KREMA
ActiveThe computed 12-month bankruptcy probability of KREMA is 2.6% (moderate). The annual accounts of KREMA for fiscal year 2025 show a net loss of 97% of the equity at the start of that year. The 2025 annual accounts show equity of €1k and a net result of €-40k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 13240 sector peers (fiscal year 2025). The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
31
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-10
Solvency26▼-35
Growth52=
Track record100
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 4.52 against 4.58 in 2024; short-term debt: 16% and cash: 1.2% of total assets), but 98.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
1.3%
Return on assets
-42.9%
Age of the figures
18 mo
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 · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-40k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
3 d early
2023
on the day
2022
2 d late
2021
2 d late
2020
5 d late
2019
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1k▼ 97.0%
2024 · €42k
2019: €-19k
2020: €-16k
2021: €55k
2022: €80k
2023: €49k
2024: €42k
2019 → 2025
Total assets
€94k▼ 18.3%
2024 · €115k
2019: €69k
2020: €53k
2021: €132k
2022: €146k
2023: €145k
2024: €115k
2019 → 2025
Net result
€-40k▼ 417%
2024 · €-8k
2019: €-3k
2020: €3k
2021: €71k
2022: €19k
2023: €15k
2024: €-8k
2019 → 2025
Working capital
€53k▼ 23.4%
2024 · €69k
2019: €-10k
2020: €-16
2021: €68k
2022: €85k
2023: €85k
2024: €69k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€55k-€80k▲ 45.7%€49k▼ 38.2%€42k▼ 15.8%€1k▼ 97.0%
Operating result€79k-€25k▼ 68.9%€22k▼ 10.2%€-6k€-41k▼ 624%
Net result€71k-€19k▼ 73.4%€15k▼ 22.4%€-8k€-40k▼ 417%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €6k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94k
Fixed assets
€26k▼ 2.6%
Current assets
€68k▼ 23.1%
Equity and liabilities €94k
Equity
€1k▼ 97.0%
Debt
€93k▲ 26.1%
The debt ratio rises from 63.9% to 98.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-32k▼
2024 · €-1k
Cash flow
€-31k▼
2024 · €-3k
Solvency
1.3%▼
2024 · 36.1%
Current ratio
4.52▼
2024 · 4.58
Quick ratio
0.79▼
2024 · 3.55
Debt / equity
73.30▲
2024 · 1.77
ROA
-42.9%▼
2024 · -6.8%
Interest coverage
-70.61▼
2024 · -1.04
Debt
€93k▲
2024 · €73k
Debt ≤ 1 year
€15k▼
2024 · €19k
Debt > 1 year
€78k▲
2024 · €54k
Income taxes
€-75▼
2024 · €847
A ratio outside any meaningful range has been withheld (balance sheet total €94k, equity €1k).
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€115k€94k▼
Fixed assets21/28€27k€26k▼
Intangible fixed assets21€12k€9k▼
Tangible fixed assets22/27€11k€14k▲
Furniture and vehicles24€11k€14k▲
Financial fixed assets28€3k€3k=
Current assets29/58€88k€68k▼
Stocks and contracts in progress3€20k€56k▲
Stocks30/36€20k€56k▲
Amounts receivable within one year40/41€65k€11k▼
Trade receivables40€39k€10k▼
Other amounts receivable41€26k€1k▼
Cash at bank and in hand54/58€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€115k€94k▼
Equity10/15€42k€1k▼
Contributions10/11€100€100=
Reserves13€35k€35k=
Distributable reserves133€35k€35k=
Profit (loss) carried forward14€7k€-33k▼
Amounts payable17/49€73k€93k▲
Amounts payable after more than one year17€54k€78k▲
Financial debts170/4€13k€5k▼
Other amounts payable178/9€41k€72k▲
Amounts payable within one year42/48€19k€15k▼
Current portion of amounts payable after more than one year42€7k€8k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€315€1k▲
Remuneration and social security454/9€6k-
Income statement
Code20242025
Remuneration, social security and pensions62€78k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€9k▲
Other operating charges640/8€492€7k▲
Gross operating margin9900€77k€-25k▼
Operating profit (loss)9901€-6k€-41k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€1k€455▼
Recurring financial charges65€1k€455▼
Profit (loss) for the period before taxes9903€-7k€-40k▼
Income taxes67/77€847€-75▼
Profit (loss) for the period9904€-8k€-40k▼
Profit (loss) for the period to be appropriated9905€-8k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-33k▼
Profit (loss) brought forward from the previous period14P€15k€7k▼
The notes to these accounts (10 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
2025
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
31-03
Financial
Highest result since 2019net €71k ▲2252%
Operating result €79k, net result €71k, both a record.
31-03
Financial
Liquidity triplescurrent ratio 2.99
Current ratio from 1.00 to 2.99.
2020
05-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
31-03
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
2019
24-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
04-10
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.
Directors · office · real estate
Directors
2 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, Eupen · 1 establishment unit since 2014
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.
Rue Neuve 614700 EupenGround area
170 m²
Building footprint
111 m²
Volume, LiDAR
1,740 m³
Parcel 63023F0280/00Z003, Wallonia · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
KREMA
since 20142.228.779.391
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63023F0280/00Z003 | Wallonia | 170 m² | 1 · 111 m² | 17.5 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.
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Of 20,494 companies in sector 56111 we hold annual accounts for 11,455. 1,953 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2014
Fiscal year end31-03
Activities, NACEBEL
56101Full-service restaurants
56111Full-service restaurants
46349Wholesale of beverages, general range
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
56210Event catering
70200Business and other management consultancy
70220Business consulting
77223Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.