CREYAX
ActiveCREYAX has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €32k and a net result of €-23k. Equity is growing by ~20.4% per year across the filed fiscal years. Its solvency ranks better than 15% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
15
/ 100
Critical▼ -41 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-77
Solvency5▼-6
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.24 against 0.65 in 2024), and 92.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
7.3%
Return on assets
-5.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 7 filingsDeviation from the deadline
2025
27 d late
2024
15 d early
2023
8 d early
2022
7 d late
2021
58 d early
2020
36 d early
2019
29 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€32k▼ 42.5%
2024 · €55k
2019: €12k
2020: €25k
2021: €32k
2022: €51k
2023: €47k
2024: €55k
2019 → 2025
Total assets
€433k▼ 7.8%
2024 · €470k
2019: €47k
2020: €64k
2021: €69k
2022: €509k
2023: €510k
2024: €470k
2019 → 2025
Net result
€-23k
2024 · €8k
2019: €6k
2020: €20k
2021: €9k
2022: €19k
2023: €-5k
2024: €8k
2019 → 2025
Working capital
€-37k▼ 152%
2024 · €-15k
2019: €5k
2020: €18k
2021: €24k
2022: €22k
2023: €-2k
2024: €-15k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€51k▲ 59.4%€47k▼ 9.0%€55k▲ 18.2%€32k▼ 42.5%
Operating result€15k-€32k▲ 115%€10k▼ 67.9%€26k▲ 156%€-9k
Net result€9k-€19k▲ 105%€-5k€8k€-23k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €26k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€421k▼ 4.8%
Current assets
€12k▼ 56.1%
Equity and liabilities €433k
Equity
€32k▼ 42.5%
Debt
€402k▼ 3.2%
The debt ratio rises from 88.3% to 92.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€17k▼
2024 · €51k
Cash flow
€2k▼
2024 · €33k
Solvency
7.3%▼
2024 · 11.7%
Current ratio
0.24▼
2024 · 0.65
Quick ratio
0.24▼
2024 · 0.65
Debt / equity
12.65▲
2024 · 7.52
ROE
-73.9%▼
2024 · 15.4%
ROA
-5.4%▼
2024 · 1.8%
Interest coverage
2.08▼
2024 · 5.94
Debt
€402k▼
2024 · €415k
Debt ≤ 1 year
€49k▲
2024 · €42k
Debt > 1 year
€352k▼
2024 · €373k
Income taxes
€7k▼
2024 · €9k
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€470k€433k▼
Fixed assets21/28€443k€421k▼
Tangible fixed assets22/27€443k€421k▼
Plant, machinery and equipment23€1k€959▼
Furniture and vehicles24€15k€12k▼
Leasing and similar rights25€390k€373k▼
Other tangible fixed assets26€37k€36k▼
Current assets29/58€27k€12k▼
Amounts receivable within one year40/41€2k€3k▲
Trade receivables40€2k€3k▲
Cash at bank and in hand54/58€23k€9k▼
Deferred charges and accrued income490/1€2k€352▼
Equity and liabilities
Total equity and liabilities10/49€470k€433k▼
Equity10/15€55k€32k▼
Contributions10/11€6k€6k=
Reserves13€49k€49k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14-€-23k
Amounts payable17/49€415k€402k▼
Amounts payable after more than one year17€373k€352k▼
Financial debts170/4€373k€352k▼
Amounts payable within one year42/48€42k€49k▲
Current portion of amounts payable after more than one year42€22k€24k▲
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€19k€17k▼
Taxes450/3€19k€17k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€53k€19k▼
Operating profit (loss)9901€26k€-9k▼
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€18k€-17k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€8k€-23k▼
Profit (loss) for the period to be appropriated9905€8k€-23k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-23k▼
Profit (loss) brought forward from the previous period14P€-5k€0▲
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
The notes to these accounts (6 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-23k ▼376%
Net result drops to €-23k, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2019net €20k ▲266%
Net result €20k, the highest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bonheiden · 1 establishment unit since 2018
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.
Tramweg 182820 BonheidenGround area
2,140 m²
Building footprint
165 m²
Volume, LiDAR
1,075 m³
Parcel 12005D0302/00G002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tramweg 18, 2820 Bonheiden
since 20182.282.197.588
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12005D0302/00G002 | Flanders | 2,139 m² | 1 · 165 m² | 9.8 m · 2 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.
Similar companies · same sector, comparable size
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Amogma
BE 0761.361.611
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RM GROUP CONSULTING
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Nevado
BE 1026.222.980
Sint-Niklaas · Eq €32k
Ascendance Management
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 34,749 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-11-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.