CRESCEMUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €3.31M and a net result of €348k. Equity is growing by ~34.8% per year across the filed fiscal years. Its solvency ranks better than 79% of 5521 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
23 d early
2023
14 d early
2022
14 d early
2021
31 d late
2020
31 d late
2019
32 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.31M▲ 8.0%
2024 · €3.06M
2018: €58k
2019: €159k
2020: €563k
2021: €1.10M
2022: €1.96M
2023: €2.38M
2024: €3.06M
2018 → 2025
Net result
€348k▼ 50.1%
2024 · €698k
2018: €67k
2019: €149k
2020: €554k
2021: €594k
2022: €1.10M
2023: €669k
2024: €698k
2018 → 2025
Total assets
€3.96M▲ 7.2%
2024 · €3.69M
2018: €120k
2019: €284k
2020: €824k
2021: €1.25M
2022: €2.17M
2023: €3.44M
2024: €3.69M
2018 → 2025
Solvency
83.6%▲ 0.6pp
2024 · 83.0%
2018: 47.8%
2019: 56.1%
2020: 68.4%
2021: 88.2%
2022: 90.6%
2023: 69.2%
2024: 83.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.10M-€1.96M▲ 77.7%€2.38M▲ 21.3%€3.06M▲ 28.6%€3.31M▲ 8.0%
Operating result€866k-€1.58M▲ 82.6%€955k▼ 39.6%€979k▲ 2.5%€483k▼ 50.7%
Net result€594k-€1.10M▲ 84.8%€669k▼ 39.0%€698k▲ 4.3%€348k▼ 50.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.96M
Fixed assets
€888k▲ 25.3%
Current assets
€3.07M▲ 2.9%
Equity and liabilities €3.96M
Equity
€3.31M▲ 8.0%
Debt
€648k▲ 3.3%
The debt ratio falls from 17.0% to 16.4%. Equity and debt are higher.
Key figures and ratios
Solvency
83.6%▲
2024 · 83.0%
ROE
10.5%▼
2024 · 22.8%
ROA
8.8%▼
2024 · 18.9%
Debt
€648k▲
2024 · €627k
Debt ≤ 1 year
€140k▲
2024 · €85k
Debt > 1 year
€506k▼
2024 · €541k
Income taxes
€167k▼
2024 · €330k
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€3.69M€3.96M▲
Fixed assets21/28€709k€888k▲
Tangible fixed assets22/27€685k€664k▼
Land and buildings22€674k€658k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€10k€4k▼
Financial fixed assets28€23k€224k▲
Current assets29/58€2.98M€3.07M▲
Amounts receivable within one year40/41€76k€1.01M▲
Trade receivables40€44k€47k▲
Other amounts receivable41€32k€964k▲
Current investments50/53€1.11M€64k▼
Cash at bank and in hand54/58€1.79M€1.97M▲
Deferred charges and accrued income490/1€6k€27k▲
Equity and liabilities
Total equity and liabilities10/49€3.69M€3.96M▲
Equity10/15€3.06M€3.31M▲
Contributions10/11€12k€12k=
Reserves13€3.05M€3.30M▲
Distributable reserves133€3.05M€3.30M▲
Amounts payable17/49€627k€648k▲
Amounts payable after more than one year17€541k€506k▼
Financial debts170/4€541k€506k▼
Amounts payable within one year42/48€85k€140k▲
Current portion of amounts payable after more than one year42€34k€36k▲
Trade debts44€3k€15k▲
Suppliers440/4€3k€15k▲
Taxes, remuneration and social security45€47k€89k▲
Taxes450/3€47k€87k▲
Remuneration and social security454/9-€2k
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€23k▲
Other operating charges640/8€790€5k▲
Gross operating margin9900€1.00M€511k▼
Operating profit (loss)9901€979k€483k▼
Financial income75/76B€74k€56k▼
Recurring financial income75€74k€56k▼
Financial charges65/66B€25k€24k▼
Recurring financial charges65€25k€24k▼
Profit (loss) for the period before taxes9903€1.03M€515k▼
Income taxes67/77€330k€167k▼
Profit (loss) for the period9904€698k€348k▼
Profit (loss) for the period to be appropriated9905€698k€348k▼
Appropriation of the result
Profit (loss) to be appropriated9906€698k€348k▼
Transfer from equity791/2€17k€102k▲
Transfer to equity691/2€698k€348k▼
To other reserves6921€698k€348k▼
Profit to be distributed694/7€17k€102k▲
Return on contributions (dividend)694€17k€102k▲
The notes to these accounts (10 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
08-07
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-01
State Gazette act
Board meeting · Director resignation
Director appointment · Permanent representative
2024
31-12
Financial
Liquidity times 6current ratio 35.29
Current ratio from 5.66 to 35.29; short-term debt falls from €482k to €85k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €2MEq €2.38M ▲21.3%
6 profitable years in a row build equity to €2.38M.
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €1.10M ▲84.8%
Operating result €1.58M, net result €1.10M, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
19-08
State Gazette act
Board meeting · Director appointment
07-01
State Gazette act
General meeting · Capital decrease
Capital · Corporate purpose · Marc SLEDSENS
2021
31-12
Financial
Liquidity triplescurrent ratio 8.31
Current ratio from 3.08 to 8.31; short-term debt falls from €260k to €148k.
31-12
Financial
Equity above €1MEq €1.10M ▲96.1%
4 profitable years in a row build equity to €1.10M.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €500kEq €563k ▲254%
3 profitable years in a row build equity to €563k.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €159k ▲177%
2 profitable years in a row build equity to €159k.
27-12
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
13-05
State Gazette act
General meeting · Director appointment
Permanent representative
2018
31-08
State Gazette act
Board meeting · Director resignation
Permanent representative · Director appointment
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
20-07
State Gazette act
General meeting · Capital increase
Power of attorney · Statutes amendment · Frank Liesse
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Deinze · 1 establishment unit since 2013
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.
Dr.Adriaan Martenslaan 69800 DeinzeGround area
3,009 m²
Building footprint
470 m²
Volume, LiDAR
1,762 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRESCEMUS
since 20132.218.644.475
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0005/00F002 | Flanders | 2,237 m² | 1 · 300 m² | 8.9 m |
| 44004C0072/00T000 | Flanders | 772 m² | 1 · 170 m² | 9.0 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.
Structure & network
Ownership & control
3 partiesCRESCEMUSBE 0521.873.163
controls
Where this company holds controlthis company sits on their board3
Recognitions · licences · registrations
Legal Entity Identifier
875500R135AIBLIVOV29
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-02-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.