DE CRAEMER

Active

Private limited companyfounded 20205 yrs activeGistelse Steenweg 73, 8200 Brugge, BelgiumKBO/BCE: BE 0755.686.814

The computed 12-month bankruptcy probability of DE CRAEMER is 1.6% (moderate). The 2025 annual accounts show equity of €59k and a net result of €11k. Equity is growing by ~30.4% per year across the filed fiscal years. Its solvency ranks better than 74% of 18024 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

80 / 100

Excellent▼ -11 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability97▼-3

Solvency97▼-1

Growth78=

Stability94

Bankruptcy probability, 12 months

1.6% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €5k at 30 days acceptable

Liquidity ample (current ratio 1.9 against 1.93 in 2024), and 37.4% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

62.6%

Return on assets

12.1%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.

NBB · 5 filings

Deviation from the deadline

2025

2 d early

2024

31 d early

2023

61 d late

2022

on the day

2021

31 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€59k▼ 12.7%

2024 · €68k

2021: €17k 2022: €35k 2023: €52k 2024: €68k

2021 → 2025

Total assets

€94k▼ 11.9%

2024 · €107k

2021: €167k 2022: €106k 2023: €102k 2024: €107k

2021 → 2025

Net result

€11k▼ 46.3%

2024 · €21k

2021: €-3k 2022: €17k 2023: €18k 2024: €21k

2021 → 2025

Working capital

€32k▼ 10.9%

2024 · €36k

2021: €7k 2022: €20k 2023: €31k 2024: €36k

2021 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20212022202320242025Trend

Equity€17k-€35k▲ 99.5%€52k▲ 50.9%€68k▲ 29.3%€59k▼ 12.7%

Operating result€1k-€21k▲ 1,354%€24k▲ 16.6%€30k▲ 22.6%€17k▼ 43.5%

Net result€-3k-€17k€18k▲ 2.0%€21k▲ 20.8%€11k▼ 46.3%

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 43% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €94k

28.9%

71.1%

Fixed assets €27k▼ 17.3%

Current assets €67k▼ 9.2%

Equity and liabilities €94k

62.6%

37.4%

Equity €59k▼ 12.7%

Debt €35k▼ 10.6%

The debt ratio rises from 36.9% to 37.4%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€23k▼

2024 · €36k

Cash flow

€17k▼

2024 · €27k

Solvency

62.6%▼

2024 · 63.1%

Current ratio

1.90▼

2024 · 1.93

Quick ratio

0.44▼

2024 · 0.50

Debt / equity

0.60▲

2024 · 0.58

ROE

19.4%▼

2024 · 31.5%

ROA

12.1%▼

2024 · 19.9%

Interest coverage

16.12▼

2024 · 23.73

Debt

€35k▼

2024 · €39k

Debt ≤ 1 year

€35k▼

2024 · €38k

Debt > 1 year

€0▼

2024 · €1k

Income taxes

€4k▼

2024 · €8k

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€107k€94k▼

Formation expenses20€263€0▼

Fixed assets21/28€33k€27k▼

Intangible fixed assets21€2k€1k▼

Tangible fixed assets22/27€31k€26k▼

Plant, machinery and equipment23€581€419▼

Furniture and vehicles24€6k€5k▼

Other tangible fixed assets26€25k€21k▼

Current assets29/58€74k€67k▼

Stocks and contracts in progress3€55k€51k▼

Stocks30/36€55k€51k▼

Amounts receivable within one year40/41€5k€2k▼

Trade receivables40€3k€1k▼

Other amounts receivable41€2k€742▼

Cash at bank and in hand54/58€14k€13k▼

Deferred charges and accrued income490/1€85€30▼

Equity and liabilities

Total equity and liabilities10/49€107k€94k▼

Equity10/15€68k€59k▼

Contributions10/11€20k€20k=

Reserves13€15k€15k=

Distributable reserves133€15k€15k=

Profit (loss) carried forward14€33k€24k▼

Amounts payable17/49€39k€35k▼

Amounts payable after more than one year17€1k€0▼

Financial debts170/4€1k€0▼

Amounts payable within one year42/48€38k€35k▼

Current portion of amounts payable after more than one year42€14k€1k▼

Trade debts44€4k€5k▲

Suppliers440/4€4k€5k▲

Advances received on contracts in progress46€6k€6k▼

Taxes, remuneration and social security45€8k€9k▲

Taxes450/3€8k€9k▲

Other amounts payable47/48€6k€14k▲

Accrued charges and deferred income492/3€128€0▼

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-117€2k▲

Other operating charges640/8€837€847▲

Gross operating margin9900€36k€25k▼

Operating profit (loss)9901€30k€17k▼

Financial income75/76B€363€33▼

Recurring financial income75€363€33▼

Financial charges65/66B€2k€1k▼

Recurring financial charges65€2k€1k▼

Profit (loss) for the period before taxes9903€29k€16k▼

Income taxes67/77€8k€4k▼

Profit (loss) for the period9904€21k€11k▼

Profit (loss) for the period to be appropriated9905€21k€11k▼

Appropriation of the result

Profit (loss) to be appropriated9906€54k€44k▼

Profit (loss) brought forward from the previous period14P€32k€33k▲

Transfer to equity691/2€15k€0▼

To other reserves6921€15k€0▼

Profit to be distributed694/7€6k€20k▲

Return on contributions (dividend)694€6k€20k▲

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

Next filing, fiscal year 2026, expected by 31-07-2027

2026

29-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2021net €21k ▲20.8%

Operating result €30k, net result €21k, both a record.

30-09

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 61 days late

2023

31-07

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

31-12

Financial Back to profitnet €17k

Net result €17k after one loss-making year.

30-06

NBB filing Annual accounts filed

fiscal year 2021 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Brugge · 1 establishment unit since 2020

establishment The establishment unit on the map

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.

Gistelse Steenweg 738200 Brugge

Ground area

282 m²

Building footprint

128 m²

Volume, LiDAR

972 m³

Parcel 31027D0371/00Z003, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.

1 establishment unit

HET MOTIEF - STOFFENHUIS

Gistelse Steenweg 73, 8200 BruggeManufacture of wearing apparel

since 20202.308.812.410

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
31027D0371/00Z003	Flanders	282 m²	1 · 128 m²	13.6 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.

Public money · subsidies and aid

Flemish government

2022 · 1 entry · 54 EUR awarded · 54 EUR paid

Year	Entries	awarded	paid
2022	1	54 EUR	54 EUR

Schemes

Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)

1 entry · 54 EUR · 54 EUR paid · Fonds voor Innoveren en Ondernemen

Similar companies · same sector, comparable size

DOCHEZ-HOTTON DECORATION

BE 0457.287.890

Hensies · Eq €58k

Of 1,268 companies in sector 47512 we hold annual accounts for 579. 464 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded05-10-2020

Fiscal year end31-12

Activities, NACEBEL

47512Retail sale of household textiles and bedding

46411Wholesale trade

85599Other education

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.hetmotief.be/

Establishment Brugge 2.308.812.410

E-mail:info@hetmotief.be

Establishment Brugge 2.308.812.410