CREACITY
ActiveThe annual accounts of CREACITY for fiscal year 2025 show a net loss of 69% of the equity at the start of that year. The 2025 annual accounts show equity of €52k and a net result of €-117k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 27% of 14056 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-69
Solvency30▼-16
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 2.54 against 2.45 in 2024; short-term debt: 38.7% and cash: 3% of total assets), but 94.6% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
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
5.4%
Return on assets
-11.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
27 d late
2023
42 d late
2022
119 d late
2021
122 d late
2020
61 d late
2019
91 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▼ 69.0%
2024 · €169k
2018: €60k
2019: €84k
2020: €21k
2021: €-4k
2022: €-49k
2023: €145k
2024: €169k
2018 → 2025
Total assets
€977k▲ 22.9%
2024 · €795k
2018: €235k
2019: €298k
2020: €252k
2021: €356k
2022: €997k
2023: €321k
2024: €795k
2018 → 2025
Net result
€-117k
2024 · €24k
2018: €-4k
2019: €24k
2020: €-63k
2021: €-25k
2022: €-45k
2023: €194k
2024: €24k
2018 → 2025
Working capital
€584k▲ 26.4%
2024 · €462k
2018: €-62k
2019: €-37k
2020: €19k
2021: €144k
2022: €148k
2023: €130k
2024: €462k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-49k▼ 1,087%€145k€169k▲ 16.8%€52k▼ 69.0%
Operating result€-19k-€-22k▼ 17.9%€254k€42k▼ 83.5%€-93k
Net result€-25k-€-45k▼ 79.6%€194k€24k▼ 87.5%€-117k
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 €93k after €42k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €977k
Fixed assets
€15k▼ 0.9%
Current assets
€962k▲ 23.4%
Equity and liabilities €977k
Equity
€52k▼ 69.0%
Debt
€925k▲ 47.8%
The debt ratio rises from 78.7% to 94.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-93k▼
2024 · €42k
Cash flow
€-117k▼
2024 · €24k
Solvency
5.4%▼
2024 · 21.3%
Current ratio
2.54▲
2024 · 2.45
Quick ratio
0.31▼
2024 · 0.88
Debt / equity
17.64▲
2024 · 3.70
ROE
-222.7%▼
2024 · 14.3%
ROA
-11.9%▼
2024 · 3.1%
Interest coverage
-3.89▼
2024 · 6.74
Debt
€925k▲
2024 · €626k
Debt ≤ 1 year
€378k▲
2024 · €318k
Debt > 1 year
€546k▲
2024 · €308k
Income taxes
€0▼
2024 · €11k
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€795k€977k▲
Fixed assets21/28€15k€15k▼
Tangible fixed assets22/27€1k€1k▼
Plant, machinery and equipment23€1k€1k▼
Financial fixed assets28€14k€14k=
Current assets29/58€780k€962k▲
Stocks and contracts in progress3€499k€845k▲
Stocks30/36€499k€845k▲
Amounts receivable within one year40/41€50k€87k▲
Trade receivables40€19k€19k=
Other amounts receivable41€31k€68k▲
Cash at bank and in hand54/58€230k€30k▼
Equity and liabilities
Total equity and liabilities10/49€795k€977k▲
Equity10/15€169k€52k▼
Contributions10/11€19k€19k=
Reserves13€90k€90k=
Non-distributable reserves130/1€802€802=
Reserves not available under the articles1311€802€802=
Distributable reserves133€89k€89k=
Profit (loss) carried forward14€61k€-56k▼
Amounts payable17/49€626k€925k▲
Amounts payable after more than one year17€308k€546k▲
Financial debts170/4€308k€546k▲
Amounts payable within one year42/48€318k€378k▲
Financial debts43€35k€0▼
Other loans439€35k€0▼
Trade debts44€123k€216k▲
Suppliers440/4€123k€216k▲
Taxes, remuneration and social security45€5k€5k=
Taxes450/3€5k€5k=
Other amounts payable47/48€155k€158k▲
Accrued charges and deferred income492/3€296€296=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€136€136=
Other operating charges640/8€0€419▲
Gross operating margin9900€42k€-92k▼
Operating profit (loss)9901€42k€-93k▼
Financial income75/76B€29€0▼
Recurring financial income75€29€0▼
Financial charges65/66B€6k€24k▲
Recurring financial charges65€6k€24k▲
Profit (loss) for the period before taxes9903€36k€-117k▼
Income taxes67/77€11k€0▼
Profit (loss) for the period9904€24k€-117k▼
Profit (loss) for the period to be appropriated9905€24k€-117k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€-56k▼
Profit (loss) brought forward from the previous period14P€61k€61k▼
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-117k ▼581%
Net result drops to €-117k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Equity above €150kEq €169k ▲16.8%
2 profitable years in a row build equity to €169k.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
31-12
Financial
Back to profitnet €194k
Net result €194k after 3 loss-making years.
31-12
Financial
Equity above €100kEq €145k
Equity rises from €-49k to €145k.
27-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 119 days late
2022
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 122 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 91 days late
2017
18-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 49 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wanze · 1 establishment unit since 2012
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.
Chaussée de Wavre(WAN) 204520 WanzeGround area
104 m²
Building footprint
80 m²
Volume, LiDAR
745 m³
Parcel 61072A0151/00E000, Wallonia · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREACITY
since 20122.213.904.541
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61072A0151/00E000 | Wallonia | 104 m² | 1 · 80 m² | 10.9 m · 3 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.
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IDV REAL ESTATE MANAGEMENT
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Of 3,766 companies in sector 68321 we hold annual accounts for 1,391. 900 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2012
Fiscal year end31-12
Activities, NACEBEL
68321Property management for co-owned buildings (syndics)
68322Real estate activities
46180Agents specialised in the wholesale of other particular products
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.