Dr. M. Cromheecke
ActiveThe computed 12-month bankruptcy probability of Dr. M. Cromheecke is 2.0% (moderate). The 2025 annual accounts show equity of €294k and a net result of €291k. Equity is growing by ~49.5% per year across the filed fiscal years. The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.0%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 33.23 against 6.73 in 2024; short-term debt: 2.9% and cash: 76.7% of total assets), and 2.9% of the assets are financed with debt.
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
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
97.1%
Return on assets
96.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 06-01-2026, 114 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
114 d early
2024
64 d early
2023
28 d early
2022
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€294k▲ 11.3%
2024 · €264k
2022: €25k
2023: €106k
2024: €264k
2022 → 2025
Total assets
€302k▼ 1.9%
2024 · €308k
2022: €33k
2023: €134k
2024: €308k
2022 → 2025
Net result
€291k▲ 59.1%
2024 · €183k
2022: €22k
2023: €82k
2024: €183k
2022 → 2025
Working capital
€280k▲ 10.7%
2024 · €253k
2022: €14k
2023: €96k
2024: €253k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€25k-€106k▲ 333%€264k▲ 148%€294k▲ 11.3%
Operating result€30k-€105k▲ 244%€244k▲ 132%€386k▲ 58.3%
Net result€22k-€82k▲ 265%€183k▲ 123%€291k▲ 59.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 58% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €302k
Fixed assets
€14k▲ 23.1%
Current assets
€288k▼ 2.8%
Equity and liabilities €302k
Equity
€294k▲ 11.3%
Debt
€9k▼ 80.3%
The debt ratio falls from 14.3% to 2.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€390k▲
2024 · €247k
Cash flow
€294k▲
2024 · €185k
Solvency
97.1%▲
2024 · 85.7%
Current ratio
33.23▲
2024 · 6.73
Quick ratio
33.23▲
2024 · 6.73
Debt / equity
0.03▼
2024 · 0.17
ROE
99.0%▲
2024 · 69.2%
ROA
96.1%▲
2024 · 59.3%
Interest coverage
4256.87▲
2024 · 629.64
Debt
€9k▼
2024 · €44k
Debt ≤ 1 year
€9k▼
2024 · €44k
Income taxes
€99k▲
2024 · €63k
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€308k€302k▼
Fixed assets21/28€11k€14k▲
Tangible fixed assets22/27€7k€11k▲
Plant, machinery and equipment23€5k€9k▲
Furniture and vehicles24€1k€1k▼
Financial fixed assets28€5k€3k▼
Current assets29/58€297k€288k▼
Amounts receivable within one year40/41€643€415▼
Other amounts receivable41€643€415▼
Current investments50/53€125k€0▼
Cash at bank and in hand54/58€118k€232k▲
Deferred charges and accrued income490/1€53k€56k▲
Equity and liabilities
Total equity and liabilities10/49€308k€302k▼
Equity10/15€264k€294k▲
Contributions10/11€3k€3k=
Reserves13€261k€291k▲
Distributable reserves133€261k€291k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€44k€9k▼
Amounts payable within one year42/48€44k€9k▼
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€43k€3k▼
Taxes450/3€43k€3k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€141€144▲
Gross operating margin9900€247k€390k▲
Operating profit (loss)9901€244k€386k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Non-recurring financial income76B-€164
Financial charges65/66B€392€92▼
Recurring financial charges65€392€92▼
Profit (loss) for the period before taxes9903€246k€390k▲
Income taxes67/77€63k€99k▲
Profit (loss) for the period9904€183k€291k▲
Profit (loss) for the period to be appropriated9905€183k€291k▲
Appropriation of the result
Profit (loss) to be appropriated9906€183k€291k▲
Transfer from equity791/2€25k€261k▲
Transfer to equity691/2€183k€291k▲
To other reserves6921€183k€291k▲
Profit to be distributed694/7€25k€261k▲
Return on contributions (dividend)694€25k€261k▲
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
01-09
State Gazette act
Board meeting · Director resignation
Permanent representative · Director appointment
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €291k ▲59.1%
Operating result €386k, net result €291k, both a record.
30-09
Financial
Liquidity times 5current ratio 33.23
Current ratio from 6.73 to 33.23; short-term debt falls from €44k to €9k.
25-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €200kEq €264k ▲148%
3 profitable years in a row build equity to €264k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Equity above €100kEq €106k ▲333%
2 profitable years in a row build equity to €106k.
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneState Gazette actNBB 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, Lievegem · 1 establishment unit since 2021
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.
Grote Steenweg 279930 LievegemGround area
748 m²
Building footprint
271 m²
Volume, LiDAR
1,345 m³
Parcel 44080B1011/00K000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dr. M. Cromheecke
since 20212.319.758.463
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44080B1011/00K000 | Flanders | 748 m² | 1 · 271 m² | 9.9 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2021
Fiscal year end30-09
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.