CRUYSVELTSTEDE
ActiveSummary
CRUYSVELTSTEDE has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €857k and a net result of €-7k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 50% of 401 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▲+7
Solvency65▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity short (current ratio 0.01 against 0.2 in 2024; short-term debt: 41.7% and cash: 0.3% of total assets), and 59.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 42
Relative position
BE, all sectors
reference
Sector 42
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
40.5%
Return on assets
-0.3%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-7k
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 02-07-2026, 29 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
29 d early
2024
45 d early
2023
36 d early
2022
13 d early
2021
2 d early
2020
48 d early
2019
50 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€857k▼ 0.8%
2024 · €863k
2018: €835k
2019: €833k
2020: €764k
2021: €1.01M
2022: €991k
2023: €938k
2024: €863k
2018 → 2025
Total assets
€2.12M▼ 12.5%
2024 · €2.42M
2018: €3.24M
2019: €3.06M
2020: €3.03M
2021: €2.47M
2022: €2.74M
2023: €2.49M
2024: €2.42M
2018 → 2025
Net result
€-7k▲ 91.0%
2024 · €-75k
2018: €137k
2019: €-1k
2020: €-70k
2021: €248k
2022: €-20k
2023: €-53k
2024: €-75k
2018 → 2025
Working capital
€-876k▲ 4.8%
2024 · €-920k
2018: €1.23M
2019: €951k
2020: €824k
2021: €-313k
2022: €-1.02M
2023: €-897k
2024: €-920k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.01M-€991k▼ 2.0%€938k▼ 5.3%€863k▼ 8.0%€857k▼ 0.8%
Operating result€10k-€-117k€-73k▲ 37.2%€-51k▲ 30.3%€-5k▲ 91.1%
Net result€248k-€-20k€-53k▼ 164%€-75k▼ 41.2%€-7k▲ 91.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €51k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.12M
Fixed assets
€2.11M ▼ 3.7%
Current assets
€7k ▼ 96.8%
Equity and liabilities €2.12M
Equity
€857k ▼ 0.8%
Provisions
€101k ▼ 4.9%
Debt
€1.16M ▼ 20.0%
Debt's share of the balance-sheet total falls from 59.9% to 54.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€78k▲
2024 · €33k
Cash flow
€76k▲
2024 · €9k
Current ratio
0.01▼
2024 · 0.20
Debt to equity
1.35▼
2024 · 1.68
ROE
-0.8%▲
2024 · -8.7%
ROA
-0.3%▲
2024 · -3.1%
Interest coverage
10.38▲
2024 · 5.59
Debt ≤ 1 year
€883k▼
2024 · €1.15M
Debt > 1 year
€276k▼
2024 · €301k
Staff costs
€47k▲
2024 · €45k
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 · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.42M€2.12M▼
Fixed assets21/28€2.19M€2.11M▼
Tangible fixed assets22/27€2.19M€2.11M▼
Land and buildings22€2.19M€2.11M▼
Plant, machinery and equipment23€193€73▼
Furniture and vehicles24-€306
Current assets29/58€226k€7k▼
Stocks and contracts in progress3€173k-
Stocks30/36€173k-
Amounts receivable within one year40/41-€25
Other amounts receivable41-€25
Cash at bank and in hand54/58€53k€6k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€2.42M€2.12M▼
Equity10/15€863k€857k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€466k€457k▼
Reserves13€512k€506k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€233k€217k▼
Distributable reserves133€274k€283k▲
Profit (loss) carried forward14€-180k€-171k▲
Investment grants15€3k€3k▼
Provisions and deferred taxes16€106k€101k▼
Deferred taxes168€106k€101k▼
Amounts payable17/49€1.45M€1.16M▼
Amounts payable after more than one year17€301k€276k▼
Financial debts170/4€301k€276k▼
Amounts payable within one year42/48€1.15M€883k▼
Current portion of amounts payable after more than one year42€25k€26k▲
Trade debts44€133€111▼
Suppliers440/4€133€111▼
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€3k€3k▼
Remuneration and social security454/9€8k€9k▲
Other amounts payable47/48€1.11M€846k▼
Accrued charges and deferred income492/3€80-
Income statement
Code20242025
Non-recurring operating income76A€2k-
Remuneration, social security and pensions62€45k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€83k▼
Other operating charges640/8€11k€10k▼
Gross operating margin9900€89k€135k▲
Operating profit (loss)9901€-51k€-5k▲
Financial income75/76B€98€98=
Recurring financial income75€98€98=
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€-57k€-12k▲
Transfer from deferred taxes780€5k€5k=
Income taxes67/77€23k-
Profit (loss) for the period9904€-75k€-7k▲
Transfer from tax-exempt reserves789€16k€16k=
Profit (loss) for the period to be appropriated9905€-59k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-180k€-171k▲
Profit (loss) brought forward from the previous period14P€-121k€-180k▼
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-75k
Net result drops to €-75k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €248k
Net result €248k after 2 loss-making years.
31-12
Financial
Equity above €1MEq €1.01M ▲32.4%
Equity rises from €764k to €1.01M.
13-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
23-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Buggenhout · 1 establishment unit since 2001
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.
Maricolenweg 369255 BuggenhoutGround area
611 m²
Building footprint
299 m²
Volume, LiDAR
2,342 m³
Parcel 42004A0136/00A000, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Maricolenweg 36, 9255 Buggenhout
since 20012.093.341.162
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004A0136/00A000 | Flanders | 611 m² | 1 · 299 m² | 13.3 m · 3 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 394 companies in sector 42990 we hold annual accounts for 182. 83 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 formPublic limited company
Founded22-03-2001
Fiscal year end31-12
Activities, NACEBEL 2025
42990Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.