Skip to content

CRISTAL

Active
Private limited company (pre-2019)founded 201016 yrs activeRue de l'Yser 428, 4430 Ans, BelgiumKBO/BCE: BE 0823.549.794
Summary

CRISTAL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €202,026 and a net result of €2,857. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 92% of 4559 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisWatch ReportCompare
CRISTALActiveChecked score 87/100
Risk analysis ReportCompare

Overview

Activity
Cafés and bars
NACE 56301
#3 company by equity in Ans, Accommodation and food service sector1 site
Size
€249,206total assets 2025
Staff
4.1 FTE
Equity
€202,026
Profit
€2,857
Turnover not published (abridged schema)
Financial health
87 Excellent Checked score 2025
Bankruptcy chance 12 m
0.3%
Structure
Accounts filed 31 d late0 of 3 deeds read
Why 87- Latest accounts 31 days late; 3 of the last 3 late- Sector Food and beverage service activities (NACE 56)+ Liquidity: current ratio 4.68, cash €131,484+ Equity €202,026 (81.1% of total assets)Show the evidence

Checked score

Score 2025
87 / 100
Excellent
Probability in this band: under 0.55%
Better than 70% of its sector peers (NACE 56, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100+18
equity 81.1% of total assets
Liquidity 94+20
short-term debt 18.9% · cash 52.8%
Profitability 70-7
return on assets 1.1%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 1.8% (23,690 companies)
Last 24 months 11-2024: 0.8% 12-2024: 0.8%● 0.0% vs 11-2024 01-2025: 0.8%● 0.0% vs 12-2024 02-2025: 0.8%● 0.0% vs 01-2025 03-2025: 0.9%▲ +7.6% vs 02-2025 04-2025: 0.9%▲ +2.0% vs 03-2025 05-2025: 0.9%● 0.0% vs 04-2025 06-2025: 0.8%▼ -9.6% vs 05-2025 07-2025: 0.8%▼ -2.1% vs 06-2025 08-2025: 0.9%▲ +18.8% vs 07-2025 09-2025: 1.0%▲ +13.0% vs 08-2025 10-2025: 1.3%▲ +21.6% vs 09-2025highest value 11-2025: 0.6%▼ -50.7% vs 10-2025 12-2025: 0.6%● 0.0% vs 11-2025 01-2026: 0.6%▼ -1.7% vs 12-2025 02-2026: 0.6%▲ +4.7% vs 01-2026 03-2026: 0.6%▼ -1.4% vs 02-2026 04-2026: 0.6%▼ -0.8% vs 03-2026 05-2026: 0.6%▼ -1.9% vs 04-2026 06-2026: 0.6%▼ -3.5% vs 05-2026 07-2026: 0.6%▲ +1.3% vs 06-2026 08-2026: 0.8%▲ +28.1% vs 07-2026 09-2026: 0.3%▼ -55.6% vs 08-2026lowest value 10-2026: 0.3%● 0.0% vs 09-2026lowest value
  • Latest accounts 31 days late; 3 of the last 3 late raises the probability
  • Sector Food and beverage service activities (NACE 56) raises the probability
  • Liquidity: current ratio 4.68, cash €131,484 lowers the probability
  • Equity €202,026 (81.1% of total assets) lowers the probability
Credit up to €17,000 at 30 days acceptable
Liquidity ample (current ratio 4.68 against 2.12 in 2024; short-term debt: 18.9% and cash: 52.8% of total assets), and 18.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 56, micro). Better than this share of them on solvency 94%, liquidity 94%, profitability 50%, growth against the median 44%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 04-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Latest accounts 31 days late; 3 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
raises risk · Sector Food and beverage service activities (NACE 56)
In the bankruptcy model this factor raises the probability.
KBO
lowers risk · Liquidity: current ratio 4.68, cash €131,484
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €202,026 (81.1% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
61 d late
2023
92 d late
2022
115 d late
2021
107 d late
2020
88 d late
2019
120 d late
← 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 88 days after the deadline; the sector median for financial year 2024 is 6 days after the deadline, and 53% 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. Usually files around 1 November (4 of the last 5 filed years within 32 days of that day).
Companies Code · seven months
Position in the running window
05-10-2026 today31-12-2026 close31-07-2027 deadline
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
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Liquidity doublescurrent ratio 4.68
  3. Equity above €200,000Eq €202,026 ▲1.4%

Key points

  • Positive: Company by equity in Ans, Accommodation and food…in the Checked rankings #3 View
  • Positive: 5 profitable years in a rowprofit 2025: €2,857 5 years View
  • Total assets 20256 fiscal years filed €249,206 View

By topic

Financials

Fiscal year
2025
Total assets
€249,206
Profit
€2,857
Solvency
81.1%
Go to Financials

Timeline

Events
16
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Liquidity doubles
  3. 31-12-2025Equity above €200,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Cafés and barsNACE 56301
Founded
02-03-2010
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Go further with this company

How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed

Your own company? See how customers, suppliers and banks see it and what to improve first.

Investigating this company? Keep it with today's facts in a case file.

We would like to set cookies. That happens only with your consent. What we measure