CRAK
ActiveCRAK has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-26k) and a net result of €-7k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
34
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.22 against 0.4 in 2024; short-term debt: 433.7% and cash: 81.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
-333.7%
Return on assets
-96.4%
Age of the figures
9 mo
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-26k
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 27-06-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
41 d early
2023
42 d early
2022
54 d early
2021
53 d early
2020
26 d early
2019
31 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
€-26k▼ 40.6%
2024 · €-18k
2018: €-4k
2019: €10k
2020: €13k
2021: €30k
2022: €4k
2023: €-2k
2024: €-18k
2018 → 2025
Total assets
€8k▼ 67.8%
2024 · €24k
2018: €55k
2019: €71k
2020: €84k
2021: €93k
2022: €61k
2023: €47k
2024: €24k
2018 → 2025
Net result
€-7k▲ 53.3%
2024 · €-16k
2018: €28k
2019: €14k
2020: €3k
2021: €16k
2022: €-25k
2023: €-7k
2024: €-16k
2018 → 2025
Working capital
€-26k▼ 3.9%
2024 · €-25k
2018: €-4k
2019: €10k
2020: €-2k
2021: €18k
2022: €-6k
2023: €-10k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€30k-€4k▼ 85.4%€-2k€-18k▼ 667%€-26k▼ 40.6%
Operating result€26k-€-24k€-5k▲ 78.3%€-16k▼ 209%€-7k▲ 56.2%
Net result€16k-€-25k€-7k▲ 73.4%€-16k▼ 138%€-7k▲ 53.3%
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 €7k in 2025 against €16k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8k
Fixed assets
€489▼ 93.0%
Current assets
€7k▼ 57.5%
Key figures and ratios
EBITDA
€-661▲
2024 · €-8k
Cash flow
€-998▲
2024 · €-8k
Solvency
-333.7%▼
2024 · -76.5%
Current ratio
0.22▼
2024 · 0.40
Quick ratio
0.22▼
2024 · 0.40
Debt / equity
-1.30▲
2024 · -2.31
ROA
-96.4%▼
2024 · -66.5%
Interest coverage
-1.96▲
2024 · -14.26
Debt
€34k▼
2024 · €43k
Debt ≤ 1 year
€34k▼
2024 · €43k
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€24k€8k▼
Fixed assets21/28€7k€489▼
Tangible fixed assets22/27€7k€489▼
Furniture and vehicles24€1k€489▼
Leasing and similar rights25€6k-
Current assets29/58€17k€7k▼
Amounts receivable within one year40/41€1k€214▼
Other amounts receivable41€1k€214▼
Cash at bank and in hand54/58€16k€6k▼
Deferred charges and accrued income490/1-€718
Equity and liabilities
Total equity and liabilities10/49€24k€8k▼
Equity10/15€-18k€-26k▼
Contributions10/11€247€247=
Reserves13€25€25=
Non-distributable reserves130/1€25€25=
Reserves not available under the articles1311€25€25=
Profit (loss) carried forward14€-19k€-26k▼
Amounts payable17/49€43k€34k▼
Amounts payable within one year42/48€43k€34k▼
Current portion of amounts payable after more than one year42€8k-
Trade debts44€891€2k▲
Suppliers440/4€891€2k▲
Taxes, remuneration and social security45€748€142▼
Taxes450/3€748€142▼
Other amounts payable47/48€33k€31k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€6k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-7k€2k▲
Operating profit (loss)9901€-16k€-7k▲
Financial income75/76B€880-
Recurring financial income75€880-
Financial charges65/66B€577€337▼
Recurring financial charges65€577€337▼
Profit (loss) for the period before taxes9903€-16k€-7k▲
Profit (loss) for the period9904€-16k€-7k▲
Profit (loss) for the period to be appropriated9905€-16k€-7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-19k€-26k▼
Profit (loss) brought forward from the previous period14P€-3k€-19k▼
The notes to these accounts (4 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
27-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-25k ▼255%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
08-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
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, Herstal · 1 establishment unit since 1988
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.
Rue Emile Tilman 534040 HerstalGround area
568 m²
Building footprint
121 m²
Volume, LiDAR
1,117 m³
2 parcels, Wallonia · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Emile Tilman 51, 4040 Herstal
since 19882.040.036.791
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62051C0906/00K002 | Wallonia | 305 m² | 1 · 56 m² | 11.2 m · 3 fl. |
| 62051C0906/00Y002 | Wallonia | 263 m² | 1 · 66 m² | 10.6 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.
Similar companies · same sector, comparable size
DENTAL PARTNER
BE 0835.315.104
Opwijk · Eq €4k
MEDI DENTAL PROMOTION
BE 0672.396.674
Anderlecht · Eq €4k
F8 SUBLIMATION
BE 0776.531.520
Sint-Agatha-Berchem · Eq €4k
RENESSENCE
BE 0477.511.796
Tournai · Eq €5k
ACV AUDITION
BE 0782.792.671
Ellezelles · Eq €4k
Of 1,070 companies in sector 47741 we hold annual accounts for 644. 167 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-1988
Fiscal year end31-12
Activities, NACEBEL
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
52320
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.