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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. Equity fluctuates too strongly from year to year to read a trend from it. Its solvency ranks better than 19% of 13,716 sector peers (NACE 46, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Overview

Official details

Source: KBO
Status
Active since 28-11-2011 Normal situation
Activity
Agents in the wholesale of furniture, household goods and hardware NACE 46150and 2 others
Joint committee
302 Paritair Comité voor het hotelbedrijf · annual accounts 2022
Establishment unit
2.206.122.369 7870 Lens (Hainaut), since 26-01-2012
Financial year end
31 December
Peppol
Reachable since 08-05-2026

Board and ownership

Board

Financial position

57 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.3%
Annual accounts 2025
Gross margin
€51,950
Turnover
≈ €240,000
estimated
Profit
€50,071
Equity
-€422
▲ 99.2%
Total assets
€27,927
▲ 30.2%
  • Negative equity on 31-12-2025
  • 2025 accounts filed 26 days after the deadline
Filed on 26-08-2026
Score breakdownraises 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 stronger than 73% of micro companies in wholesale trade (NACE 46)
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 within 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% (26,899 companies, NACE 46, micro)
Last 24 months 12-2024: 3.4% 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 11-2026: 0.3%● unchanged vs 10-2026lowest value
No credit on open account
Liquidity is ample, with a current ratio of 9.74 (0.57 in 2024), above the usual 1.5. Short-term debt is 10.3% and cash 29.2% of total assets. However, equity is negative.
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 46, micro). It does better than 16% of them on solvency, 87% on liquidity, 95% on profitability and 93% on growth.

The bankruptcy probability was computed on 01-11-2026 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.

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).

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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 -€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 the company's 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 the company's profile.
NBB · annual accounts
lowers risk · Liquidity: current ratio 9.74, cash €8,147, halved
NBB · annual accounts
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 13716 sector peers (2025).
NBB · sector comparison
Position among 13716 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

The company filed its last 7 accounts on average 20 days after the deadline. In the sector (NACE 46), the median for financial year 2024 was 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 accounts filed within 30 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
01-11-2026 today31-12-2026 year end31-07-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Risk: Negative equitydebts exceed assets in financial year 2025 -€422 View
  • Positive: Equity rose in 2025from -€50,492 to -€422 ▲ 99.2% View
  • Caution: Lower solvency than 80% of companies in wholesale tradesector median 40.6% · 13,716 companies -1.5% View

Recent changes

  1. · Gazette deed Company renamed from RESTO LE SAINT-MALO to Crea home conceptRegistered office moved from Rebecq to Cambron-Saint-Vincent · Resignation: CUYPERS Isabelle (manager) · Appointment: ANDRÉ Aurélie (director)
  2. · Gazette deed Incorporation
All 17 events

Comparable companies

These companies have the same main activity as CREA HOME CONCEPT: agents in the wholesale of furniture, household goods and hardware (NACE 46150). They are comparable in size and age: total assets between €16,700 and €56,900, founded between 2002 and 2017.

CompanyTotal assetsGross margin
CREA HOME CONCEPT Lens (Hainaut)€27,927€51,950
Delanghe Antwerpen€33,774€33,508
VDCR Mouscron€37,352€72,395
Mavaj Waterloo€56,868€26,306
KAHELO Dessel€31,294€12,867
OBSIDIANE Jette€16,675€32,490
VCS SERVICE Huy€55,376€42,076
Full comparison

Key facts about CREA HOME CONCEPT

What is the company number of CREA HOME CONCEPT?
The company number of CREA HOME CONCEPT is 0841.505.385. The VAT number is the same 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?
The legal form of CREA HOME CONCEPT is Private limited company (BV).
When was CREA HOME CONCEPT founded?
CREA HOME CONCEPT was 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?
CREA HOME CONCEPT had an average of 1 full-time equivalents in financial year 2019, according to the filed annual accounts.Financials
Which joint committee does CREA HOME CONCEPT fall under?
In its 2022 annual accounts, CREA HOME CONCEPT states joint committee 302 (Paritair Comité voor het hotelbedrijf).
What is the turnover of CREA HOME CONCEPT?
The turnover in financial year 2025 is ≈ €240,000. This figure is estimated from the gross margin of €51,950 and 30 comparable companies (NACE 461). It probably lies between €120,000 and €570,000. In financial year 2018 turnover was €246,083.
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?
CREA HOME CONCEPT must file the annual accounts for financial year 2026 by 31-07-2027.Timeline

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