Creosum
ActiveCreosum has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €122k and a net result of €10k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 41% of 9460 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+5
Solvency70▼-10
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.66 against 1.96 in 2024; short-term debt: 54.7% and cash: 16.9% of total assets), but 54.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
45.3%
Return on assets
3.9%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 26-02-2026, 26 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
26 d late
2024
27 d late
2023
2 d early
2022
on the day
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€445k
EBIT margin
5.5%
Net result
€10k
2024 · €-307
2019: €4k
2020: €6k
2021: €5k
2022: €31k
2023: €24k
2024: €-307
2019 → 2025
Working capital
€97k▲ 10.1%
2024 · €88k
2019: €79k
2020: €95k
2021: €94k
2022: €77k
2023: €71k
2024: €88k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€445k
Equity€107k-€94k▼ 12.3%€118k▲ 25.5%€111k▼ 5.8%€122k▲ 9.4%
Operating result€15k-€25k▲ 66.3%€38k▲ 53.7%€4k▼ 89.2%€13k▲ 230%
Net result€5k-€31k▲ 514%€24k▼ 22.5%€-307€10k
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 2025; 2025 is 230% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €269k
Fixed assets
€25k▲ 6.6%
Current assets
€244k▲ 36.2%
Equity and liabilities €269k
Equity
€122k▲ 9.4%
Debt
€147k▲ 61.3%
The debt ratio rises from 45.0% to 54.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€20k▼
2024 · €32k
Cash flow
€17k▼
2024 · €28k
Solvency
45.3%▼
2024 · 55.0%
Current ratio
1.66▼
2024 · 1.96
Quick ratio
1.04▼
2024 · 1.84
Debt / equity
1.21▲
2024 · 0.82
ROE
8.6%▲
2024 · -0.3%
ROA
3.9%▲
2024 · -0.2%
Interest coverage
24.41▲
2024 · 6.34
Debt
€147k▲
2024 · €91k
Debt ≤ 1 year
€147k▲
2024 · €91k
Income taxes
€5k▲
2024 · €2k
Staff costs
€33k▲
2024 · €26k
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€203k€269k▲
Fixed assets21/28€24k€25k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€24k€21k▼
Land and buildings22€8k€6k▼
Plant, machinery and equipment23€11k€13k▲
Furniture and vehicles24€4k€3k▼
Financial fixed assets28-€4k
Current assets29/58€179k€244k▲
Amounts receivable after more than one year29€46k€46k=
Other amounts receivable291€46k€46k=
Stocks and contracts in progress3€11k€90k▲
Contracts in progress37€11k€90k▲
Amounts receivable within one year40/41€73k€44k▼
Trade receivables40€54k€41k▼
Other amounts receivable41€19k€4k▼
Current investments50/53€17k€17k=
Cash at bank and in hand54/58€31k€46k▲
Deferred charges and accrued income490/1€2k€351▼
Equity and liabilities
Total equity and liabilities10/49€203k€269k▲
Equity10/15€111k€122k▲
Contributions10/11€19k€19k=
Reserves13€93k€103k▲
Non-distributable reserves130/1€17k€17k=
Reserves not available under the articles1311€17k€17k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€65k€75k▲
Profit (loss) carried forward14€26€75▲
Amounts payable17/49€91k€147k▲
Amounts payable within one year42/48€91k€147k▲
Trade debts44€81k€132k▲
Suppliers440/4€81k€132k▲
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3-€5k
Remuneration and social security454/9€4k€7k▲
Other amounts payable47/48€7k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€3k-
Remuneration, social security and pensions62€26k€33k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€6k▼
Other operating charges640/8€3k€5k▲
Non-recurring operating charges66A€7k-
Gross operating margin9900€68k€58k▼
Operating profit (loss)9901€4k€13k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€5k€802▼
Recurring financial charges65€5k€802▼
Profit (loss) for the period before taxes9903€2k€16k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€-307€10k▲
Profit (loss) for the period to be appropriated9905€-307€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€10k▲
Profit (loss) brought forward from the previous period14P€7k€26▼
Transfer to equity691/2-€10k
To other reserves6921-€10k
Profit to be distributed694/7€7k-
Return on contributions (dividend)694€7k-
The notes to these accounts (9 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
26-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
30-06
Financial
Weakest financial yearnet €-307 ▼101%
Net result drops to €-307, the lowest in the series; recovery starts the following year.
29-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €100kEq €118k ▲25.5%
5 profitable years in a row build equity to €118k.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €31k ▲514%
Net result €31k, the highest in the series.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €100kEq €102k ▲6.3%
2 profitable years in a row build equity to €102k.
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Linter · 1 establishment unit since 2011
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.
Heufstraat(OVH) 563350 LinterGround area
1,680 m²
Building footprint
876 m²
Volume, LiDAR
6,542 m³
2 parcels, Flanders · tallest building 19.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Creosum
since 20112.206.106.929
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71326F0328/00W000 | Flanders | 899 m² | 1 · 444 m² | 19.7 m · 2 fl. |
| 24088A0120/00C002 | Flanders | 781 m² | 1 · 432 m² | 10.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
2024 to 2025 · 2 entries · 893 EUR awarded · 893 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 626 EUR | 626 EUR |
| 2024 | 1 | 267 EUR | 267 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,554 companies in sector 71121 we hold annual accounts for 6,563. 5,240 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-12-2011
Fiscal year end30-06
Activities, NACEBEL
71113Urban planning and landscape architecture
71121Engineering and related technical consultancy, excluding land surveyors
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.creosum.be