CRM Invest
ActiveCRM Invest has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €388k and a net result of €15k. Equity is growing by ~42.1% per year across the filed fiscal years. Its solvency ranks better than 40% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
71
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability20▼-25
Solvency78▼-5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.71 in 2024), and 56.4% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
43.6%
Return on assets
1.7%
Age of the figures
11 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
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 23-12-2025, 128 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
128 d early
2024
131 d early
2023
12 d early
2021
5 d early
2020
99 d early
2019
59 d early
2018
99 d early
← before the deadline
after the deadline →
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
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€388k▼ 4.9%
2024 · €408k
2018: €47k
2019: €70k
2020: €117k
2021: €371k
2023: €371k
2024: €408k
2018 → 2025
Total assets
€891k▼ 6.9%
2024 · €957k
2018: €1.08M
2019: €1.16M
2020: €810k
2021: €1.04M
2023: €982k
2024: €957k
2018 → 2025
Net result
€15k▼ 58.0%
2024 · €37k
2018: €42k
2019: €53k
2020: €100k
2021: €254k
2023: €90
2024: €37k
2018 → 2025
Working capital
€48k▼ 28.7%
2024 · €68k
2018: €479k
2019: €492k
2020: €7k
2021: €362k
2023: €60k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€117k-€371k▲ 216%€371k=€408k▲ 9.9%€388k▼ 4.9%
Operating result€134k-€372k▲ 177%€11k▼ 96.9%€55k▲ 377%€30k▼ 45.7%
Net result€100k-€254k▲ 155%€90▼ 100.0%€37k▲ 40,586%€15k▼ 58.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €891k
Fixed assets
€742k▼ 6.6%
Current assets
€149k▼ 8.1%
Equity and liabilities €891k
Equity
€388k▼ 4.9%
Provisions
€77k▼ 5.9%
Debt
€426k▼ 8.8%
The debt ratio falls from 48.9% to 47.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€68k▼
2024 · €98k
Cash flow
€53k▼
2024 · €80k
Solvency
43.6%▲
2024 · 42.7%
Current ratio
1.48▼
2024 · 1.71
Quick ratio
1.48▼
2024 · 1.71
Debt / equity
1.10▼
2024 · 1.15
ROE
4.0%▼
2024 · 9.0%
ROA
1.7%▼
2024 · 3.8%
Interest coverage
10.31▼
2024 · 12.05
Debt
€426k▼
2024 · €467k
Debt ≤ 1 year
€101k▲
2024 · €95k
Debt > 1 year
€325k▼
2024 · €372k
Income taxes
€18k▼
2024 · €24k
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€957k€891k▼
Fixed assets21/28€794k€742k▼
Tangible fixed assets22/27€634k€582k▼
Land and buildings22€546k€524k▼
Plant, machinery and equipment23€982€471▼
Furniture and vehicles24€39k€14k▼
Other tangible fixed assets26€49k€43k▼
Financial fixed assets28€160k€160k=
Current assets29/58€162k€149k▼
Amounts receivable within one year40/41€60k€76k▲
Trade receivables40-€5k
Other amounts receivable41€60k€72k▲
Cash at bank and in hand54/58€99k€70k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€957k€891k▼
Equity10/15€408k€388k▼
Contributions10/11€19k€19k=
Reserves13€389k€370k▼
Tax-exempt reserves132€244k€230k▼
Distributable reserves133€145k€140k▼
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€81k€77k▼
Deferred taxes168€81k€77k▼
Amounts payable17/49€467k€426k▼
Amounts payable after more than one year17€372k€325k▼
Financial debts170/4€372k€325k▼
Amounts payable within one year42/48€95k€101k▲
Current portion of amounts payable after more than one year42€52k€47k▼
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€32k€6k▼
Taxes450/3€32k€6k▼
Other amounts payable47/48€7k€41k▲
Accrued charges and deferred income492/3€175€175=
Income statement
Code20242025
Non-recurring operating income76A€0€3k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€38k▼
Other operating charges640/8€6k€5k▼
Non-recurring operating charges66A€344€0▼
Gross operating margin9900€104k€73k▼
Operating profit (loss)9901€55k€30k▼
Financial income75/76B€9k€5k▼
Recurring financial income75€9k€5k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€55k€28k▼
Transfer from deferred taxes780€5k€5k▼
Income taxes67/77€24k€18k▼
Profit (loss) for the period9904€37k€15k▼
Transfer from tax-exempt reserves789€15k€14k▼
Profit (loss) for the period to be appropriated9905€52k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€30k▼
Transfer from equity791/2-€35k
Transfer to equity691/2€52k€30k▼
To other reserves6921€52k€30k▼
Profit to be distributed694/7-€35k
Return on contributions (dividend)694-€35k
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 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
14-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 19/06/2026
- Registered-office move, Tibeertstraat 1 - 8930 Menen
2025
23-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €90 ▼100%
Net result drops to €90, the lowest in the series; recovery starts the following year.
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €254k ▲155%
Operating result €372k, net result €254k, both a record.
31-12
Financial
Liquidity times 7current ratio 7.70
Current ratio from 1.04 to 7.70; short-term debt falls from €153k to €54k.
31-12
Financial
Equity above €200kEq €371k ▲216%
4 profitable years in a row build equity to €371k.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €117k ▲66.8%
3 profitable years in a row build equity to €117k.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Menen · 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.
Tibeertstraat 18930 MenenGround area
704 m²
Building footprint
131 m²
Volume, LiDAR
763 m³
Parcel 34032A0310/02A002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRM INVEST
since 20092.178.073.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34032A0310/02A002 | Flanders | 704 m² | 1 · 131 m² | 8.1 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 223 EUR awarded · 223 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 223 EUR | 223 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Similar companies · same sector, comparable size
MANGELSCHOTS CONSULTING
BE 0885.134.896
Halen · Eq €388k
ACTINUM
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VEMA
BE 0466.213.276
Gent · Eq €388k
VERMI
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Zele · Eq €388k
Javik
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Hulshout · Eq €388k
Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 36,463 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2009
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.