LA C R E M E R I E
ActiveLA C R E M E R I E has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €150k and a net result of €33k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 10310 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▼-15
Solvency85▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity tight (current ratio 1.35 against 1.0 in 2024; short-term debt: 39.4% and cash: 6.4% of total assets), and 39.9% 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
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 · 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
60.1%
Return on assets
13.3%
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 €150k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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
47 d late
2024
69 d late
2023
43 d late
2022
53 d late
2021
59 d late
2020
30 d late
2019
1 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€150k▲ 28.4%
2024 · €116k
2018: €32k
2019: €32k
2020: €36k
2021: €21k
2022: €37k
2023: €64k
2024: €116k
2018 → 2025
Total assets
€249k▲ 20.4%
2024 · €207k
2018: €75k
2019: €88k
2020: €105k
2021: €143k
2022: €169k
2023: €151k
2024: €207k
2018 → 2025
Net result
€33k▼ 36.5%
2024 · €52k
2018: €3k
2019: €252
2020: €4k
2021: €-15k
2022: €16k
2023: €27k
2024: €52k
2018 → 2025
Working capital
€34k
2024 · €-232
2018: €6k
2019: €7k
2020: €15k
2021: €-79k
2022: €-82k
2023: €-58k
2024: €-232
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€21k-€37k▲ 78.4%€64k▲ 72.0%€116k▲ 81.0%€150k▲ 28.4%
Operating result€-13k-€23k€40k▲ 73.2%€85k▲ 110%€52k▼ 38.7%
Net result€-15k-€16k€27k▲ 63.8%€52k▲ 93.6%€33k▼ 36.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 39% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€117k=
Current assets
€132k▲ 46.9%
Equity and liabilities €249k
Equity
€150k▲ 28.4%
Debt
€99k▲ 10.0%
The debt ratio falls from 43.6% to 39.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▼
2024 · €91k
Cash flow
€40k▼
2024 · €58k
Solvency
60.1%▲
2024 · 56.4%
Current ratio
1.35▲
2024 · 1.00
Quick ratio
1.33▲
2024 · 0.98
Debt / equity
0.66▼
2024 · 0.77
ROE
22.1%▼
2024 · 44.8%
ROA
13.3%▼
2024 · 25.2%
Interest coverage
11.52▼
2024 · 21.39
Debt
€99k▲
2024 · €90k
Debt ≤ 1 year
€98k▲
2024 · €90k
Debt > 1 year
€1k
Income taxes
€14k▼
2024 · €28k
Staff costs
€7k▼
2024 · €22k
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€207k€249k▲
Fixed assets21/28€117k€117k=
Tangible fixed assets22/27€105k€105k▼
Plant, machinery and equipment23€6k€4k▼
Furniture and vehicles24€73k€79k▲
Other tangible fixed assets26€26k€22k▼
Financial fixed assets28€12k€12k=
Current assets29/58€90k€132k▲
Stocks and contracts in progress3€2k€1k▼
Stocks30/36€2k€1k▼
Amounts receivable within one year40/41€81k€115k▲
Trade receivables40-€14k
Other amounts receivable41€81k€101k▲
Cash at bank and in hand54/58€7k€16k▲
Deferred charges and accrued income490/1€22€20▼
Equity and liabilities
Total equity and liabilities10/49€207k€249k▲
Equity10/15€116k€150k▲
Contributions10/11€19k€19k=
Reserves13€98k€131k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€96k€129k▲
Amounts payable17/49€90k€99k▲
Amounts payable after more than one year17-€1k
Financial debts170/4-€1k
Amounts payable within one year42/48€90k€98k▲
Current portion of amounts payable after more than one year42-€3k
Trade debts44€43k€42k▼
Suppliers440/4€43k€42k▼
Taxes, remuneration and social security45€47k€53k▲
Taxes450/3€41k€48k▲
Remuneration and social security454/9€6k€5k▼
Income statement
Code20242025
Remuneration, social security and pensions62€22k€7k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€5k€2k▼
Gross operating margin9900€118k€67k▼
Operating profit (loss)9901€85k€52k▼
Financial income75/76B€4€278▲
Recurring financial income75€4€278▲
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€80k€47k▼
Income taxes67/77€28k€14k▼
Profit (loss) for the period9904€52k€33k▼
Profit (loss) for the period to be appropriated9905€52k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€33k▼
Transfer to equity691/2€52k€33k▼
To other reserves6921€52k€33k▼
Social balance
Average headcount (FTE)90870.90.8▼
The notes to these accounts (9 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
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 47 days late
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 69 days late
2024
31-12
Financial
Highest result since 2018net €52k ▲93.6%
Operating result €85k, net result €52k, both a record.
31-12
Financial
Equity above €100kEq €116k ▲81%
3 profitable years in a row build equity to €116k.
12-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 43 days late
2023
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 53 days late
2022
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 59 days late
2021
31-12
Financial
Weakest financial yearnet €-15k ▼475%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
06-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 37 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 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 2003
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.
Markgravelei 1632018 AntwerpenGround area
506 m²
Building footprint
315 m²
Volume, LiDAR
3,804 m³
2 parcels, Brussels, Flanders · tallest building 17.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
LA CREMERIE
since 20032.135.116.191
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21811M0747/00E000 | Brussels | 284 m² | 1 · 209 m² | 17.0 m · 4 fl. |
| 11810K1871/00N003 | Flanders | 222 m² | 1 · 106 m² | 14.2 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Food safety, FASFC
1 siteBrussel2.135.116.191
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KEBO
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WALHALLE
BE 1002.788.869
Halle · Eq €150k
CAJA
BE 0431.288.526
Peer · Eq €149k
B.A.V.S. SUPERMARCHE
BE 0859.620.829
Schaarbeek · Eq €150k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-12-2003
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47271Retail trade
47291Retail trade
52112
Sources
Crossroads Bank for EnterprisesNational Bank · 22 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
1 entryPhone:0474/985765