7 CREAT'YVES
ActiveThe computed 12-month bankruptcy probability of 7 CREAT'YVES is 3.7% (moderate). The 2025 annual accounts show equity of €15k and a net result of €-791. Its solvency ranks better than 17% of 27676 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability68▼-6
Solvency39▲+2
Growth32
Track record94
Bankruptcy probability, 12 months
3.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity short (current ratio 0.17 against 0.2 in 2024; short-term debt: 86% and cash: 10.6% of total assets), and 86% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
14%
Return on assets
-0.7%
Age of the figures
18 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 27676 sector peers (2025).
NBB · sector comparisonPosition among 27676 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 27-11-2025, 27 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 · 2 filingsDeviation from the deadline
2025
27 d late
2024
27 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€142k
EBIT margin
2.9%
Net result
€-791
2024 · €2k
2024: €2k
2024 → 2025
Working capital
€-77k▲ 13.7%
2024 · €-89k
2024: €-89k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Turnover€142k-
Equity€16k-€15k▼ 5.0%
Operating result€4k-€-190
Net result€2k-€-791
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 €190 after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €108k
Fixed assets
€92k▼ 14.7%
Current assets
€16k▼ 28.9%
Equity and liabilities €108k
Equity
€15k▼ 5.0%
Debt
€93k▼ 18.8%
The debt ratio falls from 87.8% to 86.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€17k▼
2024 · €21k
Cash flow
€16k▼
2024 · €19k
Solvency
14.0%▲
2024 · 12.2%
Current ratio
0.17▼
2024 · 0.20
Quick ratio
0.17▼
2024 · 0.20
Debt / equity
6.12▼
2024 · 7.17
ROE
-5.2%▼
2024 · 11.5%
ROA
-0.7%▼
2024 · 1.4%
Interest coverage
159.32▲
2024 · 121.63
Debt
€93k▼
2024 · €114k
Debt ≤ 1 year
€93k▼
2024 · €111k
Income taxes
€495▼
2024 · €2k
Staff costs
€4k▼
2024 · €6k
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€130k€108k▼
Fixed assets21/28€108k€92k▼
Intangible fixed assets21€105k€90k▼
Tangible fixed assets22/27€3k€2k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€2k€0▼
Current assets29/58€23k€16k▼
Amounts receivable within one year40/41€11k€2k▼
Trade receivables40-€2k
Other amounts receivable41€11k-
Cash at bank and in hand54/58€8k€11k▲
Deferred charges and accrued income490/1€3k€3k▲
Equity and liabilities
Total equity and liabilities10/49€130k€108k▼
Equity10/15€16k€15k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€14k€14k▼
Amounts payable17/49€114k€93k▼
Amounts payable after more than one year17€3k-
Trade debts175€3k-
Amounts payable within one year42/48€111k€93k▼
Trade debts44€7k€229▼
Suppliers440/4€7k€229▼
Advances received on contracts in progress46€6k-
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Other amounts payable47/48€96k€90k▼
Income statement
Code20242025
Turnover70€142k-
Goods, raw materials, services and sundry goods60/61€114k-
Remuneration, social security and pensions62€6k€4k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Other operating charges640/8€617€943▲
Non-recurring operating charges66A€126€259▲
Gross operating margin9900€28k€22k▼
Operating profit (loss)9901€4k€-190▼
Financial charges65/66B€174€106▼
Recurring financial charges65€174€106▼
Profit (loss) for the period before taxes9903€4k€-296▼
Income taxes67/77€2k€495▼
Profit (loss) for the period9904€2k€-791▼
Profit (loss) for the period to be appropriated9905€2k€-791▼
Appropriation of the result
Profit (loss) to be appropriated9906€14k€14k▼
Profit (loss) brought forward from the previous period14P€13k€14k▲
The notes to these accounts (6 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
2025
27-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Lasne · 1 establishment unit since 2022
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 aux Fleurs 211380 LasneGround area
610 m²
Building footprint
122 m²
Volume, LiDAR
772 m³
Parcel 25076A0225/00C000, Wallonia · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
7 CREAT'YVES
since 20222.341.431.035
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0225/00C000 | Wallonia | 610 m² | 1 · 122 m² | 7.8 m · 2 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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Londerzeel · Eq €15k
RR-MAATWERK
BE 1006.201.091
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PARKET VANDYCKE
BE 0639.998.377
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Atelier1729
BE 0766.949.603
Zoutleeuw · Eq €15k
Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 5,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2022
Fiscal year end31-03
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:juvanescote@hotmail.fr
Phone:+32497106735