CROUX P.
ActiveSummary
CROUX P. has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.02M and a net result of €168k. Equity is growing by ~15.3% per year across the filed fiscal years. Its solvency ranks better than 63% of 8048 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability75▼-9
Solvency82▲+1
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 4.91 against 5.2 in 2024; short-term debt: 20.3% and cash: 3.1% of total assets), and 42.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
57.1%
Return on assets
4.7%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← 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
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
3 d early
2020
3 d early
2019
16 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.02M▲ 9.0%
2024 · €1.86M
Total assets
€3.55M▲ 7.7%
2024 · €3.29M
Net result
€168k▼ 57.6%
2024 · €395k
Working capital
€2.82M▲ 6.2%
2024 · €2.65M
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€105k€92k▼ 12.1%€514k▲ 459%€537k▲ 4.6%€247k▼ 54.1%
Net result€73k€60k▼ 18.1%€375k▲ 526%€395k▲ 5.4%€168k▼ 57.6%
Equity€1.03M▲ 7.7%€1.09M▲ 5.8%€1.46M▲ 34.5%€1.86M▲ 27.0%€2.02M▲ 9.0%
Total assets€2.40M▼ 14.9%€2.93M▲ 22.4%€3.02M▲ 3.1%€3.29M▲ 8.9%€3.55M▲ 7.7%
Debt€1.37M▼ 26.5%€1.85M▲ 34.8%€1.56M▼ 15.3%€1.44M▼ 8.0%€1.52M▲ 6.0%
Working capital€1.69M▲ 6.5%€1.91M▲ 12.9%€2.25M▲ 18.0%€2.65M▲ 17.9%€2.82M▲ 6.2%
Staff (FTE)1.4▼ 30.0%1▼ 28.6%1=1=1=
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.55M
Fixed assets
€12k ▲ 25.2%
Current assets
€3.54M ▲ 7.7%
Equity and liabilities €3.55M
Equity
€2.02M ▲ 9.0%
Debt
€1.52M ▲ 6.0%
Debt's share of the balance-sheet total falls from 43.6% to 42.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€250k▼
2024 · €543k
Cash flow
€171k▼
2024 · €401k
Current ratio
4.91▼
2024 · 5.20
Quick ratio
0.35▼
2024 · 0.56
Debt to equity
0.75▼
2024 · 0.77
ROE
8.3%▼
2024 · 21.3%
ROA
4.7%▼
2024 · 12.0%
Interest coverage
85.16▼
2024 · 86.45
Debt ≤ 1 year
€720k▲
2024 · €632k
Debt > 1 year
€803k▼
2024 · €805k
Income taxes
€79k▼
2024 · €137k
Staff costs
€54k▼
2024 · €54k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €43k | €48k | €54k | €54k | ▼ 0.3% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €107 | €4k | €5k | €4k | ▼ 35.4% |
| Other operating charges640/8 | - | €4k | €3k | €6k | €7k | ▲ 11.3% |
| Non-recurring operating charges66A | - | €3k | €1k | €0 | - | - |
| Gross operating margin9900 | €214k | €141k | €570k | €603k | €311k | ▼ 48.5% |
| Operating profit (loss)9901 | €105k | €92k | €514k | €537k | €247k | ▼ 54.1% |
| Financial income75/76B | - | €178 | €843 | €1k | €3k | ▲ 137% |
| Recurring financial income75 | €979 | €178 | €843 | €1k | €3k | ▲ 137% |
| Financial charges65/66B | - | €3k | €3k | €6k | €3k | ▼ 53.2% |
| Recurring financial charges65 | €6k | €3k | €3k | €6k | €3k | ▼ 53.2% |
| Profit (loss) for the period before taxes9903 | €100k | €89k | €512k | €532k | €246k | ▼ 53.7% |
| Income taxes67/77 | €27k | €29k | €137k | €137k | €79k | ▼ 42.5% |
| Profit (loss) for the period9904 | €73k | €60k | €375k | €395k | €168k | ▼ 57.6% |
| Profit (loss) for the period to be appropriated9905 | €73k | €60k | €375k | €395k | €168k | ▼ 57.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €2.40M | €2.93M | €3.02M | €3.29M | €3.55M | ▲ 7.7% |
| Fixed assets21/28 | - | €3k | €5k | €10k | €12k | ▲ 25.2% |
| Tangible fixed assets22/27 | - | €3k | €5k | €10k | €6k | ▼ 36.5% |
| Plant, machinery and equipment23 | - | €3k | €2k | €5k | €3k | ▼ 49.9% |
| Furniture and vehicles24 | - | - | €3k | €0 | - | - |
| Other tangible fixed assets26 | - | - | - | €5k | €4k | ▼ 21.6% |
| Financial fixed assets28 | - | - | - | - | €6k | - |
| Current assets29/58 | €2.40M | €2.93M | €3.02M | €3.28M | €3.54M | ▲ 7.7% |
| Stocks and contracts in progress3 | €2.20M | €2.59M | €2.73M | €2.93M | €3.29M | ▲ 12.1% |
| Stocks30/36 | - | €2.59M | €2.73M | €2.93M | €3.29M | ▲ 12.1% |
| Amounts receivable within one year40/41 | €164k | €284k | €87k | €155k | €137k | ▼ 11.6% |
| Trade receivables40 | - | €281k | €87k | €154k | €124k | ▼ 19.3% |
| Other amounts receivable41 | - | €3k | €0 | €1k | €13k | ▲ 796% |
| Cash at bank and in hand54/58 | €26k | €47k | €197k | €193k | €109k | ▼ 43.6% |
| Deferred charges and accrued income490/1 | - | €6k | €4k | €3k | €4k | ▲ 12.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €2.40M | €2.93M | €3.02M | €3.29M | €3.55M | ▲ 7.7% |
| Equity10/15 | €1.03M | €1.09M | €1.46M | €1.86M | €2.02M | ▲ 9.0% |
| Contributions10/11 | - | €50k | €50k | €50k | €50k | = |
| Reserves13 | €977k | €1.04M | €1.41M | €1.81M | €1.97M | ▲ 9.3% |
| Non-distributable reserves130/1 | - | €5k | €5k | €5k | €5k | = |
| Reserves not available under the articles1311 | - | €5k | €5k | €5k | €5k | = |
| Distributable reserves133 | - | €1.03M | €1.41M | €1.80M | €1.97M | ▲ 9.3% |
| Amounts payable17/49 | €1.37M | €1.85M | €1.56M | €1.44M | €1.52M | ▲ 6.0% |
| Amounts payable after more than one year17 | €652k | €823k | €792k | €805k | €803k | ▼ 0.2% |
| Financial debts170/4 | - | €27k | €0 | - | - | - |
| Other amounts payable178/9 | - | €796k | €792k | €805k | €803k | ▼ 0.2% |
| Amounts payable within one year42/48 | €708k | €1.02M | €770k | €632k | €720k | ▲ 14.0% |
| Current portion of amounts payable after more than one year42 | - | €45k | €27k | €0 | - | - |
| Financial debts43 | - | €0 | - | €154k | €59k | ▼ 61.5% |
| Credit institutions430/8 | - | €0 | - | €154k | €59k | ▼ 61.5% |
| Trade debts44 | €597k | €939k | €566k | €454k | €642k | ▲ 41.4% |
| Suppliers440/4 | - | €939k | €566k | €454k | €642k | ▲ 41.4% |
| Taxes, remuneration and social security45 | - | €39k | €177k | €25k | €20k | ▼ 20.6% |
| Taxes450/3 | - | €29k | €169k | €17k | €10k | ▼ 42.0% |
| Remuneration and social security454/9 | - | €10k | €9k | €8k | €10k | ▲ 26.8% |
| Accrued charges and deferred income492/3 | - | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €73k | €60k | €375k | €395k | €168k | ▼ 57.6% |
| + Depreciation and write-downs630 | - | €107 | €4k | €5k | €4k | ▼ 35.4% |
| Operating cash flow (approximation) | €73k | €60k | €379k | €401k | €171k | ▼ 57.3% |
| Investment in fixed assets (approximation) | - | - | €-7k | €-10k | €-6k | ▲ 39.6% |
| Change in cash | - | €21k | €150k | €-4k | €-84k | ▼ 2,090% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Equity above €2MEq €2.02M ▲9%
5 profitable years in a row build equity to €2.02M.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €395k ▲5.4%
Operating result €537k, net result €395k, both a record.
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
30-06
Financial
Equity above €1MEq €1.03M ▲7.7%
Equity rises from €953k to €1.03M.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-01
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.
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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, Bocholt · 1 establishment unit since 2013
Ground area
152 m²
Building footprint
152 m²
Volume, LiDAR
860 m³
Parcel 72003B0040/00S006, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CROUX P.
since 20132.218.254.693
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72003B0040/00S006 | Flanders | 152 m² | 1 · 152 m² | 9.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
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Of 2,129 companies in sector 46711 we hold annual accounts for 1,126. 477 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-04-2013
Fiscal year end30-06
Activities, NACEBEL 2025
46711Wholesale of cars and light vans (up to 3.5 tonnes)
46630Wholesale trade
47811Retail sale of cars and light vans (up to 3.5 tonnes)
47820Retail sale of motor vehicle parts and accessories
46180Agents specialised in the wholesale of other particular products
Scores and ratios are computed by Checked and are not a credit decision.