Morgane CRASSON - Notaire
ActiveMorgane CRASSON - Notaire has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.26M and a net result of €487k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 54% of 1004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+5
Solvency61▼-5
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 1.75 against 2.31 in 2024; short-term debt: 41.3% and cash: 63.7% of total assets), but 63.7% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
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
36.3%
Return on assets
14%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-05-2026, 64 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
64 d early
2024
29 d early
2023
13 d early
2022
38 d late
2021
26 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, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€487k▲ 57.0%
2024 · €310k
2021: €331k
2022: €234k
2023: €381k
2024: €310k
2021 → 2025
Working capital
€1.08M▼ 0.5%
2024 · €1.08M
2021: €232k
2022: €407k
2023: €773k
2024: €1.08M
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€335k-€570k▲ 69.9%€951k▲ 66.9%€1.26M▲ 32.6%€1.26M=
Operating result€484k-€343k▼ 29.1%€556k▲ 62.3%€439k▼ 21.1%€636k▲ 44.8%
Net result€331k-€234k▼ 29.3%€381k▲ 62.6%€310k▼ 18.6%€487k▲ 57.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.47M
Fixed assets
€961k▼ 15.6%
Current assets
€2.51M▲ 31.4%
Equity and liabilities €3.47M
Equity
€1.26M=
Debt
€2.21M▲ 23.6%
The debt ratio rises from 58.7% to 63.7%. Debt is higher.
Key figures and ratios
EBITDA
€836k▲
2024 · €637k
Cash flow
€687k▲
2024 · €508k
Solvency
36.3%▼
2024 · 41.3%
Current ratio
1.75▼
2024 · 2.31
Quick ratio
1.75▼
2024 · 2.31
Debt / equity
1.75▲
2024 · 1.42
ROE
38.6%▲
2024 · 24.6%
ROA
14.0%▲
2024 · 10.2%
Interest coverage
235.82▲
2024 · 155.79
Debt
€2.21M▲
2024 · €1.79M
Debt ≤ 1 year
€1.43M▲
2024 · €827k
Debt > 1 year
€779k▼
2024 · €962k
Income taxes
€157k▲
2024 · €140k
Staff costs
€552k▼
2024 · €623k
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€3.05M€3.47M▲
Fixed assets21/28€1.14M€961k▼
Intangible fixed assets21€1.06M€885k▼
Tangible fixed assets22/27€79k€76k▼
Plant, machinery and equipment23€31k€26k▼
Furniture and vehicles24€49k€49k▲
Current assets29/58€1.91M€2.51M▲
Amounts receivable within one year40/41€70k€265k▲
Trade receivables40€530€87k▲
Other amounts receivable41€69k€178k▲
Cash at bank and in hand54/58€1.81M€2.21M▲
Deferred charges and accrued income490/1€32k€36k▲
Equity and liabilities
Total equity and liabilities10/49€3.05M€3.47M▲
Equity10/15€1.26M€1.26M=
Contributions10/11€4k€4k=
Reserves13€1.26M€1.26M=
Distributable reserves133€1.26M€1.26M=
Amounts payable17/49€1.79M€2.21M▲
Amounts payable after more than one year17€962k€779k▼
Financial debts170/4€962k€779k▼
Amounts payable within one year42/48€827k€1.43M▲
Current portion of amounts payable after more than one year42€183k€183k=
Trade debts44€82k€94k▲
Suppliers440/4€82k€94k▲
Taxes, remuneration and social security45€190k€367k▲
Taxes450/3€116k€125k▲
Remuneration and social security454/9€74k€242k▲
Other amounts payable47/48€371k€789k▲
Accrued charges and deferred income492/3-€22
Income statement
Code20242025
Remuneration, social security and pensions62€623k€552k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€198k€200k▲
Other operating charges640/8€6k€11k▲
Gross operating margin9900€1.27M€1.40M▲
Operating profit (loss)9901€439k€636k▲
Financial income75/76B€15k€12k▼
Recurring financial income75€15k€12k▼
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€450k€644k▲
Income taxes67/77€140k€157k▲
Profit (loss) for the period9904€310k€487k▲
Profit (loss) for the period to be appropriated9905€310k€487k▲
Appropriation of the result
Profit (loss) to be appropriated9906€310k€487k▲
Transfer to equity691/2€310k-
To other reserves6921€310k-
Profit to be distributed694/7-€487k
Return on contributions (dividend)694-€487k
Social balance
Average headcount (FTE)90877.47.1▼
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
2026
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2021net €487k ▲57%
Operating result €636k, net result €487k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €1MEq €1.26M ▲32.6%
4 profitable years in a row build equity to €1.26M.
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 38 days late
2022
31-12
Financial
Weakest financial yearnet €234k ▼29.3%
Net result drops to €234k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €570k ▲69.9%
2 profitable years in a row build equity to €570k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 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, Malmedy · 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.
Rue Abbé Péters 324960 MalmedyGround area
525 m²
Building footprint
137 m²
Volume, LiDAR
1,482 m³
Parcel 63049D0163/00A002, Wallonia · tallest building 12.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Abbé Péters 32, 4960 Malmedy
since 20212.312.587.490
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63049D0163/00A002 | Wallonia | 525 m² | 1 · 137 m² | 12.8 m · 4 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
Legal Entity Identifier
9845004D1B34F7EE0638
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Of 2,258 companies in sector 69102 we hold annual accounts for 1,754. 1,132 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2021
Fiscal year end31-12
Activities, NACEBEL
69102Activities of notaries
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:080/33.08.86