |
| Gross operating margin9900 | €88,193 | €141,365 | €160,452 | €159,064 | €150,726 | ▼ 5.2% |
| Operating profit (loss)9901 | €63,748 | €105,969 | €110,436 | €98,799 | €89,357 | ▼ 9.6% |
| Financial income75/76B | €0 | - | - | €85 | €97 | ▲ 14.9% |
| Recurring financial income75 | €0 | - | - | €85 | €97 | ▲ 14.9% |
| Financial charges65/66B | €5,411 | €7,226 | €15,575 | €21,953 | €21,527 | ▼ 1.9% |
| Recurring financial charges65 | €5,411 | €7,226 | €15,575 | €21,953 | €21,527 | ▼ 1.9% |
| Profit (loss) for the period before taxes9903 | €58,337 | €98,743 | €94,862 | €76,931 | €67,927 | ▼ 11.7% |
| Income taxes67/77 | - | €12,118 | €18,309 | €18,384 | €17,067 | ▼ 7.2% |
| Profit (loss) for the period9904 | €58,337 | €86,625 | €76,553 | €58,547 | €50,860 | ▼ 13.1% |
| Profit (loss) for the period to be appropriated9905 | €58,337 | €86,625 | €76,553 | €58,547 | €50,860 | ▼ 13.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €702,938 | €713,702 | €1.1m | €1.1m | €1.1m | ▲ 1.8% |
| Fixed assets21/28 | €623,306 | €601,371 | €996,486 | €986,827 | €952,551 | ▼ 3.5% |
| Tangible fixed assets22/27 | €623,306 | €601,371 | €996,486 | €986,827 | €952,551 | ▼ 3.5% |
| Land and buildings22 | €312,556 | €304,836 | €720,985 | €738,337 | €711,251 | ▼ 3.7% |
| Plant, machinery and equipment23 | €101,186 | €97,470 | €86,935 | €70,422 | €73,732 | ▲ 4.7% |
| Other tangible fixed assets26 | €209,564 | €199,065 | €188,566 | €178,068 | €167,569 | ▼ 5.9% |
| Financial fixed assets28 | €0 | - | - | - | - | - |
| Current assets29/58 | €79,633 | €112,331 | €55,065 | €105,639 | €159,348 | ▲ 50.8% |
| Amounts receivable within one year40/41 | €54,859 | €13,231 | €24,938 | €14,962 | €27,811 | ▲ 85.9% |
| Trade receivables40 | €12,429 | €11,349 | €5,803 | €8,325 | €17,213 | ▲ 107% |
| Other amounts receivable41 | €42,430 | €1,882 | €19,135 | €6,637 | €10,598 | ▲ 59.7% |
| Cash at bank and in hand54/58 | €24,774 | €99,100 | €30,127 | €90,677 | €131,537 | ▲ 45.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €702,938 | €713,702 | €1.1m | €1.1m | €1.1m | ▲ 1.8% |
| Equity10/15 | €141,991 | €228,616 | €305,169 | €363,716 | €414,576 | ▲ 14.0% |
| Contributions10/11 | €61,641 | €61,641 | €61,641 | €61,641 | €61,641 | = |
| Reserves13 | €80,351 | €166,976 | €243,528 | €302,075 | €352,935 | ▲ 16.8% |
| Distributable reserves133 | €80,351 | €166,976 | €243,528 | €302,075 | €352,935 | ▲ 16.8% |
| Profit (loss) carried forward14 | €0 | - | - | - | - | - |
| Amounts payable17/49 | €560,947 | €485,086 | €746,382 | €728,751 | €697,324 | ▼ 4.3% |
| Amounts payable after more than one year17 | €468,747 | €436,095 | €677,512 | €618,169 | €584,671 | ▼ 5.4% |
| Financial debts170/4 | €468,747 | €436,095 | €677,512 | €618,169 | €584,671 | ▼ 5.4% |
| Amounts payable within one year42/48 | €92,200 | €48,991 | €63,217 | €95,857 | €81,355 | ▼ 15.1% |
| Current portion of amounts payable after more than one year42 | €34,577 | €34,538 | €45,759 | €62,028 | €56,252 | ▼ 9.3% |
| Trade debts44 | €4,661 | €1,930 | €359 | €3,475 | €3,756 | ▲ 8.1% |
| Suppliers440/4 | €4,661 | €1,930 | €359 | €3,475 | €3,756 | ▲ 8.1% |
| Taxes, remuneration and social security45 | €0 | €5,361 | €8,309 | €15,164 | €7,412 | ▼ 51.1% |
| Taxes450/3 | €0 | €5,361 | €8,309 | €15,164 | €7,412 | ▼ 51.1% |
| Other amounts payable47/48 | €52,962 | €7,162 | €8,790 | €15,190 | €13,935 | ▼ 8.3% |
| Accrued charges and deferred income492/3 | - | - | €5,653 | €14,725 | €31,298 | ▲ 113% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €58,337 | €86,625 | €76,553 | €58,547 | €50,860 | ▼ 13.1% |
| + Depreciation and write-downs630 | €22,081 | €33,444 | €45,735 | €49,746 | €51,202 | ▲ 2.9% |
| Operating cash flow (approximation) | €80,417 | €120,069 | €122,287 | €108,293 | €102,062 | ▼ 5.8% |
| Investment in fixed assets (approximation) | - | -€11,509 | -€440,850 | -€40,087 | -€16,926 | ▲ 57.8% |
| Change in cash | - | €74,326 | -€68,973 | €60,551 | €40,859 | ▼ 32.5% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €86,625 ▲48.5%
Net result €86,625, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 2.29
Current ratio from 0.86 to 2.29; short-term debt falls from €92,200 to €48,991.
31-12
Financial
Equity above €200,000Eq €228,616 ▲61%
4 profitable years in a row build equity to €228,616.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100,000Eq €141,991 ▲250%
3 profitable years in a row build equity to €141,991.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
6 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, Zaventem · 1 establishment unit since 2018
Ground area
1,159 m²
Building footprint
219 m²
Volume, LiDAR
1,695 m³
2 parcels, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Cr'aime de la crème
since 20182.283.555.984
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23082B0166/00V000 | Flanders | 906 m² | 1 · 154 m² | 9.1 m · 3 fl. |
| 23772C0374/00C005 | Flanders | 253 m² | 1 · 65 m² | 11.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
DEVRIENDT
BE 0836.628.364
Oudenburg · Eq €415,069
BAKKER JAN
BE 0446.513.962
Retie · Eq €415,143
HOORNAERT BROOD EN BANKET
BE 0725.832.687
Kortrijk · Eq €413,916
BieseGek
BE 0430.730.577
Bilzen-Hoeselt · Eq €412,444
PATISSERIE JAN ANDRIES
BE 0893.706.827
Ninove · Eq €411,556
Of 4,230 companies in sector 10712 we hold annual accounts for 1,875. 1,298 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-11-2018
Fiscal year end31-12
Activities, NACEBEL 2025
10712Artisanal bread and fresh pastry making
10520Manufacture of food products
10820Manufacture of cocoa, chocolate and sugar confectionery
47110Non-specialised retail sale with food, beverages or tobacco predominating
85592Vocational training
E-invoicing
Reachable via Peppol
Peppol ID
0208:0713531208
Registered
18-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.