Summary
CRESCENOS 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 €16.5m and a net result of €5.8m. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 2445 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked 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.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
7 d early
2022
6 d early
2021
5 d early
2020
7 d early
2019
7 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
28-09-2026 today30-09-2026 close30-04-2027 deadline
History
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Financials · fiscal year 2025, full schema
In the rankings
#2 company by total assets in Dilsen-Stokkem, Finance and insurance sector#5 company by equity in Dilsen-Stokkem, Finance and insurance sector
Equity
€16.5m▲ 52.3%
2024 · €10.8m
Net result
€5.8m▲ 4,234%
2024 · €133,798
Total assets
€52.6m▲ 24.8%
2024 · €42.2m
Solvency
31.4%▲ 5.7pp
2024 · 25.7%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.2m▲ 47.9%€3.5m▲ 58.2%€3.5m▲ 1.3%€2.2m▼ 37.1%€2.5m▲ 12.7%
Operating result€1.0m▲ 56.5%€2.5m▲ 141%€2.2m▼ 10.6%€783,809▼ 64.5%€1.6m▲ 98.4%
Net result€3.5mabove the sector's middle half▲ 737%€1.8mabove the sector's middle half▼ 49.8%€1.5mabove the sector's middle half▼ 16.6%€133,798within the sector's middle half▼ 91.0%€5.8mabove the sector's middle half▲ 4,234%
Equity€7.7mwithin the sector's middle half▲ 85.8%€9.2mwithin the sector's middle half▲ 20.6%€10.7mwithin the sector's middle half▲ 16.0%€10.8mwithin the sector's middle half▲ 1.3%€16.5mwithin the sector's middle half▲ 52.3%
Total assets€18.8mwithin the sector's middle half▲ 15.9%€22.4mwithin the sector's middle half▲ 19.3%€29.3mwithin the sector's middle half▲ 30.5%€42.2mabove the sector's middle half▲ 44.2%€52.6mabove the sector's middle half▲ 24.8%
Debt€11.1m▼ 7.9%€13.2m▲ 18.5%€18.6m▲ 40.5%€31.4m▲ 69.0%€36.1m▲ 15.3%
Working capital-€3.3mbelow the sector's middle half▲ 48.0%-€2.6mbelow the sector's middle half▲ 19.9%-€4.6mbelow the sector's middle half▼ 74.9%-€5.0mbelow the sector's middle half▼ 7.1%€1.4mwithin the sector's middle half
Solvency40.7%within the sector's middle half▲ 15.3pp41.1%within the sector's middle half▲ 0.4pp36.6%within the sector's middle half▼ 4.5pp25.7%below the sector's middle half▼ 10.9pp31.4%below the sector's middle half▲ 5.7pp
Current ratio0.59within the sector's middle half▲ 0.320.72within the sector's middle half▲ 0.130.67within the sector's middle half▼ 0.050.65within the sector's middle half▼ 0.021.07within the sector's middle half▲ 0.42
Return on assets (ROA)18.8%above the sector's middle half▲ 16.2pp7.9%within the sector's middle half▼ 10.9pp5.1%within the sector's middle half▼ 2.9pp0.3%within the sector's middle half▼ 4.7pp11.0%above the sector's middle half▲ 10.7pp
Staff (FTE)9.5within the sector's middle half▲ 5.6%11.9above the sector's middle half▲ 25.3%12.5above the sector's middle half▲ 5.0%7.7within the sector's middle half▼ 38.4%6.2within the sector's middle half▼ 19.5%
above
within
below
the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 98% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52.6m
Fixed assets
€30.2m ▼ 9.1%
Current assets
€22.5m ▲ 150%
Equity and liabilities €52.6m
Equity
€16.5m ▲ 52.3%
Debt
€36.1m ▲ 15.3%
Debt's share of the balance-sheet total falls from 74.3% to 68.6%. Equity and debt are higher.
Key figures and ratios
ROE
35.1%▲
2024 · 1.2%
Debt ≤ 1 year
€21.1m▲
2024 · €14.0m
Debt > 1 year
€14.8m▼
2024 · €17.3m
Income taxes
€137,100▼
2024 · €217,068
Staff costs
€375,153▼
2024 · €471,982
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Operating income70/76A | €2.5m | €3.8m | €3.8m | €2.3m | €2.5m | ▲ 13.1% |
| Turnover70 | €2.2m | €3.5m | €3.5m | €2.2m | €2.5m | ▲ 12.7% |
| Other operating income74 | €291,608 | €302,345 | €291,963 | €31,198 | €42,665 | ▲ 36.8% |
| Operating charges60/66A | €1.5m | €1.3m | €1.6m | €1.5m | €993,821 | ▼ 32.4% |
| Services and other goods61 | €467,838 | €541,602 | €593,643 | €955,963 | €581,937 | ▼ 39.1% |
| Remuneration, social security and pensions62 | €593,909 | €768,242 | €998,155 | €471,982 | €375,153 | ▼ 20.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,541 | €11,201 | €25,075 | €41,098 | €35,547 | ▼ 13.5% |
| Other operating charges640/8 | €403,382 | €298 | €1,149 | €1,689 | €1,184 | ▼ 29.9% |
| Operating profit (loss)9901 | €1.0m | €2.5m | €2.2m | €783,809 | €1.6m | ▲ 98.4% |
| Financial income75/76B | €3.1m | €58,125 | €94,746 | €113,732 | €5.5m | ▲ 4,701% |
| Recurring financial income75 | €3.1m | €58,125 | €94,746 | €113,732 | €134,046 | ▲ 17.9% |
| Income from financial fixed assets750 | €3.1m | - | - | - | - | - |
| Income from current assets751 | €39,504 | €58,125 | €94,745 | €113,731 | €134,033 | ▲ 17.9% |
| Other financial income752/9 | €27 | €0 | €1 | €1 | €13 | ▲ 1,202% |
| Non-recurring financial income76B | €18,646 | - | - | - | €5.3m | - |
| Financial charges65/66B | €230,168 | €232,086 | €400,924 | €546,673 | €1.1m | ▲ 97.5% |
| Recurring financial charges65 | €230,168 | €232,086 | €400,924 | €546,673 | €1.0m | ▲ 88.2% |
| Debt charges650 | €225,900 | €226,390 | €394,695 | €526,550 | €1.0m | ▲ 94.1% |
| Other financial charges652/9 | €4,269 | €5,696 | €6,230 | €20,123 | €6,663 | ▼ 66.9% |
| Non-recurring financial charges66B | - | - | - | - | €51,228 | - |
| Profit (loss) for the period before taxes9903 | €3.9m | €2.3m | €1.9m | €350,867 | €5.9m | ▲ 1,592% |
| Income taxes67/77 | €371,328 | €525,012 | €425,621 | €217,068 | €137,100 | ▼ 36.8% |
| Taxes670/3 | €371,328 | €525,012 | €425,621 | €217,068 | €137,100 | ▼ 36.8% |
| Profit (loss) for the period9904 | €3.5m | €1.8m | €1.5m | €133,798 | €5.8m | ▲ 4,234% |
| Transfer to tax-exempt reserves689 | - | - | - | - | €168,400 | - |
| Profit (loss) for the period to be appropriated9905 | €3.5m | €1.8m | €1.5m | €133,798 | €5.6m | ▲ 4,108% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18.8m | €22.4m | €29.3m | €42.2m | €52.6m | ▲ 24.8% |
| Fixed assets21/28 | €14.1m | €15.7m | €20.0m | €33.2m | €30.2m | ▼ 9.1% |
| Tangible fixed assets22/27 | €1.7m | €1.7m | €1.8m | €1.8m | €1.7m | ▼ 2.0% |
| Land and buildings22 | €1.7m | €1.7m | €1.7m | €1.7m | €1.7m | = |
| Plant, machinery and equipment23 | - | - | €4,076 | €2,350 | €625 | ▼ 73.4% |
| Furniture and vehicles24 | €32,537 | €61,361 | €103,068 | €75,690 | €45,811 | ▼ 39.5% |
| Other tangible fixed assets26 | €10,985 | €9,225 | €32,320 | €27,998 | €23,676 | ▼ 15.4% |
| Financial fixed assets28 | €12.4m | €14.0m | €18.2m | €31.4m | €28.5m | ▼ 9.5% |
| Affiliated companies280/1 | €6.2m | €6.2m | €6.2m | €22.3m | €20.2m | ▼ 9.8% |
| Participating interests280 | €6.2m | €6.2m | €6.2m | €22.3m | €20.2m | ▼ 9.8% |
| Companies linked by participating interests282/3 | €6.1m | €6.1m | €6.5m | €5.5m | €3.9m | ▼ 30.2% |
| Participating interests282 | €6.1m | €6.1m | €6.5m | €5.5m | €3.9m | ▼ 30.2% |
| Other financial fixed assets284/8 | €67,654 | €1.7m | €5.5m | €3.6m | €4.4m | ▲ 24.7% |
| Shares284 | €67,654 | €1.7m | €5.5m | €3.6m | €4.4m | ▲ 24.7% |
| Current assets29/58 | €4.7m | €6.7m | €9.3m | €9.0m | €22.5m | ▲ 150% |
| Amounts receivable after more than one year29 | - | €170,041 | €408,500 | €287,500 | €287,500 | = |
| Other amounts receivable291 | - | €170,041 | €408,500 | €287,500 | €287,500 | = |
| Stocks and contracts in progress3 | - | - | - | - | €0 | - |
| Amounts receivable within one year40/41 | €4.7m | €6.4m | €8.8m | €8.7m | €22.2m | ▲ 155% |
| Trade receivables40 | €1.1m | €2.0m | €2.3m | €1.4m | €233,927 | ▼ 82.7% |
| Other amounts receivable41 | €3.6m | €4.3m | €6.6m | €7.3m | €21.9m | ▲ 199% |
| Cash at bank and in hand54/58 | €42,973 | €184,624 | €21,966 | €9,480 | €20,669 | ▲ 118% |
| Deferred charges and accrued income490/1 | €2,271 | €92 | €10,505 | €10,063 | €12,684 | ▲ 26.1% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18.8m | €22.4m | €29.3m | €42.2m | €52.6m | ▲ 24.8% |
| Equity10/15 | €7.7m | €9.2m | €10.7m | €10.8m | €16.5m | ▲ 52.3% |
| Contributions10/11 | €25,000 | €25,000 | €25,000 | €25,000 | €25,000 | = |
| Reserves13 | €1.6m | €1.6m | €1.6m | €1.6m | €1.8m | ▲ 10.3% |
| Non-distributable reserves130/1 | €47,500 | €47,500 | €47,500 | - | - | - |
| Reserves not available under the articles1311 | €47,500 | €47,500 | €47,500 | - | - | - |
| Tax-exempt reserves132 | €840,443 | €840,443 | €840,443 | €840,443 | €1.0m | ▲ 20.0% |
| Distributable reserves133 | €752,000 | €752,000 | €752,000 | €799,500 | €799,500 | = |
| Profit (loss) carried forward14 | €6.0m | €7.6m | €9.0m | €9.2m | €14.7m | ▲ 60.0% |
| Amounts payable17/49 | €11.1m | €13.2m | €18.6m | €31.4m | €36.1m | ▲ 15.3% |
| Amounts payable after more than one year17 | €3.1m | €3.8m | €4.6m | €17.3m | €14.8m | ▼ 14.3% |
| Financial debts170/4 | €3.1m | €3.8m | €4.6m | €17.3m | €14.8m | ▼ 14.3% |
| Subordinated loans170 | €1.0m | €1.0m | €1.0m | €3.2m | €3.2m | = |
| Credit institutions173 | €2.1m | €2.8m | €3.6m | €13.1m | €10.6m | ▼ 18.9% |
| Other loans174 | - | - | - | €1.0m | €1.0m | = |
| Amounts payable within one year42/48 | €8.0m | €9.3m | €13.9m | €14.0m | €21.1m | ▲ 50.9% |
| Current portion of amounts payable after more than one year42 | €446,950 | €532,204 | €773,955 | €2.5m | €2.5m | ▼ 0.8% |
| Financial debts43 | €42,812 | €231,483 | €2.4m | €220,070 | €62,545 | ▼ 71.6% |
| Credit institutions430/8 | €42,812 | €231,483 | €2.4m | €220,070 | €62,545 | ▼ 71.6% |
| Trade debts44 | €132,124 | €172,155 | €130,583 | €484,959 | €349,871 | ▼ 27.9% |
| Suppliers440/4 | €132,124 | €172,155 | €130,583 | €484,959 | €349,871 | ▼ 27.9% |
| Taxes, remuneration and social security45 | €452,566 | €457,769 | €615,301 | €188,409 | €313,189 | ▲ 66.2% |
| Taxes450/3 | €377,204 | €323,994 | €423,279 | €116,855 | €249,022 | ▲ 113% |
| Remuneration and social security454/9 | €75,362 | €133,775 | €192,021 | €71,554 | €64,168 | ▼ 10.3% |
| Other amounts payable47/48 | €6.9m | €8.0m | €9.9m | €10.6m | €17.9m | ▲ 69.0% |
| Accrued charges and deferred income492/3 | €60,080 | €60,403 | €60,303 | €96,822 | €254,345 | ▲ 163% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €3.5m | €1.8m | €1.5m | €133,798 | €5.8m | ▲ 4,234% |
| + Depreciation and write-downs630 | €8,541 | €11,201 | €25,075 | €41,098 | €35,547 | ▼ 13.5% |
| Operating cash flow (approximation) | €3.5m | €1.8m | €1.5m | €174,896 | €5.8m | ▲ 3,236% |
| Investment in fixed assets (approximation) | - | -€1.6m | -€4.3m | -€13.2m | €3.0m | ▲ 123% |
| Change in cash | - | €141,651 | -€162,657 | -€12,486 | €11,188 | ▲ 190% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-09
Financial
Highest result since 2018net €5.8m ▲4,234%
Net result €5.8m, the highest in the series.
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-09
Financial
Equity above €10mEq €10.7m ▲16%
4 profitable years in a row build equity to €10.7m.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-09
Financial
Equity above €5mEq €7.7m ▲85.8%
2 profitable years in a row build equity to €7.7m.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-09
Financial
Back to profitnet €421,864
Net result €421,864 after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-09
Financial
Weakest financial yearnet -€15,205
Net result drops to -€15,205, the lowest in the series; recovery starts the following year.
Show earlier events
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
8 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, Dilsen-Stokkem · 1 establishment unit since 2009
Ground area
2,091 m²
Building footprint
452 m²
Volume, LiDAR
2,718 m³
2 parcels, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
43
companies at this address
See who is registered here
1 establishment unit
Crescenos
since 20092.178.914.067
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B1037/00D003 | Flanders | 1,159 m² | 1 · 102 m² | 8.7 m · 2 fl. |
| 72032B1038/00A002 | Flanders | 932 m² | 1 · 350 m² | 10.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Owners and holdings
21 holdings · 5 subsidiaries in the treeOwners 0
The accounts to 30-09-2025 list no shareholders, and no other source names one.
Holdings 21
-
100%
-
100%
-
70.01%
-
50.01%
-
50%
-
50%
-
50%
-
50%
-
50%
-
50%
Show 11 more holdings
-
50%
-
50%
-
50%
-
49%
-
49%
-
25%
-
22.5%
-
12.5%
-
12.5%
-
12.49%
-
12%
All subsidiaries, including indirect ones 5
Companies in which this company or one of its subsidiaries holds more than half, or which it consolidates according to the LEI register.
- JOCRIS 100%
- RIFEKA 100%
CRELEM BAKERIES 70.01%1 subsidiary
- CUVA VOEDING HOUTHALEN 50.01%
According to the annual accounts to 30-09-2025 of CRESCENOS and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 10,809 EUR awarded · 8,269 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 987 EUR | 1,290 EUR |
| 2024 | 1 | 2,586 EUR | 2,283 EUR |
| 2023 | 1 | 1,919 EUR | 3,919 EUR |
| 2022 | 1 | 5,317 EUR | 777 EUR |
Recognitions · licences · registrations
Dual-learning approval
1 endedAdministratief medewerker (so)
Legal Entity Identifier
549300D4UFZQHC61XV26
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,799. 4,718 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded22-06-2009
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Contact
Phone
011/893808Dilsen-Stokkem
E-invoicing
Reachable via Peppol
Peppol ID
0208:0812719151
Also
9925:BE0812719151
Registered
17-10-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.