BICREATION
ActiveBICREATION has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €208k and a net result of €95k. Equity is growing by ~40.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+36
Solvency82▼-3
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.67 against 4.35 in 2024; short-term debt: 31.2% and cash: 56.6% of total assets), and 43.2% 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 · 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
56.8%
Return on assets
26.1%
Age of the figures
9 mo
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
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
45 d early
2023
7 d late
2022
14 d late
2021
5 d early
2020
39 d early
2019
26 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 51.2%
2024 · €137k
2018: €20k
2019: €27k
2020: €38k
2021: €73k
2022: €115k
2023: €129k
2024: €137k
2018 → 2025
Total assets
€365k▲ 58.6%
2024 · €230k
2018: €126k
2019: €154k
2020: €158k
2021: €175k
2022: €214k
2023: €250k
2024: €230k
2018 → 2025
Net result
€95k▲ 1,030%
2024 · €8k
2018: €2k
2019: €8k
2020: €25k
2021: €34k
2022: €42k
2023: €27k
2024: €8k
2018 → 2025
Working capital
€190k▲ 50.1%
2024 · €126k
2018: €14k
2019: €15k
2020: €23k
2021: €49k
2022: €87k
2023: €127k
2024: €126k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€73k-€115k▲ 58.4%€129k▲ 11.9%€137k▲ 6.5%€208k▲ 51.2%
Operating result€54k-€63k▲ 18.0%€43k▼ 32.0%€18k▼ 58.6%€141k▲ 690%
Net result€34k-€42k▲ 23.7%€27k▼ 36.2%€8k▼ 69.0%€95k▲ 1,030%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 690% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €365k
Fixed assets
€62k▼ 6.8%
Current assets
€304k▲ 84.9%
Equity and liabilities €365k
Equity
€208k▲ 51.2%
Debt
€158k▲ 69.5%
The debt ratio rises from 40.4% to 43.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€145k▲
2024 · €23k
Cash flow
€100k▲
2024 · €14k
Solvency
56.8%▼
2024 · 59.6%
Current ratio
2.67▼
2024 · 4.35
Quick ratio
2.63▼
2024 · 4.25
Debt / equity
0.76▲
2024 · 0.68
ROE
45.9%▲
2024 · 6.1%
ROA
26.1%▲
2024 · 3.7%
Interest coverage
31.85▲
2024 · 4.88
Debt
€158k▲
2024 · €93k
Debt ≤ 1 year
€114k▲
2024 · €38k
Debt > 1 year
€44k▼
2024 · €55k
Income taxes
€41k▲
2024 · €5k
Staff costs
€13k▼
2024 · €17k
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€230k€365k▲
Fixed assets21/28€66k€62k▼
Tangible fixed assets22/27€62k€57k▼
Land and buildings22€55k€53k▼
Plant, machinery and equipment23€1k€647▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€4k€3k▼
Financial fixed assets28€4k€4k=
Current assets29/58€164k€304k▲
Stocks and contracts in progress3€4k€4k=
Stocks30/36€4k€4k=
Amounts receivable within one year40/41€31k€65k▲
Trade receivables40€14k€49k▲
Other amounts receivable41€18k€16k▼
Current investments50/53€20k€25k▲
Cash at bank and in hand54/58€105k€207k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€230k€365k▲
Equity10/15€137k€208k▲
Reserves13€137k€208k▲
Distributable reserves133€137k€208k▲
Amounts payable17/49€93k€158k▲
Amounts payable after more than one year17€55k€44k▼
Financial debts170/4€55k€44k▼
Amounts payable within one year42/48€38k€114k▲
Current portion of amounts payable after more than one year42€11k€28k▲
Trade debts44€20k€27k▲
Suppliers440/4€20k€27k▲
Taxes, remuneration and social security45€8k€28k▲
Taxes450/3€4k€28k▲
Remuneration and social security454/9€3k€118▼
Other amounts payable47/48-€31k
Income statement
Code20242025
Remuneration, social security and pensions62€17k€13k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€4k▼
Other operating charges640/8€10k€13k▲
Gross operating margin9900€51k€170k▲
Operating profit (loss)9901€18k€141k▲
Financial income75/76B€594€156▼
Recurring financial income75€594€156▼
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€14k€136k▲
Income taxes67/77€5k€41k▲
Profit (loss) for the period9904€8k€95k▲
Profit (loss) for the period to be appropriated9905€8k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€95k▲
Transfer from equity791/2-€25k
Transfer to equity691/2€8k€95k▲
To other reserves6921€8k€95k▲
Profit to be distributed694/7-€25k
Return on contributions (dividend)694-€25k
The notes to these accounts (5 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €95k ▲1030%
Operating result €141k, net result €95k, both a record.
31-12
Financial
Equity above €200kEq €208k ▲51.2%
8 profitable years in a row build equity to €208k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
14-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 14 days late
2022
31-12
Financial
Equity above €100kEq €115k ▲58.4%
5 profitable years in a row build equity to €115k.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ukkel · 1 establishment unit since 2010
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.
Beersellaan 961180 UkkelGround area
463 m²
Building footprint
194 m²
Volume, LiDAR
2,453 m³
2 parcels, Brussels · tallest building 20.8 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Charles Legrellestraat 27a, 1040 Etterbeek
since 20102.191.871.287
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0336/00M004 | Brussels | 288 m² | 1 · 79 m² | 10.7 m · 3 fl. |
| 21362B0299/00T006 | Brussels | 175 m² | 1 · 115 m² | 20.8 m · 6 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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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DERETZ CONSTRUCT
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Of 15,542 companies in sector 43990 we hold annual accounts for 7,421. 5,801 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-09-2010
Fiscal year end31-12
Trade name FR
A l’Ombre d’une Fleur
Activities, NACEBEL
43990Other specialised construction activities
43999Specialised construction activities
47761Retail sale of flowers, plants, seeds and fertilisers
95290Repair and maintenance of other personal and household goods
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.