CREMANIMA RESPECT

Active

Public limited companyfounded 200224 yrs activeRue de la Spinette, Boig. 32, 5140 Sombreffe, BelgiumKBO/BCE: BE 0477.855.751

Summary

CREMANIMA RESPECT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207,048 and a net result of €14,951. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 1313 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch Report Compare

CREMANIMA RESPECTActiveChecked score 88/100

Risk analysis Report Compare

Activity

Personal service activities

NACE 96302NACE 93031NACE 93032

1 site

Size

€391,299total assets 2025

Staff: 4 FTE
Equity: €207,048
Profit: €14,951

Turnover not published (abridged schema)

Financial health

88 Excellent Checked score 2025

Bankruptcy chance 12 m: 0.2%

Structure

Accounts filed 27 d late0 of 4 deeds read

Why 88- Latest accounts 27 days late; 1 of the last 3 late+ Founded in 2002+ Legal form Public limited company+ Size: total assets €391,299Show the evidence

Checked score

Score 2025

88 / 100

Excellent

Probability in this band: under 0.55%

Better than 51% of its sector peers (NACE 96, micro)

Performance against the sector, not lower risk

Every signal that weighs is under Signals.

Financial strength · tick = 2024

Strong

Solvency 78-2

equity 52.9% of total assets

Liquidity 34+4

short-term debt 47.1% · cash 6.1%

Profitability 74+19

return on assets 3.8%

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (7,593 companies)

Last 24 months 11-2024: 0.7% 12-2024: 0.7%● 0.0% vs 11-2024 01-2025: 0.6%▼ -1.7% vs 12-2024 02-2025: 0.6%● 0.0% vs 01-2025 03-2025: 0.6%▼ -1.5% vs 02-2025 04-2025: 0.6%▲ +0.5% vs 03-2025 05-2025: 0.6%▼ -0.3% vs 04-2025 06-2025: 0.6%▼ -1.9% vs 05-2025 07-2025: 0.8%▲ +20.7% vs 06-2025 08-2025: 1.1%▲ +43.3% vs 07-2025highest value 09-2025: 0.5%▼ -56.6% vs 08-2025 10-2025: 0.5%● 0.0% vs 09-2025 11-2025: 0.5%● 0.0% vs 10-2025 12-2025: 0.5%● 0.0% vs 11-2025 01-2026: 0.5%▼ -1.9% vs 12-2025 02-2026: 0.5%● 0.0% vs 01-2026 03-2026: 0.5%▼ -1.5% vs 02-2026 04-2026: 0.5%▲ +0.4% vs 03-2026 05-2026: 0.5%▲ +1.1% vs 04-2026 06-2026: 0.5%▼ -1.9% vs 05-2026 07-2026: 0.5%▲ +2.4% vs 06-2026 08-2026: 0.8%▲ +63.1% vs 07-2026 09-2026: 0.2%▼ -70.5% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value

Founded in 2002 lowers the probability for this profile
Latest accounts 27 days late; 1 of the last 3 late raises the probability
Legal form Public limited company lowers the probability
Size: total assets €391,299 lowers the probability for this profile

Credit up to €18,000 at 30 days acceptable

Liquidity tight (current ratio 1.21 against 1.06 in 2024; short-term debt: 47.1% and cash: 6.1% of total assets), and 47.1% of the assets are financed with debt.

How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 96, micro). Better than this share of them on solvency 70%, liquidity 26%, profitability 55%, growth against the median 54%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 05-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Founded in 2002

In the bankruptcy model this factor lowers the probability for this profile.

KBO

Latest accounts 27 days late; 1 of the last 3 late

In the bankruptcy model this factor raises the probability.

NBB · filings

Legal form Public limited company

In the bankruptcy model this factor lowers the probability.

KBO

Size: total assets €391,299

In the bankruptcy model this factor lowers the probability for this profile.

NBB · annual accounts

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

27 d late

2024

27 d late

2023

61 d late

2022

66 d late

2021

27 d late

2020

29 d late

2019

27 d late

← 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 38 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 48% of the sector filed late.

Checked, nothing found (2)

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. Usually files around 27 August (4 of the last 5 filed years within 35 days of that day).

Companies Code · seven months

Position in the running window

06-10-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage