Equity
€370,863 ▼ 11.9%
CREAPATCHING paid out €144,396 in dividends. That is 153% of the 2025 profit.
CREAPATCHING
Lifetime
11 annual accounts with figures on one time axispeak €172,363 (2023)
€130,971▲ 92.2%
peak €104,379 (2023)
€94,396▲ 140%
peak €420,863 (2024)
€370,863▼ 11.9%
€147,265▲ 13×
Board1 name since 2021
1 directorDESMET William
Documentsfilings and deeds
27-03-2026126 days before the deadline
2025micro format
Gross margin from €68,142 to €130,971Result from €39,270 to €94,396Dividend €144,396Debts from €11,324 to €147,265
Key points
from the 2025 annual accountsResult
€94,396 ▲ 140%
The result rose in 2025 from €39,270 to €94,396.
Debts
€147,265 ▲ 13×
Debts rose by €135,941 in 2025. A dividend stands under other debts on the balance sheet date until it is paid.
Liquidity
3.33 was 34.25 in 2024
Short-term debts rose from €11,324 to €147,265.
Filings
11 annual accounts since 2015
The last five annual accounts were filed 54 to 132 days before the end of the period.
Position in the sector
€94,396
Higher net result than 95% of companies in retail trade. Sector median €5,052 · 22,900 companies.
Checked score
96
Excellent
Financially stronger than 65% of micro companies in retail trade (NACE 47)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025highest value
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 06-2025
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 01-2026
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
11-2026: 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Sector: Retail trade (NACE 47)
lowers risk
Liquidity: current ratio 3.33, cash €86,825
Equity €370,863 (71.6% of total assets)
Founded in 2014
Calculation
The band follows from the bankruptcy probability. 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 47, micro). It does better than 82% of them on solvency, 66% on liquidity, 86% on profitability and 25% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,811 companies had the same profile as CREAPATCHING has now. Each dot stands for 45 companies, two years later.
96.5%
were still trading
3.2%
stopped another way
0.3%
went bankrupt
That fits the bankruptcy probability of CREAPATCHING itself: 0.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,811 companies, not a prediction for CREAPATCHING. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €35,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 3.33 (34.25 in 2024), above the usual 1.5. Short-term debt is 28.4% and cash 16.8% of total assets. 28.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
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 27-03-2026, 126 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
126 days early
2024
132 days early
2023
54 days early
2022
55 days early
2021
58 days early
2020
57 days early
2019
52 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 76 days before the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · 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 3 June (4 of the last 5 accounts filed within 68 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0550498853
Registered-office move · Resignations & appointments
General meeting of 31-01-2022 · Gazette deed
Change of role: DESMET William, from manager to director
“Overige zakelijke dienstverlening; Sport-en recreatieonderwijs(mogelijk burgerlijke activiteit” (deed in Dutch) · Director discharge: DESMET William · General meeting of 10-12-2020 · Gazette deed
Incorporation
published on 22-04-2014 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CREAPATCHING Huldenberg | €518,128 | €130,971 | 71.6% | - |
| IT -MEDIA Fléron | €523,525 | €139,244 | 27.7% | - |
| PHONEPRICE Ixelles | €544,843 | €126,959 | 14.3% | - |
| NEOVISION Gembloux | €652,135 | €121,719 | 11.8% | - |
| MDB Invest Leuven | €457,795 | €97,720 | -1.4% | - |
| TLS Consulting Tremelo | €557,868 | €116,468 | 84.3% | - |
| EPD MOBILE Diest | €491,495 | €112,428 | 19.9% | - |
These companies have the same main activity as CREAPATCHING: retail sale of information and communication equipment (NACE 47400). They are comparable in size and age: total assets between €458,000 and €652,000, founded between 2011 and 2016.
Official details
Source: KBO- Status
- Active since 09-04-2014Normal situation
- Activity
- Retail sale of information and communication equipmentNACE 47400and 4 others
- Establishment unit
- 2.229.464.6283040 Huldenberg, since 03-04-2014
- Financial year end
- 31 December
- Peppol
- Reachable since 12-12-2024
Annual accounts 2025
- ≈ €780,000estimated
- €518,128▲ 19.9%
- Filing
- Filed on 27-03-2026, 126 days before the end of the filing period
Insights on CREAPATCHING
CREAPATCHING files the micro format. That format states no turnover. The gross margin rose from €28,491 in 2015 to €130,971 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CREAPATCHING
- What is the company number of CREAPATCHING?
- The company number of CREAPATCHING is 0550.498.853. The VAT number is the same number with BE in front: BE 0550.498.853.
- Where is CREAPATCHING based?
- The registered office is at Grote Puystraat 5, 3040 Huldenberg.Company details
- What does CREAPATCHING do?
- According to the KBO register, the main activity is retail sale of information and communication equipment (NACE 47400).
- What is the legal form of CREAPATCHING?
- CREAPATCHING is a private limited company (BV).
- When was CREAPATCHING founded?
- CREAPATCHING was founded on 09-04-2014.
- Is CREAPATCHING still active?
- Yes, CREAPATCHING is an active enterprise in the KBO register.
- What is the turnover of CREAPATCHING?
- The turnover in financial year 2025 is ≈ €780,000. This figure is estimated from the gross margin of €130,971 and 211 comparable companies (NACE 47). It probably lies between €430,000 and €1.3m.Financials
- Is CREAPATCHING profitable?
- In financial year 2025, CREAPATCHING made a profit of €94,396.
- Where can I find the annual accounts of CREAPATCHING?
- CREAPATCHING filed 11 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CREAPATCHING due?
- CREAPATCHING must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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