Crème Fraîche 2.0
ActiveCrème Fraîche 2.0 has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €2k. Equity is growing by ~48.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 4596 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▼-23
Solvency73▲+17
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.97 against 1.73 in 2024; short-term debt: 33.4% and cash: 10.5% of total assets), but 51.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
48.1%
Return on assets
4%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
31 d early
2024
26 d late
2023
16 d early
2022
4 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 9.0%
2024 · €27k
2022: €8k
2023: €7k
2024: €27k
2022 → 2025
Total assets
€61k▼ 30.1%
2024 · €87k
2022: €87k
2023: €87k
2024: €87k
2022 → 2025
Net result
€2k▼ 87.6%
2024 · €20k
2022: €6k
2023: €-149
2024: €20k
2022 → 2025
Working capital
€20k▼ 17.3%
2024 · €24k
2022: €13k
2023: €13k
2024: €24k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€8k-€7k▼ 1.9%€27k▲ 260%€29k▲ 9.0%
Operating result€8k-€4k▼ 42.8%€29k▲ 551%€5k▼ 83.6%
Net result€6k-€-149€20k€2k▼ 87.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 84% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€21k▼ 32.3%
Current assets
€40k▼ 28.9%
Equity and liabilities €61k
Equity
€29k▲ 9.0%
Debt
€32k▼ 47.6%
The debt ratio falls from 69.2% to 51.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €41k
Cash flow
€15k▼
2024 · €32k
Solvency
48.1%▲
2024 · 30.8%
Current ratio
1.97▲
2024 · 1.73
Quick ratio
0.55▼
2024 · 0.99
Debt / equity
1.08▼
2024 · 2.24
ROE
8.3%▼
2024 · 72.8%
ROA
4.0%▼
2024 · 22.5%
Interest coverage
10.78▲
2024 · 10.25
Debt
€32k▼
2024 · €60k
Debt ≤ 1 year
€20k▼
2024 · €33k
Debt > 1 year
€11k▼
2024 · €28k
Income taxes
€1k▼
2024 · €6k
Staff costs
€2k▼
2024 · €16k
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€87k€61k▼
Fixed assets21/28€31k€21k▼
Tangible fixed assets22/27€31k€21k▼
Plant, machinery and equipment23€21k€12k▼
Furniture and vehicles24-€2k
Other tangible fixed assets26€10k€7k▼
Current assets29/58€56k€40k▼
Stocks and contracts in progress3€24k€29k▲
Stocks30/36€24k€29k▲
Amounts receivable within one year40/41€19k€4k▼
Trade receivables40€15k€2k▼
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€14k€6k▼
Deferred charges and accrued income490/1€0€1k▲
Equity and liabilities
Total equity and liabilities10/49€87k€61k▼
Equity10/15€27k€29k▲
Contributions10/11€2k€2k=
Reserves13€6k€27k▲
Distributable reserves133€6k€27k▲
Profit (loss) carried forward14€19k€0▼
Amounts payable17/49€60k€32k▼
Amounts payable after more than one year17€28k€11k▼
Financial debts170/4€22k€8k▼
Other amounts payable178/9€6k€3k▼
Amounts payable within one year42/48€33k€20k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Advances received on contracts in progress46€423€265▼
Taxes, remuneration and social security45€11k€3k▼
Taxes450/3€10k€3k▼
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€434€948▲
Accrued charges and deferred income492/3€240€291▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€58k€20k▼
Operating profit (loss)9901€29k€5k▼
Financial income75/76B€462€598▲
Recurring financial income75€462€598▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€25k€4k▼
Income taxes67/77€6k€1k▼
Profit (loss) for the period9904€20k€2k▼
Profit (loss) for the period to be appropriated9905€20k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€22k▲
Profit (loss) brought forward from the previous period14P€-302€19k▲
Transfer to equity691/2-€22k
To other reserves6921-€22k
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-149 ▼103%
Net result drops to €-149, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
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, Knokke-Heist · 1 establishment unit since 2022
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.
Natiënlaan 1768300 Knokke-HeistGround area
5,072 m²
Building footprint
2,068 m²
Volume, LiDAR
17,204 m³
Parcel 31039A0196/00R000, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Crème Fraîche
since 20222.330.611.872
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039A0196/00R000 | Flanders | 5,072 m² | 1 · 2,068 m² | 13.7 m · 3 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 21,748 companies in sector 96210 we hold annual accounts for 2,831. 2,301 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2022
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
47750Retail sale of cosmetics and toilet articles
86909Human health activities
86995Nutrition and dietetics services
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.