CRELEM SHOPS

Active

Private limited companyfounded 2018active for 8 yearsKempenstraat 13, 3650 Dilsen-Stokkem, Belgium43 active companies are registered at this addressKBO/BCE: BE 0704.655.114

Summary

The computed 12-month bankruptcy probability of CRELEM SHOPS is 6.2% (elevated). The 2025 annual accounts show negative equity (-€224,533) and a net result of -€160,847. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 788 sector peers (NACE 10, financial year 2025). The company has been active since 2018 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

CRELEM SHOPSActiveChecked score 34/100

Risk analysis Report Compare

Activity

Artisanal bread and fresh pastry making

NACE 10712Non-specialised retail sale with food, beverages or tobacco predominating NACE 47110

1 site

Size

€1.2mturnover 2025

Staff: 3.2 FTE
Equity: -€224,533
Loss: -€160,847

Financial health

34 Weak Checked score 2025

Bankruptcy probabilitywithin 12 months: 6.2%

Structure

Largest shareholder: CRESCENOS · 50%

CRESCENOSDirector · permanent representative LEMMENS Susanna
ORKARIDirector · permanent representative CRETSKENS Raymond

2025 accounts 3 days early2 of 3 deeds summarised

Why 34raises riskNegative equity -€224,533Loss of €160,847 (financial year 2025)Sector: Manufacture of food products (NACE 10)Liquidity: current ratio 0.54Show the evidence

Checked score

Score 2025

34 / 100

Weak

Probability in this band: 4.2% to 15.0%

Financially better than 14% of its sector peers (NACE 10, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 0-15

equity -42.8% of total assets

Liquidity 0-37

short-term debt 113.8%

Profitability 24-60

return on assets -30.6%

Bankruptcy probability, 12 months

6.2% Elevated

0%0.5%1.5%4%10%≥ 25%

About 6 in 100 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.1% (3,080 companies, NACE 10, micro)

Last 24 months 11-2024: 5.5% 12-2024: 5.2%▼ -0.3 percentage points vs 11-2024 01-2025: 5.2%● unchanged vs 12-2024 02-2025: 5.1%▼ -0.1 percentage points vs 01-2025 03-2025: 5.0%▼ -0.1 percentage points vs 02-2025 04-2025: 5.5%▲ +0.5 percentage points vs 03-2025 05-2025: 6.4%▲ +0.9 percentage points vs 04-2025 06-2025: 4.6%▼ -1.8 percentage points vs 05-2025 07-2025: 4.6%● unchanged vs 06-2025 08-2025: 4.6%● unchanged vs 07-2025 09-2025: 4.6%● unchanged vs 08-2025 10-2025: 4.6%● unchanged vs 09-2025 11-2025: 4.6%● unchanged vs 10-2025 12-2025: 4.6%● unchanged vs 11-2025 01-2026: 4.7%▲ +0.1 percentage points vs 12-2025 02-2026: 4.6%▼ -0.1 percentage points vs 01-2026 03-2026: 4.5%▼ -0.1 percentage points vs 02-2026lowest value 04-2026: 4.8%▲ +0.3 percentage points vs 03-2026 05-2026: 5.4%▲ +0.6 percentage points vs 04-2026 06-2026: 6.4%▲ +1.0 percentage point vs 05-2026highest value 07-2026: 6.4%● unchanged vs 06-2026highest value 08-2026: 6.4%● unchanged vs 07-2026highest value 09-2026: 6.4%● unchanged vs 08-2026highest value 10-2026: 6.2%▼ -0.2 percentage points vs 09-2026

No credit on open account

Liquidity insufficient (current ratio 0.54, compared with 0.65 in 2024, below 1; short-term debt: 113.8% of total assets), and equity is negative.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100	Excellent	under 0.55%
60-74	Healthy	0.55% to 1.5%
45-59	Fair	1.5% to 4.2%
25-44	Weak	4.2% to 15.0%
0-24	Critical	over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 10, micro): better than 6% on solvency, 0% on liquidity, 20% on profitability and 31% on growth.

The bankruptcy probability was computed on 28-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

raises riskneutral

Negative equity -€224,533

NBB · annual accounts

Loss of €160,847 (financial year 2025)

NBB · annual accounts

Sector: Manufacture of food products (NACE 10)

KBO

Liquidity: current ratio 0.54

NBB · annual accounts

Negative equity

The 2025 annual accounts show negative equity and a net loss.

NBB · annual accounts 2025

Equity per financial year

19202122232425

2019 to 2025 · latest year -€224,533

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

3 days early

2024

5 days early

2023

4 days early

2022

9 days early

2021

9 days early

2020

7 days early

2019

6 days early

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 6 days before the deadline; the sector median (NACE 10) for financial year 2024 is 4 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 25 April (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

30-09-2026 year end29-10-2026 today30-04-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

27-04-2026 Annual accounts filedfinancial year 2025 · full…
25-04-2025 Annual accounts filedfinancial year 2024 · full…
30-09-2024 Back to profitnet €38,506

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€224,533 View
Caution: Equity fell in 2025from -€63,686 to -€224,533 ▼ 253% View
Caution: Among the weakest 5% on solvencysector median 39.7% · 788 companies -42.8% View
Positive: 6 years of growth in a rowturnover 2025: €1.2m 6 years View
Positive: Always filed on timeaccounts within the deadline every year 7 years View

By topic

Financials

Financial year: 2025
Turnover: €1.2m
Loss: -€160,847
Solvency: -42.8%

Turnover▲ 5.6%

Net result

20192025

Go to Financials

Board & ownership

Board: 2 members
Largest shareholder: CRESCENOS · 50%

CRESCENOSDirector
ORKARIDirector

Go to Board & ownership

Network & group

Connected companies: 35

Go to Network & group

Timeline

Events: 12
Since: 2020
Next accounts: by 30-04-2027

26-06-2024Permanent representatives: Susanna Lemmens, Souleika Cretskens and…
26-04-2024Annual accounts filed
28-12-2023Resignations: ORKARI (manager) and CRESCENOS (manager)

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company
Activity: Artisanal bread and fresh pastry makingNACE 10712
Founded: 17-09-2018
Year ends: 30-09
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 34

Who signs: Each director alone
Annual meeting: Last Thursday of March at 12:00

Go to Articles of association

Key facts about CRELEM SHOPS

What is the company number of CRELEM SHOPS?: 0704.655.114. In Belgium the VAT number is the company number with BE in front: BE 0704.655.114.
Where is CRELEM SHOPS based?: The registered office is at Kempenstraat 13, 3650 Dilsen-Stokkem.Company details
What does CRELEM SHOPS do?: According to the KBO register, the main activity is artisanal bread and fresh pastry making (NACE 10712).
What is the legal form of CRELEM SHOPS?: Private limited company (BV).
When was CRELEM SHOPS founded?: On 17-09-2018.
Is CRELEM SHOPS still active?: Yes, CRELEM SHOPS is an active enterprise in the KBO register.
How many employees does CRELEM SHOPS have?: On average 3.2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of CRELEM SHOPS?: €1.2m in financial year 2025, according to the filed annual accounts.
Is CRELEM SHOPS profitable?: In financial year 2025, CRELEM SHOPS made a loss of €160,847.
Where can I find the annual accounts of CRELEM SHOPS?: CRELEM SHOPS filed 7 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CRELEM SHOPS due?: By 30-04-2027, for financial year 2026.Timeline