CREPI-PAINT
ActiveThe computed 12-month bankruptcy probability of CREPI-PAINT is 2.2% (moderate). The 2025 annual accounts show equity of €64k and a net result of €28k. Its solvency ranks better than 25% of 27451 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+13
Solvency49▲+6
Growth78
Track record82
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.3 against 1.21 in 2024; short-term debt: 76.3% and cash: 37% of total assets), and 76.3% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
23.7%
Return on assets
10.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 27451 sector peers (2025).
NBB · sector comparisonPosition among 27451 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 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 · 2 filingsDeviation from the deadline
2025
4 d late
2024
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€64k▲ 76.3%
2024 · €37k
2024: €37k
2024 → 2025
Total assets
€272k▲ 30.8%
2024 · €208k
2024: €208k
2024 → 2025
Net result
€28k▲ 5.0%
2024 · €27k
2024: €27k
2024 → 2025
Working capital
€63k▲ 72.0%
2024 · €37k
2024: €37k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€37k-€64k▲ 76.3%
Operating result€34k-€34k▼ 0.8%
Net result€27k-€28k▲ 5.0%
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 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€2k
Current assets
€270k
Equity and liabilities €272k
Equity
€64k▲ 76.3%
Debt
€207k▲ 21.1%
The debt ratio falls from 82.4% to 76.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k
Cash flow
€28k
Solvency
23.7%▲
2024 · 17.6%
Current ratio
1.30▲
2024 · 1.21
Quick ratio
1.30▲
2024 · 1.21
Debt / equity
3.22▼
2024 · 4.69
ROE
43.3%▼
2024 · 72.6%
ROA
10.2%▼
2024 · 12.8%
Interest coverage
388.95
Debt
€207k▲
2024 · €171k
Debt ≤ 1 year
€207k▲
2024 · €171k
Income taxes
€7k▲
2024 · €7k
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€208k€272k▲
Fixed assets21/28-€2k
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Current assets29/58€208k€270k▲
Amounts receivable within one year40/41€144k€170k▲
Trade receivables40€98k€50k▼
Other amounts receivable41€46k€119k▲
Cash at bank and in hand54/58€64k€101k▲
Deferred charges and accrued income490/1€281€10▼
Equity and liabilities
Total equity and liabilities10/49€208k€272k▲
Equity10/15€37k€64k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€27k€54k▲
Amounts payable17/49€171k€207k▲
Amounts payable within one year42/48€171k€207k▲
Trade debts44€162k€198k▲
Suppliers440/4€162k€198k▲
Taxes, remuneration and social security45€7k€7k▲
Taxes450/3€7k€7k▲
Other amounts payable47/48€2k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€55
Other operating charges640/8€791€654▼
Gross operating margin9900€35k€34k▼
Operating profit (loss)9901€34k€34k▼
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€814€87▼
Recurring financial charges65€814€87▼
Profit (loss) for the period before taxes9903€33k€35k▲
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€27k€28k▲
Profit (loss) for the period to be appropriated9905€27k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€54k▲
Profit (loss) brought forward from the previous period14P-€27k
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
Next filing, fiscal year 2026, expected by
2026
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
NBB filing
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, Wielsbeke · 1 establishment unit since 2023
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.
Kruishoek(O) 138710 WielsbekeGround area
1,156 m²
Building footprint
199 m²
Volume, LiDAR
996 m³
Parcel 37009A0533/00A002, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREPI-PAINT
since 20232.353.318.780
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37009A0533/00A002 | Flanders | 1,156 m² | 1 · 199 m² | 9.3 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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LA MARCHE
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DECOMER
BE 0762.986.558
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FIRMA STEPMAN
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Of 7,864 companies in sector 43341 we hold annual accounts for 2,662. 2,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-11-2023
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43310Plastering work
43422Screed work
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.