Summary
CREABILITY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €386,114 and a net result of €452,631. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 77% of 2463 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
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 01-07-2026, 30 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
30 d early
2024
on the day
2023
34 d early
2022
16 d late
2021
19 d late
2020
31 d early
2019
18 d early
← 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 11 days before the deadline; the sector median for financial year 2024 is 5 days before the deadline, and 38% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 31 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€386,114▲ 672%
2024 · €49,983
Net result
€452,631▲ 1,487%
2024 · €28,518
Total assets
€493,427▲ 433%
2024 · €92,564
Solvency
78.3%▲ 24.3pp
2024 · 54.0%
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€36,741▲ 51.6%€32,103▼ 12.6%€23,799▼ 25.9%€22,777▼ 4.3%€37,262▲ 63.6%
Net result€29,522within the sector's middle half▲ 58.9%€23,195within the sector's middle half▼ 21.4%€29,220within the sector's middle half▲ 26.0%€28,518within the sector's middle half▼ 2.4%€452,631above the sector's middle half▲ 1,487%
Equity€45,650within the sector's middle half▲ 74.7%€39,245within the sector's middle half▼ 14.0%€53,465within the sector's middle half▲ 36.2%€49,983within the sector's middle half▼ 6.5%€386,114above the sector's middle half▲ 672%
Total assets€58,512below the sector's middle half▲ 33.2%€59,040below the sector's middle half▲ 0.9%€62,175below the sector's middle half▲ 5.3%€92,564below the sector's middle half▲ 48.9%€493,427within the sector's middle half▲ 433%
Debt€9,861▼ 44.6%€16,794▲ 70.3%€6,358▼ 62.1%€40,879▲ 543%€106,000▲ 159%
Working capital€35,981within the sector's middle half▲ 174%€21,718within the sector's middle half▼ 39.6%€26,639within the sector's middle half▲ 22.7%€23,380within the sector's middle half▼ 12.2%€361,923above the sector's middle half▲ 1,448%
Solvency78.0%above the sector's middle half▲ 18.5pp66.5%within the sector's middle half▼ 11.5pp86.0%above the sector's middle half▲ 19.5pp54.0%within the sector's middle half▼ 32.0pp78.3%above the sector's middle half▲ 24.3pp
Current ratio4.77above the sector's middle half▲ 3.032.29within the sector's middle half▼ 2.485.19above the sector's middle half▲ 2.901.57within the sector's middle half▼ 3.624.41above the sector's middle half▲ 2.84
Return on assets (ROA)50.5%above the sector's middle half▲ 8.2pp39.3%above the sector's middle half▼ 11.2pp47.0%above the sector's middle half▲ 7.7pp30.8%above the sector's middle half▼ 16.2pp91.7%above the sector's middle half▲ 60.9pp
above
within
below
the middle half (P25 to P75) of NACE 66, Activities auxiliary to financial services and insurance activities, each year against the same schema; no band under 30 filings.
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 64% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €493,427
Fixed assets
€25,504 ▼ 9.9%
Current assets
€467,923 ▲ 628%
Equity and liabilities €493,427
Equity
€386,114 ▲ 672%
Provisions
€1,313 ▼ 22.9%
Debt
€106,000 ▲ 159%
Debt's share of the balance-sheet total falls from 44.2% to 21.5%. Equity and debt are higher.
Key figures and ratios
ROE
117.2%▲
2024 · 57.1%
Debt ≤ 1 year
€106,000▲
2024 · €40,879
Income taxes
€7,413▲
2024 · €5,644
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €740 | €1,869 | €2,763 | €2,801 | ▲ 1.4% |
| Other operating charges640/8 | €787 | €3,136 | €760 | €781 | €807 | ▲ 3.3% |
| Gross operating margin9900 | €37,528 | €35,979 | €26,428 | €26,321 | €40,870 | ▲ 55.3% |
| Operating profit (loss)9901 | €36,741 | €32,103 | €23,799 | €22,777 | €37,262 | ▲ 63.6% |
| Financial income75/76B | - | €1 | €12,500 | €12,500 | €423,792 | ▲ 3,290% |
| Recurring financial income75 | - | €1 | €12,500 | €12,500 | €423,792 | ▲ 3,290% |
| Financial charges65/66B | €77 | €2,345 | €2,143 | €1,764 | €1,399 | ▼ 20.7% |
| Recurring financial charges65 | €77 | €2,345 | €2,143 | €1,764 | €1,399 | ▼ 20.7% |
| Profit (loss) for the period before taxes9903 | €36,664 | €29,759 | €34,156 | €33,512 | €459,655 | ▲ 1,272% |
| Transfer from deferred taxes780 | - | - | €649 | €649 | €390 | ▼ 40.0% |
| Transfer to deferred taxes680 | €3,001 | €0 | - | - | - | - |
| Income taxes67/77 | €4,141 | €6,564 | €5,585 | €5,644 | €7,413 | ▲ 31.4% |
| Profit (loss) for the period9904 | €29,522 | €23,195 | €29,220 | €28,518 | €452,631 | ▲ 1,487% |
| Transfer from tax-exempt reserves789 | - | - | €1,948 | €1,948 | €1,948 | = |
| Transfer to tax-exempt reserves689 | €12,005 | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €17,517 | €23,195 | €31,168 | €30,466 | €454,580 | ▲ 1,392% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €58,512 | €59,040 | €62,175 | €92,564 | €493,427 | ▲ 433% |
| Fixed assets21/28 | €12,990 | €20,528 | €29,177 | €28,305 | €25,504 | ▼ 9.9% |
| Tangible fixed assets22/27 | - | €7,538 | €16,187 | €15,315 | €12,514 | ▼ 18.3% |
| Furniture and vehicles24 | - | €3,586 | €3,242 | €3,000 | €1,634 | ▼ 45.5% |
| Other tangible fixed assets26 | - | €3,952 | €12,946 | €12,315 | €10,880 | ▼ 11.7% |
| Financial fixed assets28 | €12,990 | €12,990 | €12,990 | €12,990 | €12,990 | = |
| Current assets29/58 | €45,522 | €38,512 | €32,997 | €64,259 | €467,923 | ▲ 628% |
| Amounts receivable within one year40/41 | €2,999 | €2,999 | €415 | €1,271 | €4,693 | ▲ 269% |
| Trade receivables40 | - | - | - | - | €1,750 | - |
| Other amounts receivable41 | €2,999 | €2,999 | €415 | €1,271 | €2,943 | ▲ 132% |
| Current investments50/53 | - | - | - | - | €305,207 | - |
| Cash at bank and in hand54/58 | €42,522 | €34,044 | €31,925 | €61,525 | €157,359 | ▲ 156% |
| Deferred charges and accrued income490/1 | - | €1,468 | €658 | €1,463 | €665 | ▼ 54.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €58,512 | €59,040 | €62,175 | €92,564 | €493,427 | ▲ 433% |
| Equity10/15 | €45,650 | €39,245 | €53,465 | €49,983 | €386,114 | ▲ 672% |
| Contributions10/11 | €6,200 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Reserves13 | €37,865 | €20,645 | €34,865 | €31,383 | €367,514 | ▲ 1,071% |
| Tax-exempt reserves132 | €12,005 | €12,005 | €10,056 | €8,108 | €6,159 | ▼ 24.0% |
| Distributable reserves133 | €25,860 | €8,640 | €24,809 | €23,275 | €361,355 | ▲ 1,453% |
| Profit (loss) carried forward14 | €1,585 | €0 | €0 | €0 | €0 | - |
| Provisions and deferred taxes16 | €3,001 | €3,001 | €2,352 | €1,702 | €1,313 | ▼ 22.9% |
| Deferred taxes168 | €3,001 | €3,001 | €2,352 | €1,702 | €1,313 | ▼ 22.9% |
| Amounts payable17/49 | €9,861 | €16,794 | €6,358 | €40,879 | €106,000 | ▲ 159% |
| Amounts payable within one year42/48 | €9,541 | €16,794 | €6,358 | €40,879 | €106,000 | ▲ 159% |
| Trade debts44 | €4,701 | €3,175 | €4,507 | €6,964 | €1,630 | ▼ 76.6% |
| Suppliers440/4 | €4,701 | €3,175 | €4,507 | €6,964 | €1,630 | ▼ 76.6% |
| Taxes, remuneration and social security45 | €2,890 | €1,782 | €1,851 | €1,915 | €1,298 | ▼ 32.2% |
| Taxes450/3 | €1,278 | €164 | €164 | €164 | €1,262 | ▲ 672% |
| Remuneration and social security454/9 | €1,612 | €1,619 | €1,688 | €1,751 | €36 | ▼ 97.9% |
| Other amounts payable47/48 | €1,950 | €11,836 | €0 | €32,000 | €103,072 | ▲ 222% |
| Accrued charges and deferred income492/3 | €320 | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,522 | €23,195 | €29,220 | €28,518 | €452,631 | ▲ 1,487% |
| + Depreciation and write-downs630 | - | €740 | €1,869 | €2,763 | €2,801 | ▲ 1.4% |
| Operating cash flow (approximation) | €29,522 | €23,935 | €31,089 | €31,281 | €455,432 | ▲ 1,356% |
| Investment in fixed assets (approximation) | - | -€8,278 | -€10,519 | -€1,890 | €0 | ▲ 100% |
| Change in cash | - | -€8,478 | -€2,120 | €29,601 | €95,834 | ▲ 224% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €452,631 ▲1,487%
Operating result €37,262, net result €452,631, both a record.
31-12
Financial
Liquidity triplescurrent ratio 4.41
Current ratio from 1.57 to 4.41.
31-12
Financial
Equity above €200,000Eq €386,114 ▲672%
8 profitable years in a row build equity to €386,114.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 5.19
Current ratio from 2.29 to 5.19; short-term debt falls from €16,794 to €6,358.
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 4.77
Current ratio from 1.74 to 4.77; short-term debt falls from €17,800 to €9,541.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
31-12
Financial
Weakest financial yearnet €5,555 ▼53.5%
Net result drops to €5,555, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 5.80
Current ratio from 2.21 to 5.80; short-term debt falls from €23,820 to €8,237.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Frameries · 1 establishment unit since 2017
Ground area
1,486 m²
Building footprint
20 m²
Volume, LiDAR
45 m³
Parcel 53072B0320/00K002, Wallonia · tallest building 2.8 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CREABILITY
since 20172.259.246.103
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53072B0320/00K002 | Wallonia | 1,486 m² | 1 · 20 m² | 2.8 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Owners and holdings
2 holdingsOwners 0
The accounts to 31-12-2025 list no shareholders, and no other source names one.
Holdings 2
-
50%
-
49%
According to the 2025 annual accounts of CREABILITY and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.
Connections & network
No current directors or connected companies found in the register.
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Of 4,673 companies in sector 66220 we hold annual accounts for 3,222. 2,674 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded25-11-2016
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0666689017
Registered
21-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.