CREASED
ActiveCREASED has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €60k. Its solvency ranks better than 86% of 9389 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 5.78 against 3.62 in 2024; short-term debt: 13.3% and cash: 13.6% of total assets), and 13.3% 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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← 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
86.7%
Return on assets
36.9%
Age of the figures
9 mo
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 27-07-2026, 4 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€140k▲ 74.0%
2024 · €81k
2024: €81k
2024 → 2025
Total assets
€162k▲ 65.9%
2024 · €97k
2024: €97k
2024 → 2025
Net result
€60k▼ 23.7%
2024 · €78k
2024: €78k
2024 → 2025
Working capital
€103k▲ 133%
2024 · €44k
2024: €44k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€81k-€140k▲ 74.0%
Operating result€97k-€73k▼ 24.2%
Net result€78k-€60k▼ 23.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €162k
Fixed assets
€37k▲ 2.8%
Current assets
€124k▲ 104%
Equity and liabilities €162k
Equity
€140k▲ 74.0%
Debt
€21k▲ 27.6%
The debt ratio falls from 17.3% to 13.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€73k▼
2024 · €97k
Cash flow
€60k▼
2024 · €78k
Solvency
86.7%▲
2024 · 82.7%
Current ratio
5.78▲
2024 · 3.62
Quick ratio
5.78▲
2024 · 3.62
Debt / equity
0.15▼
2024 · 0.21
ROE
42.5%▼
2024 · 96.9%
ROA
36.9%▼
2024 · 80.1%
Interest coverage
6529.37▲
2024 · 435.59
Debt
€21k▲
2024 · €17k
Debt ≤ 1 year
€21k▲
2024 · €17k
Income taxes
€15k▼
2024 · €20k
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€97k€162k▲
Fixed assets21/28€36k€37k▲
Intangible fixed assets21€2k€1k▼
Financial fixed assets28€35k€36k▲
Current assets29/58€61k€124k▲
Amounts receivable within one year40/41€5k€7k▲
Trade receivables40€4k€6k▲
Other amounts receivable41€352€912▲
Current investments50/53-€95k
Cash at bank and in hand54/58€55k€22k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€97k€162k▲
Equity10/15€81k€140k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€78k€138k▲
Amounts payable17/49€17k€21k▲
Amounts payable within one year42/48€17k€21k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€9k€10k▲
Other amounts payable47/48€3k€5k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€346€195▼
Other operating charges640/8€768€2k▲
Gross operating margin9900€98k€75k▼
Operating profit (loss)9901€97k€73k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€223€11▼
Recurring financial charges65€223€11▼
Profit (loss) for the period before taxes9903€98k€75k▼
Income taxes67/77€20k€15k▼
Profit (loss) for the period9904€78k€60k▼
Profit (loss) for the period to be appropriated9905€78k€60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€138k▲
Profit (loss) brought forward from the previous period14P-€78k
The notes to these accounts (9 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €140k ▲74%
2 profitable years in a row build equity to €140k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Aartselaar · 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.
James Ensorlaan 272630 AartselaarGround area
187 m²
Building footprint
78 m²
Volume, LiDAR
499 m³
Parcel 11001B0129/00D006, Flanders · tallest building 10.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREASED
since 20232.341.835.069
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0129/00D006 | Flanders | 187 m² | 1 · 78 m² | 10.1 m · 3 fl. |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 1,208 EUR awarded · 1,208 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 195 EUR | 195 EUR |
| 2024 | 1 | 195 EUR | 195 EUR |
| 2023 | 1 | 818 EUR | 818 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,144 companies in sector 71209 we hold annual accounts for 1,085. 820 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2023
Fiscal year end31-12
Activities, NACEBEL
71209Other technical testing and analysis
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.