CRALUX
ActiveCRALUX has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €2.37M and a net result of €175k. Equity is growing by ~40.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 2090 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
74
/ 100
Healthy▲ +11 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability37=
Solvency46▲+9
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.31 in 2023), but 81.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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 2024Solvency, return and age of the figures
Solvency
18.3%
Return on assets
1.3%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-05-2025, 80 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
80 d early
2023
8 d early
2022
87 d early
2021
31 d late
2020
108 d late
2019
62 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.37M▲ 182%
2023 · €842k
2018: €31k
2019: €115k
2020: €337k
2021: €621k
2022: €909k
2023: €842k
2018 → 2024
Total assets
€12.94M▼ 8.9%
2023 · €14.20M
2018: €380k
2019: €283k
2020: €1.32M
2021: €2.34M
2022: €5.43M
2023: €14.20M
2018 → 2024
Net result
€175k▲ 181%
2023 · €62k
2018: €25k
2019: €84k
2020: €222k
2021: €284k
2022: €521k
2023: €62k
2018 → 2024
Working capital
€5.87M▼ 8.2%
2023 · €6.40M
2018: €333
2019: €35k
2020: €345k
2021: €327k
2022: €2.20M
2023: €6.40M
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€337k-€621k▲ 84.3%€909k▲ 46.3%€842k▼ 7.4%€2.37M▲ 182%
Operating result€299k-€388k▲ 30.0%€655k▲ 68.8%€249k▼ 62.0%€491k▲ 97.3%
Net result€222k-€284k▲ 27.8%€521k▲ 83.2%€62k▼ 88.1%€175k▲ 181%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 97% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €12.89M
Fixed assets
€2.94M▲ 2.1%
Current assets
€9.95M▼ 11.6%
Equity and liabilities €12.94M
Equity
€2.37M▲ 182%
Debt
€10.56M▼ 20.9%
The debt ratio falls from 94.1% to 81.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€1.33M▲
2023 · €823k
Cash flow
€1.01M▲
2023 · €636k
Solvency
18.3%▲
2023 · 5.9%
Current ratio
2.44▲
2023 · 2.31
Quick ratio
2.16▲
2023 · 1.35
Debt / equity
4.45▼
2023 · 15.86
ROE
7.4%▼
2023 · 7.4%
ROA
1.3%▲
2023 · 0.4%
Interest coverage
7.81▼
2023 · 9.42
Debt
€10.56M▼
2023 · €13.36M
Debt ≤ 1 year
€4.08M▼
2023 · €4.87M
Debt > 1 year
€934k▼
2023 · €1.35M
Income taxes
€146k▲
2023 · €99k
Staff costs
€2.50M▲
2023 · €1.57M
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€14.20M€12.94M▼
Formation expenses20€58k€45k▼
Fixed assets21/28€2.88M€2.94M▲
Intangible fixed assets21€74k€58k▼
Tangible fixed assets22/27€2.70M€2.78M▲
Plant, machinery and equipment23€463k€907k▲
Furniture and vehicles24€460k€425k▼
Leasing and similar rights25€1.75M€1.35M▼
Other tangible fixed assets26€27k€100k▲
Financial fixed assets28€104k€95k▼
Current assets29/58€11.26M€9.95M▼
Amounts receivable after more than one year29€2.17M€3.56M▲
Trade receivables290€2.17M-
Other amounts receivable291-€3.56M
Stocks and contracts in progress3€4.70M€1.13M▼
Stocks30/36€2.39M-
Contracts in progress37€2.30M€1.13M▼
Amounts receivable within one year40/41€3.34M€3.75M▲
Trade receivables40€1.73M€2.84M▲
Other amounts receivable41€1.61M€913k▼
Current investments50/53€5k-
Cash at bank and in hand54/58€1k€20k▲
Deferred charges and accrued income490/1€1.05M€1.49M▲
Equity and liabilities
Total equity and liabilities10/49€14.20M€12.94M▼
Equity10/15€842k€2.37M▲
Contributions10/11€19k€1.82M▲
Reserves13€109k€109k=
Non-distributable reserves130/1€109k€109k=
Reserves not available under the articles1311€109k€109k=
Profit (loss) carried forward14€715k€446k▼
Amounts payable17/49€13.36M€10.56M▼
Amounts payable after more than one year17€1.35M€934k▼
Financial debts170/4€1.35M€934k▼
Amounts payable within one year42/48€4.87M€4.08M▼
Current portion of amounts payable after more than one year42€486k€438k▼
Financial debts43€43k€132k▲
Credit institutions430/8€43k€132k▲
Trade debts44€4.12M€2.93M▼
Suppliers440/4€4.12M€2.93M▼
Taxes, remuneration and social security45€220k€541k▲
Taxes450/3€70k€331k▲
Remuneration and social security454/9€150k€211k▲
Other amounts payable47/48-€34k
Accrued charges and deferred income492/3€7.14M€5.55M▼
Income statement
Code20232024
Non-recurring operating income76A-€48k
Remuneration, social security and pensions62€1.57M€2.50M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€574k€836k▲
Other operating charges640/8€288k€330k▲
Non-recurring operating charges66A€12k€6k▼
Gross operating margin9900€2.69M€4.16M▲
Operating profit (loss)9901€249k€491k▲
Financial charges65/66B€87k€170k▲
Recurring financial charges65€87k€170k▲
Profit (loss) for the period before taxes9903€161k€321k▲
Income taxes67/77€99k€146k▲
Profit (loss) for the period9904€62k€175k▲
Profit (loss) for the period to be appropriated9905€62k€175k▲
Appropriation of the result
Profit (loss) to be appropriated9906€844k€889k▲
Profit (loss) brought forward from the previous period14P€782k€715k▼
Profit to be distributed694/7€129k€443k▲
Return on contributions (dividend)694€129k€443k▲
Social balance
Average headcount (FTE)908722.638.3▲
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
12-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €2MEq €2.37M ▲182%
7 profitable years in a row build equity to €2.37M.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €521k ▲83.2%
Operating result €655k, net result €521k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.60
Current ratio from 1.25 to 2.60.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €621k ▲84.3%
4 profitable years in a row build equity to €621k.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
31-12
Financial
Equity above €200kEq €337k ▲194%
3 profitable years in a row build equity to €337k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Equity above €100kEq €115k ▲267%
2 profitable years in a row build equity to €115k.
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
BV MJ Management
CurrentDirector · since 01-06-2025 · Legal entity
LULO Ermir
CurrentDirector · since 27-04-2023
01-06-2025
BV MJ Management: Appointed as Director
01-06-2025
LULO Ermir: Resigned as Director
27-04-2023
LULO Ermir: Appointed as Director
Location & real-estate footprint
Registered office, Kontich · 1 establishment unit since 2017
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.
Neerveld 132550 KontichGround area
3,666 m²
Building footprint
2,088 m²
Volume, LiDAR
12,853 m³
Parcel 11602E0061/00V002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRALUX
since 20172.267.637.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0061/00V002 | Flanders | 3,666 m² | 1 · 2,088 m² | 8.8 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.
Similar companies · same sector, comparable size
Ageres
BE 0461.003.485
Malle · Eq €2.38M
K & W CONSTRUCTION
BE 0438.227.192
Wortegem-Petegem · Eq €2.38M
DAELHOXENT
BE 0432.137.869
Pelt · Eq €2.38M
AANNEMINGEN DE BRABANDER
BE 0508.831.415
Assenede · Eq €2.37M
RENTABEL
BE 0434.830.907
Lede · Eq €2.36M
Of 29,531 companies in sector 41001 we hold annual accounts for 15,863. 3,525 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-2017
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
43410Roofing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.