ERIC CREMER
ActiveSummary
ERIC CREMER has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €827,216 and a net result of €118,491. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 57% of 10522 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▼-14
Solvency69▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50,000 at 30 days acceptable
Liquidity ample (current ratio 1.57 against 1.68 in 2024; short-term debt: 54.8% and cash: 33.2% of total assets), but 56.2% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 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
Retail trade (NACE 47)
about 45% 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
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
43.8%
Return on assets
6.3%
Age of the figures
9 mo
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 21-07-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
28 d late
2023
1 d early
2022
10 d early
2021
30 d late
2020
57 d early
2019
8 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 4 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
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. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€118,491▼ 28.8%
2024 · €166,325
Working capital
€590,166▼ 8.2%
2024 · €643,010
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€172,168▼ 24.4%€183,850▲ 6.8%€303,141▲ 64.9%€330,845▲ 9.1%€283,904▼ 14.2%
Net result€87,376within the sector's middle half▼ 30.5%€98,933within the sector's middle half▲ 13.2%€165,218above the sector's middle half▲ 67.0%€166,325above the sector's middle half▲ 0.7%€118,491above the sector's middle half▼ 28.8%
Equity€943,250above the sector's middle half▲ 10.2%€793,183above the sector's middle half▼ 15.9%€958,401above the sector's middle half▲ 20.8%€849,935within the sector's middle half▼ 11.3%€827,216above the sector's middle half▼ 2.7%
Total assets€1.5mwithin the sector's middle half▼ 1.6%€1.5mwithin the sector's middle half▲ 0.8%€1.7mwithin the sector's middle half▲ 13.7%€1.9mwithin the sector's middle half▲ 10.7%€1.9mabove the sector's middle half▲ 1.9%
Debt€518,706▼ 17.6%€680,394▲ 31.2%€717,535▲ 5.5%€1.0m▲ 40.0%€1.1m▲ 5.8%
Working capital€788,967above the sector's middle half▲ 11.8%€625,572above the sector's middle half▼ 20.7%€748,445above the sector's middle half▲ 19.6%€643,010above the sector's middle half▼ 14.1%€590,166above the sector's middle half▼ 8.2%
Solvency64.5%above the sector's middle half▲ 6.9pp53.8%within the sector's middle half▼ 10.7pp57.2%above the sector's middle half▲ 3.4pp45.8%within the sector's middle half▼ 11.4pp43.8%within the sector's middle half▼ 2.1pp
Current ratio2.78above the sector's middle half▲ 0.472.01within the sector's middle half▼ 0.772.18within the sector's middle half▲ 0.171.68within the sector's middle half▼ 0.501.57within the sector's middle half▼ 0.11
Return on assets (ROA)6.0%within the sector's middle half▼ 2.5pp6.7%within the sector's middle half▲ 0.7pp9.9%above the sector's middle half▲ 3.1pp9.0%within the sector's middle half▼ 0.9pp6.3%within the sector's middle half▼ 2.7pp
Staff (FTE)4.4within the sector's middle half▲ 7.3%4.8within the sector's middle half▲ 9.1%4.9within the sector's middle half▲ 2.1%4within the sector's middle half▼ 18.4%4.7within the sector's middle half▲ 17.5%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.9m
Fixed assets
€264,061 ▲ 0.8%
Current assets
€1.6m ▲ 2.1%
Equity and liabilities €1.9m
Equity
€827,216 ▼ 2.7%
Debt
€1.1m ▲ 5.8%
Debt's share of the balance-sheet total rises from 54.2% to 56.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€318,261▼
2024 · €362,714
Cash flow
€152,847▼
2024 · €198,194
Quick ratio
0.88▼
2024 · 0.93
Debt to equity
1.29▲
2024 · 1.18
ROE
14.3%▼
2024 · 19.6%
Interest coverage
2.82▼
2024 · 4.12
Debt ≤ 1 year
€1.0m▲
2024 · €949,810
Debt > 1 year
€27,011▼
2024 · €54,971
Income taxes
€54,938▼
2024 · €78,204
Staff costs
€311,406▲
2024 · €260,492
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 31,370 companies that looked in July 2024 the way this one looks now, 0.5% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.5%
went bankrupt
5.9%
stopped otherwise
93%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.5% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 31,370 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €21,896 | €52,559 | €27,773 | €38,220 | €1,168 | ▼ 96.9% |
| Remuneration, social security and pensions62 | €244,202 | €290,935 | €318,720 | €260,492 | €311,406 | ▲ 19.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,417 | €38,386 | €38,997 | €31,870 | €34,357 | ▲ 7.8% |
| Other operating charges640/8 | €8,864 | €11,059 | €11,551 | €12,618 | €10,542 | ▼ 16.4% |
| Non-recurring operating charges66A | €5,743 | €2,389 | €1,139 | €24,267 | -€46,264 | ▼ 291% |
| Gross operating margin9900 | €465,394 | €526,619 | €673,548 | €660,092 | €593,945 | ▼ 10.0% |
| Operating profit (loss)9901 | €172,168 | €183,850 | €303,141 | €330,845 | €283,904 | ▼ 14.2% |
| Financial income75/76B | €79 | €7 | €392 | €1,805 | €2,243 | ▲ 24.3% |
| Recurring financial income75 | €79 | €7 | €392 | €1,805 | €2,243 | ▲ 24.3% |
| Financial charges65/66B | €45,845 | €42,099 | €63,700 | €88,122 | €112,719 | ▲ 27.9% |
| Recurring financial charges65 | €45,845 | €42,099 | €63,700 | €88,122 | €112,719 | ▲ 27.9% |
| Profit (loss) for the period before taxes9903 | €126,402 | €141,758 | €239,833 | €244,528 | €173,429 | ▼ 29.1% |
| Income taxes67/77 | €39,026 | €42,825 | €74,615 | €78,204 | €54,938 | ▼ 29.8% |
| Profit (loss) for the period9904 | €87,376 | €98,933 | €165,218 | €166,325 | €118,491 | ▼ 28.8% |
| Transfer from tax-exempt reserves789 | €0 | - | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €87,376 | €98,933 | €165,218 | €166,325 | €118,491 | ▼ 28.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.5m | €1.5m | €1.7m | €1.9m | €1.9m | ▲ 1.9% |
| Fixed assets21/28 | €230,272 | €230,426 | €292,203 | €261,896 | €264,061 | ▲ 0.8% |
| Intangible fixed assets21 | €2,000 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €227,652 | €229,806 | €291,583 | €261,277 | €263,441 | ▲ 0.8% |
| Land and buildings22 | €176,400 | €165,080 | €153,760 | €142,440 | €131,120 | ▼ 7.9% |
| Plant, machinery and equipment23 | €23,391 | €23,557 | €28,569 | €30,240 | €44,072 | ▲ 45.7% |
| Furniture and vehicles24 | €16,436 | €27,768 | €19,956 | €5,230 | €14,306 | ▲ 174% |
| Other tangible fixed assets26 | €11,425 | €13,402 | €89,298 | €83,367 | €73,943 | ▼ 11.3% |
| Financial fixed assets28 | €620 | €620 | €620 | €620 | €620 | = |
| Current assets29/58 | €1.2m | €1.2m | €1.4m | €1.6m | €1.6m | ▲ 2.1% |
| Stocks and contracts in progress3 | €559,656 | €604,428 | €710,589 | €709,487 | €714,057 | ▲ 0.6% |
| Stocks30/36 | €559,656 | €604,428 | €710,589 | €709,487 | €714,057 | ▲ 0.6% |
| Amounts receivable within one year40/41 | €219,078 | €319,244 | €246,763 | €271,646 | €276,172 | ▲ 1.7% |
| Trade receivables40 | €193,104 | €286,021 | €246,263 | €271,646 | €253,847 | ▼ 6.6% |
| Other amounts receivable41 | €25,974 | €33,222 | €500 | €0 | €22,325 | - |
| Current investments50/53 | - | - | €50,000 | €60,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €452,950 | €319,480 | €369,683 | €544,074 | €628,148 | ▲ 15.5% |
| Deferred charges and accrued income490/1 | - | - | €6,699 | €7,615 | €7,946 | ▲ 4.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.5m | €1.5m | €1.7m | €1.9m | €1.9m | ▲ 1.9% |
| Equity10/15 | €943,250 | €793,183 | €958,401 | €849,935 | €827,216 | ▼ 2.7% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €924,650 | €774,583 | €939,801 | €831,335 | €808,616 | ▼ 2.7% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €0 | - | - |
| Tax-exempt reserves132 | €10,850 | - | - | - | - | - |
| Distributable reserves133 | €911,940 | €772,723 | €937,941 | €831,335 | €808,616 | ▼ 2.7% |
| Profit (loss) carried forward14 | - | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €518,706 | €680,394 | €717,535 | €1.0m | €1.1m | ▲ 5.8% |
| Amounts payable after more than one year17 | €75,989 | €62,814 | €82,247 | €54,971 | €27,011 | ▼ 50.9% |
| Financial debts170/4 | €75,989 | €62,814 | €82,247 | €54,971 | €27,011 | ▼ 50.9% |
| Amounts payable within one year42/48 | €442,717 | €617,580 | €635,288 | €949,810 | €1.0m | ▲ 9.1% |
| Current portion of amounts payable after more than one year42 | €16,997 | €13,175 | €26,604 | €27,276 | €27,960 | ▲ 2.5% |
| Trade debts44 | €37,608 | €87,444 | €73,690 | €70,871 | €107,332 | ▲ 51.4% |
| Suppliers440/4 | €37,608 | €87,444 | €73,690 | €70,871 | €107,332 | ▲ 51.4% |
| Advances received on contracts in progress46 | €70,182 | €98,316 | €109,950 | €102,914 | €58,816 | ▼ 42.8% |
| Taxes, remuneration and social security45 | €66,850 | €99,628 | €115,966 | €183,953 | €133,764 | ▼ 27.3% |
| Taxes450/3 | €39,566 | €67,673 | €80,963 | €148,986 | €95,906 | ▼ 35.6% |
| Remuneration and social security454/9 | €27,283 | €31,955 | €35,003 | €34,966 | €37,858 | ▲ 8.3% |
| Other amounts payable47/48 | €251,080 | €319,017 | €309,078 | €564,797 | €708,284 | ▲ 25.4% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €87,376 | €98,933 | €165,218 | €166,325 | €118,491 | ▼ 28.8% |
| + Depreciation and write-downs630 | €34,417 | €38,386 | €38,997 | €31,870 | €34,357 | ▲ 7.8% |
| Operating cash flow (approximation) | €121,793 | €137,319 | €204,215 | €198,194 | €152,847 | ▼ 22.9% |
| Investment in fixed assets (approximation) | - | -€38,540 | -€100,774 | -€1,563 | -€36,521 | ▼ 2,236% |
| Change in cash | - | -€133,471 | €50,204 | €174,390 | €84,074 | ▼ 51.8% |
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €166,325 ▲0.7%
Operating result €330,845, net result €166,325, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €87,376 ▼30.5%
Net result drops to €87,376, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 37 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Bastogne · 1 establishment unit since 2003
Ground area
1,577 m²
Building footprint
178 m²
Volume, LiDAR
833 m³
Parcel 82017A0377/00D000, Wallonia · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Bourcy 735, 6600 Bastogne
since 20032.126.974.428
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82017A0377/00D000 | Wallonia | 1,577 m² | 1 · 178 m² | 8.1 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.
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Of 1,512 companies in sector 47540 we hold annual accounts for 806. 541 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
Founded04-04-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47540Retail sale of electrical household appliances
43211General electrical installation work
43240Other construction installation
95210Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Contact
Phone
061 21 81 54Bastogne
Fax
061 21 81 26Bastogne
E-invoicing
Reachable via Peppol
Peppol ID
0208:0479941152
Registered
24-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.