CREMANIMA RESPECT
ActiveCREMANIMA RESPECT has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €207k and a net result of €15k. Equity is growing by ~8.3% per year across the filed fiscal years. Its solvency ranks better than 67% of 1041 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+19
Solvency78▼-2
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k 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.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
52.9%
Return on assets
3.8%
Age of the figures
9 mo
neutral · 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 filingsDeviation 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 →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€207k▲ 7.8%
2024 · €192k
2018: €99k
2019: €80k
2020: €46k
2021: €184k
2022: €190k
2023: €195k
2024: €192k
2018 → 2025
Total assets
€391k▲ 11.3%
2024 · €351k
2018: €201k
2019: €191k
2020: €156k
2021: €351k
2022: €397k
2023: €328k
2024: €351k
2018 → 2025
Net result
€15k
2024 · €-3k
2018: €1k
2019: €-19k
2020: €-35k
2021: €-41k
2022: €5k
2023: €5k
2024: €-3k
2018 → 2025
Working capital
€38k▲ 323%
2024 · €9k
2018: €32k
2019: €24k
2020: €-2k
2021: €-31k
2022: €-15k
2023: €5k
2024: €9k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€184k-€190k▲ 2.9%€195k▲ 2.8%€192k▼ 1.5%€207k▲ 7.8%
Operating result€-39k-€20k€11k▼ 46.9%€19k▲ 77.9%€104k▲ 449%
Net result€-41k-€5k€5k▼ 0.5%€-3k€15k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 449% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €391k
Fixed assets
€169k▼ 7.8%
Current assets
€222k▲ 32.3%
Equity and liabilities €391k
Equity
€207k▲ 7.8%
Debt
€184k▲ 15.6%
The debt ratio rises from 45.3% to 47.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€120k▲
2024 · €34k
Cash flow
€31k▲
2024 · €12k
Solvency
52.9%▼
2024 · 54.7%
Current ratio
1.21▲
2024 · 1.06
Quick ratio
1.17▲
2024 · 0.94
Debt / equity
0.89▲
2024 · 0.83
ROE
7.2%▲
2024 · -1.6%
ROA
3.8%▲
2024 · -0.9%
Interest coverage
12.35▲
2024 · 4.53
Debt
€184k▲
2024 · €159k
Debt ≤ 1 year
€184k▲
2024 · €159k
Income taxes
€80k▲
2024 · €15k
Staff costs
€274k▲
2024 · €261k
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€351k€391k▲
Fixed assets21/28€184k€169k▼
Tangible fixed assets22/27€178k€163k▼
Land and buildings22€159k€150k▼
Plant, machinery and equipment23€13k€10k▼
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€6k€6k=
Current assets29/58€168k€222k▲
Stocks and contracts in progress3€18k€6k▼
Stocks30/36€18k€6k▼
Amounts receivable within one year40/41€144k€191k▲
Trade receivables40€67k€103k▲
Other amounts receivable41€77k€88k▲
Cash at bank and in hand54/58€6k€24k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€351k€391k▲
Equity10/15€192k€207k▲
Contributions10/11€94k€94k=
Capital10€94k€94k=
Issued capital100€94k€94k=
Revaluation surpluses12€180k€180k=
Reserves13€9k€9k=
Non-distributable reserves130/1€9k€9k=
Legal reserve130€9k€9k=
Profit (loss) carried forward14€-91k€-76k▲
Amounts payable17/49€159k€184k▲
Amounts payable within one year42/48€159k€184k▲
Financial debts43€11k-
Credit institutions430/8€11k-
Trade debts44€43k€43k▼
Suppliers440/4€43k€43k▼
Taxes, remuneration and social security45€56k€54k▼
Taxes450/3€29k€30k▲
Remuneration and social security454/9€27k€24k▼
Other amounts payable47/48€48k€87k▲
Accrued charges and deferred income492/3€418-
Income statement
Code20242025
Remuneration, social security and pensions62€261k€274k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€15k€11k▼
Gross operating margin9900€310k€404k▲
Operating profit (loss)9901€19k€104k▲
Financial income75/76B€399€254▼
Recurring financial income75€399€254▼
Financial charges65/66B€7k€10k▲
Recurring financial charges65€7k€10k▲
Profit (loss) for the period before taxes9903€12k€95k▲
Income taxes67/77€15k€80k▲
Profit (loss) for the period9904€-3k€15k▲
Profit (loss) for the period to be appropriated9905€-3k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-91k€-76k▲
Profit (loss) brought forward from the previous period14P€-88k€-91k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
31-12
Financial
Equity above €200kEq €207k ▲7.8%
Equity rises from €192k to €207k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after 3 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €184k ▲303%
Equity rises from €46k to €184k.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
12-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 378 days late
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 323 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sombreffe · 1 establishment unit since 2002
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.
Rue de la Spinette, Boig. 325140 SombreffeGround area
1,911 m²
Building footprint
302 m²
Parcel 92313D0113/00T002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue de la Spinette, Boig. 32, 5140 Sombreffe
since 20022.099.174.525
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92313D0113/00T002 | Wallonia | 1,911 m² | 1 · 301 m² | - |
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.
Similar companies · same sector, comparable size
ADSUMUS
BE 0682.417.071
Namur · Eq €199k
ANIMATRANS
BE 0466.849.419
Vorst · Eq €181k
D.J.P. Fun
BE 0508.961.671
Grez-Doiceau · Eq €162k
Eerste Belgisch Huisdierencrematorium
BE 0433.277.224
Antwerpen · Eq €144k
BURG IMMO
BE 0696.677.556
Messancy · Eq €139k
Of 61 companies in sector 96302 we hold annual accounts for 35. 19 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-07-2002
Fiscal year end31-12
Activities, NACEBEL
93031
93032
96301Funeral services
96302Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.