CROITOR
ActiveSummary
CROITOR has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €185k and a net result of €15k. Equity is growing by ~24.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 2056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+2
Solvency68▲+7
Growth37▼-18
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.44 in 2024; short-term debt: 57.4% and cash: 6.8% of total assets), but 57.4% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% more bankruptcies
← 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
42.6%
Return on assets
3.4%
Age of the figures
13 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 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 d early
2024
12 d early
2023
2 d early
2022
4 d early
2021
10 d early
2020
8 d early
2019
2 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-08-2026 close26-09-2026 today31-03-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€980k▼ 59.6%
2024 · €2.43M
EBIT margin
2.1%▲ 0.6pp
2024 · 1.5%
Net result
€15k▼ 48.0%
2024 · €28k
Working capital
€142k▼ 19.9%
2024 · €177k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2.55M▲ 4.8%€3.52M▲ 37.8%€6.50M▲ 84.8%€2.43M▼ 62.6%€980k▼ 59.6%
Operating result€184k▼ 33.4%€341k▲ 85.1%€241k▼ 29.2%€37k▼ 84.6%€21k▼ 44.7%
Net result€145k▼ 33.2%€259k▲ 78.1%€177k▼ 31.6%€28k▼ 84.0%€15k▼ 48.0%
EBIT margin7.2%▼ 4.1pp9.7%▲ 2.5pp3.7%▼ 6.0pp1.5%▼ 2.2pp2.1%▲ 0.6pp
Equity€76k▲ 0.5%€235k▲ 209%€292k▲ 24.3%€250k▼ 14.3%€185k▼ 26.1%
Total assets€415k▼ 34.1%€847k▲ 104%€936k▲ 10.5%€687k▼ 26.6%€435k▼ 36.7%
Debt€339k▼ 38.9%€612k▲ 80.5%€644k▲ 5.1%€436k▼ 32.2%€249k▼ 42.8%
Working capital€-2k€5k€121k▲ 2,413%€177k▲ 46.0%€142k▼ 19.9%
Staff (FTE)
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 45% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €435k
Fixed assets
€43k ▼ 59.0%
Current assets
€391k ▼ 32.7%
Equity and liabilities €435k
Equity
€185k ▼ 26.1%
Debt
€249k ▼ 42.8%
Debt's share of the balance-sheet total falls from 63.5% to 57.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€69k▼
2024 · €108k
Cash flow
€63k▼
2024 · €99k
Current ratio
1.57▲
2024 · 1.44
Debt to equity
1.35▼
2024 · 1.74
ROE
7.9%▼
2024 · 11.3%
ROA
3.4%▼
2024 · 4.1%
Interest coverage
5.91▼
2024 · 9.88
Debt ≤ 1 year
€249k▼
2024 · €404k
Income taxes
€5k▼
2024 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2.55M | €3.52M | €6.50M | €2.43M | €980k | ▼ 59.6% |
| Non-recurring operating income76A | - | - | - | €42k | €23k | ▼ 45.3% |
| Goods, raw materials, services and sundry goods60/61 | - | €3.11M | €6.12M | €2.37M | €913k | ▼ 61.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46k | €61k | €120k | €71k | €48k | ▼ 31.5% |
| Other operating charges640/8 | - | €8k | €15k | €7k | €5k | ▼ 38.2% |
| Non-recurring operating charges66A | - | - | €5k | - | €17k | - |
| Gross operating margin9900 | €230k | €409k | €381k | €115k | €90k | ▼ 21.5% |
| Operating profit (loss)9901 | €184k | €341k | €241k | €37k | €21k | ▼ 44.7% |
| Financial income75/76B | - | €7k | €7k | €11k | €11k | ▼ 0.5% |
| Recurring financial income75 | €18k | €7k | €7k | €11k | €11k | ▼ 0.5% |
| Financial charges65/66B | - | €5k | €15k | €11k | €12k | ▲ 6.9% |
| Recurring financial charges65 | €15k | €5k | €15k | €11k | €12k | ▲ 6.9% |
| Profit (loss) for the period before taxes9903 | €187k | €343k | €232k | €38k | €20k | ▼ 46.4% |
| Income taxes67/77 | €42k | €84k | €55k | €9k | €5k | ▼ 41.6% |
| Profit (loss) for the period9904 | €145k | €259k | €177k | €28k | €15k | ▼ 48.0% |
| Profit (loss) for the period to be appropriated9905 | €145k | €259k | €177k | €28k | €15k | ▼ 48.0% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €415k | €847k | €936k | €687k | €435k | ▼ 36.7% |
| Fixed assets21/28 | €94k | €318k | €299k | €106k | €43k | ▼ 59.0% |
| Tangible fixed assets22/27 | €94k | €318k | €299k | €101k | €39k | ▼ 61.7% |
| Plant, machinery and equipment23 | - | €24k | €26k | €13k | €4k | ▼ 66.7% |
| Furniture and vehicles24 | - | €294k | €273k | €88k | €34k | ▼ 60.9% |
| Financial fixed assets28 | €160 | €160 | €160 | €5k | €5k | = |
| Current assets29/58 | €322k | €529k | €637k | €581k | €391k | ▼ 32.7% |
| Amounts receivable within one year40/41 | €241k | €471k | €543k | €536k | €358k | ▼ 33.2% |
| Trade receivables40 | - | €338k | €359k | €335k | €233k | ▼ 30.4% |
| Other amounts receivable41 | - | €132k | €184k | €201k | €125k | ▼ 37.9% |
| Cash at bank and in hand54/58 | €75k | €55k | €80k | €38k | €30k | ▼ 21.6% |
| Deferred charges and accrued income490/1 | - | €4k | €13k | €7k | €4k | ▼ 48.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €415k | €847k | €936k | €687k | €435k | ▼ 36.7% |
| Equity10/15 | €76k | €235k | €292k | €250k | €185k | ▼ 26.1% |
| Contributions10/11 | - | €6k | €6k | €8k | €8k | = |
| Reserves13 | €21k | €21k | €21k | €19k | €19k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Tax-exempt reserves132 | - | €19k | €19k | €19k | €19k | = |
| Profit (loss) carried forward14 | €49k | €208k | €265k | €224k | €158k | ▼ 29.2% |
| Amounts payable17/49 | €339k | €612k | €644k | €436k | €249k | ▼ 42.8% |
| Amounts payable after more than one year17 | €16k | €88k | €128k | €32k | - | - |
| Financial debts170/4 | - | €88k | €128k | €32k | - | - |
| Amounts payable within one year42/48 | €323k | €525k | €515k | €404k | €249k | ▼ 38.2% |
| Current portion of amounts payable after more than one year42 | - | €80k | €135k | €124k | €40k | ▼ 67.6% |
| Financial debts43 | - | €222 | €115 | €5k | €12k | ▲ 165% |
| Credit institutions430/8 | - | €222 | €115 | €5k | €12k | ▲ 165% |
| Trade debts44 | €80k | €292k | €228k | €182k | €108k | ▼ 40.6% |
| Suppliers440/4 | - | €292k | €228k | €182k | €108k | ▼ 40.6% |
| Taxes, remuneration and social security45 | - | €83k | €69k | €44k | €33k | ▼ 26.2% |
| Taxes450/3 | - | €77k | €66k | €44k | €33k | ▼ 26.2% |
| Remuneration and social security454/9 | - | €5k | €3k | - | - | - |
| Other amounts payable47/48 | - | €70k | €84k | €49k | €56k | ▲ 14.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €145k | €259k | €177k | €28k | €15k | ▼ 48.0% |
| + Depreciation and write-downs630 | €46k | €61k | €120k | €71k | €48k | ▼ 31.5% |
| Operating cash flow (approximation) | €191k | €320k | €297k | €99k | €63k | ▼ 36.2% |
| Investment in fixed assets (approximation) | - | €-285k | €-101k | €123k | €14k | ▼ 88.6% |
| Change in cash | - | €-20k | €25k | €-42k | €-8k | ▲ 80.8% |
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
25-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-08
Financial
Weakest financial yearnet €15k ▼48%
Net result drops to €15k, the lowest in the series.
19-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-08
Financial
Highest result since 2019net €259k ▲78.1%
Operating result €341k, net result €259k, both a record.
31-08
Financial
Equity above €200kEq €235k ▲209%
4 profitable years in a row build equity to €235k.
21-03
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 2 days late
2019
12-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Sint-Agatha-Berchem · 1 establishment unit since 2012
Ground area
501 m²
Building footprint
416 m²
Volume, LiDAR
2,839 m³
2 parcels, Brussels · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
295
companies at this address
See who is registered here
1 establishment unit
Croitor
since 20122.214.512.572
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21342B0043/00F003 | Brussels | 290 m² | 1 · 293 m² | 10.6 m · 2 fl. |
| 21010B0001/00L018 | Brussels | 211 m² | 1 · 123 m² | 12.0 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.
Similar companies · same sector, comparable size
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AMIS CONSTRUCT
BE 0886.161.019
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BE 0801.368.864
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Of 15,521 companies in sector 43990 we hold annual accounts for 7,416. 5,918 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
Founded29-11-2012
Fiscal year end31-08
Activities, NACEBEL 2025
43990Other specialised construction activities
81230Other cleaning activities
Contact
E-mail
viorel@croitorsprl.com
Scores and ratios are computed by Checked and are not a credit decision.