CROMBEZ MARC
ActiveCROMBEZ MARC has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.17M and a net result of €55k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 78% of 7692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-1
Solvency94▲+3
Growth52=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 3.4 against 3.1 in 2024; short-term debt: 18.7% and cash: 25.4% of total assets), and 31% 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+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
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
69%
Return on assets
3.2%
Age of the figures
12 mo
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 06-01-2026, 114 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
114 d early
2024
132 d early
2023
133 d early
2022
138 d early
2021
143 d early
2020
134 d early
2019
35 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
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.17M▲ 4.9%
2024 · €1.12M
2019: €793k
2020: €831k
2021: €912k
2022: €958k
2023: €1.04M
2024: €1.12M
2019 → 2025
Total assets
€1.70M▼ 0.1%
2024 · €1.70M
2019: €1.62M
2020: €1.47M
2021: €1.69M
2022: €1.64M
2023: €1.69M
2024: €1.70M
2019 → 2025
Net result
€55k▼ 29.5%
2024 · €78k
2019: €425k
2020: €189k
2021: €381k
2022: €246k
2023: €282k
2024: €78k
2019 → 2025
Working capital
€763k▲ 11.2%
2024 · €687k
2019: €397k
2020: €541k
2021: €664k
2022: €673k
2023: €789k
2024: €687k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€912k-€958k▲ 5.0%€1.04M▲ 8.5%€1.12M▲ 7.5%€1.17M▲ 4.9%
Operating result€419k-€267k▼ 36.2%€319k▲ 19.3%€127k▼ 60.1%€94k▼ 26.4%
Net result€381k-€246k▼ 35.5%€282k▲ 14.6%€78k▼ 72.2%€55k▼ 29.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 26% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.70M
Fixed assets
€619k▼ 10.2%
Current assets
€1.08M▲ 6.7%
Equity and liabilities €1.70M
Equity
€1.17M▲ 4.9%
Debt
€527k▼ 9.9%
The debt ratio falls from 34.3% to 31.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€294k▲
2024 · €287k
Cash flow
€255k▲
2024 · €238k
Solvency
69.0%▲
2024 · 65.7%
Current ratio
3.40▲
2024 · 3.10
Quick ratio
2.56▲
2024 · 1.75
Debt / equity
0.45▼
2024 · 0.52
ROE
4.7%▼
2024 · 7.0%
ROA
3.2%▼
2024 · 4.6%
Interest coverage
17.41▲
2024 · 11.15
Debt
€527k▼
2024 · €584k
Debt ≤ 1 year
€318k▼
2024 · €327k
Debt > 1 year
€205k▼
2024 · €254k
Income taxes
€25k▲
2024 · €24k
Staff costs
€683k▼
2024 · €686k
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€1.70M€1.70M▼
Fixed assets21/28€689k€619k▼
Tangible fixed assets22/27€684k€614k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€321k€319k▼
Furniture and vehicles24€361k€269k▼
Assets under construction and advance payments27-€25k
Financial fixed assets28€4k€4k=
Current assets29/58€1.01M€1.08M▲
Stocks and contracts in progress3€441k€267k▼
Stocks30/36€91k€71k▼
Contracts in progress37€350k€196k▼
Amounts receivable within one year40/41€259k€357k▲
Trade receivables40€154k€276k▲
Other amounts receivable41€105k€82k▼
Cash at bank and in hand54/58€292k€432k▲
Deferred charges and accrued income490/1€21k€24k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.70M▼
Equity10/15€1.12M€1.17M▲
Contributions10/11€19k€19k=
Reserves13€1.10M€1.15M▲
Distributable reserves133€1.10M€1.15M▲
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€584k€527k▼
Amounts payable after more than one year17€254k€205k▼
Financial debts170/4€254k€205k▼
Amounts payable within one year42/48€327k€318k▼
Current portion of amounts payable after more than one year42€114k€135k▲
Financial debts43€15k€0▼
Credit institutions430/8€15k€0▼
Trade debts44€171k€172k▲
Suppliers440/4€171k€172k▲
Taxes, remuneration and social security45€24k€10k▼
Taxes450/3€960€221▼
Remuneration and social security454/9€23k€10k▼
Other amounts payable47/48€3k€512▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Non-recurring operating income76A€0€9k▲
Remuneration, social security and pensions62€686k€683k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€160k€200k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€338€0▼
Other operating charges640/8€14k€17k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€987k€994k▲
Operating profit (loss)9901€127k€94k▼
Financial income75/76B€1k€3k▲
Recurring financial income75€1k€3k▲
Financial charges65/66B€26k€17k▼
Recurring financial charges65€26k€17k▼
Profit (loss) for the period before taxes9903€103k€80k▼
Income taxes67/77€24k€25k▲
Profit (loss) for the period9904€78k€55k▼
Profit (loss) for the period to be appropriated9905€78k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€60k▼
Profit (loss) brought forward from the previous period14P€1k€4k▲
Transfer to equity691/2€75k€55k▼
To other reserves6921€75k€55k▼
Profit to be distributed694/7€0-
Directors or managers695€0-
Social balance
Average headcount (FTE)908712.411.0▼
The notes to these accounts (21 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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
Financial
Weakest financial yearnet €55k ▼29.5%
Net result drops to €55k, the lowest in the series.
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-09
Financial
Equity above €1MEq €1.04M ▲8.5%
5 profitable years in a row build equity to €1.04M.
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
08-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
17-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
25-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
22-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
25-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB 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 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Diksmuide · 1 establishment unit since 1995
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.
Heernisse(D) 28600 DiksmuideGround area
2,848 m²
Building footprint
1,017 m²
Volume, LiDAR
5,175 m³
Parcel 32003D0701/00C003, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CROMBEZ MARC
since 19952.072.118.156
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32003D0701/00C003 | Flanders | 2,848 m² | 1 · 1,017 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
2022 to 2024 · 3 entries · 2,216 EUR awarded · 2,216 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 641 EUR | 641 EUR |
| 2023 | 1 | 905 EUR | 905 EUR |
| 2022 | 1 | 670 EUR | 670 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Recognised contractor
10 categoriesCROMBEZ MARC BV29680
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Of 8,452 companies in sector 43120 we hold annual accounts for 3,231. 1,581 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-05-1995
Fiscal year end30-09
Activities, NACEBEL
43120Site preparation
43990Other specialised construction activities
43999Specialised construction activities
45112
45250
42110Construction of roads and motorways
43350Other building finishing work
45230
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.