Skip to content

Crescere & Credere

Active
Public limited companyfounded 2009active for 17 yearsHeivelden 43, 2861 Sint-Katelijne-Waver, BelgiumKBO/BCE: BE 0812.065.291
Summary

Crescere & Credere has been active since 2009 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.8m and a net result of €34.6m. Equity is growing by about 13% per year across the filed financial years. Its solvency ranks better than 95% of 2,746 sector peers (NACE 82, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Overview

Activity
Other business support services
NACE 82990
7th largest company by equity in Sint-Katelijne-Waver, Administrative and support services sector1 site
Size
€1.8mtotal assets 2025
Equity
€1.8m
Profit
€34.6m
Turnover not published (abbreviated format)
Financial health
94 Excellent Checked score 2025
Bankruptcy probabilitywithin 12 months
0.1%
Structure
Largest shareholder
ELKAR HANDLING · 20%
Accounts filed 3 days late1 of 6 deeds read
Why 94raises risk1 change of registered office in 24 monthsLiquidity: current ratio 31.62, cash €30,929lowers riskFigures for financial year 2025 (filed 03-05-2026)Size: total assets €1.8mShow the evidence

Checked score

Score 2025
94 / 100
Excellent
Probability in this band: under 0.55%
Financially better than 73% of its sector peers (NACE 82, micro)
Financial strength · tick = 2023
Strong
Solvency 100+29
equity 96.8% of total assets
Liquidity 52+30
short-term debt 3.2% · cash 1.7%
Profitability 100+25
return on assets 1878.0%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.2% (12,627 companies, NACE 82, micro)
Last 24 months 11-2024: 0.2% 12-2024: 0.2%● unchanged vs 11-2024 01-2025: 0.2%● unchanged vs 12-2024 02-2025: 0.2%● unchanged vs 01-2025 03-2025: 0.6%▲ +0.4 percentage points vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.7%▲ +0.1 percentage points vs 04-2025 06-2025: 0.7%● unchanged vs 05-2025 07-2025: 0.8%▲ +0.1 percentage points vs 06-2025 08-2025: 1.2%▲ +0.4 percentage points vs 07-2025 09-2025: 1.6%▲ +0.4 percentage points vs 08-2025 10-2025: 2.5%▲ +0.9 percentage points vs 09-2025 11-2025: 2.7%▲ +0.2 percentage points vs 10-2025 12-2025: 3.1%▲ +0.4 percentage points vs 11-2025 01-2026: 3.8%▲ +0.7 percentage points vs 12-2025 02-2026: 3.8%● unchanged vs 01-2026 03-2026: 3.8%● unchanged vs 02-2026highest value 04-2026: 3.6%▼ -0.2 percentage points vs 03-2026 05-2026: 3.6%● unchanged vs 04-2026 06-2026: 0.1%▼ -3.5 percentage points vs 05-2026 07-2026: 0.1%● unchanged vs 06-2026 08-2026: 0.1%● unchanged vs 07-2026 09-2026: 0.1%● unchanged vs 08-2026 10-2026: 0.1%● unchanged vs 09-2026lowest value
Credit of up to €160,000 on 30-day terms is acceptable
Liquidity ample (current ratio 31.62, compared with 0.41 in 2023, above the usual 1.5; short-term debt: 3.2% and cash: 1.7% of total assets), and 3.2% of the assets are financed with debt and provisions.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 82, micro): better than 88% on solvency, 44% on liquidity and 87% on profitability.

The bankruptcy probability was computed on 13-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

Five signals.
lowers riskraises riskneutral
raises risk · 1 change of registered office in 24 months
Belgian Official Gazette
lowers risk · Figures for financial year 2025 (filed 03-05-2026)
NBB · annual accounts
lowers risk · Size: total assets €1.8m
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
raises risk · Liquidity: current ratio 31.62, cash €30,929
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 03-05-2026, 3 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filings
Deviation from the deadline
2025
3 days late
2023
22 days early
2022
37 days early
2021
42 days early
2020
23 days early
2019
8 days late
2018
1 day 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 16 days before the deadline; the sector median (NACE 82) for financial year 2023 is 5 days before the deadline, and 37% of those companies filed late.

Searched, nothing found (1)
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Heivelden 43 2861 O.L.V.-Waver (Sint-Katelijne-Waver)Name clause · Correction
  2. Annual accounts filedfinancial year 2025 · abbreviated…
  3. Highest result from 2018 to 2025net €34.6m ▲7,381%

Key points

  • Positive: Among the best 5% on solvencysector median 41.4% · 2,746 companies 96.8% View
  • Total assets 20256 financial years filed €1.8m View
  • Active since 2009founded 02-06-2009 17 years View

By topic

Financials

Financial year
2025
Total assets
€1.8m
Profit
€34.6m
Solvency
96.8%
Total assets▼ 40.1%
Net result
20182025
Go to Financials

Timeline

Events
21
Since
2012
  1. 30-09-2025Liquidity more than 77 times
  2. 09-07-2024Annual accounts filed
  3. 24-06-2023Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Public limited company
Activity
Other business support servicesNACE 82990
Founded
02-06-2009
Year ends
30-09
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.