Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 11 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
Kruimels & Letters from Zele, company number BE0846645001, closed financial year 2025 with a result of € 8,695 after tax. For that financial year Kruimels & Letters recorded a gross margin of € 19,866 and equity of € -101,404. Compared with financial year 2024, the result moved from € 2,065 to € 8,695. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on July 23, 2026.
€ -101,404
▲ € 8,695 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 8,695
▲ € 6,631 vs 2024
Profit after tax over the fiscal year.
€ 10,561
▼ 54% vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -121,404.
People and assets in 2025
€ 5,690
▲ 24% vs 2024
Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
Debts at end 2025
€ 46,350
▼ 28% vs 2024
€ 18,000 is repaid this year. At this pace the long-term loan is gone in ≈ 3 years.
€ 17,463
▼ 66% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 2,528
▼ 71% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 19,798 | € 27,508 | € 11,214 | € 19,866 | ▲ 77% |
| Profit after taxes | € -20,170 | € 13,483 | € 2,065 | € 8,695 | ▲ € 6,631 |
| Equity | € -125,647 | € -112,164 | € -110,100 | € -101,404 | ▲ € 8,695 |
| Total debts | € 224,512 | € 181,922 | € 156,063 | € 134,737 | ▼ 14% |
| Cash | € 38,796 | € 44,834 | € 22,758 | € 10,561 | ▼ 54% |
| Retained profit | € -145,647 | € -132,164 | € -130,100 | € -121,404 | ▲ € 8,695 |
| Bank debt | € 96,850 | € 92,750 | € 64,350 | € 46,350 | ▼ 28% |
| Balance sheet total | € 98,865 | € 69,757 | € 45,963 | € 33,333 | ▼ 27% |
Key figures of Kruimels & Letters, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to Kruimels & Letters?
What happened at Kruimels & Letters in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 8,695 (▲ € 6,631 vs 2024). Source: NBB ↗
- Christel De Smet became a director. NBB
- Isabel Van Lokeren became a director. NBB
- New establishment in Zele. KBO
- Start of the company according to the CBE. KBO
In short
From € 20,170 loss in 2022 to € 8,695 profit in 2025.
Paid € 1 in corporate taxes since 2022.
Best year ever: 2023, with € 13,483 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind Kruimels & Letters are Christel De Smet and Isabel Van Lokeren.
Directors
According to the 2025 annual accounts
Christel De Smet
Director
since 2023
Isabel Van Lokeren
Director
since 2023
Establishments
Establishment units
Physical locations of this company
Zandberg 15
9240 Zele
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Website
Technologies
Hosting & Email
Email provider
Microsoft 365
Hosting
COMBELL-AS, BE
Website info
Features
Security
Network
Details
- Company number
- 0846.645.001
- VAT number
- BE 0846.645.001
- Registered office
- Zandberg 15, 9240 Zele
- Names & denominations
- Kruimels & Letters
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 18 June 2012
- Peppol
- Active · Active since 9 Jan 2026
- Contact
- kruimelsenletters.be
- Activities · NACE
Detailhandel in kranten en andere tijdschriften
Activiteiten van eetgelegenheden met beperkte bediening, muv mobiele eetgelegenheden
Detailhandel in kranten en kantoorbehoeften in gespecialiseerde winkels
Eetgelegenheden met beperkte bediening