CREASEAL
ActiveThe computed 12-month bankruptcy probability of CREASEAL is 2.3% (moderate). The 2025 annual accounts show equity of €20k and a net result of €19k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 38% of 27446 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
94
/ 100
Excellent▲ +49 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency70▲+3
Growth78▲+46
Stability82
Bankruptcy probability, 12 months
2.3%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.58 against 1.5 in 2024), but 63.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36.6%
Return on assets
33.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
27 d early
2023
27 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▲ 22.2%
2024 · €17k
2023: €20k
2024: €17k
2023 → 2025
Total assets
€56k▲ 18.1%
2024 · €47k
2023: €25k
2024: €47k
2023 → 2025
Net result
€19k
2024 · €-3k
2023: €19k
2024: €-3k
2023 → 2025
Working capital
€20k▲ 33.5%
2024 · €15k
2023: €20k
2024: €15k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€20k-€17k▼ 16.7%€20k▲ 22.2%
Operating result€24k-€-2k€23k
Net result€19k-€-3k€19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €23k after a loss of €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €56k
Equity
€20k▲ 22.2%
Debt
€35k▲ 15.8%
The debt ratio falls from 64.6% to 63.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€23k▲
2024 · €-284
Cash flow
€19k▲
2024 · €-2k
Solvency
36.6%▲
2024 · 35.4%
Current ratio
1.58▲
2024 · 1.50
Quick ratio
1.47▲
2024 · 1.04
Debt / equity
1.73▼
2024 · 1.83
ROE
91.8%▲
2024 · -20.1%
ROA
33.6%▲
2024 · -7.1%
Interest coverage
52.32▲
2024 · -0.36
Debt
€35k▲
2024 · €30k
Debt ≤ 1 year
€35k▲
2024 · €30k
Income taxes
€4k▲
2024 · €873
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€47k€56k▲
Fixed assets21/28€1k€0▼
Tangible fixed assets22/27€1k€0▼
Plant, machinery and equipment23€1k€0▼
Current assets29/58€46k€56k▲
Stocks and contracts in progress3€14k€4k▼
Stocks30/36€4k€4k=
Contracts in progress37€10k€0▼
Amounts receivable within one year40/41€31k€52k▲
Trade receivables40€3k€15k▲
Other amounts receivable41€28k€37k▲
Cash at bank and in hand54/58€438€172▼
Equity and liabilities
Total equity and liabilities10/49€47k€56k▲
Equity10/15€17k€20k▲
Contributions10/11€2k€2k=
Reserves13€15k€19k▲
Distributable reserves133€15k€19k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€30k€35k▲
Amounts payable within one year42/48€30k€35k▲
Trade debts44€21k€10k▼
Suppliers440/4€21k€10k▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€8k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48-€15k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€453▼
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€225
Gross operating margin9900€2k€25k▲
Operating profit (loss)9901€-2k€23k▲
Financial income75/76B€4€21▲
Recurring financial income75€4€21▲
Financial charges65/66B€792€446▼
Recurring financial charges65€792€446▼
Profit (loss) for the period before taxes9903€-2k€22k▲
Income taxes67/77€873€4k▲
Profit (loss) for the period9904€-3k€19k▲
Profit (loss) for the period to be appropriated9905€-3k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€19k▲
Transfer from equity791/2€3k€0▼
Transfer to equity691/2€0€4k▲
To other reserves6921€0€4k▲
Profit to be distributed694/7-€15k
Directors or managers695-€15k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Back to profitnet €19k
Net result €19k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-3k ▼118%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Balen · 1 establishment unit since 2023
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Steegstraat 632490 BalenGround area
1,116 m²
Building footprint
347 m²
Volume, LiDAR
16 m³
Parcel 13003A0804/00V003, Flanders · tallest building 1.5 m. Linked by address, not a title deed.
1 establishment unit
CREASEAL
since 20232.354.311.051
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003A0804/00V003 | Flanders | 1,116 m² | 1 · 347 m² | 1.5 m |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0822.107.068
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JB Toiture
BE 0789.371.548
Liège · Eq €20k
Daklift
BE 0665.923.311
As · Eq €20k
Canex Company
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Of 8,481 companies in sector 43410 we hold annual accounts for 4,307. 2,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-12-2023
Fiscal year end31-12
Activities, NACEBEL
43410Roofing work
42990Civil engineering
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.creaseal.be
E-mail:info@creaseal.be