CRIBERCO
ActiveCRIBERCO has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €6k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 72% of 315 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▲+3
Solvency73▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity tight (current ratio 1.4 against 1.37 in 2024; short-term debt: 51.6% and cash: 35.3% of total assets), and 51.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← 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
48.4%
Return on assets
1.8%
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 20-08-2026, 20 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
20 d late
2024
26 d late
2023
8 d early
2022
25 d late
2021
52 d early
2020
7 d late
2019
45 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€174k▼ 8.3%
2024 · €190k
2018: €133k
2019: €140k
2020: €161k
2021: €188k
2022: €183k
2023: €190k
2024: €190k
2018 → 2025
Total assets
€360k▲ 0.7%
2024 · €357k
2018: €301k
2019: €282k
2020: €288k
2021: €366k
2022: €378k
2023: €352k
2024: €357k
2018 → 2025
Net result
€6k▼ 22.2%
2024 · €8k
2018: €985
2019: €7k
2020: €22k
2021: €28k
2022: €15k
2023: €9k
2024: €8k
2018 → 2025
Working capital
€74k▲ 21.7%
2024 · €61k
2018: €21k
2019: €46k
2020: €88k
2021: €79k
2022: €36k
2023: €53k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€183k▼ 2.7%€190k▲ 3.6%€190k▲ 0.1%€174k▼ 8.3%
Operating result€36k-€21k▼ 40.2%€17k▼ 19.8%€19k▲ 11.5%€16k▼ 16.0%
Net result€28k-€15k▼ 47.7%€9k▼ 38.5%€8k▼ 7.6%€6k▼ 22.2%
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 falls in 2025; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €360k
Fixed assets
€100k▼ 22.6%
Current assets
€260k▲ 13.9%
Equity and liabilities €360k
Equity
€174k▼ 8.3%
Debt
€186k▲ 11.0%
The debt ratio rises from 46.8% to 51.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€45k▼
2024 · €46k
Cash flow
€36k▲
2024 · €35k
Solvency
48.4%▼
2024 · 53.2%
Current ratio
1.40▲
2024 · 1.37
Quick ratio
0.70▲
2024 · 0.62
Debt / equity
1.07▲
2024 · 0.88
ROE
3.7%▼
2024 · 4.4%
ROA
1.8%▼
2024 · 2.3%
Interest coverage
4.45▲
2024 · 4.02
Debt
€186k▲
2024 · €167k
Debt ≤ 1 year
€186k▲
2024 · €167k
Income taxes
€920▼
2024 · €1k
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€357k€360k▲
Fixed assets21/28€129k€100k▼
Tangible fixed assets22/27€129k€100k▼
Land and buildings22€48k€44k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€59k€39k▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€228k€260k▲
Stocks and contracts in progress3€124k€129k▲
Stocks30/36€124k€129k▲
Amounts receivable within one year40/41€2k€120▼
Trade receivables40€2k€44▼
Other amounts receivable41€57€76▲
Cash at bank and in hand54/58€99k€127k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€357k€360k▲
Equity10/15€190k€174k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€87k€73k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€81k€66k▼
Profit (loss) carried forward14€41k€39k▼
Amounts payable17/49€167k€186k▲
Amounts payable within one year42/48€167k€186k▲
Financial debts43€138k€138k▼
Credit institutions430/8€1k€2k▲
Other loans439€137k€136k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€17k€12k▼
Taxes450/3€17k€12k▼
Other amounts payable47/48€7k€28k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€29k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€51k€48k▼
Operating profit (loss)9901€19k€16k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€9k€7k▼
Income taxes67/77€1k€920▼
Profit (loss) for the period9904€8k€6k▼
Profit (loss) for the period to be appropriated9905€8k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€51k€47k▼
Profit (loss) brought forward from the previous period14P€42k€41k▼
Transfer from equity791/2€7k€21k▲
Transfer to equity691/2€8k€6k▼
To other reserves6921€8k€6k▼
Profit to be distributed694/7€8k€22k▲
Return on contributions (dividend)694€8k€22k▲
The notes to these accounts (3 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €28k ▲28.6%
Operating result €36k, net result €28k, both a record.
07-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 7 days late
2020
31-12
Financial
Equity above €150kEq €161k ▲14.9%
3 profitable years in a row build equity to €161k.
14-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 45 days late
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-06
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.
Directors · office · real estate
Directors
4 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, Vielsalm · 2 establishment units since 1988
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.
Ville-du-Bois 1726690 VielsalmGround area
4,034 m²
Building footprint
219 m²
2 parcels, Wallonia. Linked by address, not a title deed.
2 establishment units
CRIBERCO
since 19882.040.504.470
La Demeure de Noémie
since 20162.250.133.744
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82032B1641/00E000 | Wallonia | 3,942 m² | 1 · 171 m² | - |
| 83034A0132/00D000 | Wallonia | 92 m² | 1 · 48 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
PARETO
BE 0677.928.149
Nijlen · Eq €174k
THL
BE 0826.793.059
Lasne · Eq €174k
MELIOR CAREERS
BE 0680.771.140
Antwerpen · Eq €174k
Esseci
BE 0787.832.812
Keerbergen · Eq €174k
ILYAS
BE 0888.122.793
Antwerpen · Eq €174k
Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-09-1988
Fiscal year end31-12
Activities, NACEBEL
74501
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.