Equity
€185,176 ▼ 26.1%
CROITOR paid out €80,000 in dividends. That is 544% of the 2025 profit.
CROITOR
Lifetime
12 annual accounts with figures on one time axispeak €6.5m (2023)
€980,492▼ 59.6%
peak €258,912 (2022)
€14,718▼ 48.0%
peak €292,156 (2023)
€185,176▼ 26.1%
€249,392▼ 42.8%
peak 0.1 FTE (2019)
-not published
Board3 names since 2024
1 directorCROITOR Viorel
Documentsfilings and deeds
25-02-202634 days before the deadline
2025financial year
Turnover from €2.4m to €980,492Gross margin from €115,179 to €90,434Result from €28,302 to €14,718Dividend €80,000Equity from €250,458 to €185,176Debts from €436,167 to €249,392
Key points
from the 2025 annual accountsTurnover
€980,492 ▼ 59.6%
Turnover fell in 2025 from €2.4m to €980,492.
Payment terms
43 days to suppliers
CROITOR pays its suppliers 15 days later than in 2024. Customers pay 37 days later.
Checked score
81
Excellent
Financially stronger than 26% of micro companies in specialised construction (NACE 43)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,693 companies (NACE 43, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024lowest value
02-2025: 0.3%▲ +0.1 percentage points vs 01-2025
03-2025: 0.4%▲ +0.1 percentage points vs 02-2025highest value
04-2025: 0.3%▼ -0.1 percentage points vs 03-2025
05-2025: 0.3%● unchanged vs 04-2025
06-2025: 0.3%● unchanged vs 05-2025
07-2025: 0.3%● unchanged vs 06-2025
08-2025: 0.3%● unchanged vs 07-2025
09-2025: 0.3%● unchanged vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.3%● unchanged vs 07-2026
09-2026: 0.3%● unchanged vs 08-2026
10-2026: 0.3%● unchanged vs 09-2026
11-2026: 0.4%▲ +0.1 percentage points vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Sector: Specialised construction activities (NACE 43)
Liquidity: current ratio 1.57, cash €29,585
lowers risk
Founded in 2012
Equity €185,176 (42.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 43, micro). It does better than 46% of them on solvency, 18% on liquidity, 31% on profitability and 10% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-08-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 10,904 companies had the same profile as CROITOR has now. Each dot stands for 28 companies, two years later.
95.1%
were still trading
4.0%
stopped another way
0.7%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CROITOR itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 10,904 companies, not a prediction for CROITOR. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €14,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.57 (1.44 in 2024), above the usual 1.5. Short-term debt is 57.4% and cash 6.8% of total assets. However, 57.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 25-02-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 days early
2024
12 days early
2023
2 days early
2022
4 days early
2021
10 days early
2020
8 days early
2019
2 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 21 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-08-2026 year end10-11-2026 today31-03-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0501629263
3 managers resigning, 1 director reappointed
Resignations: CROITOR Viorel, CROITOR Valentin and CROITOR Adrian · Reappointment: CROITOR Viorel (director) · General meeting of 24-11-2023 · Gazette deed
Registered office moved within Brussels
New registered office: Rue de Grand-Bigard 14, 1082 Bruxelles · Previous registered office: Rue des Horticulteurs 12, 1020 Bruxelles · General meeting of 15-04-2019 · Gazette deed
First establishment
Dupréstraat 137, Jette
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CROITOR Berchem-Sainte-Agathe | €434,569 | €90,434 | 42.6% | - |
| VAN & JOHN Brussels | €430,056 | €98,276 | 44.6% | - |
| PIERREHUB Schaerbeek | €414,523 | €112,694 | 19.4% | - |
| BATI RENOV TEC Brussels | €404,017 | €107,803 | 6.3% | - |
| ECG PROJECT Etterbeek | €407,693 | €112,485 | 70.5% | - |
| BEN CONSTRUCT Grimbergen | €434,628 | €81,612 | 57.4% | - |
| S.M.O.K. Namur | €437,310 | €80,951 | 63.8% | - |
These companies have the same main activity as CROITOR: other specialised construction activities (NACE 43990). They are comparable in size and age: total assets between €404,000 and €437,000, founded between 2011 and 2014.
Official details
Source: KBO- Status
- Active since 29-11-2012Normal situation
- Registered office
- 309 active companies are registered at this address53 started in the 12 months before. Source: KBO register, as of 10 November 2026.
- Activity
- Other specialised construction activitiesNACE 43990and 1 other
- Establishment unit
- 2.214.512.5721090 Jette, since 05-12-2012
- Financial year end
- 31 August
- Peppol
- Reachable since 06-06-2025
Annual accounts to 31-08-2025
- €434,569▼ 36.7%
- Filing
- Filed on 25-02-2026, 34 days before the end of the filing period
Insights on CROITOR
CROITOR has existed since 2012. Turnover fell from €6.5m in 2023 to €2.4m in 2024.
Solvency rose in 2025 from 36.5% to 42.6% because of lower debts.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CROITOR
- What is the company number of CROITOR?
- The company number of CROITOR is 0501.629.263. The VAT number is the same number with BE in front: BE 0501.629.263.
- Where is CROITOR based?
- The registered office is at Groot-Bijgaardenstraat 14, 1082 Berchem-Sainte-Agathe.Company details
- What does CROITOR do?
- According to the KBO register, the main activity is other specialised construction activities (NACE 43990).
- What is the legal form of CROITOR?
- CROITOR is a private limited company (BV).
- When was CROITOR founded?
- CROITOR was founded on 29-11-2012.
- Is CROITOR still active?
- Yes, CROITOR is an active enterprise in the KBO register.
- How many employees does CROITOR have?
- CROITOR had an average of 0.1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
- What is the turnover of CROITOR?
- The turnover of CROITOR was €980,492 in financial year 2025, according to the filed annual accounts.
- Is CROITOR profitable?
- In financial year 2025, CROITOR made a profit of €14,718.
- Where can I find the annual accounts of CROITOR?
- CROITOR filed 12 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CROITOR due?
- CROITOR must file the annual accounts for financial year 2026 by 31-03-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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