CROSSWISE CREATIONS
ActiveCROSSWISE CREATIONS has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €62k and a net result of €20k. Equity is growing by ~67.2% per year across the filed fiscal years. Its solvency ranks better than 13% of 27407 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency5▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity short (current ratio 0.28 against 0.46 in 2024), and 92.6% 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 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
7.4%
Return on assets
2.4%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 27407 sector peers (2025).
NBB · sector comparisonPosition among 27407 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
44 d early
2023
41 d early
2022
41 d early
2021
39 d early
2020
5 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€62k▲ 46.9%
2024 · €42k
2019: €-155k
2020: €-181k
2021: €-104k
2022: €-52k
2023: €-19k
2024: €42k
2019 → 2025
Total assets
€830k▼ 7.6%
2024 · €898k
2019: €666k
2020: €691k
2021: €765k
2022: €822k
2023: €781k
2024: €898k
2019 → 2025
Net result
€20k▼ 67.6%
2024 · €61k
2019: €-6k
2020: €-26k
2021: €76k
2022: €52k
2023: €33k
2024: €61k
2019 → 2025
Working capital
€-552k▼ 24.7%
2024 · €-443k
2019: €-722k
2020: €-755k
2021: €-654k
2022: €-567k
2023: €-533k
2024: €-443k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-104k-€-52k▲ 50.1%€-19k▲ 63.8%€42k€62k▲ 46.9%
Operating result€74k-€49k▼ 34.0%€32k▼ 33.3%€60k▲ 86.2%€22k▼ 64.1%
Net result€76k-€52k▼ 31.9%€33k▼ 36.3%€61k▲ 83.3%€20k▼ 67.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 64% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €830k
Fixed assets
€614k▲ 17.0%
Current assets
€216k▼ 42.3%
Equity and liabilities €830k
Equity
€62k▲ 46.9%
Debt
€768k▼ 10.3%
The debt ratio falls from 95.3% to 92.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€110k▼
2024 · €139k
Cash flow
€108k▼
2024 · €139k
Solvency
7.4%▲
2024 · 4.7%
Current ratio
0.28▼
2024 · 0.46
Quick ratio
0.25▼
2024 · 0.43
Debt / equity
12.45▼
2024 · 20.40
ROE
31.9%▼
2024 · 144.8%
ROA
2.4%▼
2024 · 6.8%
Interest coverage
1628.75▲
2024 · 1574.64
Debt
€768k▼
2024 · €856k
Debt ≤ 1 year
€768k▼
2024 · €816k
Income taxes
€2k▲
2024 · €376
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€898k€830k▼
Fixed assets21/28€525k€614k▲
Tangible fixed assets22/27€525k€614k▲
Land and buildings22€303k€286k▼
Plant, machinery and equipment23€193k€307k▲
Furniture and vehicles24€28k€21k▼
Current assets29/58€373k€216k▼
Stocks and contracts in progress3€25k€22k▼
Stocks30/36€25k€22k▼
Amounts receivable within one year40/41€224k€183k▼
Trade receivables40€214k€181k▼
Other amounts receivable41€10k€1k▼
Cash at bank and in hand54/58€124k€11k▼
Deferred charges and accrued income490/1€546€550▲
Equity and liabilities
Total equity and liabilities10/49€898k€830k▼
Equity10/15€42k€62k▲
Contributions10/11€12k€12k=
Reserves13€30k€49k▲
Distributable reserves133€30k€49k▲
Amounts payable17/49€856k€768k▼
Amounts payable within one year42/48€816k€768k▼
Trade debts44€20k€8k▼
Suppliers440/4€20k€8k▼
Taxes, remuneration and social security45€376€2k▲
Taxes450/3€376€2k▲
Other amounts payable47/48€796k€758k▼
Accrued charges and deferred income492/3€40k-
Income statement
Code20242025
Non-recurring operating income76A€191€288▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€79k€88k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€142k€113k▼
Operating profit (loss)9901€60k€22k▼
Financial income75/76B€859€306▼
Recurring financial income75€859€306▼
Financial charges65/66B€88€68▼
Recurring financial charges65€88€68▼
Profit (loss) for the period before taxes9903€61k€22k▼
Income taxes67/77€376€2k▲
Profit (loss) for the period9904€61k€20k▼
Profit (loss) for the period to be appropriated9905€61k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€20k▼
Profit (loss) brought forward from the previous period14P€-31k-
Transfer to equity691/2€30k€20k▼
To other reserves6921€30k€20k▼
The notes to these accounts (7 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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
18-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Back to profitnet €76k
Net result €76k after 2 loss-making years.
26-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
2019
13-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
10-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
14-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Schoten · 1 establishment unit since 2012
Ground area
85 m²
Parcel 11040D0213/00E002, Flanders. Linked by address, not a title deed.
1 establishment unit
CROSSWISE CREATIONS
since 20122.212.542.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0213/00E002 | Flanders | 85 m² | - | - |
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.
Similar companies · same sector, comparable size
ADK COMPANY
BE 0768.658.286
Tienen · Eq €62k
YANSENNE CONSTRUCT
BE 0873.338.906
Liège · Eq €62k
Maris Maatwerk
BE 0827.627.952
Landen · Eq €62k
M & R ALUTEC
BE 0684.802.083
Brussel · Eq €62k
Dakwerken Decorte
BE 0778.406.885
Zedelgem · Eq €62k
Of 19,947 companies in sector 43320 we hold annual accounts for 9,086. 7,509 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2012
Fiscal year end30-06
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.