GREMA
ActiveGREMA has been active since 1981 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €433k and a net result of €10k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability40▼-33
Solvency59▲+3
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.25 against 1.88 in 2024; short-term debt: 36.2% and cash: 9.6% of total assets), but 66% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 47
Relative position
BE, all sectors
reference
Sector 47
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
34%
Return on assets
0.8%
Age of the figures
9 mo
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €433k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-08-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
15 d late
2023
27 d late
2022
146 d early
2021
31 d early
2020
32 d early
2019
29 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€433k▲ 2.3%
2024 · €424k
2018: €663k
2019: €681k
2020: €708k
2021: €422k
2022: €430k
2023: €376k
2024: €424k
2018 → 2025
Total assets
€1.27M▼ 7.9%
2024 · €1.38M
2018: €1.38M
2019: €1.30M
2020: €1.60M
2021: €944k
2022: €1.06M
2023: €1.19M
2024: €1.38M
2018 → 2025
Net result
€10k▼ 79.9%
2024 · €48k
2018: €122k
2019: €158k
2020: €277k
2021: €229k
2022: €137k
2023: €145k
2024: €48k
2018 → 2025
Working capital
€577k▲ 10.0%
2024 · €524k
2018: €310k
2019: €356k
2020: €305k
2021: €26k
2022: €100k
2023: €81k
2024: €524k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€422k-€430k▲ 2.1%€376k▼ 12.7%€424k▲ 12.8%€433k▲ 2.3%
Operating result€318k-€195k▼ 38.9%€211k▲ 8.3%€82k▼ 61.2%€31k▼ 62.2%
Net result€229k-€137k▼ 40.2%€145k▲ 6.2%€48k▼ 67.0%€10k▼ 79.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€237k▼ 10.8%
Current assets
€1.04M▼ 7.2%
Equity and liabilities €1.27M
Equity
€433k▲ 2.3%
Debt
€841k▼ 12.3%
The debt ratio falls from 69.4% to 66.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66k▼
2024 · €121k
Cash flow
€45k▼
2024 · €88k
Solvency
34.0%▲
2024 · 30.6%
Current ratio
2.25▲
2024 · 1.88
Quick ratio
1.80▲
2024 · 1.50
Debt / equity
1.94▼
2024 · 2.27
ROE
2.2%▼
2024 · 11.3%
ROA
0.8%▼
2024 · 3.5%
Interest coverage
2.46▼
2024 · 6.17
Debt
€841k▼
2024 · €960k
Debt ≤ 1 year
€461k▼
2024 · €594k
Debt > 1 year
€380k▲
2024 · €366k
Income taxes
€4k▼
2024 · €16k
Staff costs
€450k▲
2024 · €377k
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€1.38M€1.27M▼
Fixed assets21/28€265k€237k▼
Tangible fixed assets22/27€265k€237k▼
Plant, machinery and equipment23€38k€37k▼
Other tangible fixed assets26€227k€200k▼
Current assets29/58€1.12M€1.04M▼
Stocks and contracts in progress3€225k€209k▼
Stocks30/36€225k€209k▼
Amounts receivable within one year40/41€560k€697k▲
Trade receivables40€125k€73k▼
Other amounts receivable41€435k€624k▲
Cash at bank and in hand54/58€327k€122k▼
Deferred charges and accrued income490/1€6k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.27M▼
Equity10/15€424k€433k▲
Contributions10/11€50k€50k=
Reserves13€374k€384k▲
Distributable reserves133€374k€384k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€960k€841k▼
Amounts payable after more than one year17€366k€380k▲
Financial debts170/4-€4k
Trade debts175€366k€376k▲
Amounts payable within one year42/48€594k€461k▼
Current portion of amounts payable after more than one year42-€2k
Financial debts43€231k€190k▼
Credit institutions430/8€231k€190k▼
Trade debts44€212k€191k▼
Suppliers440/4€212k€191k▼
Taxes, remuneration and social security45€76k€71k▼
Taxes450/3€6k€3k▼
Remuneration and social security454/9€70k€68k▼
Other amounts payable47/48€75k€7k▼
Income statement
Code20242025
Remuneration, social security and pensions62€377k€450k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€35k▼
Other operating charges640/8€2k€7k▲
Gross operating margin9900€501k€524k▲
Operating profit (loss)9901€82k€31k▼
Financial income75/76B€2k€10k▲
Recurring financial income75€2k€10k▲
Financial charges65/66B€20k€27k▲
Recurring financial charges65€20k€27k▲
Profit (loss) for the period before taxes9903€64k€14k▼
Income taxes67/77€16k€4k▼
Profit (loss) for the period9904€48k€10k▼
Profit (loss) for the period to be appropriated9905€48k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€10k▼
Transfer from equity791/2€0-
Transfer to equity691/2€48k€10k▼
To other reserves6921€48k€10k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90879.511.6▲
The notes to these accounts (22 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
29-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
31-12
Financial
Weakest financial yearnet €10k ▼79.9%
Net result drops to €10k, the lowest in the series.
15-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 15 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
07-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €277k ▲75.5%
Operating result €376k, net result €277k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Hasselt · 1 establishment unit since 1981
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.
Hasseltse dreef 1443512 HasseltGround area
2,514 m²
Building footprint
886 m²
Volume, LiDAR
6,512 m³
Parcel 71055A0496/00W003, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
GREMA
since 19812.019.926.515
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71055A0496/00W003 | Flanders | 2,514 m² | 1 · 886 m² | 11.1 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteHasselt2.019.926.515
Dual-learning approval
2 live approvalsWinkelmedewerker (vwo)
Winkelmedewerker duaal (so)
Similar companies · same sector, comparable size
HOLLIM
BE 0888.637.091
Brunehaut · Eq €434k
AMAUDIS
BE 0475.405.116
Soumagne · Eq €433k
MADB
BE 0691.975.234
Sint-Niklaas · Eq €433k
INFINITY TRADE
BE 0689.749.578
Anderlecht · Eq €434k
LOHO
BE 0834.761.115
Heuvelland · Eq €434k
Of 10,525 companies in sector 47110 we hold annual accounts for 5,860. 3,339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1981
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
52112
52113
Sources
Crossroads Bank for EnterprisesNational Bank · 45 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.