CRIOLIS
ActiveSummary
The annual accounts of CRIOLIS for fiscal year 2025 show a net loss of 65% of the equity at the start of that year. The 2025 annual accounts show equity of €15k and a net result of €-29k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 17043 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
49
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability3▼-52
Solvency51▼-49
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.99 against 6.58 in 2024; short-term debt: 74.3% and cash: 25.1% of total assets), and 74.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
25.7%
Return on assets
-47.8%
Age of the figures
12 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 17043 sector peers (2025).
NBB · sector comparisonPosition among 17043 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
26 d late
2023
1 d early
2022
5 d early
2021
37 d early
2020
35 d early
2019
61 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-29k
2024 · €1k
2018: €-18k
2019: €12k
2020: €45
2021: €1k
2022: €952
2023: €11k
2024: €1k
2018 → 2025
Working capital
€-275
2024 · €29k
2018: €11k
2020: €28k
2021: €24k
2022: €22k
2023: €33k
2024: €29k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€32k▲ 3.1%€43k▲ 33.4%€44k▲ 3.3%€15k▼ 65.0%
Operating result€1k-€7k▲ 543%€17k▲ 127%€5k▼ 70.1%€10k▲ 93.5%
Net result€1k-€952▼ 5.8%€11k▲ 1,022%€1k▼ 86.7%€-29k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 93% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€16k ▲ 5.6%
Current assets
€44k ▲ 28.6%
Equity and liabilities €60k
Equity
€15k ▼ 65.0%
Debt
€45k ▲ 752%
Debt's share of the balance-sheet total rises from 10.6% to 74.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€13k▲
2024 · €7k
Cash flow
€-25k▼
2024 · €4k
Current ratio
0.99▼
2024 · 6.58
Debt to equity
2.88▲
2024 · 0.12
ROE
-185.5%▼
2024 · 3.2%
ROA
-47.8%▼
2024 · 2.9%
Interest coverage
0.35▼
2024 · 3.90
Debt ≤ 1 year
€45k▲
2024 · €5k
Income taxes
€1k▼
2024 · €2k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€49k€60k▲
Fixed assets21/28€15k€16k▲
Tangible fixed assets22/27€15k€16k▲
Plant, machinery and equipment23€161€65▼
Furniture and vehicles24€7k€7k▲
Other tangible fixed assets26€8k€9k▲
Current assets29/58€34k€44k▲
Amounts receivable within one year40/41€17k€29k▲
Trade receivables40€14k€29k▲
Other amounts receivable41€3k€134▼
Cash at bank and in hand54/58€16k€15k▼
Deferred charges and accrued income490/1€1k€506▼
Equity and liabilities
Total equity and liabilities10/49€49k€60k▲
Equity10/15€44k€15k▼
Contributions10/11€12k€12k=
Reserves13€33k€33k=
Non-distributable reserves130/1€2k€2k=
Other1319€2k€2k=
Tax-exempt reserves132€20k€20k=
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€-822€-29k▼
Amounts payable17/49€5k€45k▲
Amounts payable within one year42/48€5k€45k▲
Trade debts44€3k€257▼
Suppliers440/4€3k€257▼
Taxes, remuneration and social security45€2k€5k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€380€39k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€4k€2k▼
Gross operating margin9900€11k€15k▲
Operating profit (loss)9901€5k€10k▲
Financial income75/76B€58-
Recurring financial income75€58-
Financial charges65/66B€2k€37k▲
Recurring financial charges65€2k€37k▲
Profit (loss) for the period before taxes9903€3k€-27k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€1k€-29k▼
Profit (loss) for the period to be appropriated9905€1k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-822€-29k▼
Profit (loss) brought forward from the previous period14P€-2k€-822▲
The notes to these accounts (7 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €-29k ▼2112%
Net result drops to €-29k, the lowest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 61 days late
2019
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
28-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-04
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Montigny-le-Tilleul · 1 establishment unit since 2009
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.
Rue des Fougères 926110 Montigny-le-TilleulGround area
782 m²
Building footprint
259 m²
Volume, LiDAR
1,399 m³
2 parcels, Wallonia · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Jules Bordet 7, 6032 Charleroi
since 20092.177.655.344
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52048D0061/00K051 | Wallonia | 610 m² | 1 · 178 m² | 4.5 m · 1 fl. |
| 52050A0181/00G016 | Wallonia | 172 m² | 1 · 81 m² | 12.2 m · 3 fl. |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900UCIHA22439PR88
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 11,832 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2009
Fiscal year end30-09
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
46190Agents in non-specialised wholesale trade
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.