Creat My Concept
The computed 12-month bankruptcy probability of Creat My Concept is 0.2% (very low). The 2023 annual accounts show equity of €20k and a net result of €36k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 11% of 3977 sector peers (fiscal year 2023). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
| Equity | €20k |
| Net result | €36k |
| Better than sector | 11% |
| Active | 9 yrs |
Strong profile, led by profitability.
All 5 axes are computed from data Checked has read.
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Unlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 13.3% | 58.3% | |
| Net result | €36k | €29k | |
| Equity | €20k | €50k | |
| Gross operating margin | €200k | €49k | |
| Staff costs | €108k | €31k |
| Fiscal year | 2023 |
|---|---|
| Deposit | micro |
| Revenue | - |
| EBITDA | €54k |
| Net profit | €36k |
| Cash flow | €36k |
| Staff costs | €108k |
| Income taxes | €16k |
| Dividends | €34k |
| Total assets | €154k |
| Equity | €20k |
| Debt | €133k |
| of which ≤ 1y | €132k |
| of which > 1y | - |
| Working capital | €14k |
| Employees (FTE) | - |
| 2023 | |
|---|---|
| Current ratio | 1.11 |
| Quick ratio | 1.11 |
| Working capital ratio | 9.3% |
| Solvency | 13.3% |
| Debt / equity | 6.52 |
| Long-term debt ratio | - |
| Interest coverage | 39.14 |
| Gross margin | - |
| Net margin | - |
| ROA | 23.2% |
| ROE | 174.5% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €154k |
| Fixed assets | 21/28 | €8k |
| Tangible fixed assets | 22/27 | €588 |
| Financial fixed assets | 28 | €7k |
| Current assets | 29/58 | €146k |
| Amounts receivable within one year | 40/41 | €109k |
| Investments | 50/53 | €33k |
| Cash & bank | 54/58 | €4k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €154k |
| Equity | 10/15 | €20k |
| Contributions / capital | 10/11 | €20k |
| Amounts payable | 17/49 | €133k |
| Amounts payable within one year | 42/48 | €132k |
| Income statement | ||
| Gross operating margin | 9900 | €200k |
| Operating result | 9901 | €53k |
| Financial income | 75 | €145 |
| Financial charges | 65 | €1k |
| Result before taxes | 9903 | €52k |
| Income taxes | 67/77 | €16k |
| Net result for the period | 9904 | €36k |
| Result to be appropriated | 9905 | €36k |
-
HPM HoldingLegal entityDirector· perm. rep.: Lionel MaccariniState Gazette act 25028868 (28-02-2025)Current01-12-2024 → present
-
Jonas-Mikael HUMBLETDirectorState Gazette act 24423908 (26-08-2024)Current26-08-2024 → present
Former directors (5)
-
Jonas HumbletDirectorState Gazette act 25028868 (28-02-2025)Former- → 01-12-2024
-
Lionel MACCARINIDirectorState Gazette act 24423908 (26-08-2024)Former26-08-2024 → 01-12-2024
2 events
- 01-12-2024 Resigned· Director
- 26-08-2024 Appointed· Director
-
Emeric HUMBLETDirectorState Gazette act 24423908 (26-08-2024)Former26-08-2024 → 30-11-2024
2 events
- 30-11-2024 Resigned· Director
- 26-08-2024 Appointed· Director
-
Nicolas PARMENTIERDirectorState Gazette act 24423908 (26-08-2024)Former26-08-2024 → 30-11-2024
2 events
- 30-11-2024 Resigned· Director
- 26-08-2024 Appointed· Director
-
Thomas RenetteDirectorState Gazette act 23005435 (10-01-2023)Former- → 31-12-2022
| NACE primary | Overige fiscale dienstverlening(69209) |
| Legal form | Private limited company(610) |
| Incorporation | 19-12-2016 |
| Status | Active |
| Postal code | 4340 |
Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62006B0520/00G002 | Wallonia | 6.6 ha | - | - |
A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.
28-02-2025 1 director appointed, 4 resigning
- Lionel Maccarini, Bestuurder
- Nicolas Parmentier, Bestuurder
- Emeric Humblet, Bestuurder
- Lionel Maccarini, Bestuurder
- Jonas Humblet, Bestuurder
Technical details
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}26-08-2024 4 directors appointed
- Lionel MACCARINI, Bestuurder
- Jonas-Mikael HUMBLET, Bestuurder
- Emeric HUMBLET, Bestuurder
- Nicolas PARMENTIER, Bestuurder
Technical details
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}29-11-2023 Registered office moved from Liège to Awans
- Clos Chanmurly 13, 4000 Liège → 4340 Awans, rue de Bruxelles 174H
Technical details
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}10-01-2023 Thomas Renette resigns as director
- Thomas Renette, Bestuurder
Technical details
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}16-11-2022 Registered office moved to Liège
- 4000 Liège, Clos Chanmurly, 13
Technical details
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}Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
| Legal nameFR | Creat My Concept |
| AbbreviationFR | CMC |