CREA'Store
ActiveThe computed 12-month bankruptcy probability of CREA'Store is 1.8% (moderate). The 2025 annual accounts show equity of €52k and a net result of €-16k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 26% of 27711 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-2
Solvency50▲+1
Growth55=
Track record100
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity tight (current ratio 1.13 against 0.93 in 2024; short-term debt: 35% and cash: 2.4% of total assets), and 74.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+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 →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
25.2%
Return on assets
-7.7%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-16k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
46 d late
2023
8 d early
2022
32 d late
2021
29 d late
2020
31 d late
2019
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.01M▲ 7.2%
2024 · €943k
2018: €593k
2019: €662k
2020: €843k
2021: €1.18M
2022: €1.01M
2023: €1.00M
2024: €943k
2018 → 2025
EBIT margin
-1.1%▲ 1.0pp
2024 · -2.0%
2018: 1.1%
2019: 1.6%
2020: 2.1%
2021: 5.1%
2022: -1.0%
2023: 1.6%
2024: -2.0%
2018 → 2025
Net result
€-16k▲ 10.7%
2024 · €-18k
2018: €7k
2019: €10k
2020: €16k
2021: €52k
2022: €-8k
2023: €17k
2024: €-18k
2018 → 2025
Working capital
€10k
2024 · €-6k
2018: €-135k
2019: €-64k
2020: €-48k
2021: €-10k
2022: €-19k
2023: €-30k
2024: €-6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.18M-€1.01M▼ 14.0%€1.00M▼ 1.0%€943k▼ 5.8%€1.01M▲ 7.2%
Equity€76k-€69k▼ 10.2%€85k▲ 24.2%€67k▼ 20.8%€52k▼ 23.5%
Operating result€60k-€-10k€16k€-19k€-11k▲ 43.8%
Net result€52k-€-8k€17k€-18k€-16k▲ 10.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €11k in 2025 against €19k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €205k
Fixed assets
€123k▼ 38.5%
Current assets
€81k▼ 0.1%
Equity and liabilities €205k
Equity
€52k▼ 23.5%
Provisions
€1k=
Debt
€152k▼ 28.8%
The debt ratio falls from 75.7% to 74.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€52k▼
2024 · €53k
Cash flow
€46k▼
2024 · €54k
Solvency
25.2%▲
2024 · 23.9%
Current ratio
1.13▲
2024 · 0.93
Quick ratio
1.00▲
2024 · 0.56
Debt / equity
2.95▼
2024 · 3.17
ROE
-30.7%▼
2024 · -26.3%
ROA
-7.7%▼
2024 · -6.3%
Interest coverage
9.02▲
2024 · 8.30
Debt
€152k▼
2024 · €214k
Debt ≤ 1 year
€72k▼
2024 · €87k
Debt > 1 year
€80k▼
2024 · €127k
Income taxes
€-320▼
2024 · €773
Staff costs
€183k▲
2024 · €159k
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€282k€205k▼
Fixed assets21/28€201k€123k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€201k€123k▼
Plant, machinery and equipment23€33k€28k▼
Furniture and vehicles24€10k€6k▼
Leasing and similar rights25€75k€32k▼
Other tangible fixed assets26€83k€59k▼
Current assets29/58€81k€81k▼
Stocks and contracts in progress3€33k€9k▼
Stocks30/36€33k€9k▼
Amounts receivable within one year40/41€28k€60k▲
Trade receivables40€24k€60k▲
Other amounts receivable41€5k€771▼
Cash at bank and in hand54/58€14k€5k▼
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€282k€205k▼
Equity10/15€67k€52k▼
Contributions10/11€14k€14k=
Profit (loss) carried forward14€53k€37k▼
Provisions and deferred taxes16€1k€1k=
Provisions for liabilities and charges160/5€1k€1k=
Environmental obligations163€1k-
Other liabilities and charges164/5-€1k
Amounts payable17/49€214k€152k▼
Amounts payable after more than one year17€127k€80k▼
Financial debts170/4€127k€80k▼
Amounts payable within one year42/48€87k€72k▼
Current portion of amounts payable after more than one year42€32k€25k▼
Trade debts44€2k€5k▲
Suppliers440/4€2k€5k▲
Taxes, remuneration and social security45€24k€29k▲
Taxes450/3€14k€10k▼
Remuneration and social security454/9€10k€19k▲
Other amounts payable47/48€29k€13k▼
Income statement
Code20242025
Turnover70€943k€1.01M▲
Goods, raw materials, services and sundry goods60/61€728k€770k▲
Remuneration, social security and pensions62€159k€183k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€72k€62k▼
Other operating charges640/8€2k€5k▲
Non-recurring operating charges66A€341€338▼
Gross operating margin9900€214k€240k▲
Operating profit (loss)9901€-19k€-11k▲
Financial income75/76B€8k€7k▼
Recurring financial income75€8k€7k▼
Financial charges65/66B€6k€13k▲
Recurring financial charges65€6k€6k▼
Non-recurring financial charges66B-€7k
Profit (loss) for the period before taxes9903€-17k€-16k▲
Income taxes67/77€773€-320▼
Profit (loss) for the period9904€-18k€-16k▲
Profit (loss) for the period to be appropriated9905€-18k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€37k▼
Profit (loss) brought forward from the previous period14P€71k€53k▼
The notes to these accounts (10 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 46 days late
2024
31-12
Financial
Weakest financial yearnet €-18k ▼207%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €52k ▲236%
Operating result €60k, net result €52k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 1 day late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Virton · 2 establishment units since 2016
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.
A la Ville-Basse,Ethe 346760 VirtonGround area
4,887 m²
Building footprint
353 m²
Volume, LiDAR
3,677 m³
2 parcels, Wallonia · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Crea'Store
since 20162.252.000.401
Rue du Chaufour, Berchiwé 11, 6769 Meix-devant-Virton
since 20222.329.281.883
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85043C0592/02K000 | Wallonia | 4,275 m² | 1 · 130 m² | 8.4 m · 2 fl. |
| 85010C0207/00E000 | Wallonia | 612 m² | 1 · 223 m² | 14.7 m · 4 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.
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Of 20,026 companies in sector 43320 we hold annual accounts for 9,136. 7,422 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-04-2016
Fiscal year end31-12
Activities, NACEBEL
43240Other construction installation
43299Specialised construction activities
43320Joinery installation
81300Landscape service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.creastore.be
E-mail:info@creastore.be