CREAFLOR
ActiveSummary
CREAFLOR has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €25,501 and a net result of -€1,932. Its solvency ranks better than 44% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability40▲+40
Solvency52▲+3
Growth58
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days acceptable
Liquidity short (current ratio 0.99 against 0.99 in 2024; short-term debt: 34.2% of total assets), and 72.9% of the assets are financed with debt.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← 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
27.1%
Return on assets
-2.1%
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
2425
2024 to 2025 · latest year -€1,932
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 · 2 filingsDeviation from the deadline
2025
11 d late
2024
25 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 18 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
In the rankings
#3 oldest company in Jurbise, Wholesale and retail trade sector
Equity
€25,501▼ 7.0%
2024 · €27,432
Total assets
€94,201▼ 17.7%
2024 · €114,457
Net result
-€1,932▲ 90.2%
2024 · -€19,682
Working capital
-€169▲ 73.4%
2024 · -€634
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line20242025
Operating result-€17,095-€675
Net result-€19,682below the sector's middle half--€1,932within the sector's middle half▲ 90.2%
Equity€27,432within the sector's middle half-€25,501within the sector's middle half▼ 7.0%
Total assets€114,457within the sector's middle half-€94,201within the sector's middle half▼ 17.7%
Debt€87,025-€68,700▼ 21.1%
Working capital-€634within the sector's middle half--€169within the sector's middle half▲ 73.4%
Solvency24.0%within the sector's middle half-27.1%within the sector's middle half▲ 3.1pp
Current ratio0.99within the sector's middle half-0.99within the sector's middle half▲ 0.01
Return on assets (ROA)-17.2%below the sector's middle half--2.1%within the sector's middle half▲ 15.1pp
Staff (FTE)3.5-
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, 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 returns to profit in 2025: €675 after a loss of €17,095 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94,201
Fixed assets
€62,120 ▼ 8.8%
Current assets
€32,081 ▼ 30.8%
Equity and liabilities €94,201
Equity
€25,501 ▼ 7.0%
Debt
€68,700 ▼ 21.1%
Debt's share of the balance-sheet total falls from 76.0% to 72.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€6,677▲
2024 · -€11,250
Cash flow
€4,071▲
2024 · -€13,837
Quick ratio
0.74▼
2024 · 0.79
Debt to equity
2.69▼
2024 · 3.17
ROE
-7.6%▲
2024 · -71.7%
Interest coverage
2.89▲
2024 · -4.35
Debt ≤ 1 year
€32,250▼
2024 · €46,969
Debt > 1 year
€35,450▼
2024 · €40,056
Staff costs
€89,983▲
2024 · €85,700
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.7% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Remuneration, social security and pensions62 | €85,700 | €89,983 | ▲ 5.0% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5,845 | €6,002 | ▲ 2.7% |
| Other operating charges640/8 | €1,952 | €1,587 | ▼ 18.7% |
| Gross operating margin9900 | €76,402 | €98,247 | ▲ 28.6% |
| Operating profit (loss)9901 | -€17,095 | €675 | ▲ 104% |
| Financial income75/76B | - | €16 | - |
| Recurring financial income75 | - | €16 | - |
| Financial charges65/66B | €2,587 | €2,622 | ▲ 1.4% |
| Recurring financial charges65 | €2,587 | €2,314 | ▼ 10.5% |
| Non-recurring financial charges66B | - | €308 | - |
| Profit (loss) for the period before taxes9903 | -€19,682 | -€1,932 | ▲ 90.2% |
| Profit (loss) for the period9904 | -€19,682 | -€1,932 | ▲ 90.2% |
| Profit (loss) for the period to be appropriated9905 | -€19,682 | -€1,932 | ▲ 90.2% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €114,457 | €94,201 | ▼ 17.7% |
| Fixed assets21/28 | €68,122 | €62,120 | ▼ 8.8% |
| Tangible fixed assets22/27 | €68,122 | €62,120 | ▼ 8.8% |
| Land and buildings22 | €3,205 | €2,947 | ▼ 8.0% |
| Plant, machinery and equipment23 | €61,745 | €622 | ▼ 99.0% |
| Furniture and vehicles24 | €3,172 | €2,518 | ▼ 20.6% |
| Other tangible fixed assets26 | - | €56,033 | - |
| Current assets29/58 | €46,335 | €32,081 | ▼ 30.8% |
| Stocks and contracts in progress3 | €9,224 | €8,368 | ▼ 9.3% |
| Stocks30/36 | €9,224 | €8,368 | ▼ 9.3% |
| Amounts receivable within one year40/41 | €27,340 | €16,097 | ▼ 41.1% |
| Trade receivables40 | €24,540 | €13,192 | ▼ 46.2% |
| Other amounts receivable41 | €2,800 | €2,905 | ▲ 3.7% |
| Current investments50/53 | - | €5,407 | - |
| Cash at bank and in hand54/58 | €7,594 | - | - |
| Deferred charges and accrued income490/1 | €2,177 | €2,209 | ▲ 1.5% |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €114,457 | €94,201 | ▼ 17.7% |
| Equity10/15 | €27,432 | €25,501 | ▼ 7.0% |
| Contributions10/11 | €546 | €546 | = |
| Reserves13 | €6,197 | €6,197 | = |
| Non-distributable reserves130/1 | - | €6,197 | - |
| Reserves not available under the articles1311 | - | €6,197 | - |
| Distributable reserves133 | €6,197 | - | - |
| Profit (loss) carried forward14 | €20,689 | €18,758 | ▼ 9.3% |
| Amounts payable17/49 | €87,025 | €68,700 | ▼ 21.1% |
| Amounts payable after more than one year17 | €40,056 | €35,450 | ▼ 11.5% |
| Financial debts170/4 | €40,056 | €35,450 | ▼ 11.5% |
| Amounts payable within one year42/48 | €46,969 | €32,250 | ▼ 31.3% |
| Current portion of amounts payable after more than one year42 | - | €6,601 | - |
| Financial debts43 | €4,372 | - | - |
| Credit institutions430/8 | €4,372 | - | - |
| Trade debts44 | €26,379 | €11,919 | ▼ 54.8% |
| Suppliers440/4 | €26,379 | €11,919 | ▼ 54.8% |
| Taxes, remuneration and social security45 | €14,222 | €13,730 | ▼ 3.5% |
| Remuneration and social security454/9 | €14,222 | €13,730 | ▼ 3.5% |
| Other amounts payable47/48 | €1,996 | - | - |
| Accrued charges and deferred income492/3 | - | €1,000 | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€19,682 | -€1,932 | ▲ 90.2% |
| + Depreciation and write-downs630 | €5,845 | €6,002 | ▲ 2.7% |
| Operating cash flow (approximation) | -€13,837 | €4,071 | ▲ 129% |
| Investment in fixed assets (approximation) | - | -€0 | - |
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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Jurbise · 1 establishment unit since 1992
Ground area
1,389 m²
Building footprint
124 m²
Parcel 53023B0225/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
CREAFLOR SCRIS
since 19922.056.276.274
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53023B0225/00G002 | Wallonia | 1,389 m² | 1 · 124 m² | - |
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.
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Of 3,390 companies in sector 47761 we hold annual accounts for 1,156. 673 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
Founded17-02-1992
Fiscal year end31-12
Activities, NACEBEL 2025
47761Retail sale of flowers, plants, seeds and fertilisers
E-invoicing
Reachable via Peppol
Peppol ID
0208:0446550584
Also
9925:BE0446550584
Registered
07-12-2025
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.