CRELI is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €178k and a net result of €102k. Equity is growing by ~86% per year across the filed fiscal years. Its solvency ranks better than 17% of 5498 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 06-05-2026, 86 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
86 d early
2024
154 d early
2023
189 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€178k▲ 133%
2024 · €77k
2023: €47k
2024: €77k
2023 → 2025
Net result
€102k▲ 229%
2024 · €31k
2023: €10k
2024: €31k
2023 → 2025
Total assets
€1.17M▲ 7.9%
2024 · €1.09M
2023: €57k
2024: €1.09M
2023 → 2025
Solvency
15.2%▲ 8.1pp
2024 · 7.0%
2023: 81.4%
2024: 7.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€47k-€77k▲ 64.6%€178k▲ 133%
Operating result€12k-€80k▲ 544%€100k▲ 25.0%
Net result€10k-€31k▲ 214%€102k▲ 229%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 25% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.17M
Fixed assets
€1.04M=
Current assets
€137k▲ 170%
Equity and liabilities €1.17M
Equity
€178k▲ 133%
Debt
€997k▼ 1.5%
The debt ratio falls from 93.0% to 84.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
15.2%▲
2024 · 7.0%
ROE
57.0%▲
2024 · 40.4%
ROA
8.7%▲
2024 · 2.8%
Debt
€997k▼
2024 · €1.01M
Debt ≤ 1 year
€164k▲
2024 · €118k
Debt > 1 year
€826k▼
2024 · €887k
Income taxes
€14k▲
2024 · €8k
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€1.09M€1.17M▲
Fixed assets21/28€1.04M€1.04M=
Financial fixed assets28€1.04M€1.04M=
Current assets29/58€51k€137k▲
Amounts receivable within one year40/41€34k€97k▲
Trade receivables40€34k-
Other amounts receivable41-€97k
Cash at bank and in hand54/58€15k€35k▲
Deferred charges and accrued income490/1€2k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.09M€1.17M▲
Equity10/15€77k€178k▲
Contributions10/11€38k€38k=
Reserves13€39k€141k▲
Distributable reserves133€39k€141k▲
Profit (loss) carried forward14€108-
Amounts payable17/49€1.01M€997k▼
Amounts payable after more than one year17€887k€826k▼
Financial debts170/4€887k€826k▼
Amounts payable within one year42/48€118k€164k▲
Current portion of amounts payable after more than one year42€63k€65k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€89€264▲
Suppliers440/4€89€264▲
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3€14k€7k▼
Other amounts payable47/48€42k€86k▲
Accrued charges and deferred income492/3€7k€7k▼
Income statement
Code20242025
Other operating charges640/8€338€321▼
Gross operating margin9900€80k€100k▲
Operating profit (loss)9901€80k€100k▲
Financial income75/76B-€53k
Recurring financial income75-€53k
Financial charges65/66B€40k€37k▼
Recurring financial charges65€40k€37k▼
Profit (loss) for the period before taxes9903€39k€115k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€31k€102k▲
Profit (loss) for the period to be appropriated9905€31k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€102k▲
Profit (loss) brought forward from the previous period14P€48€108▲
Transfer to equity691/2€30k€102k▲
To other reserves6921€30k€102k▲
Profit to be distributed694/7€859-
Return on contributions (dividend)694€859-
The notes to these accounts (7 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
06-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €102k ▲229%
Operating result €100k, net result €102k, both a record.
31-12
Financial
Equity above €150kEq €178k ▲133%
3 profitable years in a row build equity to €178k.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Berlaar · 1 establishment unit since 2023
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.
Aarschotsebaan 822590 BerlaarGround area
642 m²
Building footprint
141 m²
Volume, LiDAR
713 m³
Parcel 12002C0766/00V000, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CRELI
since 20232.347.970.518
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12002C0766/00V000 | Flanders | 642 m² | 1 · 141 m² | 9.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 77 EUR awarded · 39 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 38 EUR | 0 EUR |
| 2023 | 1 | 39 EUR | 39 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-07-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.