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CRISAZ

Active Risk: not assessed
Private limited company (pre-2019)founded 200619 yrs activeRue de Corsal 106, 1450 Chastre, BelgiumKBO/BCE: BE 0885.837.850
Summary

CRISAZ is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €561,471 and a net result of €32,640. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 80% of 9871 sector peers (fiscal year 2024). The company has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals.

Checked score

Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals

1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-09-2025, 56 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 filings
Deviation from the deadline
2025
not confirmed
2024
56 d late
2023
58 d late
2022
58 d late
2021
110 d late
2020
61 d late
2019
110 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 76 days after the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 21 December 2006, CRISAZ was incorporated.1 Total assets went from EUR 614,784 in 2019 to EUR 675,332 in 2024 and headcount from 0.8 to 0.1 full-time equivalents.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€561,471▲ 6.2%
2023 · €528,831
Net result
€32,640▼ 0.3%
2023 · €32,749
Total assets
€675,332▲ 3.6%
2023 · €651,881
Solvency
83.1%▲ 2.0pp
2023 · 81.1%
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, 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
Line20202021202220232024
Operating result€8,010▼ 83.5%€84,630▲ 957%€73,845▼ 12.7%€72,287▼ 2.1%€58,649▼ 18.9%
Net result€6,547within the sector's middle half▼ 85.5%€83,223above the sector's middle half▲ 1,171%€23,414within the sector's middle half▼ 71.9%€32,749within the sector's middle half▲ 39.9%€32,640within the sector's middle half▼ 0.3%
Equity€479,444above the sector's middle half▲ 1.4%€512,667above the sector's middle half▲ 6.9%€516,082above the sector's middle half▲ 0.7%€528,831above the sector's middle half▲ 2.5%€561,471above the sector's middle half▲ 6.2%
Total assets€600,857within the sector's middle half▼ 2.3%€643,637within the sector's middle half▲ 7.1%€676,221within the sector's middle half▲ 5.1%€651,881within the sector's middle half▼ 3.6%€675,332within the sector's middle half▲ 3.6%
Debt€121,413▼ 14.4%€130,970▲ 7.9%€160,139▲ 22.3%€123,050▼ 23.2%€113,861▼ 7.5%
Working capital€10,170within the sector's middle half€46,204within the sector's middle half▲ 354%€46,515within the sector's middle half▲ 0.7%€56,382within the sector's middle half▲ 21.2%€88,348within the sector's middle half▲ 56.7%
Solvency79.8%above the sector's middle half▲ 2.9pp79.7%above the sector's middle half▼ 0.1pp76.3%within the sector's middle half▼ 3.3pp81.1%above the sector's middle half▲ 4.8pp83.1%above the sector's middle half▲ 2.0pp
Current ratio1.08within the sector's middle half▲ 0.091.35within the sector's middle half▲ 0.271.29within the sector's middle half▼ 0.061.46within the sector's middle half▲ 0.171.78within the sector's middle half▲ 0.32
Return on assets (ROA)1.1%within the sector's middle half▼ 6.2pp12.9%within the sector's middle half▲ 11.8pp3.5%within the sector's middle half▼ 9.5pp5.0%within the sector's middle half▲ 1.6pp4.8%within the sector's middle half▼ 0.2pp
Staff (FTE)0.8within the sector's middle half=1.1▲ 37.5%0.5▼ 54.5%0.1▼ 80.0%0.1=
above within below the middle half (P25 to P75) of NACE 64, Financial service activities, except insurance and pension funding, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€25,000€50,000€75,000Operating result 2020: €8,010€8,010Net result 2020: €6,547€6,547Operating result 2021: €84,630€84,630Net result 2021: €83,223€83,223Operating result 2022: €73,845€73,845Net result 2022: €23,414€23,414Operating result 2023: €72,287€72,287Net result 2023: €32,749€32,749Operating result 2024: €58,649€58,649Net result 2024: €32,640€32,64020202021202220232024€0€20,000€40,000€60,000€80,000Operating result 2022: €73,845€73,800Net result 2022: €23,414€23,400Operating result 2023: €72,287€72,300Net result 2023: €32,749€32,700Operating result 2024: €58,649€58,600Net result 2024: €32,640€32,600202220232024
The operating result has fallen three years in a row; 2024 is 19% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €675,332
Fixed assets €473,123 ▲ 0.1%
Current assets €202,209 ▲ 12.7%
Equity and liabilities €675,332
Equity €561,471 ▲ 6.2%
Debt €113,861 ▼ 7.5%
Debt's share of the balance-sheet total falls from 18.9% to 16.9%. Equity is higher and debt is lower.
Key figures and ratios
2024 value · change against 2023
ROE
5.8%▼
2023 · 6.2%
Debt ≤ 1 year
€113,861▼
2023 · €123,050
Income taxes
€19,289▼
2023 · €30,521
Staff costs
€10,105▲
2023 · €8,658
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 43 lines
Balance sheet Code20232024
Assets
Total assets20/58€651,881€675,332▲
Fixed assets21/28€472,449€473,123▲
Tangible fixed assets22/27€1,821€496▼
Furniture and vehicles24€1,821€496▼
Financial fixed assets28€470,628€472,628▲
Current assets29/58€179,432€202,209▲
Amounts receivable within one year40/41€154,796€156,316▲
Trade receivables40€55,302€50,796▼
Other amounts receivable41€99,494€105,520▲
Cash at bank and in hand54/58€23,102€44,518▲
Deferred charges and accrued income490/1€1,534€1,375▼
Equity and liabilities
Total equity and liabilities10/49€651,881€675,332▲
Equity10/15€528,831€561,471▲
Contributions10/11€330,000€330,000=
Reserves13€3,000€3,000=
Non-distributable reserves130/1€3,000€3,000=
Reserves not available under the articles1311€3,000€3,000=
Profit (loss) carried forward14€195,831€228,471▲
Amounts payable17/49€123,050€113,861▼
Amounts payable within one year42/48€123,050€113,861▼
Trade debts44€2,416€2,743▲
Suppliers440/4€2,416€2,743▲
Taxes, remuneration and social security45€65,278€79,209▲
Taxes450/3€64,871€78,278▲
Remuneration and social security454/9€407€931▲
Other amounts payable47/48€55,356€31,909▼
Income statement Code20232024
Remuneration, social security and pensions62€8,658€10,105▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1,368€1,325▼
Other operating charges640/8€4,024€1,989▼
Gross operating margin9900€86,337€72,068▼
Operating profit (loss)9901€72,287€58,649▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€9,017€6,719▼
Recurring financial charges65€9,017€6,719▼
Profit (loss) for the period before taxes9903€63,270€51,930▼
Income taxes67/77€30,521€19,289▼
Profit (loss) for the period9904€32,749€32,640▼
Profit (loss) for the period to be appropriated9905€32,749€32,640▼
Appropriation of the result
Profit (loss) to be appropriated9906€215,831€228,471▲
Profit (loss) brought forward from the previous period14P€183,082€195,831▲
Profit to be distributed694/7€20,000-
Return on contributions (dividend)694€20,000-

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Remuneration, social security and pensions62-€24,725€22,599€8,658€10,105▲ 16.7%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4,427€2,811€873€1,368€1,325▼ 3.2%
Other operating charges640/8-€595€1,218€4,024€1,989▼ 50.6%
Gross operating margin9900€16,576€112,761€98,536€86,337€72,068▼ 16.5%
Operating profit (loss)9901€8,010€84,630€73,845€72,287€58,649▼ 18.9%
Financial income75/76B---€0--
Recurring financial income75---€0--
Financial charges65/66B-€1,407€5,356€9,017€6,719▼ 25.5%
Recurring financial charges65€1,463€1,407€5,356€9,017€6,719▼ 25.5%
Profit (loss) for the period before taxes9903€6,547€83,223€68,489€63,270€51,930▼ 17.9%
Income taxes67/77--€45,075€30,521€19,289▼ 36.8%
Profit (loss) for the period9904€6,547€83,223€23,414€32,749€32,640▼ 0.3%
Profit (loss) for the period to be appropriated9905€6,547€83,223€23,414€32,749€32,640▼ 0.3%
Line20202021202220232024Change
Assets
Total assets20/58€600,857€643,637€676,221€651,881€675,332▲ 3.6%
Fixed assets21/28€469,274€466,464€469,567€472,449€473,123▲ 0.1%
Tangible fixed assets22/27€2,897€86€3,189€1,821€496▼ 72.8%
Furniture and vehicles24-€86€3,189€1,821€496▼ 72.8%
Financial fixed assets28€466,378€466,378€466,378€470,628€472,628▲ 0.4%
Current assets29/58€131,583€177,173€206,654€179,432€202,209▲ 12.7%
Amounts receivable within one year40/41€126,740€130,736€204,403€154,796€156,316▲ 1.0%
Trade receivables40-€14,320€117,439€55,302€50,796▼ 8.1%
Other amounts receivable41-€116,416€86,963€99,494€105,520▲ 6.1%
Cash at bank and in hand54/58€3,973€44,728€1,019€23,102€44,518▲ 92.7%
Deferred charges and accrued income490/1-€1,710€1,232€1,534€1,375▼ 10.4%
Equity and liabilities
Total equity and liabilities10/49€600,857€643,637€676,221€651,881€675,332▲ 3.6%
Equity10/15€479,444€512,667€516,082€528,831€561,471▲ 6.2%
Contributions10/11-€330,000€330,000€330,000€330,000=
Reserves13€3,000€3,000€3,000€3,000€3,000=
Non-distributable reserves130/1-€3,000€3,000€3,000€3,000=
Reserves not available under the articles1311-€3,000€3,000€3,000€3,000=
Profit (loss) carried forward14€146,444€179,667€183,082€195,831€228,471▲ 16.7%
Amounts payable17/49€121,413€130,970€160,139€123,050€113,861▼ 7.5%
Amounts payable within one year42/48€121,413€130,970€160,139€123,050€113,861▼ 7.5%
Trade debts44€2,369€5,311€6,837€2,416€2,743▲ 13.6%
Suppliers440/4-€5,311€6,837€2,416€2,743▲ 13.6%
Taxes, remuneration and social security45-€29,832€89,057€65,278€79,209▲ 21.3%
Taxes450/3-€24,198€80,128€64,871€78,278▲ 20.7%
Remuneration and social security454/9-€5,634€8,929€407€931▲ 129%
Other amounts payable47/48-€95,826€64,245€55,356€31,909▼ 42.4%
Line20202021202220232024Change
Profit (loss) for the period9904€6,547€83,223€23,414€32,749€32,640▼ 0.3%
+ Depreciation and write-downs630€4,427€2,811€873€1,368€1,325▼ 3.2%
Operating cash flow (approximation)€10,974€86,034€24,287€34,117€33,966▼ 0.4%
Investment in fixed assets (approximation)-€0-€3,976-€4,250-€2,000▲ 52.9%
Change in cash-€40,754-€43,709€22,083€21,416▼ 3.0%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
25-09
NBB filing Annual accounts filed
fiscal year 2024 · micro schema · 56 days late
2024
27-09
NBB filing Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
27-09
NBB filing Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
18-11
NBB filing Annual accounts filed
fiscal year 2021 · micro schema · 110 days late
2021
31-12
Financial Highest result since 2019net €83,223 ▲1,171%
Operating result €84,630, net result €83,223, both a record.
31-12
Financial Equity above €500,000Eq €512,667 ▲6.9%
3 profitable years in a row build equity to €512,667.
30-09
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial Weakest financial yearnet €6,547 ▼85.5%
Net result drops to €6,547, the lowest in the series; recovery starts the following year.
18-11
NBB filing Annual accounts filed
fiscal year 2019 · micro schema · 110 days late
2019
11-01
NBB filing Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing Annual accounts filed
fiscal year 2017 · micro schema
2017
03-01
NBB filing Annual accounts filed
fiscal year 2016 · full schema
2016
15-01
NBB filing Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts

We know of 5 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
5 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, Chastre · 1 establishment unit since 2006
seat establishment The establishment unit on the map
Ground area
1,409 m²
Building footprint
179 m²
Volume, LiDAR
1,159 m³
Parcel 25094A0568/00W000, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRISAZ
Rue de Corsal 106, 1450 ChastreNACE 7414201
since 20062.161.219.089
1 parcel
Wallonia 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
25094A0568/00W000 Wallonia 1,409 m² 1 · 179 m² 8.4 m · 2 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.

Structure & network

Owners and holdings

3 holdings

Owners 0

The accounts to 31-12-2024 list no shareholders, and no other source names one.

Holdings 3

According to the 2024 annual accounts of CRISAZ and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,800. 13,553 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company (pre-2019)
Founded21-12-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID 0208:0885837850
Registered 05-01-2026

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 29 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.