Financials
- Fiscal year
- 2024
- Turnover
- €9,382
- Loss
- -€4,870
- Solvency
- 49.0%
Turnover▼ 56.0%
Net result
20212024
CREAMAGNA
ActiveSummary
The computed 12-month bankruptcy probability of CREAMAGNA is 2.5% (moderate). The 2024 annual accounts show equity of €8,326 and a net result of -€4,870. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 64% of 26034 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Overview
Activity
Other non-specialised retail sale
NACE 47120Intermediation services for non-specialised retail NACE 47910
1 site
Size
€9,382turnover 2024
- Equity
- €8,326
- Loss
- -€4,870
Structure
Accounts 63 d overdue0 of 1 deed read
Why 52- Figures for FY 2024 (filed 27-08-2025)- 1 financial year not filed after the legal deadline; latest accounts 25 days late; 2 of the last 3 late- Founded in 2020+ Liquidity: current ratio 1.82, cash €8,142Show the evidence
Checked score
Score 2024
52
/ 100
Fair
Probability in this band: 1.5% to 4.2%
Better than 39% of its sector peers (NACE 47, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2023
Weak
Solvency
74-19
equity 49.0% of total assets
Liquidity
74-12
short-term debt 51.0% · cash 47.9%
Profitability
0-63
return on assets -28.7%
Bankruptcy probability, 12 months
2.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
About 2 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 11 months
12-2025: 0.9%lowest value
01-2026: 0.9%▲ +4.1% vs 12-2025
02-2026: 0.9%▼ -0.4% vs 01-2026
03-2026: 0.9%▲ +0.1% vs 02-2026
04-2026: 1.0%▲ +2.8% vs 03-2026
05-2026: 1.0%▲ +1.4% vs 04-2026
06-2026: 0.9%▼ -6.0% vs 05-2026
07-2026: 0.9%▼ -1.2% vs 06-2026
08-2026: 1.2%▲ +34.3% vs 07-2026
09-2026: 1.4%▲ +14.3% vs 08-2026
10-2026: 2.5%▲ +79.6% vs 09-2026highest value
- Figures for FY 2024 (filed 27-08-2025) raises the probability
- 1 financial year not filed after the legal deadline; latest accounts 25 days late; 2 of the last 3 late raises the probability
- Liquidity: current ratio 1.82, cash €8,142 lowers the probability
- Founded in 2020 raises the probability for this profile
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 47, micro). Better than this share of them on solvency 63%, liquidity 80%, profitability 6%, growth against the median 8%. 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
111 d late
2022
310 d late
2021
31 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 119 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 47% of the sector filed late.
Checked, nothing found (1)
- Annual accounts filedfiscal year 2024 · micro…
- Weakest financial yearnet -€4,870
- Annual accounts filedfiscal year 2023 · micro…
Key points
By topic
Timeline
- Events
- 6
- Since
- 2022
- 25-08-2025Annual accounts filed
- 31-12-2024Weakest financial year
- 19-11-2024Annual accounts filed
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Other non-specialised retail saleNACE 47120
- Founded
- 27-05-2020
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
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