CRONTAB
ActiveSummary
CRONTAB is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €158k and a net result of €51k. Equity is shrinking by ~32.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 65% of 6156 sector peers (fiscal year 2024). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €158k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-05-2025, 76 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
76 d early
2023
30 d late
2022
77 d early
2021
83 d early
2020
13 d late
2019
39 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€158k▲ 47.8%
2023 · €107k
2018: €410k
2019: €413k
2020: €427k
2021: €80k
2022: €110k
2023: €107k
2018 → 2024
Net result
€51k▲ 205%
2023 · €17k
2018: €5k
2019: €3k
2020: €30k
2021: €33k
2022: €30k
2023: €17k
2018 → 2024
Total assets
€232k▲ 18.0%
2023 · €196k
2018: €440k
2019: €428k
2020: €451k
2021: €171k
2022: €183k
2023: €196k
2018 → 2024
Solvency
68.1%▲ 13.7pp
2023 · 54.3%
2018: 93.0%
2019: 96.5%
2020: 94.8%
2021: 47.1%
2022: 59.9%
2023: 54.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€427k-€80k▼ 81.2%€110k▲ 37.0%€107k▼ 3.0%€158k▲ 47.8%
Operating result€42k-€51k▲ 20.6%€46k▼ 9.5%€30k▼ 33.7%€77k▲ 152%
Net result€30k-€33k▲ 10.2%€30k▼ 10.2%€17k▼ 43.7%€51k▲ 205%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 152% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €232k
Fixed assets
€48k ▼ 24.5%
Current assets
€184k ▲ 38.1%
Equity and liabilities €232k
Equity
€158k ▲ 47.8%
Debt
€74k ▼ 17.5%
Debt's share of the balance-sheet total falls from 45.7% to 31.9%. Equity is higher and debt is lower.
Key figures and ratios
ROE
32.3%▲
2023 · 15.7%
ROA
22.0%▲
2023 · 8.5%
Debt ≤ 1 year
€60k▼
2023 · €64k
Debt > 1 year
€14k▼
2023 · €26k
Income taxes
€22k▲
2023 · €9k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€196k€232k▲
Fixed assets21/28€63k€48k▼
Tangible fixed assets22/27€63k€48k▼
Land and buildings22€11k€11k▼
Furniture and vehicles24€1k€2k▲
Leasing and similar rights25€51k€35k▼
Current assets29/58€133k€184k▲
Amounts receivable within one year40/41€16k€78k▲
Trade receivables40€13k€74k▲
Other amounts receivable41€3k€4k▲
Cash at bank and in hand54/58€114k€103k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€196k€232k▲
Equity10/15€107k€158k▲
Contributions10/11€6k€6k=
Reserves13€100k€151k▲
Distributable reserves133€100k€151k▲
Amounts payable17/49€90k€74k▼
Amounts payable after more than one year17€26k€14k▼
Financial debts170/4€26k€14k▼
Amounts payable within one year42/48€64k€60k▼
Current portion of amounts payable after more than one year42€12k€12k▲
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€14k€40k▲
Taxes450/3€12k€38k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€33k€3k▼
Income statement
Code20232024
Non-recurring operating income76A€826-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€53k€100k▲
Operating profit (loss)9901€30k€77k▲
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€26k€73k▲
Income taxes67/77€9k€22k▲
Profit (loss) for the period9904€17k€51k▲
Profit (loss) for the period to be appropriated9905€17k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€51k▲
Transfer from equity791/2€20k-
Transfer to equity691/2€17k€51k▲
To other reserves6921€17k€51k▲
Profit to be distributed694/7€20k-
Return on contributions (dividend)694€20k-
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €51k ▲205%
Operating result €77k, net result €51k, both a record.
31-12
Financial
Equity above €150kEq €158k ▲47.8%
7 profitable years in a row build equity to €158k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €110k ▲37%
5 profitable years in a row build equity to €110k.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼31%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
24-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
15-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
25-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Ieper · 1 establishment unit since 2008
Ground area
649 m²
Building footprint
144 m²
Volume, LiDAR
791 m³
Parcel 33303E0249/00F002, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CRONTAB BVBA
since 20082.173.132.867
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33303E0249/00F002 | Flanders | 649 m² | 1 · 144 m² | 8.6 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,310 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-07-2008
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:kristof.derdaele@gmail.com
Phone:0478723452