KREEMO
ActiveKREEMO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €73k and a net result of €24k. Equity is growing by ~88.8% per year across the filed fiscal years. Its solvency ranks better than 20% of 1113 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2024
62
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability75▼-25
Solvency41=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.09 in 2023; short-term debt: 57.4% and cash: 19.8% of total assets), but 84.1% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
15.9%
Return on assets
5.2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 1113 sector peers (2024).
NBB · sector comparisonPosition among 1113 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
42 d early
2022
28 d late
2021
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€24k▼ 77.2%
2023 · €104k
2021: €-81k
2022: €18k
2023: €104k
2021 → 2024
Working capital
€151k▲ 512%
2023 · €25k
2021: €-77k
2022: €-58k
2023: €25k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€-71k-€-52k▲ 26.1%€52k€73k▲ 38.8%
Operating result€-81k-€19k€119k▲ 529%€36k▼ 70.1%
Net result€-81k-€18k€104k▲ 463%€24k▼ 77.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 70% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €456k
Fixed assets
€43k▲ 40.6%
Current assets
€413k▲ 40.7%
Equity and liabilities €456k
Equity
€73k▲ 38.8%
Debt
€383k▲ 41.1%
The debt ratio rises from 83.8% to 84.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€46k▼
2023 · €122k
Cash flow
€34k▼
2023 · €107k
Solvency
15.9%▼
2023 · 16.2%
Current ratio
1.58▲
2023 · 1.09
Quick ratio
1.58▲
2023 · 1.09
Debt / equity
5.27▲
2023 · 5.19
ROE
32.6%▼
2023 · 198.7%
ROA
5.2%▼
2023 · 32.1%
Interest coverage
27.58▼
2023 · 428.94
Debt
€383k▲
2023 · €272k
Debt ≤ 1 year
€262k▼
2023 · €269k
Debt > 1 year
€11k
Income taxes
€10k▼
2023 · €15k
Staff costs
€141k▲
2023 · €81k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€324k€456k▲
Fixed assets21/28€31k€43k▲
Intangible fixed assets21€24k€19k▼
Tangible fixed assets22/27€4k€24k▲
Plant, machinery and equipment23-€14k
Furniture and vehicles24€4k€10k▲
Financial fixed assets28€2k€312▼
Current assets29/58€293k€413k▲
Amounts receivable within one year40/41€208k€318k▲
Trade receivables40€208k€318k▲
Cash at bank and in hand54/58€83k€90k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€324k€456k▲
Equity10/15€52k€73k▲
Contributions10/11€24k€24k=
Profit (loss) carried forward14€12k€35k▲
Investment grants15€17k€13k▼
Amounts payable17/49€272k€383k▲
Amounts payable after more than one year17-€11k
Financial debts170/4-€11k
Amounts payable within one year42/48€269k€262k▼
Current portion of amounts payable after more than one year42-€5k
Financial debts43€1k€1k▲
Credit institutions430/8€1k€1k▲
Trade debts44€153k€163k▲
Suppliers440/4€153k€123k▼
Bills of exchange payable441-€40k
Taxes, remuneration and social security45€85k€91k▲
Taxes450/3€63k€61k▼
Remuneration and social security454/9€22k€31k▲
Other amounts payable47/48€30k€2k▼
Accrued charges and deferred income492/3€3k€110k▲
Income statement
Code20232024
Remuneration, social security and pensions62€81k€141k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€10k▲
Other operating charges640/8€555€1k▲
Gross operating margin9900€204k€188k▼
Operating profit (loss)9901€119k€36k▼
Financial income75/76B€425€61▼
Recurring financial income75€425€61▼
Financial charges65/66B€284€2k▲
Recurring financial charges65€284€2k▲
Profit (loss) for the period before taxes9903€119k€34k▼
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€104k€24k▼
Profit (loss) for the period to be appropriated9905€104k€24k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€35k▼
Profit (loss) brought forward from the previous period14P€-62k€12k▲
Profit to be distributed694/7€30k-
Return on contributions (dividend)694€30k-
Social balance
Average headcount (FTE)9087-3.3
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
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €104k ▲463%
Operating result €119k, net result €104k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
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, Braine-l'Alleud · 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.
Boulevard de France 91420 Braine-l'AlleudGround area
7,876 m²
Building footprint
860 m²
Volume, LiDAR
12,317 m³
Parcel 25744D0293/00R003, Wallonia · tallest building 18.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Boulevard de France 9, 1420 Braine-l'Alleud
since 20212.313.879.570
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25744D0293/00R003 | Wallonia | 7,876 m² | 1 · 860 m² | 17.9 m · 5 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.
Similar companies · same sector, comparable size
DHAEN JÖRAN
BE 0836.961.827
Gent · Eq €73k
Johanna Broekaert Interieurarchitect
BE 0776.992.665
Gent · Eq €73k
ARCHITECTENBUREAU NEC+ULTRA
BE 0882.525.596
Sint-Martens-Latem · Eq €73k
BRAVOSIX
BE 0760.482.770
Oostende · Eq €72k
House of Interpretation
BE 1012.912.897
Brugge · Eq €73k
Of 3,918 companies in sector 71112 we hold annual accounts for 1,295. 1,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2021
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
74104Other professional, scientific and technical activities
74109Other professional, scientific and technical activities
74130Interior design
74140Other specialised design activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:eric.lardinois@kreemo.eu
E-mail:philippe.zeelmaekers@kreemo.eu