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CREA HOME CONCEPT

Active
Private limited companyfounded 2011active for 14 yearsRue Haute(C) 10/A, 7870 Lens (Hainaut), BelgiumKBO/BCE: BE 0841.505.385
Summary

CREA HOME CONCEPT has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€422) and a net result of €50,071. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 19% of 13,660 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

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CREA HOME CONCEPTActiveChecked score 57/100
Risk analysis ReportCompare

Overview

Activity
Agents in the wholesale of furniture, household goods and hardware
NACE 46150
10th oldest company in Lens, Wholesale and retail trade sector1 site
Size
≈ €270,000turnover 2025, estimated
Equity
-€422
Profit
€50,071
Turnover estimated from the gross margin
Financial health
57 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Structure
2025 accounts filed 26 days late1 of 3 deeds summarised
Why 57raises riskCapped at 59: negative equityNegative equity -€422lowers riskFounded in 2011Size: total assets €27,927Liquidity: current ratio 9.74, cash €8,147, halvedShow the evidence

Checked score

Score 2025
57 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 73% of its sector peers (NACE 46, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Strong
Solvency 23+23
equity -1.5% of total assets
Liquidity 86+36
short-term debt 10.3% · cash 29.2%
Profitability 100+100
return on assets 179.3%
Bankruptcy probability, 12 months
0.3% Very low
0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.4% (26,889 companies, NACE 46, micro)
Last 24 months 11-2024: 2.8% 12-2024: 3.4%▲ +0.6 percentage points vs 11-2024 01-2025: 4.6%▲ +1.2 percentage points vs 12-2024 02-2025: 4.6%● unchanged vs 01-2025 03-2025: 4.9%▲ +0.3 percentage points vs 02-2025 04-2025: 4.5%▼ -0.4 percentage points vs 03-2025 05-2025: 4.5%● unchanged vs 04-2025 06-2025: 4.5%● unchanged vs 05-2025 07-2025: 4.5%● unchanged vs 06-2025 08-2025: 5.5%▲ +1.0 percentage point vs 07-2025highest value 09-2025: 1.7%▼ -3.8 percentage points vs 08-2025 10-2025: 1.7%● unchanged vs 09-2025 11-2025: 1.7%● unchanged vs 10-2025 12-2025: 1.7%● unchanged vs 11-2025 01-2026: 1.7%● unchanged vs 12-2025 02-2026: 1.7%● unchanged vs 01-2026 03-2026: 0.8%▼ -0.9 percentage points vs 02-2026 04-2026: 0.8%● unchanged vs 03-2026 05-2026: 0.8%● unchanged vs 04-2026 06-2026: 0.7%▼ -0.1 percentage points vs 05-2026 07-2026: 0.8%▲ +0.1 percentage points vs 06-2026 08-2026: 1.0%▲ +0.2 percentage points vs 07-2026 09-2026: 0.3%▼ -0.7 percentage points vs 08-2026lowest value 10-2026: 0.3%● unchanged vs 09-2026lowest value
No credit on open account
Liquidity ample (current ratio 9.74, compared with 0.57 in 2024, above the usual 1.5; short-term debt: 10.3% and cash: 29.2% of total assets), but equity is negative.
How it is calculated

The band follows from the bankruptcy probability, on a scale where 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 46, micro): better than 16% on solvency, 87% on liquidity, 95% on profitability and 93% on growth.

The bankruptcy probability was computed on 28-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.
lowers riskraises risk
raises risk · Negative equity -€422
NBB · annual accounts
lowers risk · Founded in 2011
Companies that have existed this long fail less often; how much that weighs depends on the rest of its profile.
KBO
lowers risk · Size: total assets €27,927
Companies of this size fail less often; how much that weighs depends on the rest of its profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 9.74, cash €8,147, halved
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 13660 sector peers (2025).
NBB · sector comparison
Position among 13660 sector peers
Solvency
better than 19%
← weakest strongest →
raises risk · 2025 accounts filed 26 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 filings
Deviation from the deadline
2025
26 days late
2024
27 days late
2023
30 days early
2022
31 days late
2021
30 days late
2020
29 days late
2019
28 days late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 20 days after the deadline; the sector median (NACE 46) for financial year 2024 is 3 days before the deadline, and 39% 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 27 August (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
29-10-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €50,071
  3. Liquidity more than 17 timescurrent ratio 9.74

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€422 View
  • Positive: Equity rose in 2025from -€50,492 to -€422 ▲ 99.2% View
  • Caution: Among the weakest 20% on solvencysector median 40.6% · 13,660 companies -1.5% View

By topic

Financials

Financial year
2025
Total assets
€27,927
Profit
€50,071
Solvency
-1.5%
Go to Financials

Timeline

Events
20
Since
2013
Next accounts
by 31-07-2027
  1. 27-08-2025Annual accounts filed
  2. 01-07-2024Annual accounts filed
  3. 01-02-2024Resignation: CUYPERS Isabelle (manager)
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Agents in the wholesale of furniture, household goods…NACE 46150
Founded
28-11-2011
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

Articles of association

Provisions read
16
Who signs
Each director alone
Annual meeting
Fourth Thursday of June at 12:30
Purpose
“La conception, la vente, l'achat, la pose, l'import, l'export de toutes marchandises ayant…” (deed in French)
Go to Articles of association

Key facts about CREA HOME CONCEPT

What is the company number of CREA HOME CONCEPT?
0841.505.385. In Belgium the VAT number is the company number with BE in front: BE 0841.505.385.
Where is CREA HOME CONCEPT based?
The registered office is at Rue Haute(C) 10/A, 7870 Lens (Hainaut).Company details
What does CREA HOME CONCEPT do?
According to the KBO register, the main activity is agents in the wholesale of furniture, household goods and hardware (NACE 46150).
What is the legal form of CREA HOME CONCEPT?
Private limited company (BV).
When was CREA HOME CONCEPT founded?
On 28-11-2011.
Is CREA HOME CONCEPT still active?
Yes, CREA HOME CONCEPT is an active enterprise in the KBO register.
How many employees does CREA HOME CONCEPT have?
On average 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
What is the turnover of CREA HOME CONCEPT?
€246,083 in financial year 2018, according to the filed annual accounts.
Is CREA HOME CONCEPT profitable?
In financial year 2025, CREA HOME CONCEPT made a profit of €50,071.
Where can I find the annual accounts of CREA HOME CONCEPT?
CREA HOME CONCEPT filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of CREA HOME CONCEPT due?
By 31-07-2027, for financial year 2026.Timeline

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