KRUIMELTJE
ActiveKRUIMELTJE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €39k and a net result of €-8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 42% of 523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-40
Solvency60▼-7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.17 against 1.07 in 2024; short-term debt: 65.4% and cash: 2% of total assets), and 65.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 88
Relative position
BE, all sectors
reference
Sector 88
lower
← 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
34.6%
Return on assets
-7.1%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 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
17 d late
2024
179 d late
2023
544 d late
2022
40 d early
2020
32 d early
2019
20 d late
2018
14 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€39k▼ 17.0%
2024 · €47k
2018: €-6k
2019: €-5k
2020: €7k
2022: €9k
2023: €10k
2024: €47k
2018 → 2025
Total assets
€112k▲ 2.0%
2024 · €110k
2018: €22k
2019: €22k
2020: €30k
2022: €30k
2023: €33k
2024: €110k
2018 → 2025
Net result
€-8k
2024 · €37k
2018: €-9k
2019: €1k
2020: €11k
2022: €1k
2023: €671
2024: €37k
2018 → 2025
Working capital
€-60k
2024 · €4k
2018: €-11k
2019: €-8k
2020: €568
2022: €4k
2023: €7k
2024: €4k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€7k-€9k▲ 34.2%€10k▲ 7.6%€47k▲ 388%€39k▼ 17.0%
Operating result€12k-€2k▼ 84.4%€2k▼ 9.3%€51k▲ 3,003%€-8k
Net result€11k-€1k▼ 89.6%€671▼ 43.3%€37k▲ 5,411%€-8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €8k after €51k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€99k▲ 135%
Current assets
€13k▼ 81.3%
Equity and liabilities €112k
Equity
€39k▼ 17.0%
Debt
€73k▲ 16.0%
The debt ratio rises from 57.5% to 65.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€7k▼
2024 · €63k
Cash flow
€7k▼
2024 · €49k
Solvency
34.6%▼
2024 · 42.5%
Current ratio
0.17▼
2024 · 1.07
Quick ratio
0.17▼
2024 · 1.07
Debt / equity
1.89▲
2024 · 1.35
ROE
-20.5%▼
2024 · 79.5%
ROA
-7.1%▼
2024 · 33.8%
Interest coverage
21.60▼
2024 · 156.08
Debt
€73k▲
2024 · €63k
Debt ≤ 1 year
€73k▲
2024 · €63k
Staff costs
€132k▲
2024 · €98k
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€110k€112k▲
Fixed assets21/28€42k€99k▲
Tangible fixed assets22/27€42k€99k▲
Furniture and vehicles24€42k€66k▲
Other tangible fixed assets26-€33k
Current assets29/58€67k€13k▼
Amounts receivable within one year40/41€15k€10k▼
Trade receivables40€15k€10k▼
Cash at bank and in hand54/58€53k€2k▼
Deferred charges and accrued income490/1-€184
Equity and liabilities
Total equity and liabilities10/49€110k€112k▲
Equity10/15€47k€39k▼
Contributions10/11€6k€6k=
Reserves13€39k€39k=
Non-distributable reserves130/1€101€101=
Reserves not available under the articles1311€101€101=
Distributable reserves133€39k€39k=
Profit (loss) carried forward14€1k€-7k▼
Amounts payable17/49€63k€73k▲
Amounts payable within one year42/48€63k€73k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€27k€23k▼
Taxes450/3€18k€14k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€32k€44k▲
Income statement
Code20242025
Remuneration, social security and pensions62€98k€132k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€15k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€912-
Other operating charges640/8€1k€1k▼
Gross operating margin9900€163k€140k▼
Operating profit (loss)9901€51k€-8k▼
Financial charges65/66B€404€324▼
Recurring financial charges65€404€324▼
Profit (loss) for the period before taxes9903€50k€-8k▼
Income taxes67/77€14k-
Profit (loss) for the period9904€37k€-8k▼
Profit (loss) for the period to be appropriated9905€37k€-8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€38k€-7k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer to equity691/2€37k-
To other reserves6921€37k-
The notes to these accounts (5 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 179 days late
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 544 days late
2024
31-12
Financial
Highest result since 2018net €37k ▲5411%
Operating result €51k, net result €37k, both a record.
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2019
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
14-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
21-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 233 days late
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, Antwerpen · 1 establishment unit since 2015
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.
Vierseizoenenlaan 152610 AntwerpenGround area
216 m²
Building footprint
144 m²
Volume, LiDAR
848 m³
Parcel 11463D0494/00P005, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kruimeltje
since 20152.244.098.859
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11463D0494/00P005 | Flanders | 216 m² | 1 · 144 m² | 8.9 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
2022 to 2025 · 10 entries · 509,167 EUR awarded · 509,167 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 3 | 222,000 EUR | 222,000 EUR |
| 2024 | 4 | 242,206 EUR | 242,206 EUR |
| 2023 | 2 | 26,540 EUR | 26,540 EUR |
| 2022 | 1 | 18,421 EUR | 18,421 EUR |
Schemes
Subsidies voorschoolse kinderopvang
Subsidie aan instellingen in het beleidsdomein Welzijn, Volksgezondheid en Gezin voor de tussenkomst in de energiekost in 2023
Hinderpremie bij openbare werken
Premie kwalificerend werkplekleren
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Show 1 more
Inkomenstarief kinderopvang
Recognitions · licences · registrations
Food safety, FASFC
1 siteAntwerpen2.244.098.859
Care and welfare
1 serviceKruimeltje
Dual-learning approval
2 live approvals · 2 endedBasiszorg en ondersteuning duaal (so)
Kinderbegeleider duaal (so)
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Kinderdagverblijf Het Darteltje
BE 1005.432.021
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La Maison d'Enfants Solidaris
BE 0420.805.992
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Of 1,590 companies in sector 88911 we hold annual accounts for 707. 469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2015
Fiscal year end31-12
Activities, NACEBEL
88911Day nurseries and crèches
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.