CREA ZONE
ActiveCREA ZONE has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €112. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 273 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▼-31
Solvency94▼-3
Growth58=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 1.93 against 1.56 in 2024; short-term debt: 31% and cash: 13.6% of total assets), and 31% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 16
Relative position
BE, all sectors
reference
Sector 16
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 2025Solvency, return and age of the figures
Solvency
69%
Return on assets
0.4%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
12 d late
2023
3 d early
2022
7 d early
2021
2 d late
2020
2 d early
2019
35 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€21k▲ 0.5%
2024 · €21k
2018: €22k
2019: €22k
2020: €8k
2021: €10k
2022: €11k
2023: €13k
2024: €21k
2018 → 2025
Total assets
€30k▲ 4.9%
2024 · €29k
2018: €30k
2019: €26k
2020: €21k
2021: €20k
2022: €15k
2023: €16k
2024: €29k
2018 → 2025
Net result
€112▼ 98.5%
2024 · €8k
2018: €-5k
2019: €-405
2020: €-13k
2021: €2k
2022: €734
2023: €2k
2024: €8k
2018 → 2025
Working capital
€9k▲ 92.9%
2024 · €4k
2018: €2k
2019: €7k
2020: €-896
2021: €5k
2022: €7k
2023: €9k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€11k▲ 7.4%€13k▲ 21.2%€21k▲ 58.7%€21k▲ 0.5%
Operating result€2k-€867▼ 65.0%€2k▲ 176%€10k▲ 302%€1k▼ 87.6%
Net result€2k-€734▼ 51.5%€2k▲ 208%€8k▲ 236%€112▼ 98.5%
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 falls in 2025; 2025 is 88% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €30k
Fixed assets
€12k▼ 25.0%
Current assets
€18k▲ 43.5%
Equity and liabilities €30k
Equity
€21k▲ 0.5%
Debt
€9k▲ 16.0%
The debt ratio rises from 28.0% to 31.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €12k
Cash flow
€4k▼
2024 · €10k
Solvency
69.0%▼
2024 · 72.0%
Current ratio
1.93▲
2024 · 1.56
Quick ratio
1.59▲
2024 · 1.28
Debt / equity
0.45▲
2024 · 0.39
ROE
0.5%▼
2024 · 37.0%
ROA
0.4%▼
2024 · 26.6%
Interest coverage
23.61▼
2024 · 71.56
Debt
€9k▲
2024 · €8k
Debt ≤ 1 year
€9k▲
2024 · €8k
Income taxes
€863▼
2024 · €2k
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€29k€30k▲
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€12k€18k▲
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€5k€11k▲
Trade receivables40€4k€5k▲
Other amounts receivable41€354€6k▲
Cash at bank and in hand54/58€5k€4k▼
Deferred charges and accrued income490/1€931-
Equity and liabilities
Total equity and liabilities10/49€29k€30k▲
Equity10/15€21k€21k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€14k€14k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€13k€13k▲
Amounts payable17/49€8k€9k▲
Amounts payable within one year42/48€8k€9k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€611€992▲
Gross operating margin9900€13k€6k▼
Operating profit (loss)9901€10k€1k▼
Financial charges65/66B€167€221▲
Recurring financial charges65€167€221▲
Profit (loss) for the period before taxes9903€9k€975▼
Income taxes67/77€2k€863▼
Profit (loss) for the period9904€8k€112▼
Profit (loss) for the period to be appropriated9905€8k€112▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€112▼
Profit (loss) brought forward from the previous period14P€-4k-
Transfer to equity691/2€4k€112▼
To other reserves6921€4k€112▼
The notes to these accounts (3 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
12-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 12 days late
2024
31-12
Financial
Highest result since 2018net €8k ▲236%
Operating result €10k, net result €8k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 3 loss-making years.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Liquidity doublescurrent ratio 2.80
Current ratio from 1.30 to 2.80; short-term debt falls from €7k to €4k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Zemst · 1 establishment unit since 2010
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.
Kampenhoutsebaan 1171982 ZemstGround area
1,040 m²
Building footprint
186 m²
Volume, LiDAR
1,222 m³
Parcel 23018C0171/00S000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kampenhoutsebaan 117, 1982 Zemst
since 20102.185.126.819
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23018C0171/00S000 | Flanders | 1,040 m² | 1 · 186 m² | 8.9 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
BL MAISON
BE 0764.697.025
Amay · Eq €21k
DE WEVER TOM
BE 0898.187.435
Westerlo · Eq €21k
BETONTRAPSPECIALIST
BE 0797.875.973
Herk-de-Stad · Eq €21k
DESAER
BE 0836.905.013
Kortenaken · Eq €21k
ES WORKS
BE 0779.468.244
Maaseik · Eq €20k
Of 1,599 companies in sector 16230 we hold annual accounts for 783. 470 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-01-2010
Fiscal year end31-12
Activities, NACEBEL
16230Manufacture of other builders' carpentry and joinery
23660Manufacture of other non-metallic mineral products
23690Manufacture of other non-metallic mineral products
43230Insulation installation
43291Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.