CREJA
ActiveCREJA has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.49M and a net result of €890k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 87% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+20
Solvency100=
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €460k at 30 days acceptable
Liquidity ample (current ratio 3.34 against 0.52 in 2024; short-term debt: 10% and cash: 2% of total assets), and 16.2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
83.8%
Return on assets
13.6%
Age of the figures
15 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
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €5.49M
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
on the day
2022
14 d early
2021
15 d early
2020
2 d early
2019
2 d early
← 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 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5.49M▲ 19.4%
2024 · €4.60M
2019: €5.16M
2020: €5.11M
2021: €4.96M
2022: €4.85M
2023: €4.73M
2024: €4.60M
2019 → 2025
Total assets
€6.55M▲ 15.6%
2024 · €5.67M
2019: €6.40M
2020: €6.28M
2021: €6.08M
2022: €5.96M
2023: €5.77M
2024: €5.67M
2019 → 2025
Net result
€890k
2024 · €-130k
2019: €20k
2020: €-52k
2021: €-145k
2022: €-109k
2023: €-126k
2024: €-130k
2019 → 2025
Working capital
€1.53M
2024 · €-275k
2019: €39k
2020: €37k
2021: €-127k
2022: €-312k
2023: €-254k
2024: €-275k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.96M-€4.85M▼ 2.2%€4.73M▼ 2.6%€4.60M▼ 2.7%€5.49M▲ 19.4%
Operating result€-139k-€-105k▲ 25.0%€-121k▼ 16.0%€-122k▼ 0.8%€977k
Net result€-145k-€-109k▲ 24.5%€-126k▼ 15.3%€-130k▼ 2.9%€890k
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: €977k after a loss of €122k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.55M
Fixed assets
€4.37M▼ 18.6%
Current assets
€2.18M▲ 628%
Equity and liabilities €6.55M
Equity
€5.49M▲ 19.4%
Debt
€1.06M▼ 0.5%
The debt ratio falls from 18.9% to 16.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.20M▲
2024 · €136k
Cash flow
€1.11M▲
2024 · €129k
Solvency
83.8%▲
2024 · 81.1%
Current ratio
3.34▲
2024 · 0.52
Quick ratio
3.34▲
2024 · 0.52
Debt / equity
0.19▼
2024 · 0.23
ROE
16.2%▲
2024 · -2.8%
ROA
13.6%▲
2024 · -2.3%
Interest coverage
207.60▲
2024 · 16.41
Debt
€1.06M▼
2024 · €1.07M
Debt ≤ 1 year
€653k▲
2024 · €575k
Debt > 1 year
€408k▼
2024 · €488k
Income taxes
€88k
Staff costs
€97k▲
2024 · €82k
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€5.67M€6.55M▲
Fixed assets21/28€5.37M€4.37M▼
Tangible fixed assets22/27€5.37M€4.37M▼
Land and buildings22€5.36M€4.36M▼
Plant, machinery and equipment23€4k€1k▼
Assets under construction and advance payments27€4k€4k▼
Current assets29/58€300k€2.18M▲
Amounts receivable within one year40/41€81k€72k▼
Trade receivables40€81k€72k▼
Current investments50/53-€1.96M
Cash at bank and in hand54/58€199k€130k▼
Deferred charges and accrued income490/1€19k€25k▲
Equity and liabilities
Total equity and liabilities10/49€5.67M€6.55M▲
Equity10/15€4.60M€5.49M▲
Contributions10/11€4.98M€4.98M=
Reserves13€178k€378k▲
Non-distributable reserves130/1€178k€178k=
Reserves not available under the articles1311€178k€178k=
Distributable reserves133-€200k
Profit (loss) carried forward14€-561k€129k▲
Amounts payable17/49€1.07M€1.06M▼
Amounts payable after more than one year17€488k€408k▼
Financial debts170/4€488k€408k▼
Amounts payable within one year42/48€575k€653k▲
Current portion of amounts payable after more than one year42€99k€79k▼
Trade debts44€17k€23k▲
Suppliers440/4€17k€23k▲
Taxes, remuneration and social security45€12k€104k▲
Taxes450/3€809€90k▲
Remuneration and social security454/9€11k€14k▲
Other amounts payable47/48€447k€447k▲
Accrued charges and deferred income492/3€7k€3k▼
Income statement
Code20242025
Non-recurring operating income76A-€1.22M
Remuneration, social security and pensions62€82k€97k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€258k€222k▼
Other operating charges640/8€71k€75k▲
Gross operating margin9900€289k€1.37M▲
Operating profit (loss)9901€-122k€977k▲
Financial income75/76B€939€7k▲
Recurring financial income75€939€7k▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€-130k€979k▲
Income taxes67/77-€88k
Profit (loss) for the period9904€-130k€890k▲
Profit (loss) for the period to be appropriated9905€-130k€890k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-561k€329k▲
Profit (loss) brought forward from the previous period14P€-432k€-561k▼
Transfer to equity691/2-€200k
To contributions691-€200k
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Back to profitnet €890k
Net result €890k after 5 loss-making years.
30-06
Financial
Liquidity times 6current ratio 3.34
Current ratio from 0.52 to 3.34.
30-06
Financial
Equity above €5MEq €5.49M ▲19.4%
Equity rises from €4.60M to €5.49M.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-145k
Net result drops to €-145k, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
12-01
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
6 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, Dilbeek · 1 establishment unit since 2007
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.
H. Moeremanslaan 471700 DilbeekGround area
968 m²
Building footprint
147 m²
Volume, LiDAR
889 m³
Parcel 23016D0174/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREJA
since 20072.169.950.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0174/00C000 | Flanders | 968 m² | 1 · 147 m² | 9.3 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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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 1,705 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2007
Fiscal year end30-06
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.