CREPI-BEL
ActiveCREPI-BEL has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €501k and a net result of €24k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 7744 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-14
Solvency82▼-5
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 2.39 against 2.86 in 2024; short-term debt: 32.8% and cash: 21.4% of total assets), and 42.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
57.1%
Return on assets
2.7%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
21 d early
2023
9 d early
2022
25 d early
2021
13 d early
2020
32 d early
2019
17 d early
← 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, abbreviated schema
Equity
€501k▲ 5.0%
2024 · €477k
2018: €118k
2019: €163k
2020: €89k
2021: €284k
2022: €373k
2023: €418k
2024: €477k
2018 → 2025
Total assets
€876k▲ 13.2%
2024 · €774k
2018: €255k
2019: €479k
2020: €485k
2021: €807k
2022: €1.03M
2023: €821k
2024: €774k
2018 → 2025
Net result
€24k▼ 78.3%
2024 · €109k
2018: €44k
2019: €45k
2020: €126k
2021: €195k
2022: €189k
2023: €45k
2024: €109k
2018 → 2025
Working capital
€399k▼ 3.5%
2024 · €413k
2018: €114k
2019: €145k
2020: €59k
2021: €228k
2022: €314k
2023: €355k
2024: €413k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€284k-€373k▲ 31.1%€418k▲ 12.0%€477k▲ 14.2%€501k▲ 5.0%
Operating result€273k-€263k▼ 3.5%€76k▼ 71.1%€150k▲ 97.8%€45k▼ 70.1%
Net result€195k-€189k▼ 3.4%€45k▼ 76.2%€109k▲ 143%€24k▼ 78.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 70% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €876k
Fixed assets
€190k▲ 37.8%
Current assets
€686k▲ 7.9%
Equity and liabilities €876k
Equity
€501k▲ 5.0%
Debt
€375k▲ 26.4%
The debt ratio rises from 38.4% to 42.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€104k▼
2024 · €197k
Cash flow
€82k▼
2024 · €156k
Solvency
57.1%▼
2024 · 61.6%
Current ratio
2.39▼
2024 · 2.86
Quick ratio
1.67▼
2024 · 2.08
Debt / equity
0.75▲
2024 · 0.62
ROE
4.7%▼
2024 · 22.9%
ROA
2.7%▼
2024 · 14.1%
Interest coverage
11.87▼
2024 · 19.64
Debt
€375k▲
2024 · €297k
Debt ≤ 1 year
€287k▲
2024 · €223k
Debt > 1 year
€87k▲
2024 · €72k
Income taxes
€12k▼
2024 · €31k
Staff costs
€142k▲
2024 · €129k
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€774k€876k▲
Fixed assets21/28€138k€190k▲
Tangible fixed assets22/27€123k€156k▲
Plant, machinery and equipment23€18k€23k▲
Furniture and vehicles24€1k€33k▲
Leasing and similar rights25€104k€100k▼
Financial fixed assets28€15k€34k▲
Current assets29/58€636k€686k▲
Stocks and contracts in progress3€173k€205k▲
Stocks30/36€173k€205k▲
Amounts receivable within one year40/41€393k€293k▼
Trade receivables40€368k€281k▼
Other amounts receivable41€25k€12k▼
Cash at bank and in hand54/58€69k€187k▲
Deferred charges and accrued income490/1€1k€334▼
Equity and liabilities
Total equity and liabilities10/49€774k€876k▲
Equity10/15€477k€501k▲
Contributions10/11€6k€6k=
Reserves13€471k€494k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€471k€494k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€297k€375k▲
Amounts payable after more than one year17€72k€87k▲
Financial debts170/4€72k€87k▲
Amounts payable within one year42/48€223k€287k▲
Current portion of amounts payable after more than one year42€41k€50k▲
Financial debts43€14k€0▼
Credit institutions430/8€14k€0▼
Trade debts44€37k€65k▲
Suppliers440/4€37k€65k▲
Advances received on contracts in progress46€7k€81k▲
Taxes, remuneration and social security45€23k€38k▲
Taxes450/3€5k€17k▲
Remuneration and social security454/9€18k€20k▲
Other amounts payable47/48€101k€53k▼
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Non-recurring operating income76A-€10k
Remuneration, social security and pensions62€129k€142k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€59k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-32k€36k▲
Other operating charges640/8€4k€6k▲
Non-recurring operating charges66A€39k€0▼
Gross operating margin9900€337k€287k▼
Operating profit (loss)9901€150k€45k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€140k€36k▼
Income taxes67/77€31k€12k▼
Profit (loss) for the period9904€109k€24k▼
Profit (loss) for the period to be appropriated9905€109k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€109k€24k▼
Transfer to equity691/2€59k€24k▼
To other reserves6921€59k€24k▼
Profit to be distributed694/7€50k€0▼
Return on contributions (dividend)694€50k€0▼
Social balance
Average headcount (FTE)90871.51.6▲
The notes to these accounts (21 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €24k ▼78.3%
Net result drops to €24k, the lowest in the series.
31-12
Financial
Equity above €500kEq €501k ▲5%
8 profitable years in a row build equity to €501k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €195k ▲55%
Operating result €273k, net result €195k, both a record.
31-12
Financial
Equity above €200kEq €284k ▲219%
4 profitable years in a row build equity to €284k.
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €163k ▲38.4%
2 profitable years in a row build equity to €163k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-06
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
6 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, Ternat · 1 establishment unit since 2015
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.
Industrielaan 381740 TernatGround area
2,686 m²
Building footprint
1,549 m²
Volume, LiDAR
9,108 m³
Parcel 23086B0354/00B003, Flanders · tallest building 12.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREPI-BEL
since 20152.249.840.368
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23086B0354/00B003 | Flanders | 2,686 m² | 1 · 1,549 m² | 12.1 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.
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DELRUE BENNY
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ISODELNA
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Plakker De Backer
BE 0734.645.435
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ESIX SURFACE TECHNOLOGIES
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Lens (Hainaut) · Eq €505k
VAK EN DECO+
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Halen · Eq €495k
Of 4,013 companies in sector 43310 we hold annual accounts for 1,745. 1,000 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2015
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
41001General construction of residential buildings
42990Civil engineering
43910Bricklaying and masonry work
43994Specialised construction activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.