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CREAGORA

Active
Cooperative companyfounded 201214 yrs activeRue de Fernelmont(CH) 40-42, 5020 Namur, BelgiumKBO/BCE: BE 0847.167.217
Summary

CREAGORA has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.9m and a net result of €86,139. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 59% of 9986 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Risk analysisWatch ReportCompare
CREAGORAActiveChecked score 89/100
Risk analysis ReportCompare

Overview

Activity
Renting and operating of own or leased residential real estate, excluding social housing
NACE 68201Renting and operating of own or leased non-residential real estate, excluding land NACE 68203
1 site
Size
€1.7mturnover 2025
Staff
3.6 FTE
Equity
€5.9m
Profit
€86,139
Financial health
89 Excellent Checked score 2025
Bankruptcy chance 12 m
0.2%
Structure
Accounts 28 d early1 of 14 deeds read
Why 89- Liquidity: current ratio 1.24, cash €250,490- Legal form Cooperative company+ Figures for FY 2025 (filed 03-07-2026)+ Size: turnover €1.7m, 3.6 FTE, total assets €14.0mShow the evidence

Checked score

Score 2025
89 / 100
Excellent
Probability in this band: under 0.55%
Better than 62% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 67+2
equity 42.0% of total assets
Liquidity 52-1
short-term debt 5.1% · cash 1.8%
Profitability 79+4
return on assets 0.6%
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%

About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,360 companies)
Last 16 months 07-2025: 0.5%highest value 08-2025: 0.3%▼ -31.2% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%● 0.0% vs 09-2025 11-2025: 0.3%● 0.0% vs 10-2025 12-2025: 0.3%● 0.0% vs 11-2025 01-2026: 0.3%● 0.0% vs 12-2025 02-2026: 0.3%▼ -3.9% vs 01-2026 03-2026: 0.3%▲ +1.7% vs 02-2026 04-2026: 0.3%▲ +8.6% vs 03-2026 05-2026: 0.3%▲ +3.9% vs 04-2026 06-2026: 0.4%▲ +5.5% vs 05-2026 07-2026: 0.4%▲ +13.3% vs 06-2026 08-2026: 0.2%▼ -45.1% vs 07-2026lowest value 09-2026: 0.2%● 0.0% vs 08-2026lowest value 10-2026: 0.2%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 1.24, cash €250,490 raises the probability
  • Figures for FY 2025 (filed 03-07-2026) lowers the probability
  • Size: turnover €1.7m, 3.6 FTE, total assets €14.0m lowers the probability for this profile
  • Legal form Cooperative company raises the probability
Credit up to €170,000 at 30 days acceptable
Liquidity tight (current ratio 1.24 against 1.78 in 2024; short-term debt: 5.1% and cash: 1.8% of total assets), and 58% 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 68, micro). Better than this share of them on solvency 58%, liquidity 60%, profitability 76%, growth against the median 54%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. 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.

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Signals

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Liquidity: current ratio 1.24, cash €250,490
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Figures for FY 2025 (filed 03-07-2026)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Size: turnover €1.7m, 3.6 FTE, total assets €14.0m
In the bankruptcy model this factor lowers the probability for this profile.
NBB · annual accounts
raises risk · Legal form Cooperative company
In the bankruptcy model this factor raises the probability.
KBO
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 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
28 d early
2024
21 d early
2023
8 d early
2022
33 d early
2021
32 d early
2020
99 d early
2019
43 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 38 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% 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 3 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · abbreviated…
  2. Resignation: Jean-Paul Knaepen (director)Withdrawal: Jean-Paul Knaepen (membre de…
  3. Annual accounts filedfiscal year 2024 · full…

Key points

  • Positive: Result rose in 2025from €32,417 to €86,139 ▲ 166% View
  • Positive: Among the best 6% on equitysector median €312,488 · 9,990 companies €5.9m View
  • Positive: Always filed on timeaccounts within the deadline every year 7 years View
  • A director leftlatest change 24-06-2026 · 0 in office 1 left View

By topic

Financials

Fiscal year
2025
Turnover
€1.7m
Profit
€86,139
Solvency
42.0%
Turnover▲ 3.5%
Net result
20182025
Go to Financials

Timeline

Events
14
Since
2017
Next accounts
by 31-07-2027
  1. 03-07-2026Annual accounts filed
  2. 24-06-2026Resignation: Jean-Paul Knaepen (director)
  3. 10-07-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Cooperative company
Activity
Renting and operating of own or leased residential…NACE 68201
Founded
05-07-2012
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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