CREAM PROJECTS
ActiveCREAM PROJECTS has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €34k. Equity is growing by ~51% per year across the filed fiscal years. Its solvency ranks better than 63% of 18237 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100
Solvency75▲+71
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 4.82 against 0.45 in 2024; short-term debt: 17.8% and cash: 68% of total assets), but 50.3% 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 47
Relative position
BE, all sectors
reference
Sector 47
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
49.7%
Return on assets
69.2%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
1 d early
2022
5 d early
2021
41 d early
2020
29 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k
2024 · €-5k
2019: €-167k
2020: €-149k
2021: €-132k
2022: €-66k
2023: €4k
2024: €-5k
2019 → 2025
Total assets
€49k▲ 118%
2024 · €22k
2019: €14k
2020: €19k
2021: €34k
2022: €43k
2023: €58k
2024: €22k
2019 → 2025
Net result
€34k▼ 51.9%
2023 · €70k
2019: €-3k
2020: €18k
2021: €18k
2022: €66k
2023: €70k
2019 → 2025
Working capital
€33k
2024 · €-15k
2019: €-148k
2020: €-149k
2021: €-132k
2022: €-66k
2023: €-9k
2024: €-15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-132k-€-66k▲ 49.9%€4k€-5k€24k
Operating result€18k-€64k▲ 265%€73k▲ 12.5%€35k
Net result€18k-€66k▲ 272%€70k▲ 7.1%€34k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result is €35k in 2025, compared with €73k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€7k▼ 32.1%
Current assets
€42k▲ 246%
Equity and liabilities €49k
Equity
€24k
Debt
€25k
Debt finances 50.3% of the balance-sheet total.
Key figures and ratios
Solvency
49.7%▲
2024 · -21.3%
Current ratio
4.82▲
2024 · 0.45
Quick ratio
4.82▲
2024 · 0.45
Debt / equity
1.01▲
2024 · -5.69
ROE
139.2%
ROA
69.2%
Debt
€25k▼
2024 · €27k
Debt ≤ 1 year
€9k▼
2024 · €27k
Debt > 1 year
€16k
Income taxes
€1k
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€22k€49k▲
Fixed assets21/28€10k€7k▼
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€10k€7k▼
Financial fixed assets28€248-
Current assets29/58€12k€42k▲
Amounts receivable within one year40/41€4k€9k▲
Trade receivables40€2k€9k▲
Other amounts receivable41€2k-
Cash at bank and in hand54/58€8k€33k▲
Equity and liabilities
Total equity and liabilities10/49€22k€49k▲
Equity10/15€-5k€24k▲
Contributions10/11€8k€8k=
Reserves13€20k€3k▼
Non-distributable reserves130/1€3k-
Reserves not available under the articles1311€3k-
Tax-exempt reserves132€17k-
Distributable reserves133-€3k
Profit (loss) carried forward14€-33k€14k▲
Amounts payable17/49€27k€25k▼
Amounts payable after more than one year17-€16k
Trade debts175-€16k
Amounts payable within one year42/48€27k€9k▼
Trade debts44€15k-
Suppliers440/4€15k-
Taxes, remuneration and social security45€246€9k▲
Taxes450/3€246€90▼
Remuneration and social security454/9-€8k
Other amounts payable47/48€12k€165▼
Income statement
Code20242025
Other operating charges640/8-€193
Gross operating margin9900-€35k
Operating profit (loss)9901-€35k
Financial charges65/66B-€19
Recurring financial charges65-€19
Profit (loss) for the period before taxes9903-€35k
Income taxes67/77-€1k
Profit (loss) for the period9904-€34k
Profit (loss) for the period to be appropriated9905-€34k
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€14k▲
Profit (loss) brought forward from the previous period14P€-33k€-20k▲
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
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity times 11current ratio 4.82
Current ratio from 0.45 to 4.82; short-term debt falls from €27k to €9k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €70k ▲7.1%
Operating result €73k, net result €70k, both a record.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
30-06
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
11-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
11-02
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 1996
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.
Frans Beirenslaan 1992150 AntwerpenGround area
175 m²
Building footprint
133 m²
Volume, LiDAR
790 m³
Parcel 11007A0047/00G011, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREAM SOFT
since 19962.077.248.367
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11007A0047/00G011 | Flanders | 175 m² | 1 · 133 m² | 7.7 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.
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INTERCOM-IT
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ANKR
BE 0759.741.414
Roeselare · Eq €24k
Ets DEBRULLE
BE 0821.065.012
Binche · Eq €24k
BOMEQ 2.0
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Keerbergen · Eq €24k
Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 1,261 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-1996
Fiscal year end30-06
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
62010Computer programming, consultancy and related activities
62100Computer programming
72220
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.