CreAction Services
ActiveThe annual accounts of CreAction Services for fiscal year 2025 show a net loss of 61% of total assets and of 56% of the equity at the start of that year. The 2025 annual accounts show equity of €21k and a net result of €-26k. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 46% of 8647 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency73▼-27
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 8.26 against 4.0 in 2024; short-term debt: 10.8% and cash: 4.9% of total assets), but 52.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
47.9%
Return on assets
-60.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 9 filingsDeviation from the deadline
2025
11 d late
2024
25 d late
2023
21 d early
2022
1 d late
2021
39 d early
2020
27 d late
2019
7 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-26k
2024 · €26k
2018: €32k
2019: €-3k
2020: €11k
2021: €-6k
2022: €2k
2023: €29k
2024: €26k
2018 → 2025
Working capital
€34k▼ 14.4%
2024 · €39k
2018: €4k
2019: €5k
2020: €22k
2021: €17k
2022: €11k
2023: €14k
2024: €39k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€20k▼ 10.1%€20k=€47k▲ 131%€21k▼ 55.9%
Operating result€-3k-€4k€40k▲ 825%€43k▲ 6.7%€-23k
Net result€-6k-€2k€29k▲ 1,237%€26k▼ 8.9%€-26k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €23k after €43k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €43k
Fixed assets
€5k▼ 36.6%
Current assets
€38k▼ 26.9%
Equity and liabilities €43k
Equity
€21k▼ 55.9%
Debt
€22k▲ 70.4%
The debt ratio rises from 22.0% to 52.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-21k▼
2024 · €45k
Cash flow
€-23k▼
2024 · €29k
Solvency
47.9%▼
2024 · 78.0%
Current ratio
8.26▲
2024 · 4.00
Quick ratio
2.34▼
2024 · 2.97
Debt / equity
1.09▲
2024 · 0.28
ROE
-126.5%▼
2024 · 56.8%
ROA
-60.6%▼
2024 · 44.3%
Interest coverage
-10.34▼
2024 · 17.29
Debt
€22k▲
2024 · €13k
Debt ≤ 1 year
€5k▼
2024 · €13k
Income taxes
€641▼
2024 · €14k
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€60k€43k▼
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Plant, machinery and equipment23€485€97▼
Furniture and vehicles24€5k€3k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€53k€38k▼
Stocks and contracts in progress3€14k€28k▲
Stocks30/36€14k€28k▲
Amounts receivable within one year40/41€13k€8k▼
Trade receivables40€11k€5k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€26k€2k▼
Deferred charges and accrued income490/1€718€784▲
Equity and liabilities
Total equity and liabilities10/49€60k€43k▼
Equity10/15€47k€21k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€26k€422▼
Amounts payable17/49€13k€22k▲
Amounts payable within one year42/48€13k€5k▼
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Taxes, remuneration and social security45€12k€641▼
Taxes450/3€12k€641▼
Remuneration and social security454/9€2-
Other amounts payable47/48€509-
Accrued charges and deferred income492/3-€18k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€387€412▲
Gross operating margin9900€46k€-20k▼
Operating profit (loss)9901€43k€-23k▼
Financial income75/76B€3€50▲
Recurring financial income75€3€50▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€40k€-25k▼
Income taxes67/77€14k€641▼
Profit (loss) for the period9904€26k€-26k▼
Profit (loss) for the period to be appropriated9905€26k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€422▼
Profit (loss) brought forward from the previous period14P-€26k
The notes to these accounts (6 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Weakest financial yearnet €-26k ▼198%
Net result drops to €-26k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.26
Current ratio from 4.00 to 8.26; short-term debt falls from €13k to €5k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 25 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 4.00
Current ratio from 1.14 to 4.00; short-term debt falls from €99k to €13k.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 1 day late
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.25
Current ratio from 1.23 to 4.25; short-term debt falls from €23k to €7k.
07-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 7 days late
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 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, Chaumont-Gistoux · 1 establishment unit since 2017
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.
Rue du Manypré, Corroy 1291325 Chaumont-GistouxGround area
1,881 m²
Building footprint
93 m²
Volume, LiDAR
616 m³
Parcel 25021I0427/00E000, Wallonia · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CreAction Services
since 20172.260.160.376
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25021I0427/00E000 | Wallonia | 1,881 m² | 1 · 93 m² | 8.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 30,860 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
85599Other education
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.