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CROMARMA

Active Risk: not assessed
Private limited companyfounded 2011active for 15 yearsSmeetsstraat (Mol) 83, 3640 Kinrooi, BelgiumKBO/BCE: BE 0833.599.093

Financials · financial year 2025, abbreviated format

Annual accounts 2025 filed on 16-07-2026 at the NBB all 15 filings

Equity
€1.8m▲ 71.6%
2024 · €1.0m
Net result
€856,119▲ 266%
2024 · €233,763
Total assets
€6.4m▲ 23.8%
2024 · €5.2m
Solvency
27.8%▲ 7.7pp
2024 · 20.0%
Trend over the years

2022 to 2025, 5 financial years 2019 to 2025, 8 financial years

Several financial years end in the same calendar year, so there is no annual trend.

Operating result-€0.004m 2025 Net result€0.9m 2025

Turnover is what the company sold, the result is what was left of it. A loss stands below the zero line.

Use the arrow keys on the chart for the figures per year.

The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30. The dashed line is the median. There is a sector band for net result, equity, total assets, working capital, solvency, current ratio, return on assets (ROA) and staff (FTE).

Every figure with its change against the financial year before
favourable unfavourable
Line20192020202120222023202320242025
Operating result€0.08m-€0.07m▼ 14.9%€0.02m▼ 76.0%€0.02m▲ 12.5%-€0.02m€0.07m-€0.2m▲ 132%-€0.004m
Net result€0.2m-€0.02m▼ 88.0%€0.08mwithin the sector's middle half▲ 283%€0.1mwithin the sector's middle half▲ 81.9%€0.5mabove the sector's middle half▲ 231%€0.2mabove the sector's middle half-€0.2mabove the sector's middle half▲ 16.3%€0.9mabove the sector's middle half▲ 266%
Equity€0.6m-€0.6m▲ 3.5%€0.7mwithin the sector's middle half▲ 12.9%€0.8mwithin the sector's middle half▲ 20.9%€1.2mwithin the sector's middle half▲ 57.2%€1.4mwithin the sector's middle half-€1.0mwithin the sector's middle half▼ 28.2%€1.8mwithin the sector's middle half▲ 71.6%
Total assets€2.4m-€2.5m▲ 6.0%€3.2mwithin the sector's middle half▲ 30.0%€4.4mabove the sector's middle half▲ 35.8%€5.1mabove the sector's middle half▲ 16.4%€5.5mabove the sector's middle half-€5.2mabove the sector's middle half▼ 6.2%€6.4mabove the sector's middle half▲ 23.8%
Debt€1.8m-€1.9m▲ 6.8%€2.6m▲ 35.1%€3.6m▲ 39.5%€3.9m▲ 7.4%€4.1m-€4.1m▲ 1.6%€4.6m▲ 11.9%
Working capital-€0.8m--€0.7m▲ 3.6%-€1.1mbelow the sector's middle half▼ 41.6%-€0.8mbelow the sector's middle half▲ 22.5%-€0.6mbelow the sector's middle half▲ 28.0%-€0.6mbelow the sector's middle half--€1.0mbelow the sector's middle half▼ 56.6%-€0.4mbelow the sector's middle half▲ 55.1%
Solvency23.8%-23.3%▼ 0.6pp20.2%below the sector's middle half▼ 3.0pp18.0%below the sector's middle half▼ 2.2pp24.3%below the sector's middle half▲ 6.3pp26.2%within the sector's middle half-20.0%below the sector's middle half▼ 6.1pp27.8%within the sector's middle half▲ 7.7pp
Current ratio0.01-0.04▲ 0.040.01below the sector's middle half▼ 0.040.05below the sector's middle half▲ 0.040.25below the sector's middle half▲ 0.210.28below the sector's middle half-0.03below the sector's middle half▼ 0.250.37within the sector's middle half▲ 0.34
Return on assets (ROA)6.9%-0.8%▼ 6.1pp2.3%within the sector's middle half▲ 1.5pp3.1%within the sector's middle half▲ 0.8pp8.8%within the sector's middle half▲ 5.7pp3.6%within the sector's middle half-4.5%within the sector's middle half▲ 0.9pp13.3%above the sector's middle half▲ 8.8pp
Staff (FTE)0within the sector's middle half-0within the sector's middle half0within the sector's middle half
above within below The sector band is the middle half of the companies in Financial service activities, except insurance and pension funding (NACE 64). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.4m
Fixed assets €6.2m ▲ 19.8%
Current assets €248,846 ▲ 690%
Equity and liabilities €6.4m
Equity €1.8m ▲ 71.6%
Debt €4.6m ▲ 11.9%
Debt's share of the balance-sheet total falls from 80.0% to 72.2%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
ROE
48.0%▲
2024 · 22.5%
Debt ≤ 1 year
€676,591▼
2024 · €985,145
Debt > 1 year
€4.0m▲
2024 · €3.2m
Income taxes
€45,591▲
2024 · €23,600
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.

Securities and guarantees

on own assets and for others
Item30-06-202230-06-2023202320242025
Debts secured on the company's own assets€406,467-€3.2m--
Mortgages, amount registered€698,000€698,000€698,000--
Carrying value of the mortgaged assets€339,976€321,811€4.3m--

Source: notes to the 2022 to 2025 annual accounts (statement of debts and off-balance-sheet rights and commitments)

Investments

fixed assets acquired
Item30-06-202230-06-2023202320242025
Tangible fixed assets€1.2m€737,283€435,135€46,066€1.2m
Financial fixed assets--€6,637--
Depreciation and write-downs of the year€112,511€136,720€80,008€179,922€187,940

Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)

Comparable companies

These companies have the same main activity as CROMARMA: activities of holding companies (NACE 64210). They are comparable in size and age: total assets between €4.4m and €8.2m, founded between 2009 and 2013.

CompanyFoundedTotal assetsEquityGross marginNet resultFTEFinancial year
CROMARMA Kinrooi2011€6.4m€1.8m€0.3m€0.9m02025
LR & CO Tongeren-Borgloon2013€6.3m€5.3m€0.3m€0.3m0.12025
LINDENDREEF Destelbergen2010€6.8m€4.9m€0.3m€0.2m02025
THIMATVER Jabbeke2011€6.1m€5.4m€0.3m€0.04m02025
ARBO INVEST Brecht2009€6.5m€3.0m€0.3m€0.4m02025
COELINVEST Puurs-Sint-Amands2010€8.2m€7.7m€0.3m€2.0m02025
Jonal Invest BVBA As2010€4.4m€4.2m€0.3m€0.3m02025

They were chosen from the 20,095 other active companies with that main activity and annual accounts from the past two years. All companies with this main activity

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines

Source: Annual accounts 2025 at the NBB, filed on 16-07-2026.

Balance sheet Code20242025
Assets
Total assets20/58€5.2m€6.4m▲
Fixed assets21/28€5.2m€6.2m▲
Tangible fixed assets22/27€4.2m€5.2m▲
Land and buildings22€4.2m€5.2m▲
Financial fixed assets28€0.9m€0.9m=
Current assets29/58€0.03m€0.2m▲
Amounts receivable within one year40/41€0.007m€0.1m▲
Trade receivables40€0.007m€0.004m▼
Other amounts receivable41-€0.1m
Current investments50/53-€0.1m
Cash at bank and in hand54/58€0.02m€0.004m▼
Deferred charges and accrued income490/1€0.008m€0.007m▼
Equity and liabilities
Total equity and liabilities10/49€5.2m€6.4m▲
Equity10/15€1.0m€1.8m▲
Contributions10/11€0.009m€0.009m=
Reserves13€1.0m€1.8m▲
Non-distributable reserves130/1-€0.4m
Reserves not available under the articles1311-€0.4m
Distributable reserves133€1.0m€1.4m▲
Profit (loss) carried forward14-€0
Amounts payable17/49€4.1m€4.6m▲
Amounts payable after more than one year17€3.2m€4.0m▲
Financial debts170/4€3.2m€4.0m▲
Amounts payable within one year42/48€1.0m€0.7m▼
Current portion of amounts payable after more than one year42€0.4m€0.5m▲
Trade debts44€0.01m€0.04m▲
Suppliers440/4€0.01m€0.04m▲
Taxes, remuneration and social security45€0.01m€0.05m▲
Taxes450/3€0.01m€0.05m▲
Other amounts payable47/48€0.5m€0.1m▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.2m€0.2m▲
Other operating charges640/8€0.001m€0.002m▲
Non-recurring operating charges66A-€0.1m
Gross operating margin9900€0.4m€0.3m▼
Operating profit (loss)9901€0.2m-€0.004m▼
Financial income75/76B€0.2m€1.0m▲
Recurring financial income75€0.2m€1.0m▲
Financial charges65/66B€0.1m€0.1m▼
Recurring financial charges65€0.1m€0.1m▼
Profit (loss) for the period before taxes9903€0.3m€0.9m▲
Income taxes67/77€0.02m€0.05m▲
Profit (loss) for the period9904€0.2m€0.9m▲
Profit (loss) for the period to be appropriated9905€0.2m€0.9m▲
Appropriation of the result
Profit (loss) to be appropriated9906€0.2m€0.9m▲
Transfer from equity791/2-€0.1m
Transfer to equity691/2€0.2m€0.9m▲
To other reserves6921€0.2m€0.9m▲
Profit to be distributed694/7-€0.1m
Return on contributions (dividend)694-€0.1m
Social balance sheet
Average headcount (FTE)90870.00.0=

The notes to these accounts have 16 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.

Line20192020202120222023202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0.06m€0.08m€0.1m€0.1m€0.1m€0.08m€0.2m€0.2m▲ 4.5%
Other operating charges640/8---€0.002m€0.003m€0.001m€0.001m€0.002m▲ 66.7%
Non-recurring operating charges66A----€0.08m€0-€0.1m-
Gross operating margin9900€0.1m€0.1m€0.1m€0.1m€0.2m€0.2m€0.4m€0.3m▼ 11.8%
Operating profit (loss)9901€0.08m€0.07m€0.02m€0.02m-€0.02m€0.07m€0.2m-€0.004m-
Financial income75/76B---€0.2m€0.6m€0.2m€0.2m€1.0m▲ 401%
Recurring financial income75€0.1m-€0.1m€0.2m€0.6m€0.2m€0.2m€1.0m▲ 401%
Financial charges65/66B---€0.07m€0.1m€0.05m€0.1m€0.1m▼ 7.5%
Recurring financial charges65€0.04m€0.05m€0.06m€0.07m€0.1m€0.05m€0.1m€0.1m▼ 7.5%
Profit (loss) for the period before taxes9903€0.2m€0.02m€0.08m€0.2m€0.5m€0.2m€0.3m€0.9m▲ 250%
Income taxes67/77€0.009m€0.002m€0.008m€0.01m€0.05m€0.02m€0.02m€0.05m▲ 93.2%
Profit (loss) for the period9904€0.2m€0.02m€0.08m€0.1m€0.5m€0.2m€0.2m€0.9m▲ 266%
Profit (loss) for the period to be appropriated9905€0.2m€0.02m€0.08m€0.1m€0.5m€0.2m€0.2m€0.9m▲ 266%
Line20192020202120222023202320242025Change
Assets
Total assets20/58€2.4m€2.5m€3.2m€4.4m€5.1m€5.5m€5.2m€6.4m▲ 23.8%
Fixed assets21/28€2.4m€2.5m€3.2m€4.4m€4.9m€5.3m€5.2m€6.2m▲ 19.8%
Tangible fixed assets22/27€1.4m€1.5m€2.3m€3.4m€4.0m€4.3m€4.2m€5.2m▲ 24.2%
Land and buildings22---€3.4m€4.0m€4.3m€4.2m€5.2m▲ 24.2%
Furniture and vehicles24---€0.04m-----
Financial fixed assets28€0.9m€0.9m€0.9m€0.9m€0.9m€0.9m€0.9m€0.9m=
Current assets29/58€0.005m€0.03m€0.007m€0.04m€0.2m€0.2m€0.03m€0.2m▲ 690%
Amounts receivable within one year40/41€0.004m€0.004m€0.004m€0.004m€0.004m€0.2m€0.007m€0.1m▲ 21×
Trade receivables40---€0.004m€0.004m€0.03m€0.007m€0.004m▼ 39.0%
Other amounts receivable41-----€0.2m-€0.1m-
Current investments50/53-------€0.1m-
Cash at bank and in hand54/58€0.001m€0.03m€128€0.03m€0.2m€0.02m€0.02m€0.004m▼ 75.3%
Deferred charges and accrued income490/1---€0.006m-€0.001m€0.008m€0.007m▼ 8.5%
Equity and liabilities
Total equity and liabilities10/49€2.4m€2.5m€3.2m€4.4m€5.1m€5.5m€5.2m€6.4m▲ 23.8%
Equity10/15€0.6m€0.6m€0.7m€0.8m€1.2m€1.4m€1.0m€1.8m▲ 71.6%
Contributions10/11€0.5m--€0.5m€0.5m€0.5m€0.009m€0.009m=
Reserves13€0.09m€0.1m€0.2m€0.3m€0.8m€1.0m€1.0m€1.8m▲ 72.2%
Non-distributable reserves130/1-------€0.4m-
Reserves not available under the articles1311-------€0.4m-
Distributable reserves133---€0.3m€0.8m€1.0m€1.0m€1.4m▲ 33.4%
Profit (loss) carried forward14-------€0-
Amounts payable17/49€1.8m€1.9m€2.6m€3.6m€3.9m€4.1m€4.1m€4.6m▲ 11.9%
Amounts payable after more than one year17€1.0m€1.1m€1.5m€2.8m€3.1m€3.2m€3.2m€4.0m▲ 25.3%
Financial debts170/4---€2.8m€3.1m€3.2m€3.2m€4.0m▲ 25.3%
Amounts payable within one year42/48€0.8m€0.8m€1.1m€0.9m€0.8m€0.8m€1.0m€0.7m▼ 31.3%
Current portion of amounts payable after more than one year42---€0.2m€0.3m€0.4m€0.4m€0.5m▲ 14.7%
Trade debts44-€0.003m€0.2m€0.08m€0.04m€0.06m€0.01m€0.04m▲ 308%
Suppliers440/4---€0.08m€0.04m€0.06m€0.01m€0.04m▲ 308%
Taxes, remuneration and social security45---€0.02m€0.07m€0.07m€0.01m€0.05m▲ 375%
Taxes450/3---€0.02m€0.07m€0.07m€0.01m€0.05m▲ 375%
Other amounts payable47/48---€0.6m€0.4m€0.4m€0.5m€0.1m▼ 81.3%
Line20192020202120222023202320242025Change
Profit (loss) for the period9904€0.2m€0.02m€0.08m€0.1m€0.5m€0.2m€0.2m€0.9m▲ 266%
+ Depreciation and write-downs630€0.06m€0.08m€0.1m€0.1m€0.1m€0.08m€0.2m€0.2m▲ 4.5%
Operating cash flow (approximation)€0.2m€0.1m€0.2m€0.2m€0.6m€0.3m€0.4m€1.0m▲ 152%
Investment in fixed assets (approximation)--€0.2m-€0.9m-€1.2m-€0.7m--€0.05m-€1.2m▼ 2,520%
Change in cash-€0.03m-€0.03m€0.03m€0.2m--€0.004m-€0.01m▼ 243%

A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.

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Latest 10 of 15 filings with the National Bank
Financial year Type Filed Reference Document
31-12-2025 abbreviated format 16-07-2026 2026-00303870 NBB
31-12-2024 abbreviated format 23-06-2025 2025-00179009 PDF
31-12-2023 abbreviated format 13-02-2025 2025-00035868 PDF
30-06-2023 abbreviated format 15-12-2023 2023-00533697 PDF
30-06-2022 abbreviated format 31-01-2023 2023-00021322 PDF
30-06-2021 abbreviated format 07-01-2022 2022-00800273 PDF
30-06-2020 abbreviated format 07-01-2021 2021-00500005 PDF
30-06-2019 abbreviated format 05-12-2019 2019-75300211 PDF
30-06-2018 abbreviated format 26-11-2018 2018-72700388 PDF
30-06-2017 micro format 19-12-2017 2017-72100165 PDF

Show all 15 filings

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