CRECHENDO
ActiveCRECHENDO has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €833k and a net result of €88k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 61% of 454 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-45
Solvency99=
Growth78=
Stability100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €75k at 30 days acceptable
Liquidity ample (current ratio 3.31 against 3.32 in 2024), and 39.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
60.9%
Return on assets
6.5%
Age of the figures
8 mo
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
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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
6 d late
2023
20 d late
2022
32 d early
2021
20 d early
2020
8 d early
2019
328 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€88k▼ 40.1%
2024 · €148k
2018: €5k
2019: €22k
2020: €38k
2021: €6k
2022: €151k
2023: €143k
2024: €148k
2018 → 2025
Working capital
€507k▲ 13.9%
2024 · €445k
2018: €-74k
2019: €-29k
2020: €-88k
2021: €71k
2022: €203k
2023: €315k
2024: €445k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€346k-€486k▲ 40.6%€618k▲ 27.2%€755k▲ 22.2%€833k▲ 10.3%
Operating result€10k-€163k▲ 1,564%€153k▼ 6.6%€155k▲ 1.9%€94k▼ 39.5%
Net result€6k-€151k▲ 2,325%€143k▼ 5.5%€148k▲ 3.5%€88k▼ 40.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 40% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.37M
Fixed assets
€640k▼ 3.6%
Current assets
€727k▲ 14.1%
Equity and liabilities €1.37M
Equity
€833k▲ 10.3%
Provisions
€60k=
Debt
€475k▼ 2.5%
The debt ratio falls from 37.4% to 34.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€136k▼
2024 · €204k
Cash flow
€131k▼
2024 · €196k
Solvency
60.9%▲
2024 · 58.0%
Current ratio
3.31▼
2024 · 3.32
Quick ratio
3.31▼
2024 · 3.32
Debt / equity
0.57▼
2024 · 0.65
ROE
10.6%▼
2024 · 19.5%
ROA
6.5%▼
2024 · 11.3%
Interest coverage
18.40▼
2024 · 23.92
Debt
€475k▼
2024 · €487k
Debt ≤ 1 year
€220k▲
2024 · €192k
Debt > 1 year
€251k▼
2024 · €291k
Income taxes
€715▲
2024 · €468
Staff costs
€1.13M▲
2024 · €1.01M
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€1.30M€1.37M▲
Fixed assets21/28€664k€640k▼
Tangible fixed assets22/27€664k€640k▼
Land and buildings22€648k€631k▼
Plant, machinery and equipment23€16k€9k▼
Financial fixed assets28€500€500=
Current assets29/58€637k€727k▲
Amounts receivable within one year40/41€157k€161k▲
Trade receivables40€10k€9k▼
Other amounts receivable41€147k€152k▲
Cash at bank and in hand54/58€449k€556k▲
Deferred charges and accrued income490/1€31k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.30M€1.37M▲
Equity10/15€755k€833k▲
Reserves13€200k€200k=
Profit (loss) carried forward14€385k€473k▲
Investment grants15€170k€160k▼
Provisions and deferred taxes16€60k€60k=
Provisions for liabilities and charges160/5€60k€60k=
Environmental obligations163€60k€60k=
Amounts payable17/49€487k€475k▼
Amounts payable after more than one year17€291k€251k▼
Financial debts170/4€291k€251k▼
Amounts payable within one year42/48€192k€220k▲
Current portion of amounts payable after more than one year42€39k€40k▲
Trade debts44€28k€3k▼
Suppliers440/4€28k€3k▼
Taxes, remuneration and social security45€122k€170k▲
Taxes450/3€23k€24k▲
Remuneration and social security454/9€98k€145k▲
Accrued charges and deferred income492/3€4k€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€1.01M€1.13M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€42k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€303€914▲
Other operating charges640/8€8k€8k▼
Gross operating margin9900€1.24M€1.27M▲
Operating profit (loss)9901€155k€94k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€7k▼
Non-recurring financial charges66B-€265
Profit (loss) for the period before taxes9903€148k€89k▼
Income taxes67/77€468€715▲
Profit (loss) for the period9904€148k€88k▼
Profit (loss) for the period to be appropriated9905€148k€88k▼
Appropriation of the result
Profit (loss) to be appropriated9906€585k€473k▼
Profit (loss) brought forward from the previous period14P€437k€385k▼
To contributions691€200k-
Social balance
Average headcount (FTE)908718.618.0▼
The notes to these accounts (13 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 6 days late
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Equity above €500kEq €618k ▲27.2%
6 profitable years in a row build equity to €618k.
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €151k ▲2325%
Operating result €163k, net result €151k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.32
Current ratio from 0.56 to 1.32.
31-12
Financial
Equity above €200kEq €346k ▲151%
4 profitable years in a row build equity to €346k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 328 days late
2020
31-12
Financial
Equity above €100kEq €138k ▲38%
3 profitable years in a row build equity to €138k.
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-05
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
under verification, no change since 2023
This board is reconstructed from a single act (24161757). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Dos Santos Ramos Ana Cristina
CurrentDirector · since 29-06-2023
Eelen Marianne
CurrentDirector · since 29-06-2023
Marien Marleen
CurrentDirector · since 29-06-2023
Seynaeve Inge
CurrentDirector · since 29-06-2023
Van Den Bergh Caroline
CurrentDirector · since 29-06-2023
29-06-2023
Dos Santos Ramos Ana Cristina: Appointed as Director
29-06-2023
Eelen Marianne: Appointed as Director
29-06-2023
Marien Marleen: Appointed as Director
29-06-2023
Seynaeve Inge: Appointed as Director
29-06-2023
Van Den Bergh Caroline: Appointed as Director
28-06-2023
Van Den Bossche Evelien: Resigned as Director
28-06-2023
Van Sever Sigrid: Resigned as Director
28-06-2023
Vandenhoeck Erik: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 2 establishment units since 2008
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.
Ten Eekhovelei 305/3072100 AntwerpenGround area
517 m²
Building footprint
404 m²
Volume, LiDAR
3,386 m³
2 parcels, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Triangel
since 20082.169.056.788
CRECHENDO
since 20142.239.105.042
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11342A0055/00R008 | Flanders | 293 m² | 1 · 228 m² | 11.7 m · 3 fl. |
| 11342A0054/00H002 | Flanders | 223 m² | 1 · 177 m² | 11.6 m · 3 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.
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Of 1,584 companies in sector 88911 we hold annual accounts for 701. 431 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded16-01-2008
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.