CREPIFACADE
ActiveThe computed 12-month bankruptcy probability of CREPIFACADE is 2.3% (moderate). The 2023 annual accounts show equity of €21k and a net result of €-6k. Equity is growing by ~21.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 33690 sector peers (fiscal year 2023). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2023
Axes · tick = 2022
Profitability0▼-90
Solvency98▼-1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 2.42 against 2.45 in 2022), and 39.9% 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.
+raises risk○neutral
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 2023Solvency, return and age of the figures
Solvency
60.1%
Return on assets
-18.5%
Age of the figures
32 mo
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 →
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 7 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline15-09-2026 today
neutral · Filed after the deadline
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 04-09-2024, 35 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 · 7 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
35 d late
2022
77 d late
2021
68 d late
2020
212 d late
2019
577 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€21k▼ 23.5%
2022 · €27k
2018: €6k
2019: €21k
2020: €15k
2021: €22k
2022: €27k
2018 → 2023
Total assets
€34k▼ 20.3%
2022 · €43k
2018: €15k
2019: €45k
2020: €34k
2021: €58k
2022: €43k
2018 → 2023
Net result
€-6k
2022 · €5k
2018: €-445
2019: €14k
2020: €-6k
2021: €7k
2022: €5k
2018 → 2023
Working capital
€19k▼ 19.1%
2022 · €23k
2018: €4k
2019: €19k
2020: €14k
2021: €19k
2022: €23k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€21k-€15k▼ 27.6%€22k▲ 48.9%€27k▲ 21.9%€21k▼ 23.5%
Operating result€21k-€-6k€9k€4k▼ 54.1%€-5k
Net result€14k-€-6k€7k€5k▼ 33.4%€-6k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2023: a loss of €5k after €4k in 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €34k
Fixed assets
€2k▼ 40.1%
Current assets
€32k▼ 18.2%
Equity and liabilities €34k
Equity
€21k▼ 23.5%
Debt
€14k▼ 14.8%
The debt ratio rises from 37.3% to 39.9%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-3k▼
2022 · €6k
Cash flow
€-5k▼
2022 · €6k
Solvency
60.1%▼
2022 · 62.7%
Current ratio
2.42▼
2022 · 2.45
Quick ratio
2.42▼
2022 · 2.45
Debt / equity
0.66▲
2022 · 0.60
ROE
-30.8%▼
2022 · 17.9%
ROA
-18.5%▼
2022 · 11.2%
Interest coverage
-1.40▼
2022 · 14.49
Debt
€14k▼
2022 · €16k
Debt ≤ 1 year
€13k▼
2022 · €16k
Income taxes
€128▼
2022 · €2k
Staff costs
€26k▼
2022 · €29k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€43k€34k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€2k€990▼
Current assets29/58€39k€32k▼
Amounts receivable within one year40/41€3k€10k▲
Trade receivables40€2k€8k▲
Other amounts receivable41€462€2k▲
Cash at bank and in hand54/58€36k€21k▼
Deferred charges and accrued income490/1€45€1k▲
Equity and liabilities
Total equity and liabilities10/49€43k€34k▼
Equity10/15€27k€21k▼
Contributions10/11€6k€6k=
Reserves13€14k€14k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€7k€368▼
Amounts payable17/49€16k€14k▼
Amounts payable within one year42/48€16k€13k▼
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€5k€8k▲
Remuneration and social security454/9€2k€1k▼
Other amounts payable47/48€5k€11▼
Accrued charges and deferred income492/3€184€490▲
Income statement
Code20222023
Remuneration, social security and pensions62€29k€26k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€104€543▲
Gross operating margin9900€35k€23k▼
Operating profit (loss)9901€4k€-5k▼
Financial income75/76B€3k€391▼
Recurring financial income75€3k€391▼
Financial charges65/66B€393€2k▲
Recurring financial charges65€393€2k▲
Profit (loss) for the period before taxes9903€7k€-6k▼
Income taxes67/77€2k€128▼
Profit (loss) for the period9904€5k€-6k▼
Profit (loss) for the period to be appropriated9905€5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€368▼
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer to equity691/2€5k€0▼
To other reserves6921€5k€0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2024
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 35 days late
2023
31-12
Financial
Weakest financial yearnet €-6k ▼231%
Net result drops to €-6k, the lowest in the series.
16-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 77 days late
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 68 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 212 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 577 days late
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1308 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
20-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 873 days late
2019
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
14-08-2025
Pietro D'aquisto: Resigned as Director
06-12-2024
Pietro D'ACQUISTO: Resigned as Director
31-03-2018
D'ACQUISTO Vincent: Resigned as Manager
Location & real-estate footprint
Registered office, Herstal · 1 establishment unit since 2017
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.
Parc Ind. des Hauts Sarts, 1e av 2654040 Herstal1 establishment unit
Parc Ind. des Hauts Sarts, 1e av 265, 4040 Herstal
since 20172.261.464.136
Structure & network
Connections & network
15 connected companiesNetwork connections
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Of 3,987 companies in sector 43310 we hold annual accounts for 1,737. 1,348 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2017
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filings
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.