ELS DE CRAIM
ActiveSummary
ELS DE CRAIM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The latest annual accounts of ELS DE CRAIM were filed more than 90 days after the deadline. The 2024 annual accounts show equity of €397k and a net result of €73k. Equity is growing by ~80.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 6156 sector peers (fiscal year 2024). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Filing: Filed more than 90 days late
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
+raises risk
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-01-2026, 162 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
162 d late
2023
128 d late
2022
107 d late
2021
145 d late
2020
304 d late
2019
98 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€397k▲ 22.4%
2023 · €324k
2018: €22k
2019: €21k
2020: €21k
2021: €89k
2022: €295k
2023: €324k
2018 → 2024
Net result
€73k▼ 40.9%
2023 · €123k
2018: €9k
2019: €-980
2020: €375
2021: €68k
2022: €215k
2023: €123k
2018 → 2024
Total assets
€1.21M▲ 15.9%
2023 · €1.05M
2018: €257k
2019: €263k
2020: €554k
2021: €619k
2022: €1.11M
2023: €1.05M
2018 → 2024
Solvency
32.7%▲ 1.7pp
2023 · 31.0%
2018: 8.5%
2019: 7.9%
2020: 3.8%
2021: 14.4%
2022: 26.6%
2023: 31.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€89k▲ 321%€295k▲ 231%€324k▲ 9.8%€397k▲ 22.4%
Operating result€3k-€98k▲ 3,142%€307k▲ 214%€174k▼ 43.4%€109k▼ 37.2%
Net result€375-€68k▲ 18,042%€215k▲ 216%€123k▼ 42.9%€73k▼ 40.9%
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 has fallen two years in a row; 2024 is 37% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.21M
Fixed assets
€992k ▲ 37.6%
Current assets
€220k ▼ 32.1%
Equity and liabilities €1.21M
Equity
€397k ▲ 22.4%
Debt
€816k ▲ 13.0%
Debt's share of the balance-sheet total falls from 69.0% to 67.3%. Equity and debt are higher.
Key figures and ratios
ROE
18.3%▼
2023 · 37.9%
ROA
6.0%▼
2023 · 11.7%
Debt ≤ 1 year
€167k▼
2023 · €196k
Debt > 1 year
€649k▲
2023 · €526k
Income taxes
€28k▼
2023 · €44k
Staff costs
€432k▲
2023 · €335k
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 · 2024 against 2023 · 52 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.05M€1.21M▲
Fixed assets21/28€721k€992k▲
Intangible fixed assets21€661k€580k▼
Tangible fixed assets22/27€59k€412k▲
Land and buildings22-€294k
Plant, machinery and equipment23€2k€6k▲
Furniture and vehicles24€50k€101k▲
Other tangible fixed assets26€7k€11k▲
Financial fixed assets28€750€750=
Current assets29/58€325k€220k▼
Amounts receivable within one year40/41€95k€85k▼
Trade receivables40€95k€62k▼
Other amounts receivable41-€23k
Current investments50/53€143k€697▼
Cash at bank and in hand54/58€73k€124k▲
Deferred charges and accrued income490/1€14k€10k▼
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.21M▲
Equity10/15€324k€397k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€304k€376k▲
Amounts payable17/49€722k€816k▲
Amounts payable after more than one year17€526k€649k▲
Financial debts170/4€526k€649k▲
Amounts payable within one year42/48€196k€167k▼
Current portion of amounts payable after more than one year42€73k€80k▲
Trade debts44€37k€32k▼
Suppliers440/4€37k€32k▼
Taxes, remuneration and social security45€81k€51k▼
Taxes450/3€44k-
Remuneration and social security454/9€37k€51k▲
Other amounts payable47/48€4k€3k▼
Accrued charges and deferred income492/3€88€395▲
Income statement
Code20232024
Remuneration, social security and pensions62€335k€432k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€106k€123k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€617k€668k▲
Operating profit (loss)9901€174k€109k▼
Financial income75/76B€492€4k▲
Recurring financial income75€492€4k▲
Financial charges65/66B€8k€12k▲
Recurring financial charges65€8k€12k▲
Profit (loss) for the period before taxes9903€167k€101k▼
Income taxes67/77€44k€28k▼
Profit (loss) for the period9904€123k€73k▼
Profit (loss) for the period to be appropriated9905€123k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€404k€376k▼
Profit (loss) brought forward from the previous period14P€281k€304k▲
Profit to be distributed694/7€100k-
Return on contributions (dividend)694€100k-
Social balance
Average headcount (FTE)9087-6.2
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 162 days late
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 128 days late
2023
15-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 107 days late
2022
31-12
Financial
Highest result since 2018net €215k ▲216%
Operating result €307k, net result €215k, both a record.
31-12
Financial
Equity above €200kEq €295k ▲231%
3 profitable years in a row build equity to €295k.
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 145 days late
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 304 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 1.41
Current ratio from 0.65 to 1.41.
2020
31-12
Financial
Back to profitnet €375
Net result €375 after one loss-making year.
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 98 days late
2019
31-12
Financial
Weakest financial yearnet €-980 ▼110%
Net result drops to €-980, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Liedekerke · 1 establishment unit since 2017
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.
St-Gabriëlstraat 681770 LiedekerkeGround area
287 m²
Building footprint
87 m²
Volume, LiDAR
556 m³
Parcel 23762C0281/00B002, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DECRA FIN
since 20172.270.554.521
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23762C0281/00B002 | Flanders | 287 m² | 1 · 87 m² | 9.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 960 EUR awarded · 960 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 960 EUR | 960 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 807 companies in sector 64999 we hold annual accounts for 484. 307 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 formPrivate limited company
Founded11-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
66191Agents and brokers in banking services
65122Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.