CREST BELGIUM
ActiveCREST BELGIUM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €4k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 70% of 18173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability50▲+8
Solvency83▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.47 against 2.49 in 2024; short-term debt: 40.1% and cash: 29.1% of total assets), and 41.8% 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.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
58.2%
Return on assets
6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
29 d late
2022
30 d late
2021
30 d late
2020
13 d late
2019
55 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 11.5%
2024 · €31k
2018: €10k
2019: €7k
2020: €12k
2021: €19k
2022: €26k
2023: €29k
2024: €31k
2018 → 2025
Total assets
€60k▲ 16.8%
2024 · €51k
2018: €31k
2019: €19k
2020: €23k
2021: €39k
2022: €51k
2023: €66k
2024: €51k
2018 → 2025
Net result
€4k▲ 37.8%
2024 · €3k
2018: €320
2019: €-3k
2020: €5k
2021: €7k
2022: €7k
2023: €3k
2024: €3k
2018 → 2025
Working capital
€35k▲ 18.1%
2024 · €30k
2018: €10k
2019: €6k
2020: €10k
2021: €15k
2022: €23k
2023: €26k
2024: €30k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€26k▲ 37.8%€29k▲ 10.2%€31k▲ 9.1%€35k▲ 11.5%
Operating result€11k-€10k▼ 1.9%€4k▼ 59.1%€7k▲ 68.1%€7k▲ 0.6%
Net result€7k-€7k▲ 2.5%€3k▼ 62.7%€3k▼ 1.8%€4k▲ 37.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€688▼ 53.6%
Current assets
€59k▲ 18.9%
Equity and liabilities €60k
Equity
€35k▲ 11.5%
Debt
€25k▲ 25.0%
The debt ratio rises from 39.0% to 41.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€8k▲
2024 · €8k
Cash flow
€4k▲
2024 · €3k
Solvency
58.2%▼
2024 · 61.0%
Current ratio
2.47▼
2024 · 2.49
Quick ratio
1.96▲
2024 · 1.84
Debt / equity
0.72▲
2024 · 0.64
ROE
10.3%▲
2024 · 8.3%
ROA
6.0%▲
2024 · 5.1%
Interest coverage
2.80▲
2024 · 2.01
Debt
€25k▲
2024 · €20k
Debt ≤ 1 year
€24k▲
2024 · €20k
Income taxes
€2k▲
2024 · €1k
Staff costs
€2k▼
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€51k€60k▲
Fixed assets21/28€1k€688▼
Tangible fixed assets22/27€1k€338▼
Plant, machinery and equipment23€1k€338▼
Financial fixed assets28€350€350=
Current assets29/58€50k€59k▲
Stocks and contracts in progress3€13k€12k▼
Stocks30/36€13k€12k▼
Amounts receivable within one year40/41€24k€29k▲
Trade receivables40€637€430▼
Other amounts receivable41€23k€29k▲
Cash at bank and in hand54/58€13k€17k▲
Equity and liabilities
Total equity and liabilities10/49€51k€60k▲
Equity10/15€31k€35k▲
Contributions10/11€6k€6k=
Reserves13€25k€28k▲
Non-distributable reserves130/1€135€135=
Reserves not available under the articles1311€135€135=
Distributable reserves133€25k€28k▲
Profit (loss) carried forward14€38€38=
Amounts payable17/49€20k€25k▲
Amounts payable within one year42/48€20k€24k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€12k€17k▲
Taxes450/3€3k€3k▲
Remuneration and social security454/9€9k€13k▲
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Remuneration, social security and pensions62€7k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€816€795▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€19k€14k▼
Operating profit (loss)9901€7k€7k▲
Financial income75/76B€802€913▲
Recurring financial income75€802€913▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€4k€5k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€3k€4k▲
Profit (loss) for the period to be appropriated9905€3k€4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€4k▲
Profit (loss) brought forward from the previous period14P€38€38=
Transfer to equity691/2€3k€4k▲
To other reserves6921€3k€4k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €7k ▲2.5%
Net result €7k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 55 days late
2019
31-12
Financial
Weakest financial yearnet €-3k ▼1145%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 16 days late
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 16 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
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.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2004
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.
Belgiëlei 622018 AntwerpenGround area
118 m²
Building footprint
94 m²
Volume, LiDAR
2,386 m³
Parcel 11806F1233/00H008, Flanders · tallest building 30.3 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
CREST BELGIUM BVBA
since 20042.136.876.346
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1233/00H008 | Flanders | 118 m² | 1 · 94 m² | 30.2 m · 9 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,000 EUR awarded · 2,000 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
Schemes
Hinderpremie bij openbare werken
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.136.876.346
Similar companies · same sector, comparable size
MARIUM BUSINESS
BE 0666.570.439
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N&N Group
BE 0797.611.006
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PALLO SONY
BE 0664.761.784
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MARKHOR
BE 0741.771.866
Vorst · Eq €35k
CASA SILVA
BE 0480.021.524
Elsene · Eq €35k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded07-04-2004
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
52112
61100Wired, wireless and satellite telecommunications
61200Telecommunications
64200Holdings
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.