CRISTYCAR
ActiveCRISTYCAR has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €24k. Equity is growing by ~3% per year across the filed fiscal years. Its solvency ranks better than 42% of 11209 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▲+7
Solvency57▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.28 against 4.32 in 2024; short-term debt: 21.9% and cash: 80.6% of total assets), but 68.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← 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
31.6%
Return on assets
10.6%
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 05-08-2026, 5 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
5 d late
2024
61 d late
2023
31 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
47 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 15.7%
2024 · €63k
2018: €52k
2019: €60k
2020: €75k
2021: €71k
2022: €59k
2023: €60k
2024: €63k
2018 → 2025
Total assets
€229k▲ 6.2%
2024 · €216k
2018: €199k
2019: €213k
2020: €222k
2021: €219k
2022: €217k
2023: €213k
2024: €216k
2018 → 2025
Net result
€24k▲ 112%
2024 · €12k
2018: €9k
2019: €8k
2020: €15k
2021: €9k
2022: €-2k
2023: €10k
2024: €12k
2018 → 2025
Working capital
€165k▲ 7.3%
2024 · €154k
2018: €155k
2019: €138k
2020: €160k
2021: €164k
2022: €157k
2023: €162k
2024: €154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€59k▼ 18.0%€60k▲ 1.8%€63k▲ 5.2%€73k▲ 15.7%
Operating result€-5k-€404€17k▲ 4,195%€18k▲ 3.6%€36k▲ 101%
Net result€9k-€-2k€10k€12k▲ 13.8%€24k▲ 112%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 101% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€14k▼ 11.9%
Current assets
€216k▲ 7.7%
Equity and liabilities €229k
Equity
€73k▲ 15.7%
Provisions
€107k=
Debt
€50k▲ 7.8%
The debt ratio rises from 21.6% to 21.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€38k▲
2024 · €20k
Cash flow
€26k▲
2024 · €13k
Solvency
31.6%▲
2024 · 29.0%
Current ratio
4.28▼
2024 · 4.32
Quick ratio
3.78▲
2024 · 3.67
Debt / equity
0.69▼
2024 · 0.74
ROE
33.6%▲
2024 · 18.4%
ROA
10.6%▲
2024 · 5.3%
Interest coverage
24.50▲
2024 · 20.19
Debt
€50k▲
2024 · €47k
Debt ≤ 1 year
€50k▲
2024 · €46k
Income taxes
€10k▲
2024 · €5k
Staff costs
€52k▼
2024 · €53k
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€216k€229k▲
Fixed assets21/28€16k€14k▼
Tangible fixed assets22/27€15k€13k▼
Furniture and vehicles24€15k€13k▼
Financial fixed assets28€1k€1k=
Current assets29/58€200k€216k▲
Stocks and contracts in progress3€30k€25k▼
Stocks30/36€30k€25k▼
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€5k€4k▼
Cash at bank and in hand54/58€164k€185k▲
Deferred charges and accrued income490/1€894€894=
Equity and liabilities
Total equity and liabilities10/49€216k€229k▲
Equity10/15€63k€73k▲
Contributions10/11€9k€9k=
Reserves13€47k€33k▼
Non-distributable reserves130/1-€2k
Reserves not available under the articles1311-€2k
Distributable reserves133€47k€31k▼
Profit (loss) carried forward14€7k€31k▲
Provisions and deferred taxes16€107k€107k=
Provisions for liabilities and charges160/5€107k€107k=
Pensions and similar obligations160€107k€107k=
Amounts payable17/49€47k€50k▲
Amounts payable within one year42/48€46k€50k▲
Trade debts44€20k€17k▼
Suppliers440/4€20k€17k▼
Taxes, remuneration and social security45€17k€18k▲
Taxes450/3€9k€12k▲
Remuneration and social security454/9€8k€6k▼
Other amounts payable47/48€10k€15k▲
Accrued charges and deferred income492/3€400-
Income statement
Code20242025
Non-recurring operating income76A€12k-
Remuneration, social security and pensions62€53k€52k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€4k€4k▼
Gross operating margin9900€77k€95k▲
Operating profit (loss)9901€18k€36k▲
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€983€2k▲
Recurring financial charges65€983€2k▲
Profit (loss) for the period before taxes9903€17k€34k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€12k€24k▲
Profit (loss) for the period to be appropriated9905€12k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€31k▲
Profit (loss) brought forward from the previous period14P€7k€7k=
Transfer from equity791/2€8k-
Transfer to equity691/2€12k-
To other reserves6921€12k-
Profit to be distributed694/7€8k-
Return on contributions (dividend)694€8k-
The notes to these accounts (5 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
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
2025
31-12
Financial
Highest result since 2018net €24k ▲112%
Operating result €36k, net result €24k, both a record.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €-2k ▼124%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aiseau-Presles · 1 establishment unit since 2005
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 Lorrains(PL) 466250 Aiseau-PreslesGround area
1,602 m²
Building footprint
323 m²
Volume, LiDAR
1,545 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRISTYCAR
since 20052.149.352.526
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52056B0165/00Y002 | Wallonia | 933 m² | 1 · 167 m² | 7.1 m · 2 fl. |
| 92007A0433/00K003 | Wallonia | 668 m² | 1 · 156 m² | 5.7 m · 1 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
Food safety, FASFC
1 siteSambreville2.149.352.526
Similar companies · same sector, comparable size
MABALI BELGIUM
BE 0564.790.715
Ieper · Eq €72k
JDB Tournai Conseil
BE 0699.602.602
Tournai · Eq €71k
SARI MB
BE 0720.758.401
Colfontaine · Eq €71k
W.A.G. payment solutions BE
BE 0648.861.506
Sint-Gillis (bij-Brussel) · Eq €71k
TIANGANG CHEMICALS EUROPE
BE 0729.571.741
Leuven · Eq €70k
Of 538 companies in sector 46120 we hold annual accounts for 303. 192 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2005
Fiscal year end31-12
Activities, NACEBEL
46120Wholesale trade
47300Retail sale of automotive fuel
47110Non-specialised retail sale with food, beverages or tobacco predominating
47113Retail trade
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.