CROMHEEKE JORIS
ActiveCROMHEEKE JORIS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €14k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 23% of 7391 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-1
Solvency42▼-1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.89 against 1.12 in 2024; short-term debt: 47.3% and cash: 13.6% of total assets), and 83.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
16.6%
Return on assets
2.4%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7391 sector peers (2025).
NBB · sector comparisonPosition among 7391 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
23 d early
2023
36 d early
2022
26 d early
2021
9 d late
2020
39 d early
2019
36 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 17.3%
2024 · €80k
2019: €35k
2020: €51k
2021: €70k
2022: €86k
2023: €87k
2024: €80k
2019 → 2025
Total assets
€562k▲ 29.0%
2024 · €436k
2019: €150k
2020: €204k
2021: €174k
2022: €187k
2023: €138k
2024: €436k
2019 → 2025
Net result
€14k▼ 15.0%
2024 · €16k
2019: €23k
2020: €16k
2021: €20k
2022: €10k
2023: €12k
2024: €16k
2019 → 2025
Working capital
€-31k
2024 · €16k
2019: €14k
2020: €71k
2021: €35k
2022: €57k
2023: €58k
2024: €16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€70k-€86k▲ 22.9%€87k▲ 0.6%€80k▼ 8.5%€93k▲ 17.3%
Operating result€25k-€12k▼ 50.2%€15k▲ 19.3%€22k▲ 45.8%€26k▲ 21.6%
Net result€20k-€10k▼ 49.9%€12k▲ 24.7%€16k▲ 31.4%€14k▼ 15.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 22% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €562k
Fixed assets
€327k▲ 14.5%
Current assets
€235k▲ 56.5%
Equity and liabilities €562k
Equity
€93k▲ 17.3%
Debt
€469k▲ 31.6%
The debt ratio rises from 81.7% to 83.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€56k▲
2024 · €40k
Cash flow
€43k▲
2024 · €35k
Solvency
16.6%▼
2024 · 18.3%
Current ratio
0.89▼
2024 · 1.12
Quick ratio
0.87▼
2024 · 1.09
Debt / equity
5.02▲
2024 · 4.48
ROE
14.7%▼
2024 · 20.3%
ROA
2.4%▼
2024 · 3.7%
Interest coverage
7.08▼
2024 · 20.79
Debt
€469k▲
2024 · €356k
Debt ≤ 1 year
€266k▲
2024 · €135k
Debt > 1 year
€203k▼
2024 · €222k
Income taxes
€5k▲
2024 · €4k
Staff costs
€209k▲
2024 · €118k
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€436k€562k▲
Fixed assets21/28€285k€327k▲
Tangible fixed assets22/27€285k€327k▲
Land and buildings22€258k€311k▲
Plant, machinery and equipment23€11k€10k▼
Furniture and vehicles24€7k€2k▼
Leasing and similar rights25€11k€3k▼
Current assets29/58€150k€235k▲
Stocks and contracts in progress3€4k€5k▲
Stocks30/36€4k€5k▲
Amounts receivable within one year40/41€16k€151k▲
Trade receivables40€15k€150k▲
Other amounts receivable41€1k€640▼
Cash at bank and in hand54/58€129k€77k▼
Deferred charges and accrued income490/1€984€3k▲
Equity and liabilities
Total equity and liabilities10/49€436k€562k▲
Equity10/15€80k€93k▲
Contributions10/11€19k€19k=
Reserves13€61k€75k▲
Distributable reserves133€61k€75k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€356k€469k▲
Amounts payable after more than one year17€222k€203k▼
Financial debts170/4€222k€203k▼
Amounts payable within one year42/48€135k€266k▲
Current portion of amounts payable after more than one year42€65k€57k▼
Trade debts44€21k€134k▲
Suppliers440/4€21k€134k▲
Taxes, remuneration and social security45€14k€30k▲
Taxes450/3€8k€17k▲
Remuneration and social security454/9€7k€14k▲
Other amounts payable47/48€34k€45k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€118k€209k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€30k▲
Other operating charges640/8€2k€4k▲
Gross operating margin9900€160k€269k▲
Operating profit (loss)9901€22k€26k▲
Financial income75/76B€730€0▼
Recurring financial income75€730€0▼
Financial charges65/66B€2k€8k▲
Recurring financial charges65€2k€8k▲
Profit (loss) for the period before taxes9903€20k€18k▼
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€16k€14k▼
Profit (loss) for the period to be appropriated9905€16k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€14k▼
Transfer from equity791/2€7k€0▼
Transfer to equity691/2€0€14k▲
To other reserves6921€0€14k▲
Profit to be distributed694/7€24k€0▼
Return on contributions (dividend)694€24k€0▼
The notes to these accounts (9 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €10k ▼49.9%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Waasmunster · 1 establishment unit since 2018
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.
Neerstraat 311/B9250 WaasmunsterGround area
495 m²
Building footprint
125 m²
Volume, LiDAR
26 m³
Parcel 42342C0123/00M000, Flanders · tallest building 1.0 m. Linked by address, not a title deed.
1 establishment unit
CROMHEEKE JORIS
since 20182.277.459.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C0123/00M000 | Flanders | 495 m² | 1 · 125 m² | 1.0 m |
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.
Recognitions · licences · registrations
Dual-learning approval
4 endedSimilar companies · same sector, comparable size
BOUWBEDRIJF GEVACO
BE 0880.396.447
Mol · Eq €93k
AXIOME CONSTRUCTION
BE 1002.597.938
Waremme · Eq €93k
KARA & ZONEN
BE 0874.541.508
Gent · Eq €93k
Vedigo
BE 0794.676.854
Aalter · Eq €93k
Au bouton
BE 0430.629.619
Ukkel · Eq €93k
Of 29,803 companies in sector 41001 we hold annual accounts for 16,040. 13,171 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-2018
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.