Creme Marie
ActiveThe computed 12-month bankruptcy probability of Creme Marie is 4.5% (elevated). The 2024 annual accounts show equity of €10k and a net result of €4k. Equity is growing by ~42.3% per year across the filed fiscal years. Its solvency ranks better than 37% of 18942 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2024
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▲+3
Solvency39▲+6
Growth78=
Track record94
Bankruptcy probability, 12 months
4.5%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity short (current ratio 0.35 against 0.38 in 2023; short-term debt: 73.5% and cash: 17.2% of total assets), and 86.3% 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.
+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
13.7%
Return on assets
4.9%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 17-08-2025, 17 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
17 d late
2023
21 d late
2022
2 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€10k▲ 55.3%
2023 · €6k
2022: €4k
2023: €6k
2022 → 2024
Total assets
€72k▼ 13.1%
2023 · €83k
2022: €94k
2023: €83k
2022 → 2024
Net result
€4k▲ 88.5%
2023 · €2k
2022: €1k
2023: €2k
2022 → 2024
Working capital
€-34k▼ 2.5%
2023 · €-33k
2022: €-32k
2023: €-33k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€4k-€6k▲ 41.5%€10k▲ 55.3%
Operating result€4k-€4k▼ 14.5%€6k▲ 67.4%
Net result€1k-€2k▲ 25.5%€4k▲ 88.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 67% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €71k
Fixed assets
€52k▼ 14.1%
Current assets
€19k▼ 8.5%
Equity and liabilities €72k
Equity
€10k▲ 55.3%
Debt
€62k▼ 18.7%
The debt ratio falls from 92.4% to 86.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2023 · €13k
Cash flow
€13k▲
2023 · €11k
Solvency
13.7%▲
2023 · 7.6%
Current ratio
0.35▼
2023 · 0.38
Quick ratio
0.26▼
2023 · 0.30
Debt / equity
6.32▼
2023 · 12.08
ROE
35.6%▲
2023 · 29.3%
ROA
4.9%▲
2023 · 2.2%
Interest coverage
11.55▲
2023 · 7.73
Debt
€62k▼
2023 · €77k
Debt ≤ 1 year
€53k▼
2023 · €54k
Debt > 1 year
€9k▼
2023 · €23k
Income taxes
€1k▲
2023 · €186
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€83k€72k▼
Formation expenses20€1k€931▼
Fixed assets21/28€61k€52k▼
Tangible fixed assets22/27€61k€52k▼
Land and buildings22€4k€3k▼
Plant, machinery and equipment23€57k€49k▼
Current assets29/58€20k€19k▼
Stocks and contracts in progress3€5k€5k▲
Stocks30/36€5k€5k▲
Amounts receivable within one year40/41€737€1k▲
Trade receivables40€366-
Other amounts receivable41€371€1k▲
Cash at bank and in hand54/58€14k€12k▼
Deferred charges and accrued income490/1€2k€104▼
Equity and liabilities
Total equity and liabilities10/49€83k€72k▼
Equity10/15€6k€10k▲
Contributions10/11€3k€3k=
Capital10€3k-
Issued capital100€3k-
Reserves13€3k€7k▲
Distributable reserves133€3k€7k▲
Amounts payable17/49€77k€62k▼
Amounts payable after more than one year17€23k€9k▼
Financial debts170/4€23k€9k▼
Amounts payable within one year42/48€54k€53k▼
Current portion of amounts payable after more than one year42€11k€13k▲
Trade debts44€2k€498▼
Suppliers440/4€2k€498▼
Taxes, remuneration and social security45€186€2k▲
Taxes450/3€186€2k▲
Other amounts payable47/48€41k€38k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€849€1k▲
Gross operating margin9900€14k€17k▲
Operating profit (loss)9901€4k€6k▲
Financial income75/76B€43€16▼
Recurring financial income75€43€16▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€2k€5k▲
Income taxes67/77€186€1k▲
Profit (loss) for the period9904€2k€4k▲
Profit (loss) for the period to be appropriated9905€2k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Transfer to equity691/2€2k€4k▲
To other reserves6921€2k€4k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
17-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 17 days late
2024
31-12
Financial
Highest result since 2022net €4k ▲88.5%
Operating result €6k, net result €4k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bocholt · 1 establishment unit since 2021
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.
Veldhovenstraat 113950 BocholtGround area
2,062 m²
Building footprint
175 m²
Volume, LiDAR
929 m³
Parcel 72003A0740/00E000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Creme Marie
since 20212.320.265.635
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003A0740/00E000 | Flanders | 2,062 m² | 1 · 175 m² | 7.6 m · 2 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteBocholt2.320.265.635
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Of 21,896 companies in sector 56112 we hold annual accounts for 9,778. 6,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2021
Fiscal year end31-12
Activities, NACEBEL
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
56101Full-service restaurants
56111Full-service restaurants
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.