CRATAEGUS LTD is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €171k and a net result of €55k. Its solvency ranks better than 25% of 8018 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 29-04-2026, 93 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
93 d early
2024
44 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
€171k▲ 47.5%
2024 · €116k
2024: €116k
2024 → 2025
Net result
€55k
2024 · €-9k
2024: €-9k
2024 → 2025
Total assets
€825k▲ 0.8%
2024 · €819k
2024: €819k
2024 → 2025
Solvency
20.8%▲ 6.6pp
2024 · 14.2%
2024: 14.2%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€116k-€171k▲ 47.5%
Operating result€60k-€117k▲ 93.5%
Net result€-9k-€55k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 94% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €825k
Fixed assets
€781k▲ 1.8%
Current assets
€44k▼ 12.8%
Equity and liabilities €825k
Equity
€171k▲ 47.5%
Provisions
€0▼ 100%
Debt
€654k▼ 2.3%
The debt ratio falls from 81.8% to 79.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
20.8%▲
2024 · 14.2%
ROE
32.2%▲
2024 · -7.6%
ROA
6.7%▲
2024 · -1.1%
Debt
€654k▼
2024 · €670k
Debt ≤ 1 year
€114k▼
2024 · €237k
Debt > 1 year
€540k▲
2024 · €433k
Income taxes
€13k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€819k€825k▲
Formation expenses20€1k€464▼
Fixed assets21/28€767k€781k▲
Tangible fixed assets22/27€18k€32k▲
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€15k€30k▲
Financial fixed assets28€750k€750k=
Current assets29/58€50k€44k▼
Amounts receivable within one year40/41€24k€10k▼
Trade receivables40€24k€10k▼
Cash at bank and in hand54/58€26k€34k▲
Deferred charges and accrued income490/1€490€225▼
Equity and liabilities
Total equity and liabilities10/49€819k€825k▲
Equity10/15€116k€171k▲
Contributions10/11€125k€125k=
Outside capital11€125k€125k=
Other1109/19€125k€125k=
Reserves13-€46k
Distributable reserves133-€46k
Profit (loss) carried forward14€-9k€0▲
Provisions and deferred taxes16€33k€0▼
Provisions for liabilities and charges160/5€33k€0▼
Other liabilities and charges164/5€33k€0▼
Amounts payable17/49€670k€654k▼
Amounts payable after more than one year17€433k€540k▲
Financial debts170/4€433k€380k▼
Other amounts payable178/9-€160k
Amounts payable within one year42/48€237k€114k▼
Current portion of amounts payable after more than one year42€51k€53k▲
Trade debts44€27k€32k▲
Suppliers440/4€27k€32k▲
Taxes, remuneration and social security45€5k€9k▲
Taxes450/3€5k€9k▲
Other amounts payable47/48€154k€20k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€33k€-33k▼
Other operating charges640/8€4k€13k▲
Gross operating margin9900€102k€101k▼
Operating profit (loss)9901€60k€117k▲
Financial charges65/66B€62k€49k▼
Recurring financial charges65€62k€49k▼
Profit (loss) for the period before taxes9903€-2k€68k▲
Income taxes67/77€7k€13k▲
Profit (loss) for the period9904€-9k€55k▲
Profit (loss) for the period to be appropriated9905€-9k€55k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€46k▲
Profit (loss) brought forward from the previous period14P-€-9k
Transfer to equity691/2-€46k
To other reserves6921-€46k
The notes to these accounts (14 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €55k
Net result €55k after one loss-making year.
31-12
Financial
Equity above €150kEq €171k ▲47.5%
Equity rises from €116k to €171k.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Lessines · 1 establishment unit since 2023
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.
Place Jean Delhaye(W) 137861 LessinesGround area
3,938 m²
Building footprint
289 m²
Volume, LiDAR
1,847 m³
Parcel 55512C0175/00F000, Wallonia · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRATAEGUS LTD
since 20232.347.918.850
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55512C0175/00F000 | Wallonia | 3,938 m² | 1 · 289 m² | 9.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C682ADEA1B7176
Similar companies · same sector, comparable size
BRAVISSIMMO
BE 0781.677.963
Waterloo · Eq €172k
Quares Real Estate Investment Management Student Housing
BE 0504.896.183
Antwerpen · Eq €172k
EECKHAUT CONSULTING
BE 1005.800.720
Dentergem · Eq €171k
VGY
BE 0734.627.817
Bocholt · Eq €171k
HEIDI BRUGGEMAN
BE 0830.658.906
Eeklo · Eq €171k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,424 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded04-08-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 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.