creamoda

Active

Non-profit associationfounded 1941active for 85 yearsLeliegaarde 22, 1731 Asse, BelgiumKBO/BCE: BE 0407.694.265

Summary

creamoda has been active since 1941 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.1m and a net result of -€121,568. Equity remains stable across the filed financial years (±1% per year). Its solvency ranks better than 60% of 745 sector peers (NACE 94, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).

Risk analysisFollow Report Compare

creamodaActiveChecked score 92/100

Risk analysis Report Compare

Activity

Activities of business and employers' organisations

NACE 94110

Oldest company in Asse, Other services sector1 site

Size

€5.6mtotal assets 2025

Staff: 6.1 FTE
Equity: €4.1m
Deficit: -€121,568

Financial health

92 Excellent Checked score 2025

Bankruptcy probabilitywithin 12 months: < 0.1%

Structure

2025 accounts 18 days early4 of 10 deeds summarised

Why 92raises riskLoss of €121,568 (financial year 2025)lowers riskLegal form: non-profit associationSector: Activities of membership organisations (NACE 94)Size: 6.1 FTE, total assets €5.6mShow the evidence

Checked score

Score 2025

92 / 100

Excellent

Probability in this band: under 0.55%

Financially better than 33% of its sector peers (NACE 94, micro)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Average

Solvency 97=

equity 72.4% of total assets

Liquidity 56-30

short-term debt 3.5% · cash 4.5%

Profitability 16-54

return on assets -2.2%

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).

Sector median < 0.1% (1,216 companies, NACE 94, micro)

Last 24 months 11-2024: < 0.1% 12-2024: < 0.1%● unchanged vs 11-2024 01-2025: < 0.1%● unchanged vs 12-2024 02-2025: < 0.1%● unchanged vs 01-2025 03-2025: < 0.1%● unchanged vs 02-2025 04-2025: < 0.1%● unchanged vs 03-2025 05-2025: < 0.1%● unchanged vs 04-2025 06-2025: < 0.1%● unchanged vs 05-2025 07-2025: < 0.1%● unchanged vs 06-2025highest value 08-2025: < 0.1%● unchanged vs 07-2025 09-2025: < 0.1%● unchanged vs 08-2025 10-2025: < 0.1%● unchanged vs 09-2025 11-2025: < 0.1%● unchanged vs 10-2025 12-2025: < 0.1%● unchanged vs 11-2025 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026 04-2026: < 0.1%● unchanged vs 03-2026 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026

Credit of up to €370,000 on 30-day terms is acceptable

Liquidity ample (current ratio 24.17, compared with 23.12 in 2024, above the usual 1.5; short-term debt: 3.5% and cash: 4.5% of total assets), and 27.6% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 10 more points roughly halve it:

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%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 94, micro): better than 55% on solvency, 23% on liquidity, 24% on profitability and 29% on growth.

The bankruptcy probability was computed on 25-10-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises riskneutral

Legal form: non-profit association

KBO

Sector: Activities of membership organisations (NACE 94)

KBO

Size: 6.1 FTE, total assets €5.6m

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Loss of €121,568 (financial year 2025)

NBB · annual accounts

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-07-2026, 18 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

18 days early

2024

9 days early

2023

30 days late

2022

38 days late

2021

5 days early

2020

17 days late

2019

46 days late

← 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 14 days after the deadline; the sector median (NACE 94) for financial year 2024 is 29 days before the deadline, and 25% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 July (4 of the last 5 filed years within 36 days of that day).

Companies Code · seven months

Where today falls in the filing period

26-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

13-07-2026 Annual accounts filedfinancial year 2025 · full…
26-05-2026 Appointment: Liesbeth Nowé (day-to-day manager)Resignation: Eric Magnus (day-to-day manager)…
09-10-2025 Resignations: VAN DE VELDE Herman, VAN…Gazette deed

Key points

Caution: From profit to loss in 2025after €48,135 in 2024 -€121,568 View
Positive: Oldest company in Asse, Other services sectorin the Checked rankings No. 1 View
Active since 1941founded 15-01-1941 85 years View
Board changedlatest change 26-05-2026 · 0 in office 1 joined · 1 left View

By topic

Financials

Financial year: 2025
Total assets: €5.6m
Loss: -€121,568
Solvency: 72.4%

Total assets▼ 3.2%

Net result

20182025

Go to Financials

Timeline

Events: 26
Since: 2007
Next accounts: by 31-07-2027

22-07-2025Annual accounts filed
30-08-2024Annual accounts filed
07-05-2024Resignation: Bart VERVAECKE (director)

Go to Timeline

Company details

Sites: 1

Legal form: Non-profit association
Activity: Activities of business and employers' organisationsNACE 94110
Founded: 15-01-1941
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Articles of association

Provisions read: 2

See the provisions in the deeds

Go to Articles of association

Key facts about creamoda

What is the company number of creamoda?: 0407.694.265. In Belgium the VAT number is the company number with BE in front: BE 0407.694.265.
Where is creamoda based?: The registered office is at Leliegaarde 22, 1731 Asse.Company details
What does creamoda do?: According to the KBO register, the main activity is activities of business and employers' organisations (NACE 94110).
What is the legal form of creamoda?: Non-profit association (VZW).
When was creamoda founded?: On 15-01-1941.
Is creamoda still active?: Yes, creamoda is an active enterprise in the KBO register.
How many employees does creamoda have?: On average 6.1 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of creamoda?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.
Is creamoda profitable?: In financial year 2025, creamoda made a loss of €121,568.
Where can I find the annual accounts of creamoda?: creamoda filed 19 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of creamoda due?: By 31-07-2027, for financial year 2026.Timeline