CREVA
ActiveCREVA has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €203k and a net result of €90k. Equity is growing by ~54.3% per year across the filed fiscal years. Its solvency ranks better than 62% of 1520 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency75▲+18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.37 in 2024), and 55.9% 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.
−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 10
Relative position
BE, all sectors
reference
Sector 10
higher
← fewer bankruptcies
more bankruptcies →
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
44.1%
Return on assets
19.5%
Age of the figures
14 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
19 d early
2023
28 d early
2022
8 d early
2021
48 d early
2020
19 d early
2019
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 71.4%
2024 · €119k
2019: €-94k
2020: €-72k
2021: €46k
2022: €73k
2023: €80k
2024: €119k
2019 → 2025
Total assets
€461k▲ 20.7%
2024 · €382k
2019: €127k
2020: €341k
2021: €341k
2022: €322k
2023: €331k
2024: €382k
2019 → 2025
Net result
€90k▲ 105%
2024 · €44k
2019: €22k
2020: €34k
2021: €85k
2022: €27k
2023: €9k
2024: €44k
2019 → 2025
Working capital
€60k▲ 15.1%
2024 · €52k
2019: €-110k
2020: €-75k
2021: €-75k
2022: €12k
2023: €11k
2024: €52k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€46k-€73k▲ 57.4%€80k▲ 9.4%€119k▲ 48.1%€203k▲ 71.4%
Operating result€107k-€42k▼ 61.0%€14k▼ 66.1%€60k▲ 326%€111k▲ 84.3%
Net result€85k-€27k▼ 68.6%€9k▼ 65.7%€44k▲ 378%€90k▲ 105%
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 84% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €461k
Fixed assets
€252k▲ 34.8%
Current assets
€209k▲ 7.1%
Equity and liabilities €461k
Equity
€203k▲ 71.4%
Debt
€258k▼ 2.1%
The debt ratio falls from 69.0% to 55.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€127k▲
2024 · €66k
Cash flow
€106k▲
2024 · €49k
Solvency
44.1%▲
2024 · 31.0%
Current ratio
1.40▲
2024 · 1.37
Quick ratio
1.40▲
2024 · 1.37
Debt / equity
1.27▼
2024 · 2.22
ROE
44.3%▲
2024 · 36.9%
ROA
19.5%▲
2024 · 11.5%
Interest coverage
59.18▲
2024 · 28.57
Debt
€258k▼
2024 · €263k
Debt ≤ 1 year
€149k▲
2024 · €142k
Debt > 1 year
€107k▼
2024 · €114k
Income taxes
€21k▲
2024 · €15k
Staff costs
€26k▲
2024 · €25k
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€382k€461k▲
Fixed assets21/28€187k€252k▲
Tangible fixed assets22/27€187k€252k▲
Land and buildings22€179k€226k▲
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€2k€23k▲
Other tangible fixed assets26€2k€0▼
Financial fixed assets28€294€294=
Current assets29/58€195k€209k▲
Stocks and contracts in progress3€183€183=
Stocks30/36€183€183=
Amounts receivable within one year40/41€48k€73k▲
Trade receivables40€11k€16k▲
Other amounts receivable41€37k€57k▲
Cash at bank and in hand54/58€145k€132k▼
Deferred charges and accrued income490/1€779€3k▲
Equity and liabilities
Total equity and liabilities10/49€382k€461k▲
Equity10/15€119k€203k▲
Contributions10/11€8k€8k=
Reserves13€110k€110k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€110k€110k=
Profit (loss) carried forward14€0€85k▲
Amounts payable17/49€263k€258k▼
Amounts payable after more than one year17€114k€107k▼
Financial debts170/4€114k€107k▼
Amounts payable within one year42/48€142k€149k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€44k€55k▲
Suppliers440/4€44k€55k▲
Taxes, remuneration and social security45€15k€8k▼
Taxes450/3€8k€0▼
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48€77k€79k▲
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€25k€26k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€16k▲
Other operating charges640/8€2k€803▼
Non-recurring operating charges66A€0-
Gross operating margin9900€93k€154k▲
Operating profit (loss)9901€60k€111k▲
Financial income75/76B€570€2k▲
Recurring financial income75€570€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€58k€111k▲
Income taxes67/77€15k€21k▲
Profit (loss) for the period9904€44k€90k▲
Profit (loss) for the period to be appropriated9905€44k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€90k▲
Transfer to equity691/2€38k€0▼
To other reserves6921€38k€0▼
Profit to be distributed694/7€5k€5k▲
Return on contributions (dividend)694€800€833▲
Directors or managers695€5k€5k=
The notes to these accounts (13 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €90k ▲105%
Operating result €111k, net result €90k, both a record.
30-06
Financial
Equity above €200kEq €203k ▲71.4%
7 profitable years in a row build equity to €203k.
12-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €100kEq €119k ▲48.1%
6 profitable years in a row build equity to €119k.
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €9k ▼65.7%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
14-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB 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, Zutendaal · 1 establishment unit since 2016
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.
Kempenseweg 1033690 ZutendaalGround area
1,051 m²
Building footprint
78 m²
Volume, LiDAR
462 m³
Parcel 71067B0316/00B002, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREVA
since 20162.256.184.960
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71067B0316/00B002indicative | Flanders | 1,051 m² | 1 · 78 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
1 siteZutendaal2.256.184.960
Similar companies · same sector, comparable size
Coenen J. Bakkerij
BE 0887.885.441
Lummen · Eq €200k
M.A.SH
BE 0782.635.095
Vilvoorde · Eq €200k
HIMSCHOOT
BE 0715.402.120
Gent · Eq €199k
SIEDE
BE 0668.361.276
Oostkamp · Eq €210k
LA BAGUETTE CROQUANTE BXL
BE 0673.810.005
Brussel · Eq €213k
Of 506 companies in sector 10711 we hold annual accounts for 325. 229 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2013
Fiscal year end30-06
Activities, NACEBEL
10711Manufacture of food products
47241Retail sale of bread and pastry (bakery outlets)
10720Manufacture of food products
46360Wholesale trade
47279Other retail sale of food
47299Retail trade
56102Limited-service restaurants
56112Limited-service restaurants, excluding mobile food services
77223Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.