Créasphère
ActiveSummary
The computed 12-month bankruptcy probability of Créasphère is 2.6% (moderate). The 2025 annual accounts show equity of €27k and a net result of €-5k. Equity is growing by ~33.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 7500 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-67
Solvency69▲+3
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days only on tighter terms
Liquidity ample (current ratio 1.81 against 1.66 in 2024; short-term debt: 55% and cash: 21.2% of total assets), but 55.6% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.4%
Return on assets
-8.1%
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 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
60 d late
2023
79 d late
2022
70 d late
2021
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▼ 15.3%
2024 · €32k
Total assets
€61k▼ 22.5%
2024 · €79k
Net result
€-5k
2024 · €4k
Working capital
€27k▼ 11.6%
2024 · €31k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-6k-€21k€21k▲ 0.7%€6k▼ 72.0%€-5k
Net result€-7k-€17k€16k▼ 9.6%€4k▼ 71.8%€-5k
Equity€-6k-€12k€28k▲ 134%€32k▲ 16.1%€27k▼ 15.3%
Total assets€26k-€37k▲ 41.6%€65k▲ 74.9%€79k▲ 21.9%€61k▼ 22.5%
Debt€32k-€25k▼ 20.9%€37k▲ 47.1%€47k▲ 26.3%€34k▼ 27.4%
Working capital€-6k-€11k€25k▲ 120%€31k▲ 24.3%€27k▼ 11.6%
Staff (FTE)0.51▲ 100%0.6▼ 40.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €6k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €61k
Fixed assets
€188 ▼ 84.4%
Current assets
€61k ▼ 21.5%
Equity and liabilities €61k
Equity
€27k ▼ 15.3%
Debt
€34k ▼ 27.4%
Debt's share of the balance-sheet total falls from 59.3% to 55.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-4k▼
2024 · €7k
Cash flow
€-4k▼
2024 · €6k
Current ratio
1.81▲
2024 · 1.66
Debt to equity
1.25▼
2024 · 1.46
ROE
-18.1%▼
2024 · 13.9%
ROA
-8.1%▼
2024 · 5.7%
Interest coverage
-4.36▼
2024 · 8.31
Debt ≤ 1 year
€34k▼
2024 · €47k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | €14k | €31k | €17k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €171 | €251 | €1k | €1k | €1k | ▼ 7.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €1k | - | - | - |
| Other operating charges640/8 | €589 | €681 | €1k | €561 | €784 | ▲ 39.8% |
| Non-recurring operating charges66A | - | - | - | €11k | - | - |
| Gross operating margin9900 | €-5k | €37k | €56k | €35k | €-3k | ▼ 109% |
| Operating profit (loss)9901 | €-6k | €21k | €21k | €6k | €-5k | ▼ 180% |
| Financial income75/76B | €11 | €0 | €228 | €610 | €728 | ▲ 19.4% |
| Recurring financial income75 | €11 | €0 | €228 | €610 | €728 | ▲ 19.4% |
| Financial charges65/66B | €510 | €915 | €1k | €852 | €865 | ▲ 1.5% |
| Recurring financial charges65 | €510 | €915 | €1k | €852 | €865 | ▲ 1.5% |
| Profit (loss) for the period before taxes9903 | €-7k | €20k | €20k | €6k | €-5k | ▼ 186% |
| Income taxes67/77 | - | €3k | €4k | €1k | - | - |
| Profit (loss) for the period9904 | €-7k | €17k | €16k | €4k | €-5k | ▼ 210% |
| Profit (loss) for the period to be appropriated9905 | €-7k | €17k | €16k | €4k | €-5k | ▼ 210% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €26k | €37k | €65k | €79k | €61k | ▼ 22.5% |
| Fixed assets21/28 | €741 | €490 | €3k | €1k | €188 | ▼ 84.4% |
| Tangible fixed assets22/27 | €581 | €331 | €2k | €1k | €28 | ▼ 97.3% |
| Furniture and vehicles24 | €581 | €331 | €2k | €1k | €28 | ▼ 97.3% |
| Financial fixed assets28 | €160 | €160 | €645 | €160 | €160 | = |
| Current assets29/58 | €25k | €36k | €62k | €78k | €61k | ▼ 21.5% |
| Amounts receivable within one year40/41 | €21k | €33k | €39k | €59k | €48k | ▼ 19.8% |
| Trade receivables40 | €20k | €31k | €31k | €46k | €33k | ▼ 28.6% |
| Other amounts receivable41 | €1k | €1k | €7k | €13k | €14k | ▲ 11.9% |
| Cash at bank and in hand54/58 | €4k | €4k | €23k | €18k | €13k | ▼ 28.0% |
| Deferred charges and accrued income490/1 | €522 | - | €293 | €221 | €314 | ▲ 42.4% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €26k | €37k | €65k | €79k | €61k | ▼ 22.5% |
| Equity10/15 | €-6k | €12k | €28k | €32k | €27k | ▼ 15.3% |
| Contributions10/11 | €1k | €1k | €1k | €1k | €1k | = |
| Profit (loss) carried forward14 | €-7k | €11k | €27k | €31k | €26k | ▼ 15.8% |
| Amounts payable17/49 | €32k | €25k | €37k | €47k | €34k | ▼ 27.4% |
| Amounts payable within one year42/48 | €32k | €25k | €37k | €47k | €34k | ▼ 28.1% |
| Trade debts44 | €14k | €19k | €26k | €41k | €31k | ▼ 25.0% |
| Suppliers440/4 | €14k | €19k | €26k | €41k | €31k | ▼ 25.0% |
| Taxes, remuneration and social security45 | - | €6k | €11k | €6k | €3k | ▼ 51.1% |
| Taxes450/3 | - | €5k | €9k | €6k | €1k | ▼ 76.5% |
| Remuneration and social security454/9 | - | €1k | €2k | - | €1k | - |
| Other amounts payable47/48 | €17k | - | - | - | - | - |
| Accrued charges and deferred income492/3 | - | - | - | - | €324 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-7k | €17k | €16k | €4k | €-5k | ▼ 210% |
| + Depreciation and write-downs630 | €171 | €251 | €1k | €1k | €1k | ▼ 7.3% |
| Operating cash flow (approximation) | €-7k | €18k | €17k | €6k | €-4k | ▼ 170% |
| Investment in fixed assets (approximation) | - | €0 | €-4k | €485 | €0 | ▼ 100% |
| Change in cash | - | €101 | €19k | €-5k | €-5k | ▼ 0.9% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Braine-l'Alleud · 1 establishment unit since 2021
Ground area
1,009 m²
Building footprint
96 m²
Volume, LiDAR
391 m³
Parcel 25742H0600/00F000, Wallonia · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Créasphère
since 20212.316.627.541
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25742H0600/00F000 | Wallonia | 1,008 m² | 1 · 96 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 29,787 companies in sector 41001 we hold annual accounts for 16,036. 12,241 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded15-02-2021
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
43350Other building finishing work
43990Other specialised construction activities
71112Activities of interior architects
Contact
E-mail
jd.archi.design@gmail.com
Scores and ratios are computed by Checked and are not a credit decision.