ATELIER CREATIO
ActiveThe computed 12-month bankruptcy probability of ATELIER CREATIO is 2.7% (moderate). The 2025 annual accounts show equity of €25k and a net result of €13k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 41% of 7760 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
56
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+83
Solvency62▲+12
Growth52▲+20
Track record94
Bankruptcy probability, 12 months
2.7%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.22 against 1.35 in 2024; short-term debt: 43.3% and cash: 0.4% of total assets), but 62.8% 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
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 →
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
37.2%
Return on assets
18.5%
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 29-06-2026, 32 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
32 d early
2024
on the day
2023
on the day
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€13k
2024 · €-12k
2023: €22k
2024: €-12k
2023 → 2025
Working capital
€36k▲ 197%
2024 · €12k
2023: €24k
2024: €12k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€25k-€13k▼ 49.2%€25k▲ 99.0%
Operating result€28k-€-11k€17k
Net result€22k-€-12k€13k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €17k after a loss of €11k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€3k▼ 35.2%
Current assets
€65k▲ 39.1%
Equity and liabilities €68k
Equity
€25k▲ 99.0%
Debt
€43k▲ 11.0%
The debt ratio falls from 75.2% to 62.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €-8k
Cash flow
€15k▲
2024 · €-10k
Solvency
37.2%▲
2024 · 24.8%
Current ratio
2.22▲
2024 · 1.35
Quick ratio
2.22▲
2024 · 1.35
Debt / equity
1.69▼
2024 · 3.03
ROE
49.8%▲
2024 · -96.8%
ROA
18.5%▲
2024 · -24.0%
Interest coverage
4.99▲
2024 · -5.85
Debt
€43k▲
2024 · €38k
Debt ≤ 1 year
€29k▼
2024 · €35k
Debt > 1 year
€13k▲
2024 · €4k
Income taxes
€220
Staff costs
€4k
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€51k€68k▲
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€54€210▲
Current assets29/58€47k€65k▲
Amounts receivable within one year40/41€44k€64k▲
Trade receivables40€42k€64k▲
Other amounts receivable41€2k€7▼
Cash at bank and in hand54/58€2k€238▼
Deferred charges and accrued income490/1€743€625▼
Equity and liabilities
Total equity and liabilities10/49€51k€68k▲
Equity10/15€13k€25k▲
Contributions10/11€3k€3k=
Reserves13€9k€22k▲
Distributable reserves133€9k€22k▲
Profit (loss) carried forward14€673€221▼
Amounts payable17/49€38k€43k▲
Amounts payable after more than one year17€4k€13k▲
Financial debts170/4€4k€13k▲
Amounts payable within one year42/48€35k€29k▼
Current portion of amounts payable after more than one year42€14k€10k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Advances received on contracts in progress46€1k-
Taxes, remuneration and social security45€11k€7k▼
Taxes450/3€6k€1k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48-€10k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€96k€82k▼
Remuneration, social security and pensions62-€4k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€536€149▼
Gross operating margin9900€-8k€23k▲
Operating profit (loss)9901€-11k€17k▲
Financial income75/76B€4€2▼
Recurring financial income75€4€2▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€-12k€13k▲
Income taxes67/77-€220
Profit (loss) for the period9904€-12k€13k▲
Profit (loss) for the period to be appropriated9905€-12k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€13k▲
Profit (loss) brought forward from the previous period14P€946€673▼
Transfer from equity791/2€12k-
Transfer to equity691/2-€13k
To other reserves6921-€13k
The notes to these accounts (9 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
29-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-12k ▼156%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
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, Mons · 1 establishment unit since 2023
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 Brunehaut 767022 MonsGround area
1,422 m²
Building footprint
109 m²
Volume, LiDAR
978 m³
Parcel 53052A0033/00S000, Wallonia · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Atelier Creatio
since 20232.341.969.483
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53052A0033/00S000 | Wallonia | 1,422 m² | 1 · 109 m² | 10.8 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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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 6,530 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2023
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
43350Other building finishing work
29202Manufacture of motor vehicles, trailers and semi-trailers
31002Manufacture of furniture
31004Manufacture of dining room, living room, bedroom and bathroom furniture
43990Other specialised construction activities
43999Specialised construction activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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
1 entryPhone:0472804009