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Crearte

Active
Private limited companyfounded 1991active for 35 yearsStationstraat 3, 1040 Etterbeek, BelgiumKBO/BCE: BE 0442.635.150
Summary

Crearte has been active since 1991 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€156,055) and a net result of €14,330. Equity remains stable across the filed financial years (±2.2% per year). Its solvency ranks better than 5% of 11,666 sector peers (NACE 71, financial year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).

Overview

Activity
Activities of interior architects
NACE 71112
1 site
Size
€70,834total assets 2025
Staff
0.9 FTE
Equity
-€156,055
Profit
€14,330
Financial health
54 Fair Checked score 2025
Bankruptcy probabilitywithin 12 months
0.4%
Structure
Accounts 1 day early0 of 2 deeds read
Why 54raises riskCapped at 59: negative equityNegative equity -€156,055Figures for financial year 2025 (filed 05-11-2025)lowers riskSize: total assets €70,834Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)Show the evidence

Checked score

Score 2025
54 / 100
Fair
Probability in this band: 1.5% to 4.2%
Financially better than 33% of its sector peers (NACE 71, micro)
Negative equity caps the score at 59. Every signal that counts is listed under Signals.
Financial strength · tick = 2024
Weak
Solvency 0=
equity -220.3% of total assets
Liquidity 15+8
short-term debt 320.3% · cash 12.1%
Profitability 94+94
return on assets 20.2%
Bankruptcy probability, 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%

About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (14,791 companies, NACE 71, micro)
Last 24 months 11-2024: 0.5% 12-2024: 0.6%▲ +0.1 percentage points vs 11-2024 01-2025: 0.6%● unchanged vs 12-2024 02-2025: 0.6%● unchanged vs 01-2025 03-2025: 0.6%● unchanged vs 02-2025 04-2025: 0.6%● unchanged vs 03-2025 05-2025: 0.5%▼ -0.1 percentage points vs 04-2025 06-2025: 0.5%● unchanged vs 05-2025 07-2025: 0.5%● unchanged vs 06-2025 08-2025: 0.5%● unchanged vs 07-2025 09-2025: 0.6%▲ +0.1 percentage points vs 08-2025 10-2025: 0.7%▲ +0.1 percentage points vs 09-2025 11-2025: 0.9%▲ +0.2 percentage points vs 10-2025highest value 12-2025: 0.2%▼ -0.7 percentage points vs 11-2025lowest value 01-2026: 0.2%● unchanged vs 12-2025lowest value 02-2026: 0.2%● unchanged vs 01-2026lowest value 03-2026: 0.2%● unchanged vs 02-2026lowest value 04-2026: 0.2%● unchanged vs 03-2026lowest value 05-2026: 0.2%● unchanged vs 04-2026lowest value 06-2026: 0.2%● unchanged vs 05-2026lowest value 07-2026: 0.2%● unchanged vs 06-2026 08-2026: 0.2%● unchanged vs 07-2026 09-2026: 0.2%● unchanged vs 08-2026 10-2026: 0.4%▲ +0.2 percentage points vs 09-2026
No credit on open account
Liquidity insufficient (current ratio 0.27, compared with 0.29 in 2024; short-term debt: 320.3% and cash: 12.1% of total assets), and equity is negative.
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 71, micro): better than 3% on solvency, 6% on liquidity, 70% on profitability and 54% on growth.

The bankruptcy probability was computed on 09-10-2026 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

Six signals.
lowers riskraises riskneutral
raises risk · Negative equity -€156,055
NBB · annual accounts
lowers risk · Size: total assets €70,834
The company's size counts in the probability; how much depends on the rest of its profile.
NBB · annual accounts
lowers risk · Sector: Architectural and engineering activities; technical testing and analysis (NACE 71)
KBO
raises risk · Figures for financial year 2025 (filed 05-11-2025)
NBB · annual accounts
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 11666 sector peers (2025).
NBB · sector comparison
Position among 11666 sector peers
Solvency
better than 5%
← weakest strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
1 day early
2024
1 day early
2023
on the day
2022
28 days late
2021
12 days late
2020
44 days late
2019
20 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 15 days after the deadline; the sector median (NACE 71) for financial year 2024 is 8 days before the deadline, and 34% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-03-2026 is due by 31-10-2026. Nothing is late today. The company usually files around 31 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Where today falls in the filing period
31-03-2026 year end10-10-2026 today31-10-2026 deadline
neutral · No strike-offs in the KBO publications
Searched since 2021.
KBO publications · our coverage
  1. Annual accounts filedfinancial year 2025 · micro…
  2. Back to profitnet €14,330
  3. Annual accounts filedfinancial year 2024 · micro…

Key points

  • Risk: Negative equityfinancial year 2025: debts exceed assets -€156,055 View
  • Caution: Among the weakest 5% on solvencysector median 54.1% · 11,666 companies -220.3% View
  • Active since 1991founded 30-01-1991 35 years View

By topic

Financials

Financial year
2025
Total assets
€70,834
Profit
€14,330
Solvency
-220.3%
Total assets▼ 24.4%
Net result
20192025
Go to Financials

Timeline

Events
37
Since
1993
Next accounts
by 31-10-2026
  1. 31-03-2024Weakest financial year
  2. 31-10-2023Annual accounts filed
  3. 28-11-2022Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Activities of interior architectsNACE 71112
Founded
30-01-1991
Year ends
31-03
Peppol
Reachable for e-invoices
Go to Company details

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