Equity
-€84,841
Debts exceed assets in financial year 2025.
Conseil, Créativité, Aide
Lifetime
20 annual accounts with figures on one time axis, 44 filings since 1982peak €73,431 (2007)
-€7,366▲ €3,812
lowest -€33,936 (2008)
-€12,108▲ €3,514
peak €136,553 (2007)
-€84,841▼ €12,108
€133,115▼ 15.1%
peak 1 FTE (2006)
-not published
Board5 names since 2017
2 directorsBenjamin PREUD'HOMME and 1 other
Documentsfilings and deeds
31-08-202631 days late
2025abbreviated format
Gross margin from -€11,178 to -€7,366Loss of €12,108Equity from -€72,733 to -€84,841Debts from €156,711 to €133,115Cash from €36,142 to €1,632
Key points
from the 2025 annual accountsLosses
-€323,543 in 18 years
Every financial year from 2008 to 2025 closed with a loss. 2008 was the heaviest.
Debts
€133,115 276% of the balance sheet
Filings
44 annual accounts since 1982
Three of the last ten came late. The 2025 accounts came latest: 31 days after the end of the period.
Board
2 joined · 2 left
Board changed. Latest change 16-10-2026 · 2 in office.
Position in the sector
-175.7%
Lower solvency than 95% of companies in real estate. Sector median 30.8% · 11,289 companies.
Turnover not published (abbreviated or micro format)
Checked score
53
Fair
Financially stronger than 10% of micro companies in real estate (NACE 68)
Probability in this band: 1.5% to 4.2%
Negative equity caps the score at 59.
Bankruptcy probability within 12 months
0.7% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,626 companies (NACE 68, micro).
About 7 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025lowest value
03-2025: 0.2%● unchanged vs 02-2025lowest value
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.3%▲ +0.1 percentage points vs 06-2025
08-2025: 0.4%▲ +0.1 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.5%▲ +0.1 percentage points vs 05-2026
07-2026: 0.5%● unchanged vs 06-2026
08-2026: 0.6%▲ +0.1 percentage points vs 07-2026
09-2026: 0.7%▲ +0.1 percentage points vs 08-2026highest value
10-2026: 0.7%● unchanged vs 09-2026highest value
11-2026: 0.7%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: negative equity
Loss of €12,108, the second in a row (financial year 2025)
Negative equity -€84,841
lowers risk
Size: total assets €48,274
Founded in 1982
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 5% of them on solvency, 7% on liquidity, 4% on profitability and 23% on growth.
The bankruptcy probability was computed on 06-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 6,619 companies had the same profile as Conseil, Créativité, Aide has now. Each dot stands for 17 companies, two years later.
84.5%
were still trading
10.0%
stopped another way
4.5%
went bankrupt
Another 1.0% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Conseil, Créativité, Aide itself is lower: 0.7% within 12 months. It rests on far more data about Conseil, Créativité, Aide than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 6,619 companies, not a prediction for Conseil, Créativité, Aide. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
No credit on open account
Liquidity is insufficient, with a current ratio of 0.04 (0.25 in 2024), below 1. Short-term debt is 275.7% and cash 3.4% of total assets. Equity is negative.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises risk
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€84,841
raises risk · 2025 accounts filed 31 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
31 days late
2024
14 days late
2023
27 days early
2022
41 days early
2021
30 days early
2020
31 days early
2019
3 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 12 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 5 July (4 of the last 5 accounts filed within 40 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
07-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
2 directors appointed, 2 resignations
Resignations: Etienne PREUD'HOMME and Benjamin PREUD'HOMME · Appointments: Camille GROSLAMBERT and Nicolas ALAIMO · Director discharge: Etienne PREUD'HOMME · General meeting of 07-10-2026 · Gazette deed
Reappointments: Benjamin PREUD'HOMME (director) and Etienne PREUD'HOMME (director)
General meeting of 02-03-2023 · Gazette deed
Resignation: Bernard Preud'Homme (director)
Director discharge: Bernard Preud'Homme · General meeting of 03-03-2022 · Gazette deed
Establishment taken over
Rue de la Licorne (H.) 52, Mons · in the KBO since 1800
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Conseil, Créativité, Aide Mons | €48,274 | -€7,366 | -175.7% | - |
| Brufranco Kontich | €53,257 | -€3,808 | 13.7% | - |
| INTERNATIONAL ADVERTISING AND TRADING ASSOCIATED CONSULTANTS Bonheiden | €41,191 | -€32,739 | -264.6% | - |
| PIERPONT PROPERTIES Les Bons Villers | €55,427 | -€7,610 | -27.8% | - |
| CROISSANTERIE SINT AMANDJE Bruges | €48,840 | -€29,882 | 99.4% | - |
| GOOSSENS ROGER VASTGOED Tienen | €36,959 | €1,350 | -117.2% | - |
| Euroconseils Watermael-Boitsfort | €57,480 | -€776 | 55.9% | - |
These companies have the same main activity as Conseil, Créativité, Aide: renting and operating of own or leased residential real estate, excluding social housing (NACE 68201). They are comparable in size and age: total assets between €37,000 and €57,500, founded between 1968 and 1992.
Official details
Source: KBO- Status
- Active since 19-03-1982Normal situation
- Activity
- Renting and operating of own or leased residential real estate, excluding social housingNACE 68201
- Establishment unit
- 2.109.651.5157022 Mons, since 01-01-1800
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Insights on Conseil, Créativité, Aide
Conseil, Créativité, Aide files the abbreviated format. That format states no turnover. The gross margin fell from €39,008 in 2006 to -€7,366 in 2025.
The balance sheet grew most from 2012 to 2013 through fixed assets.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Conseil, Créativité, Aide
- What is the company number of Conseil, Créativité, Aide?
- The company number of Conseil, Créativité, Aide is 0422.574.263. The VAT number is the same number with BE in front: BE 0422.574.263.
- Where is Conseil, Créativité, Aide based?
- The registered office is at Rue de la Licorne (H.) 52, 7022 Mons.Company details
- What does Conseil, Créativité, Aide do?
- According to the KBO register, the main activity is renting and operating of own or leased residential real estate, excluding social housing (NACE 68201).
- What is the legal form of Conseil, Créativité, Aide?
- Conseil, Créativité, Aide is a public limited company (NV).
- When was Conseil, Créativité, Aide founded?
- Conseil, Créativité, Aide was founded on 19-03-1982.
- Is Conseil, Créativité, Aide still active?
- Yes, Conseil, Créativité, Aide is an active enterprise in the KBO register.
- What is the turnover of Conseil, Créativité, Aide?
- The annual accounts for financial year 2025 state no turnover. The abbreviated or micro format does not require it. In financial year 2018 turnover was €18,513.Financials
- Is Conseil, Créativité, Aide profitable?
- In financial year 2025, Conseil, Créativité, Aide made a loss of €12,108.
- Where can I find the annual accounts of Conseil, Créativité, Aide?
- Conseil, Créativité, Aide filed 44 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Conseil, Créativité, Aide due?
- Conseil, Créativité, Aide must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
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