CREA FER
ActiveCREA FER has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €96k and a net result of €26k. Equity is growing by ~14.9% per year across the filed fiscal years. Its solvency ranks better than 70% of 1902 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+3
Solvency91=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.98 against 3.42 in 2024; short-term debt: 32.6% and cash: 28% of total assets), and 34.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 25
Relative position
BE, all sectors
reference
Sector 25
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
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
65.5%
Return on assets
17.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
60 d late
2023
29 d late
2022
29 d late
2021
30 d late
2020
31 d late
2019
91 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€96k▲ 36.8%
2024 · €70k
2018: €38k
2019: €40k
2020: €34k
2021: €45k
2022: €46k
2023: €54k
2024: €70k
2018 → 2025
Total assets
€146k▲ 38.5%
2024 · €106k
2018: €93k
2019: €115k
2020: €127k
2021: €98k
2022: €120k
2023: €81k
2024: €106k
2018 → 2025
Net result
€26k▲ 62.3%
2024 · €16k
2018: €20k
2019: €509
2020: €-5k
2021: €11k
2022: €796
2023: €8k
2024: €16k
2018 → 2025
Working capital
€94k▲ 33.7%
2024 · €71k
2018: €38k
2019: €35k
2020: €27k
2021: €41k
2022: €36k
2023: €50k
2024: €71k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€46k▲ 1.8%€54k▲ 18.5%€70k▲ 29.3%€96k▲ 36.8%
Operating result€13k-€8k▼ 32.4%€13k▲ 50.9%€23k▲ 80.3%€37k▲ 59.2%
Net result€11k-€796▼ 93.0%€8k▲ 965%€16k▲ 87.4%€26k▲ 62.3%
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 three years in a row; 2025 is 59% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€4k▼ 27.5%
Current assets
€142k▲ 42.5%
Equity and liabilities €146k
Equity
€96k▲ 36.8%
Debt
€50k▲ 41.8%
The debt ratio rises from 33.7% to 34.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €25k
Cash flow
€27k▲
2024 · €18k
Solvency
65.5%▼
2024 · 66.3%
Current ratio
2.98▼
2024 · 3.42
Quick ratio
2.98▼
2024 · 3.42
Debt / equity
0.53▲
2024 · 0.51
ROE
26.9%▲
2024 · 22.6%
ROA
17.6%▲
2024 · 15.0%
Interest coverage
10.05▲
2024 · 8.72
Debt
€50k▲
2024 · €36k
Debt ≤ 1 year
€48k▲
2024 · €29k
Debt > 1 year
€3k▼
2024 · €6k
Income taxes
€7k▲
2024 · €4k
Staff costs
€96k▲
2024 · €86k
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€106k€146k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€5k€3k▼
Furniture and vehicles24€5k€3k▼
Financial fixed assets28€1k€1k=
Current assets29/58€100k€142k▲
Amounts receivable within one year40/41€70k€98k▲
Trade receivables40€67k€88k▲
Other amounts receivable41€4k€10k▲
Cash at bank and in hand54/58€29k€41k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€106k€146k▲
Equity10/15€70k€96k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€50k€76k▲
Amounts payable17/49€36k€50k▲
Amounts payable after more than one year17€6k€3k▼
Financial debts170/4€6k€3k▼
Amounts payable within one year42/48€29k€48k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€7k€26k▲
Suppliers440/4€7k€26k▲
Taxes, remuneration and social security45€19k€17k▼
Taxes450/3€8k€15k▲
Remuneration and social security454/9€12k€2k▼
Other amounts payable47/48€3k€3k▼
Income statement
Code20242025
Remuneration, social security and pensions62€86k€96k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€929€600▼
Gross operating margin9900€112k€135k▲
Operating profit (loss)9901€23k€37k▲
Financial income75/76B€11€3▼
Recurring financial income75€11€3▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€20k€33k▲
Income taxes67/77€4k€7k▲
Profit (loss) for the period9904€16k€26k▲
Profit (loss) for the period to be appropriated9905€16k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€76k▲
Profit (loss) brought forward from the previous period14P€34k€50k▲
The notes to these accounts (6 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2018net €26k ▲62.3%
Net result €26k, the highest in the series.
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-5k ▼1125%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 21 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
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, Bouillon · 1 establishment unit since 2011
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 du Boulet,Corbion 116838 BouillonGround area
5,259 m²
Building footprint
271 m²
Volume, LiDAR
2,180 m³
2 parcels, Wallonia · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Boulet,Corbion 33 BIS, 6838 Bouillon
since 20112.195.354.775
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 84014B0958/00F000 | Wallonia | 2,786 m² | 1 · 212 m² | 11.6 m · 3 fl. |
| 84014B0939/00Z000 | Wallonia | 2,473 m² | 1 · 59 m² | 9.6 m · 2 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
GZ METAL
BE 0478.521.685
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LES ATELIERS REMY
BE 0753.536.580
Trooz · Eq €96k
ATELIER CHENOY
BE 0771.628.268
Marche-en-Famenne · Eq €96k
MB METAL
BE 0840.100.865
Liège · Eq €95k
CONSTRUCT'ART
BE 0846.589.769
Genappe · Eq €95k
Of 984 companies in sector 25401 we hold annual accounts for 407. 324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-01-2007
Fiscal year end31-12
Activities, NACEBEL
25401Forging of metal
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.