Crisp
ActiveSummary
Crisp has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7.67M and a net result of €222k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 4178 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability19▲+1
Solvency85▼-15
Growth72▼-13
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €450k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 11.79 in 2024; short-term debt: 40.4% and cash: 29.1% of total assets), and 40.4% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
59.6%
Return on assets
1.7%
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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
11 d late
2023
5 d early
2022
31 d early
← before the deadline
after the deadline →
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€13.65M▼ 11.5%
2024 · €15.42M
2022: €3.70Mlowest in 4 years
2023: €12.50M▲ +237% vs 2022
2024: €15.42M▲ +23.4% vs 2023highest in 4 years
2025: €13.65M▼ -11.5% vs 2024
2022 → 2025
EBIT margin
-1.3%▲ 0.4pp
2024 · -1.7%
2022: -1.9%
2023: -3.5%▼ -86.5% vs 2022lowest in 4 years
2024: -1.7%▲ +51.0% vs 2023
2025: -1.3%▲ +23.1% vs 2024highest in 4 years
2022 → 2025
Net result
€222k▼ 4.6%
2024 · €233k
2022: €-189k
2023: €-599k▼ -218% vs 2022lowest in 4 years
2024: €233k▲ +139% vs 2023highest in 4 years
2025: €222k▼ -4.6% vs 2024
2022 → 2025
Working capital
€7.38M▼ 59.3%
2024 · €18.14M
2022: €7.94M
2023: €16.66M▲ +110% vs 2022
2024: €18.14M▲ +8.9% vs 2023highest in 4 years
2025: €7.38M▼ -59.3% vs 2024lowest in 4 years
2022 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€3.70M-€12.50M▲ 237%€15.42M▲ 23.4%€13.65M▼ 11.5%
2022: €3.70Mlowest in 4 years
2023: €12.50M▲ +237% vs 2022
2024: €15.42M▲ +23.4% vs 2023highest in 4 years
2025: €13.65M▼ -11.5% vs 2024
Equity€9.81M-€16.21M▲ 65.2%€18.45M▲ 13.8%€7.67M▼ 58.4%
2022: €9.81M
2023: €16.21M▲ +65.2% vs 2022
2024: €18.45M▲ +13.8% vs 2023highest in 4 years
2025: €7.67M▼ -58.4% vs 2024lowest in 4 years
Operating result€-69k-€-435k▼ 529%€-263k▲ 39.6%€-179k▲ 32.0%
2022: €-69khighest in 4 years
2023: €-435k▼ -529% vs 2022lowest in 4 years
2024: €-263k▲ +39.6% vs 2023
2025: €-179k▲ +32.0% vs 2024
Net result€-189k-€-599k▼ 218%€233k€222k▼ 4.6%
2022: €-189k
2023: €-599k▼ -218% vs 2022lowest in 4 years
2024: €233k▲ +139% vs 2023highest in 4 years
2025: €222k▼ -4.6% vs 2024
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €179k in 2025 against €263k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €12.86M
Fixed assets
€292k ▼ 4.5%
Current assets
€12.57M ▼ 36.6%
Equity and liabilities €12.86M
Equity
€7.67M ▼ 58.4%
Debt
€5.19M ▲ 209%
Debt's share of the balance-sheet total rises from 8.4% to 40.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-158k▲
2024 · €-248k
Cash flow
€243k▼
2024 · €248k
Current ratio
2.42▼
2024 · 11.79
Debt to equity
0.68▲
2024 · 0.09
ROE
2.9%▲
2024 · 1.3%
ROA
1.7%▲
2024 · 1.2%
Interest coverage
-2.80▼
2024 · -2.58
Debt ≤ 1 year
€5.19M▲
2024 · €1.68M
Income taxes
€0▼
2024 · €5k
Staff costs
€15k▼
2024 · €55k
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 · 71 lines
Balance sheet
Code20242025
Assets
Total assets20/58€20.13M€12.86M▼
Fixed assets21/28€306k€292k▼
Intangible fixed assets21€43k€28k▼
Tangible fixed assets22/27€21k€58k▲
Plant, machinery and equipment23€21k€58k▲
Furniture and vehicles24€0-
Other tangible fixed assets26€0-
Financial fixed assets28€241k€206k▼
Affiliated companies280/1€50k€50k=
Participating interests280€50k€50k=
Other financial fixed assets284/8€191k€156k▼
Amounts receivable and cash guarantees285/8€191k€156k▼
Current assets29/58€19.82M€12.57M▼
Stocks and contracts in progress3€0€0=
Stocks30/36€0-
Raw materials and consumables30/31€0-
Goods purchased for resale34€0-
Amounts receivable within one year40/41€17.57M€8.77M▼
Trade receivables40€552k€271k▼
Other amounts receivable41€17.01M€8.49M▼
Cash at bank and in hand54/58€2.20M€3.74M▲
Deferred charges and accrued income490/1€57k€62k▲
Equity and liabilities
Total equity and liabilities10/49€20.13M€12.86M▼
Equity10/15€18.45M€7.67M▼
Contributions10/11€19.00M€8.00M▼
Profit (loss) carried forward14€-555k€-332k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Other liabilities and charges164/5€0-
Amounts payable17/49€1.68M€5.19M▲
Amounts payable within one year42/48€1.68M€5.19M▲
Financial debts43€0€0▼
Credit institutions430/8€0€0▼
Trade debts44€36k€4.72M▲
Suppliers440/4€36k€4.72M▲
Taxes, remuneration and social security45€84k€75k▼
Taxes450/3€84k€75k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€1.56M€398k▼
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Operating income70/76A€15.50M€13.65M▼
Turnover70€15.42M€13.65M▼
Other operating income74€72k€0▼
Non-recurring operating income76A€0-
Operating charges60/66A€15.76M€13.83M▼
Goods for resale, raw materials and consumables60€7.56M€9.72M▲
Purchases600/8€6.54M€9.72M▲
Change in stocks: decrease (increase)609€1.03M€0▼
Services and other goods61€8.56M€4.06M▼
Remuneration, social security and pensions62€55k€15k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€21k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€9k▲
Other operating charges640/8€39k€5k▼
Non-recurring operating charges66A€-476k€0▲
Operating profit (loss)9901€-263k€-179k▲
Financial income75/76B€648k€502k▼
Recurring financial income75€648k€502k▼
Income from current assets751€636k€488k▼
Other financial income752/9€12k€13k▲
Financial charges65/66B€146k€100k▼
Recurring financial charges65€146k€100k▼
Debt charges650€96k€57k▼
Other financial charges652/9€50k€44k▼
Profit (loss) for the period before taxes9903€238k€222k▼
Income taxes67/77€5k€0▼
Taxes670/3€5k€0▼
Profit (loss) for the period9904€233k€222k▼
Profit (loss) for the period to be appropriated9905€233k€222k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-555k€-332k▲
Profit (loss) brought forward from the previous period14P€-788k€-555k▲
Social balance
Average headcount (FTE)90870.20.0▼
The notes to these accounts (46 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Operating income70/76A | €13.33M | €24.48M | €15.50M | €13.65M | ▼ 11.9% |
| Turnover70 | €3.70M | €12.50M | €15.42M | €13.65M | ▼ 11.5% |
| Other operating income74 | €9.57M | €10.25M | €72k | €0 | ▼ 100% |
| Non-recurring operating income76A | €56k | €1.73M | €0 | - | - |
| Operating charges60/66A | €13.40M | €24.92M | €15.76M | €13.83M | ▼ 12.2% |
| Goods for resale, raw materials and consumables60 | €3.22M | €9.25M | €7.56M | €9.72M | ▲ 28.5% |
| Purchases600/8 | €4.55M | €8.95M | €6.54M | €9.72M | ▲ 48.7% |
| Change in stocks: decrease (increase)609 | €-1.33M | €302k | €1.03M | €0 | ▼ 100% |
| Services and other goods61 | €8.61M | €11.58M | €8.56M | €4.06M | ▼ 52.6% |
| Remuneration, social security and pensions62 | €485k | €689k | €55k | €15k | ▼ 72.1% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €111k | €212k | €15k | €21k | ▲ 37.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | €5k | €14k | €6k | €9k | ▲ 57.1% |
| Other operating charges640/8 | €3k | €142k | €39k | €5k | ▼ 87.4% |
| Non-recurring operating charges66A | €960k | €3.03M | €-476k | €0 | ▲ 100% |
| Operating profit (loss)9901 | €-69k | €-435k | €-263k | €-179k | ▲ 32.0% |
| Financial income75/76B | €166 | €123k | €648k | €502k | ▼ 22.5% |
| Recurring financial income75 | €166 | €123k | €648k | €502k | ▼ 22.5% |
| Income from current assets751 | - | €55k | €636k | €488k | ▼ 23.2% |
| Other financial income752/9 | €166 | €67k | €12k | €13k | ▲ 10.9% |
| Financial charges65/66B | €118k | €208k | €146k | €100k | ▼ 31.6% |
| Recurring financial charges65 | €118k | €208k | €146k | €100k | ▼ 31.6% |
| Debt charges650 | €102k | €162k | €96k | €57k | ▼ 41.2% |
| Other financial charges652/9 | €16k | €45k | €50k | €44k | ▼ 13.1% |
| Profit (loss) for the period before taxes9903 | €-187k | €-520k | €238k | €222k | ▼ 6.6% |
| Income taxes67/77 | €1k | €79k | €5k | €0 | ▼ 100% |
| Taxes670/3 | €1k | €79k | €5k | €0 | ▼ 100% |
| Profit (loss) for the period9904 | €-189k | €-599k | €233k | €222k | ▼ 4.6% |
| Profit (loss) for the period to be appropriated9905 | €-189k | €-599k | €233k | €222k | ▼ 4.6% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €20.71M | €23.84M | €20.13M | €12.86M | ▼ 36.1% |
| Fixed assets21/28 | €1.99M | €1.95M | €306k | €292k | ▼ 4.5% |
| Intangible fixed assets21 | €73k | €58k | €43k | €28k | ▼ 34.7% |
| Tangible fixed assets22/27 | €1.83M | €1.68M | €21k | €58k | ▲ 169% |
| Plant, machinery and equipment23 | €1.67M | €1.53M | €21k | €58k | ▲ 169% |
| Furniture and vehicles24 | €26k | €23k | €0 | - | - |
| Other tangible fixed assets26 | €134k | €121k | €0 | - | - |
| Financial fixed assets28 | €90k | €216k | €241k | €206k | ▼ 14.5% |
| Affiliated companies280/1 | €50k | €50k | €50k | €50k | = |
| Participating interests280 | €50k | €50k | €50k | €50k | = |
| Other financial fixed assets284/8 | €40k | €166k | €191k | €156k | ▼ 18.3% |
| Amounts receivable and cash guarantees285/8 | €40k | €166k | €191k | €156k | ▼ 18.3% |
| Current assets29/58 | €18.71M | €21.89M | €19.82M | €12.57M | ▼ 36.6% |
| Stocks and contracts in progress3 | €1.33M | €1.03M | €0 | €0 | - |
| Stocks30/36 | €1.33M | €1.03M | €0 | - | - |
| Raw materials and consumables30/31 | €360k | €343k | €0 | - | - |
| Goods purchased for resale34 | €967k | €682k | €0 | - | - |
| Amounts receivable within one year40/41 | €10.50M | €19.61M | €17.57M | €8.77M | ▼ 50.1% |
| Trade receivables40 | €9.72M | €11.97M | €552k | €271k | ▼ 50.8% |
| Other amounts receivable41 | €776k | €7.64M | €17.01M | €8.49M | ▼ 50.1% |
| Cash at bank and in hand54/58 | €6.79M | €942k | €2.20M | €3.74M | ▲ 70.1% |
| Deferred charges and accrued income490/1 | €98k | €312k | €57k | €62k | ▲ 9.2% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €20.71M | €23.84M | €20.13M | €12.86M | ▼ 36.1% |
| Equity10/15 | €9.81M | €16.21M | €18.45M | €7.67M | ▼ 58.4% |
| Contributions10/11 | €10.00M | €17.00M | €19.00M | €8.00M | ▼ 57.9% |
| Profit (loss) carried forward14 | €-189k | €-788k | €-555k | €-332k | ▲ 40.1% |
| Provisions and deferred taxes16 | - | €2.36M | €0 | - | - |
| Provisions for liabilities and charges160/5 | - | €2.36M | €0 | - | - |
| Other liabilities and charges164/5 | - | €2.36M | €0 | - | - |
| Amounts payable17/49 | €10.90M | €5.27M | €1.68M | €5.19M | ▲ 209% |
| Amounts payable within one year42/48 | €10.77M | €5.23M | €1.68M | €5.19M | ▲ 209% |
| Financial debts43 | - | - | €0 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | €0 | €0 | ▼ 100% |
| Trade debts44 | €1.65M | €1.62M | €36k | €4.72M | ▲ 12,983% |
| Suppliers440/4 | €1.65M | €1.62M | €36k | €4.72M | ▲ 12,983% |
| Taxes, remuneration and social security45 | €46k | €303k | €84k | €75k | ▼ 11.5% |
| Taxes450/3 | €1k | €126k | €84k | €75k | ▼ 11.5% |
| Remuneration and social security454/9 | €44k | €177k | €0 | - | - |
| Other amounts payable47/48 | €9.07M | €3.31M | €1.56M | €398k | ▼ 74.5% |
| Accrued charges and deferred income492/3 | €123k | €37k | €2k | €0 | ▼ 100% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-189k | €-599k | €233k | €222k | ▼ 4.6% |
| + Depreciation and write-downs630 | €111k | €212k | €15k | €21k | ▲ 37.8% |
| Operating cash flow (approximation) | €-77k | €-387k | €248k | €243k | ▼ 2.0% |
| Investment in fixed assets (approximation) | - | €-171k | €1.63M | €-7k | ▼ 100% |
| Change in cash | - | €-5.85M | €1.26M | €1.54M | ▲ 22.6% |
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 11 days late
2024
31-12
Financial
Back to profitnet €233k
Net result €233k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 11.79
Current ratio from 4.19 to 11.79; short-term debt falls from €5.23M to €1.68M.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €-599k
Net result drops to €-599k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 4.19
Current ratio from 1.74 to 4.19; short-term debt falls from €10.77M to €5.23M.
31-12
Financial
Equity above €10MEq €16.21M ▲65.2%
Equity rises from €9.81M to €16.21M.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 15 acts read
About the unread acts
We know of 15 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
15 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, Temse · 1 establishment unit since 2022
Ground area
1.2 ha
Building footprint
4,358 m²
Volume, LiDAR
29,638 m³
2 parcels, Flanders · tallest building 16.4 m, ±4 floors. Linked by address, not a title deed.
307
companies at this address
See who is registered here
1 establishment unit
Vluchtenburgstraat 11, 2630 Aartselaar
since 20222.328.216.170
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0179/09E000 | Flanders | 7,219 m² | 1 · 1,412 m² | 16.4 m · 4 fl. |
| 11372A0274/00S000 | Flanders | 5,265 m² | 1 · 2,946 m² | 5.5 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
Food safety, FASFC
1 siteAartselaar2.328.216.170
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Of 12,957 companies in sector 47120 we hold annual accounts for 2,190. 287 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
Founded22-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
47120Other non-specialised retail sale
Scores and ratios are computed by Checked and are not a credit decision.