CRAMELI
ActiveCRAMELI has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €8k and a net result of €18k. Equity is shrinking by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 55% of 18938 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2024
61
/ 100
Healthy▼ -39 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency48▼-52
Growth58▼-20
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.71 against 3.54 in 2023), and 65.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 · 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 2024Solvency, return and age of the figures
Solvency
34.8%
Return on assets
76.9%
Age of the figures
20 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-01-2026, 172 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
172 d late
2023
71 d late
2022
77 d early
2021
88 d early
2020
102 d early
2019
43 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€8k▼ 75.7%
2023 · €34k
2018: €30k
2019: €30k
2020: €19k
2021: €24k
2022: €20k
2023: €34k
2018 → 2024
Total assets
€24k▼ 49.3%
2023 · €47k
2018: €39k
2019: €38k
2020: €23k
2021: €34k
2022: €30k
2023: €47k
2018 → 2024
Net result
€18k▲ 26.8%
2023 · €14k
2018: €9k
2019: €-287
2020: €-11k
2021: €6k
2022: €-5k
2023: €14k
2018 → 2024
Working capital
€-4k
2023 · €28k
2018: €9k
2019: €15k
2020: €6k
2021: €14k
2022: €9k
2023: €28k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€24k▲ 31.1%€20k▼ 19.2%€34k▲ 73.4%€8k▼ 75.7%
Operating result€-11k-€6k€-4k€15k€19k▲ 28.6%
Net result€-11k-€6k€-5k€14k€18k▲ 26.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 29% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €24k
Fixed assets
€14k▲ 64.9%
Current assets
€10k▼ 75.2%
Equity and liabilities €24k
Equity
€8k▼ 75.7%
Debt
€16k▲ 20.3%
The debt ratio rises from 27.4% to 65.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€23k▲
2023 · €20k
Cash flow
€23k▲
2023 · €20k
Solvency
34.8%▼
2023 · 72.6%
Current ratio
0.71▼
2023 · 3.54
Quick ratio
0.18▼
2023 · 2.88
Debt / equity
1.87▲
2023 · 0.38
ROE
220.8%▲
2023 · 42.3%
ROA
76.9%▲
2023 · 30.7%
Interest coverage
178.89▲
2023 · 95.11
Debt
€16k▲
2023 · €13k
Debt ≤ 1 year
€13k▲
2023 · €11k
Income taxes
€376
Staff costs
€9k▲
2023 · €7k
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€47k€24k▼
Fixed assets21/28€9k€14k▲
Tangible fixed assets22/27€9k€14k▲
Plant, machinery and equipment23€7k€13k▲
Furniture and vehicles24€2k€1k▼
Current assets29/58€38k€10k▼
Stocks and contracts in progress3€7k€7k▼
Stocks30/36€7k€7k▼
Amounts receivable within one year40/41€9k€1k▼
Trade receivables40€6k€55▼
Other amounts receivable41€3k€1k▼
Cash at bank and in hand54/58€20k€944▼
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€47k€24k▼
Equity10/15€34k€8k▼
Contributions10/11€19k€6k▼
Reserves13€10k€2k▼
Distributable reserves133€10k€2k▼
Profit (loss) carried forward14€6k€252▼
Amounts payable17/49€13k€16k▲
Amounts payable within one year42/48€11k€13k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€3k€533▼
Taxes450/3€820€376▼
Remuneration and social security454/9€2k€157▼
Other amounts payable47/48€1k€6k▲
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20232024
Remuneration, social security and pensions62€7k€9k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€3k€713▼
Gross operating margin9900€30k€33k▲
Operating profit (loss)9901€15k€19k▲
Financial income75/76B€28€5▼
Recurring financial income75€28€5▼
Financial charges65/66B€207€130▼
Recurring financial charges65€207€130▼
Profit (loss) for the period before taxes9903€14k€19k▲
Income taxes67/77-€376
Profit (loss) for the period9904€14k€18k▲
Profit (loss) for the period to be appropriated9905€14k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€24k▲
Profit (loss) brought forward from the previous period14P€-9k€6k▲
Transfer from equity791/2-€8k
Profit to be distributed694/7-€32k
Return on contributions (dividend)694-€32k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
19-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 172 days late
2024
31-12
Financial
Highest result since 2018net €18k ▲26.8%
Operating result €19k, net result €18k, both a record.
10-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 71 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
04-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
20-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-11k
Net result drops to €-11k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
28-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 directors, no change since 2024
Emmanuel Noncle
CurrentSole director · since 05-12-2024
GEIRNAERT Danny
CurrentDirector · since 04-08-2022
VAN BIESEN Michel
CurrentDirector · since 04-08-2022
05-12-2024
Emmanuel Noncle: Appointed as Sole director
05-12-2024
GEIRNAERT Danny: Resigned as Director
05-12-2024
VAN BIESEN Michel: Resigned as Director
04-08-2022
GEIRNAERT Danny: Appointed as Director
04-08-2022
VAN BIESEN Michel: Appointed as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 1995
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.
Zoutelaan 38300 Knokke-HeistGround area
73 m²
Building footprint
80 m²
Volume, LiDAR
1,489 m³
Parcel 31334B0358/00_000, Flanders · tallest building 25.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
APERO
since 19952.073.851.882
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31334B0358/00_000 | Flanders | 73 m² | 1 · 80 m² | 25.3 m · 7 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
PMK
BE 0474.992.667
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LA FONDA PAISA
BE 0700.458.378
Brussel · Eq €8k
W CHARLEROI
BE 1015.962.459
Charleroi · Eq €8k
LA CANTINA DEL SUD
BE 0842.753.915
Charleroi · Eq €8k
SABAH
BE 0803.936.493
Antwerpen · Eq €8k
Of 20,234 companies in sector 56111 we hold annual accounts for 11,309. 6,394 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-1995
Fiscal year end31-12
Activities, NACEBEL
55301
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.