Creabbatical
ActiveSummary
Creabbatical has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €28k and a net result of €-6k. Equity is shrinking by ~12.8% per year across the filed fiscal years. Its solvency ranks better than 84% of 8692 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 8.59 against 43.58 in 2024; short-term debt: 11.6% and cash: 29.8% of total assets), and 11.6% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
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
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
88.4%
Return on assets
-19%
Age of the figures
9 mo
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
202122232425
2020 to 2025 · latest year €-6k
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
7 d early
2023
30 d early
2022
31 d early
2021
18 d early
2020
18 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€28k▼ 17.7%
2024 · €33k
2020: €21k
2021: €66k
2022: €67k
2023: €59k
2024: €33k
2020 → 2025
Total assets
€31k▼ 9.0%
2024 · €34k
2020: €58k
2021: €96k
2022: €101k
2023: €70k
2024: €34k
2020 → 2025
Net result
€-6k▲ 77.1%
2024 · €-26k
2020: €20k
2021: €45k
2022: €38k
2023: €-7k
2024: €-26k
2020 → 2025
Working capital
€28k▼ 17.7%
2024 · €33k
2020: €21k
2021: €66k
2022: €67k
2023: €59k
2024: €33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€67k▲ 0.4%€59k▼ 10.8%€33k▼ 43.7%€28k▼ 17.7%
Operating result€56k-€44k▼ 20.7%€-7k€-27k▼ 292%€-5k▲ 79.7%
Net result€45k-€38k▼ 15.2%€-7k€-26k▼ 262%€-6k▲ 77.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €27k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €31k
Equity
€28k ▼ 17.7%
Debt
€4k ▲ 362%
Debt's share of the balance-sheet total rises from 2.3% to 11.6%. Equity is lower and debt is higher.
Key figures and ratios
Current ratio
8.59▼
2024 · 43.58
Debt to equity
0.13▲
2024 · 0.02
ROE
-21.5%▲
2024 · -77.5%
ROA
-19.0%▲
2024 · -75.7%
Debt ≤ 1 year
€4k▲
2024 · €786
Income taxes
€512
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet
Code20242025
Assets
Total assets20/58€34k€31k▼
Current assets29/58€34k€31k▼
Amounts receivable after more than one year29€27k€21k▼
Other amounts receivable291€27k€21k▼
Amounts receivable within one year40/41€7k€862▼
Trade receivables40€6k-
Other amounts receivable41€1k€862▼
Cash at bank and in hand54/58-€9k
Deferred charges and accrued income490/1€105€178▲
Equity and liabilities
Total equity and liabilities10/49€34k€31k▼
Equity10/15€33k€28k▼
Contributions10/11€2k€2k=
Reserves13€32k€26k▼
Distributable reserves133€32k€26k▼
Amounts payable17/49€786€4k▲
Amounts payable within one year42/48€786€4k▲
Financial debts43€321-
Credit institutions430/8€321-
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45€465€797▲
Taxes450/3€465€797▲
Income statement
Code20242025
Other operating charges640/8€223€285▲
Gross operating margin9900€-26k€-5k▲
Operating profit (loss)9901€-27k€-5k▲
Financial income75/76B€943€712▼
Recurring financial income75€943€712▼
Financial charges65/66B€282€730▲
Recurring financial charges65€282€730▲
Profit (loss) for the period before taxes9903€-26k€-5k▲
Income taxes67/77-€512
Profit (loss) for the period9904€-26k€-6k▲
Profit (loss) for the period to be appropriated9905€-26k€-6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-6k▲
Transfer from equity791/2€26k€6k▼
The notes to these accounts (1 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 43.58
Current ratio from 6.47 to 43.58; short-term debt falls from €11k to €786.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.47
Current ratio from 2.96 to 6.47; short-term debt falls from €34k to €11k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €45k ▲129%
Operating result €56k, net result €45k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.23
Current ratio from 1.57 to 3.23; short-term debt falls from €37k to €30k.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Oostende · 1 establishment unit since 2019
Ground area
498 m²
Building footprint
464 m²
Volume, LiDAR
11,527 m³
Parcel 35013A1272/00M000, Flanders · tallest building 28.7 m, ±9 floors. Linked by address, not a title deed.
6
companies at this address
See who is registered here
1 establishment unit
Creabbatical
since 20192.299.512.781
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1272/00M000 | Flanders | 498 m² | 1 · 464 m² | 28.7 m · 9 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.
Similar companies · same sector, comparable size
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SEVEN OAKS
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XCMANAGEMENT
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M&M JONCKHEERE
BE 0895.043.546
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Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 33,743 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:benoit.tas@levantas.be