CREYEL DIFFUSION
ActiveSummary
CREYEL DIFFUSION has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15,574 and a net result of -€10,636. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 64% of 8160 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency83▼-2
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.73 against 1.22 in 2024; short-term debt: 42.5% and cash: 18.6% of total assets), and 42.5% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
57.5%
Return on assets
-39.3%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10,636
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
3 d late
2024
6 d early
2023
16 d early
2022
33 d early
2021
31 d early
2020
53 d early
2019
32 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 24 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 39% of the sector filed late.
Checked, nothing found (2)
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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Equity
€15,574▼ 40.6%
2024 · €26,210
Total assets
€27,063▼ 38.5%
2024 · €44,027
Net result
-€10,636▲ 8.1%
2024 · -€11,578
Working capital
-€3,111
2024 · €3,925
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 46, Wholesale trade, 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
Operating result€7,365▲ 106%€2,385▼ 67.6%€3,898▲ 63.4%-€8,472-€8,293▲ 2.1%
Net result€2,996within the sector's middle half▲ 26.8%€337within the sector's middle half▼ 88.7%€67within the sector's middle half▼ 80.2%-€11,578below the sector's middle half-€10,636below the sector's middle half▲ 8.1%
Equity€37,384within the sector's middle half▲ 8.7%€37,721within the sector's middle half▲ 0.9%€37,788within the sector's middle half▲ 0.2%€26,210within the sector's middle half▼ 30.6%€15,574below the sector's middle half▼ 40.6%
Total assets€52,936below the sector's middle half▼ 11.5%€50,478below the sector's middle half▼ 4.6%€42,817below the sector's middle half▼ 15.2%€44,027below the sector's middle half▲ 2.8%€27,063below the sector's middle half▼ 38.5%
Debt€15,553▼ 38.9%€12,757▼ 18.0%€5,029▼ 60.6%€17,817▲ 254%€11,489▼ 35.5%
Working capital€4,299within the sector's middle half€8,236within the sector's middle half▲ 91.6%€11,903within the sector's middle half▲ 44.5%€3,925within the sector's middle half▼ 67.0%-€3,111below the sector's middle half
Solvency70.6%above the sector's middle half▲ 13.1pp74.7%above the sector's middle half▲ 4.1pp88.3%above the sector's middle half▲ 13.5pp59.5%within the sector's middle half▼ 28.7pp57.5%within the sector's middle half▼ 2.0pp
Current ratio1.28within the sector's middle half▲ 0.301.65within the sector's middle half▲ 0.373.37within the sector's middle half▲ 1.721.22within the sector's middle half▼ 2.150.73below the sector's middle half▼ 0.49
Return on assets (ROA)5.7%within the sector's middle half▲ 1.7pp0.7%within the sector's middle half▼ 5.0pp0.2%within the sector's middle half▼ 0.5pp-26.3%below the sector's middle half▼ 26.5pp-39.3%below the sector's middle half▼ 13.0pp
above
within
below
the middle half (P25 to P75) of NACE 46, Wholesale trade, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8,293 in 2025 against €8,472 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27,063
Fixed assets
€18,686 ▼ 16.2%
Current assets
€8,378 ▼ 61.5%
Equity and liabilities €27,063
Equity
€15,574 ▼ 40.6%
Debt
€11,489 ▼ 35.5%
Debt's share of the balance-sheet total rises from 40.5% to 42.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€4,693▲
2024 · -€4,872
Cash flow
-€7,036▲
2024 · -€7,978
Quick ratio
0.65▼
2024 · 1.17
Debt to equity
0.74▲
2024 · 0.68
ROE
-68.3%▼
2024 · -44.2%
Interest coverage
-31.29▼
2024 · -11.48
Debt ≤ 1 year
€11,489▼
2024 · €17,817
Income taxes
€2,193▼
2024 · €2,682
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,836 companies that looked in July 2024 the way this one looks now, 1.5% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.5%
went bankrupt
13%
stopped otherwise
84%
still going
A further 0.7% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,836 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €1,760 | - | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €3,600 | €3,600 | €3,600 | €3,600 | €3,600 | = |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €3,482 | - | €339 | €0 | - | - |
| Other operating charges640/8 | €1,250 | €1,724 | €1,656 | €1,700 | €1,746 | ▲ 2.7% |
| Non-recurring operating charges66A | - | €97 | - | - | - | - |
| Gross operating margin9900 | €15,697 | €7,806 | €9,493 | -€3,172 | -€2,948 | ▲ 7.1% |
| Operating profit (loss)9901 | €7,365 | €2,385 | €3,898 | -€8,472 | -€8,293 | ▲ 2.1% |
| Financial income75/76B | €0 | €741 | - | - | - | - |
| Recurring financial income75 | €0 | €741 | - | - | - | - |
| Financial charges65/66B | €1,375 | €821 | €306 | €425 | €150 | ▼ 64.7% |
| Recurring financial charges65 | €1,375 | €821 | €306 | €425 | €150 | ▼ 64.7% |
| Profit (loss) for the period before taxes9903 | €5,990 | €2,305 | €3,592 | -€8,896 | -€8,443 | ▲ 5.1% |
| Income taxes67/77 | €2,994 | €1,968 | €3,526 | €2,682 | €2,193 | ▼ 18.2% |
| Profit (loss) for the period9904 | €2,996 | €337 | €67 | -€11,578 | -€10,636 | ▲ 8.1% |
| Profit (loss) for the period to be appropriated9905 | €2,996 | €337 | €67 | -€11,578 | -€10,636 | ▲ 8.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €52,936 | €50,478 | €42,817 | €44,027 | €27,063 | ▼ 38.5% |
| Fixed assets21/28 | €33,084 | €29,485 | €25,885 | €22,285 | €18,686 | ▼ 16.2% |
| Tangible fixed assets22/27 | €33,084 | €29,485 | €25,885 | €22,285 | €18,686 | ▼ 16.2% |
| Land and buildings22 | €33,084 | €29,485 | €25,885 | €22,285 | €18,686 | ▼ 16.2% |
| Current assets29/58 | €19,852 | €20,993 | €16,932 | €21,742 | €8,378 | ▼ 61.5% |
| Stocks and contracts in progress3 | - | €854 | €854 | €854 | €854 | = |
| Stocks30/36 | - | €854 | €854 | €854 | €854 | = |
| Amounts receivable within one year40/41 | €18,514 | €11,316 | €1,760 | €14,671 | €2,497 | ▼ 83.0% |
| Trade receivables40 | €17,883 | €10,605 | €1,370 | €14,435 | €1,830 | ▼ 87.3% |
| Other amounts receivable41 | €631 | €711 | €390 | €236 | €668 | ▲ 183% |
| Cash at bank and in hand54/58 | €1,338 | €7,223 | €12,512 | €4,293 | €5,027 | ▲ 17.1% |
| Deferred charges and accrued income490/1 | - | €1,600 | €1,806 | €1,924 | €0 | ▼ 100% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €52,936 | €50,478 | €42,817 | €44,027 | €27,063 | ▼ 38.5% |
| Equity10/15 | €37,384 | €37,721 | €37,788 | €26,210 | €15,574 | ▼ 40.6% |
| Contributions10/11 | €62,000 | €62,000 | €62,000 | €62,000 | €62,000 | = |
| Capital10 | - | - | - | €62,000 | €62,000 | = |
| Issued capital100 | - | - | - | €62,000 | €62,000 | = |
| Outside capital11 | €62,000 | €62,000 | €62,000 | €0 | - | - |
| Other1109/19 | €62,000 | €62,000 | €62,000 | €0 | - | - |
| Profit (loss) carried forward14 | -€24,616 | -€24,279 | -€24,212 | -€35,790 | -€46,426 | ▼ 29.7% |
| Amounts payable17/49 | €15,553 | €12,757 | €5,029 | €17,817 | €11,489 | ▼ 35.5% |
| Amounts payable within one year42/48 | €15,553 | €12,757 | €5,029 | €17,817 | €11,489 | ▼ 35.5% |
| Trade debts44 | €1,502 | €5,076 | €1,762 | €12,091 | €761 | ▼ 93.7% |
| Suppliers440/4 | €1,502 | €5,076 | €1,762 | €12,091 | €761 | ▼ 93.7% |
| Taxes, remuneration and social security45 | - | €201 | €174 | €156 | €0 | ▼ 100% |
| Taxes450/3 | - | €201 | €174 | €156 | €0 | ▼ 100% |
| Other amounts payable47/48 | €14,051 | €7,480 | €3,093 | €5,571 | €10,728 | ▲ 92.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €2,996 | €337 | €67 | -€11,578 | -€10,636 | ▲ 8.1% |
| + Depreciation and write-downs630 | €3,600 | €3,600 | €3,600 | €3,600 | €3,600 | = |
| Operating cash flow (approximation) | €6,596 | €3,937 | €3,666 | -€7,978 | -€7,036 | ▲ 11.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | ▼ 100% |
| Change in cash | - | €5,885 | €5,290 | -€8,220 | €734 | ▲ 109% |
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet -€11,578
Net result drops to -€11,578, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 3.37
Current ratio from 1.65 to 3.37; short-term debt falls from €12,757 to €5,029.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €2,996 ▲26.8%
Operating result €7,365, net result €2,996, both a record.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €421
Net result €421 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Mons · 1 establishment unit since 2000
Ground area
1,800 m²
Building footprint
140 m²
Volume, LiDAR
1,037 m³
Parcel 53404B0066/00P002, Wallonia · tallest building 9.6 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CREYEL DIFFUSION
since 20002.072.676.204
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53404B0066/00P002 | Wallonia | 1,800 m² | 1 · 140 m² | 9.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 679 companies in sector 46494 we hold annual accounts for 532. 177 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPublic limited company
Founded20-02-1995
Fiscal year end31-12
Activities, NACEBEL 2025
46494Wholesale of non-electrical household articles
E-invoicing
Reachable via Peppol
Peppol ID
0208:0454621380
Also
9925:BE0454621380
Registered
18-12-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.