Credal Entreprendre
ActiveCredal Entreprendre has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1k and a net result of €114k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 463 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency25▲+25
Growth52=
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Ten 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 · 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
0.3%
Return on assets
26%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 463 sector peers (2025).
NBB · sector comparisonPosition among 463 sector peers
Solvency
better than 5%
← weakest
strongest →
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
4 d late
2023
12 d early
2022
28 d early
2021
16 d late
2020
11 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€48k▼ 2.9%
2024 · €49k
2018: €128k
2019: €117k
2020: €83k
2021: €142k
2022: €62k
2023: €106k
2024: €49k
2018 → 2025
EBIT margin
239.7%▲ 99.7pp
2024 · 140.0%
2018: -22.4%
2019: 0.4%
2020: -15.9%
2021: 7.6%
2022: -114.7%
2023: -102.6%
2024: 140.0%
2018 → 2025
Net result
€114k▲ 66.8%
2024 · €68k
2018: €-30k
2019: €118k
2020: €-13k
2021: €11k
2022: €-72k
2023: €-109k
2024: €68k
2018 → 2025
Working capital
€1k
2024 · €-92k
2018: €-29k
2019: €443
2020: €-12k
2021: €-1k
2022: €-65k
2023: €-176k
2024: €-92k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€142k-€62k▼ 56.2%€106k▲ 70.4%€49k▼ 53.8%€48k▼ 2.9%
Equity€407-€-71k€-180k▼ 153%€-112k▲ 37.7%€1k
Operating result€11k-€-71k€-109k▼ 52.5%€69k€114k▲ 66.2%
Net result€11k-€-72k€-109k▼ 52.6%€68k€114k▲ 66.8%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 66% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €436k
Fixed assets
€2k=
Current assets
€435k▲ 95.3%
Equity and liabilities €436k
Equity
€1k
Debt
€435k
Debt finances 99.7% of the balance-sheet total.
Key figures and ratios
Solvency
0.3%▲
2024 · -50.1%
Current ratio
1.00▲
2024 · 0.71
Quick ratio
1.00▲
2024 · 0.71
ROA
26.0%▼
2024 · 30.4%
Debt
€435k▲
2024 · €316k
Debt ≤ 1 year
€433k▲
2024 · €314k
Staff costs
€724k▲
2024 · €682k
A ratio outside any meaningful range has been withheld (balance sheet total €436k, equity €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€224k€436k▲
Fixed assets21/28€2k€2k=
Financial fixed assets28€2k€2k=
Current assets29/58€223k€435k▲
Amounts receivable within one year40/41€189k€241k▲
Trade receivables40€40k€40k▼
Other amounts receivable41€149k€201k▲
Cash at bank and in hand54/58€33k€193k▲
Deferred charges and accrued income490/1€250€327▲
Equity and liabilities
Total equity and liabilities10/49€224k€436k▲
Equity10/15€-112k€1k▲
Profit (loss) carried forward14€-112k€1k▲
Provisions and deferred taxes16€21k-
Provisions for liabilities and charges160/5€21k-
Other liabilities and charges164/5€21k-
Amounts payable17/49€316k€435k▲
Amounts payable within one year42/48€314k€433k▲
Trade debts44€161k€274k▲
Suppliers440/4€161k€274k▲
Taxes, remuneration and social security45€136k€98k▼
Taxes450/3€17k€24k▲
Remuneration and social security454/9€119k€73k▼
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Turnover70€49k€48k▼
Non-recurring operating income76A-€135k
Goods, raw materials, services and sundry goods60/61€188k€171k▼
Remuneration, social security and pensions62€682k€724k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50-
Other operating charges640/8€22k-
Gross operating margin9900€787k€817k▲
Operating profit (loss)9901€69k€114k▲
Financial charges65/66B€459€377▼
Recurring financial charges65€459€377▼
Profit (loss) for the period before taxes9903€68k€114k▲
Profit (loss) for the period9904€68k€114k▲
Profit (loss) for the period to be appropriated9905€68k€114k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-112k€1k▲
Profit (loss) brought forward from the previous period14P€-180k€-112k▲
Social balance
Average headcount (FTE)90879.510.2▲
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 4 days late
2024
31-12
Financial
Back to profitnet €68k
Net result €68k after 2 loss-making years.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-109k
Net result drops to €-109k, the lowest in the series; recovery starts the following year.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
2021
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €118k
Net result €118k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
05-07
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
24 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, Ottignies-Louvain-la-Neuve · 3 establishment units since 2012
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.
Avenue de Cîteaux 1141348 Ottignies-Louvain-la-NeuveGround area
4,770 m²
Building footprint
2,189 m²
Volume, LiDAR
27,673 m³
3 parcels, Brussels, Wallonia · tallest building 19.6 m, ±5 floors. Linked by address, not a title deed.
3 establishment units
Credal Entreprendre
since 20122.205.681.020
Credal Entreprendre - Antenne de Namur
since 20132.226.153.166
Credal Entreprendre Bruxelles
since 20252.373.577.033
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M0166/00D000 | Brussels | 2,302 m² | 1 · 1,952 m² | 19.6 m · 5 fl. |
| 25385B0003/05A000 | Wallonia | 1,690 m² | 1 · 85 m² | - |
| 92094C1119/00C000 ProtectedMonument |
Wallonia | 778 m² | 1 · 152 m² | 13.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
2 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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L'Accueil
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Frameries · Eq €2k
Of 2,203 companies in sector 88999 we hold annual accounts for 802. 37 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded14-11-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
88999Other social work without accommodation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.credal.be