Financials
- Fiscal year
- 2025
- Total assets
- €1.9m
- Profit
- €28,091
- Solvency
- 72.7%
Total assets▲ 16.6%
Net result
20192025
CREADE CONSULT
ActiveSummary
CREADE CONSULT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.4m and a net result of €28,091. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 69% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Business and other management consultancy
NACE 70200Business consulting NACE 70220NACE 74142
1 site
Size
€1.9mtotal assets 2025
- Equity
- €1.4m
- Profit
- €28,091
Net result -97%: 12-month year
Structure
Accounts filed 45 d late0 of 4 deeds read
Why 95- Latest accounts 45 days late; 2 of the last 3 late+ Liquidity: current ratio 8.16, cash €969,455+ Size: total assets €1.9m+ Sector Activities of head offices; management consultancy activities (NACE 70)Show the evidence
Checked score
Score 2025
95
/ 100
Excellent
Probability in this band: under 0.55%
Better than 61% of its sector peers (NACE 70, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
98-2
equity 72.7% of total assets
Liquidity
100=
short-term debt 8.8% · cash 49.9%
Profitability
71-29
return on assets 1.4%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
11-2024: 0.1%
12-2024: 0.1%▲ +17.0% vs 11-2024
01-2025: 0.1%▲ +54.8% vs 12-2024
02-2025: 0.1%▲ +10.4% vs 01-2025
03-2025: 0.2%▲ +48.1% vs 02-2025
04-2025: 0.4%▲ +134% vs 03-2025
05-2025: 0.4%▼ -3.0% vs 04-2025
06-2025: 0.4%▲ +6.7% vs 05-2025highest value
07-2025: 0.4%▼ -7.9% vs 06-2025
08-2025: 0.4%● 0.0% vs 07-2025
09-2025: 0.4%● 0.0% vs 08-2025
10-2025: 0.4%● 0.0% vs 09-2025
11-2025: < 0.1%▼ -89.4% vs 10-2025
12-2025: < 0.1%● 0.0% vs 11-2025
01-2026: < 0.1%▼ -5.4% vs 12-2025lowest value
02-2026: < 0.1%● 0.0% vs 01-2026lowest value
03-2026: < 0.1%● 0.0% vs 02-2026lowest value
04-2026: < 0.1%● 0.0% vs 03-2026lowest value
05-2026: < 0.1%● 0.0% vs 04-2026lowest value
06-2026: < 0.1%▲ +2.9% vs 05-2026
07-2026: < 0.1%▲ +8.3% vs 06-2026
08-2026: < 0.1%▲ +25.6% vs 07-2026
09-2026: 0.1%▲ +8.2% vs 08-2026
10-2026: < 0.1%▼ -7.5% vs 09-2026
- Latest accounts 45 days late; 2 of the last 3 late raises the probability
- Liquidity: current ratio 8.16, cash €969,455 lowers the probability
- Size: total assets €1.9m lowers the probability for this profile
- Sector Activities of head offices; management consultancy activities (NACE 70) lowers the probability
Credit up to €130,000 at 30 days acceptable
Liquidity ample (current ratio 8.16 against 7.11 in 2024; short-term debt: 8.8% and cash: 49.9% of total assets), and 27.3% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 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% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 70, micro). Better than this share of them on solvency 69%, liquidity 97%, profitability 34%, growth against the median 43%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €1.4m
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-09-2026, 45 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
45 d late
2024
75 d late
2023
on the day
2022
2 d late
2021
3 d late
2020
46 d late
2019
31 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 20 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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.
Companies Code · seven monthsPosition in the running window
03-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- General meeting · Share transferDirector in office · Director…
- Annual accounts filedfiscal year 2024 · full…
Key points
By topic
Timeline
- Events
- 15
- Since
- 2016
- Next accounts
- by 31-07-2027
- 14-09-2026Annual accounts filed
- 02-04-2026General meeting · Share transfer
- 14-10-2025Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Business and other management consultancyNACE 70200
- Founded
- 28-03-2006
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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