CREARMONY
ActiveCREARMONY has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €34k and a net result of €4k. Equity is shrinking by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 87% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▲+67
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 9.39; short-term debt: 10.6% and cash: 65.3% of total assets), and 10.6% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
89.4%
Return on assets
11.6%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
34 d late
2023
30 d late
2022
3 d early
2021
60 d late
2020
44 d early
2019
80 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€34k▲ 15.0%
2024 · €30k
2018: €47k
2019: €58k
2020: €2k
2021: €64k
2022: €68k
2023: €38k
2024: €30k
2018 → 2025
Total assets
€38k▲ 28.7%
2024 · €30k
2018: €49k
2019: €63k
2020: €11k
2021: €71k
2022: €72k
2023: €40k
2024: €30k
2018 → 2025
Net result
€4k
2024 · €-8k
2018: €8k
2019: €13k
2020: €-55k
2021: €61k
2022: €4k
2023: €-30k
2024: €-8k
2018 → 2025
Working capital
€34k▼ 9.2%
2023 · €38k
2018: €47k
2019: €58k
2020: €2k
2021: €64k
2022: €68k
2023: €38k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€68k▲ 5.8%€38k▼ 44.4%€30k▼ 21.0%€34k▲ 15.0%
Operating result€64k-€4k▼ 93.8%€-30k€-8k▲ 74.8%€5k
Net result€61k-€4k▼ 93.9%€-30k€-8k▲ 73.7%€4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €5k after a loss of €8k in 2024.
Balance-sheet composition
Equity and liabilities €38k
Equity
€34k
Debt
€4k
Debt finances 10.6% of the balance-sheet total.
Key figures and ratios
Solvency
89.4%▼
2024 · 100.0%
Current ratio
9.39
Quick ratio
9.39
Debt / equity
0.12
ROE
13.0%▲
2024 · -26.6%
ROA
11.6%▲
2024 · -26.6%
Debt
€4k
Debt ≤ 1 year
€4k
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€30k€38k▲
Current assets29/58€30k€38k▲
Stocks and contracts in progress3€5k-
Stocks30/36€5k-
Amounts receivable within one year40/41€2k€13k▲
Trade receivables40€540€12k▲
Other amounts receivable41€1k€867▼
Cash at bank and in hand54/58€23k€25k▲
Equity and liabilities
Total equity and liabilities10/49€30k€38k▲
Equity10/15€30k€34k▲
Contributions10/11€25k€25k=
Reserves13€30k€30k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€29k€29k=
Profit (loss) carried forward14€-26k€-21k▲
Amounts payable17/49-€4k
Amounts payable within one year42/48-€4k
Trade debts44-€4k
Suppliers440/4-€4k
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€2k-
Other operating charges640/8€467€2k▲
Gross operating margin9900€-5k€6k▲
Operating profit (loss)9901€-8k€5k▲
Financial charges65/66B€318€188▼
Recurring financial charges65€318€188▼
Profit (loss) for the period before taxes9903€-8k€4k▲
Profit (loss) for the period9904€-8k€4k▲
Profit (loss) for the period to be appropriated9905€-8k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-21k▲
Profit (loss) brought forward from the previous period14P€-18k€-26k▼
The notes to these accounts (1 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4k
Net result €4k after 2 loss-making years.
03-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 34 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 60 days late
2021
31-12
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 9.68
Current ratio from 1.30 to 9.68; short-term debt falls from €8k to €7k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-55k ▼534%
Net result drops to €-55k, the lowest in the series; recovery starts the following year.
12-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-06-2024
Resigned as Director
Location & real-estate footprint
Registered office, Lincent · 1 establishment unit since 2020
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 des Ecoles 304287 LincentGround area
1,787 m²
Building footprint
494 m²
Volume, LiDAR
3,847 m³
2 parcels, Brussels, Wallonia · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WINK WINE
since 20202.302.498.601
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 64047B1390/00A000 | Wallonia | 1,637 m² | 1 · 494 m² | 10.1 m · 3 fl. |
| 21362B0273/00B007 | Brussels | 151 m² | - | - |
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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 35,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded05-06-1989
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46341Wholesale of wines and spirits
47120Other non-specialised retail sale
47251Retail sale of wines and spirits
47910Retail trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 36 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.