Create Stores
ActiveSummary
Create Stores has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €627k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 73% of 203 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability50▲+2
Solvency91▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.95 in 2024; short-term debt: 22.3% and cash: 1.1% of total assets), and 34.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 13
Relative position
BE, all sectors
reference
Manufacture of textiles (NACE 13)
about 62% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
65.5%
Return on assets
0.8%
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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
14 d early
2023
14 d early
2022
10 d late
2021
24 d early
2020
33 d early
2019
11 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
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€8k▼ 48.1%
2024 · €16k
2018: €5k
2019: €6k▲ +20.2% vs 2018
2020: €7k▲ +19.3% vs 2019
2021: €-17k▼ -339% vs 2020lowest in 8 years
2022: €15k▲ +191% vs 2021
2023: €9k▼ -38.4% vs 2022
2024: €16k▲ +68.1% vs 2023highest in 8 years
2025: €8k▼ -48.1% vs 2024
2018 → 2025
Working capital
€-7k▲ 35.2%
2024 · €-10k
2018: €17k
2019: €21k▲ +26.7% vs 2018
2020: €32k▲ +51.9% vs 2019highest in 8 years
2021: €20k▼ -39.1% vs 2020
2022: €11k▼ -45.5% vs 2021
2023: €-8k▼ -173% vs 2022
2024: €-10k▼ -33.9% vs 2023lowest in 8 years
2025: €-7k▲ +35.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€57k▲ 35.8%€603k▲ 957%€619k▲ 2.6%€627k▲ 1.3%
2021: €42klowest in 5 years
2022: €57k▲ +35.8% vs 2021
2023: €603k▲ +957% vs 2022
2024: €619k▲ +2.6% vs 2023
2025: €627k▲ +1.3% vs 2024highest in 5 years
Operating result€-10k-€30k€25k▼ 14.5%€34k▲ 35.5%€24k▼ 30.8%
2021: €-10klowest in 5 years
2022: €30k▲ +397% vs 2021
2023: €25k▼ -14.5% vs 2022
2024: €34k▲ +35.5% vs 2023highest in 5 years
2025: €24k▼ -30.8% vs 2024
Net result€-17k-€15k€9k▼ 38.4%€16k▲ 68.1%€8k▼ 48.1%
2021: €-17klowest in 5 years
2022: €15k▲ +191% vs 2021
2023: €9k▼ -38.4% vs 2022
2024: €16k▲ +68.1% vs 2023highest in 5 years
2025: €8k▼ -48.1% vs 2024
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €957k
Fixed assets
€750k ▼ 3.0%
Current assets
€207k ▲ 8.4%
Equity and liabilities €957k
Equity
€627k ▲ 1.3%
Debt
€330k ▼ 4.3%
Debt's share of the balance-sheet total falls from 35.8% to 34.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€47k▲
2024 · €43k
Cash flow
€31k▲
2024 · €24k
Current ratio
0.97▲
2024 · 0.95
Debt to equity
0.53▼
2024 · 0.56
ROE
1.3%▼
2024 · 2.5%
ROA
0.8%▼
2024 · 1.6%
Interest coverage
3.67▲
2024 · 3.31
Debt ≤ 1 year
€214k▲
2024 · €201k
Debt > 1 year
€116k▼
2024 · €142k
Income taxes
€3k▼
2024 · €6k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€964k€957k▼
Fixed assets21/28€773k€750k▼
Tangible fixed assets22/27€773k€750k▼
Land and buildings22€236k€213k▼
Other tangible fixed assets26€537k€537k=
Current assets29/58€191k€207k▲
Amounts receivable within one year40/41€186k€196k▲
Other amounts receivable41€186k€196k▲
Cash at bank and in hand54/58€5k€10k▲
Deferred charges and accrued income490/1€576€432▼
Equity and liabilities
Total equity and liabilities10/49€964k€957k▼
Equity10/15€619k€627k▲
Contributions10/11€549k€549k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€68k€76k▲
Amounts payable17/49€345k€330k▼
Amounts payable after more than one year17€142k€116k▼
Financial debts170/4€142k€116k▼
Amounts payable within one year42/48€201k€214k▲
Current portion of amounts payable after more than one year42€27k€26k▼
Trade debts44€149€2k▲
Suppliers440/4€149€2k▲
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Other amounts payable47/48€162k€174k▲
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€23k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€46k€50k▲
Operating profit (loss)9901€34k€24k▼
Financial charges65/66B€13k€13k▼
Recurring financial charges65€13k€13k▼
Profit (loss) for the period before taxes9903€21k€11k▼
Income taxes67/77€6k€3k▼
Profit (loss) for the period9904€16k€8k▼
Profit (loss) for the period to be appropriated9905€16k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€76k▲
Profit (loss) brought forward from the previous period14P€52k€68k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €48k | €12k | €11k | €8k | €23k | ▲ 175% |
| Other operating charges640/8 | €3k | €3k | €4k | €3k | €3k | ▲ 5.3% |
| Gross operating margin9900 | €41k | €44k | €40k | €46k | €50k | ▲ 9.0% |
| Operating profit (loss)9901 | €-10k | €30k | €25k | €34k | €24k | ▼ 30.8% |
| Financial charges65/66B | €7k | €15k | €13k | €13k | €13k | ▼ 1.3% |
| Recurring financial charges65 | €7k | €15k | €13k | €13k | €13k | ▼ 1.3% |
| Profit (loss) for the period before taxes9903 | €-17k | €15k | €12k | €21k | €11k | ▼ 48.6% |
| Income taxes67/77 | €0 | - | €3k | €6k | €3k | ▼ 49.7% |
| Profit (loss) for the period9904 | €-17k | €15k | €9k | €16k | €8k | ▼ 48.1% |
| Profit (loss) for the period to be appropriated9905 | €-17k | €15k | €9k | €16k | €8k | ▼ 48.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €414k | €413k | €958k | €964k | €957k | ▼ 0.7% |
| Fixed assets21/28 | €260k | €248k | €781k | €773k | €750k | ▼ 3.0% |
| Tangible fixed assets22/27 | €260k | €248k | €781k | €773k | €750k | ▼ 3.0% |
| Land and buildings22 | €258k | €248k | €244k | €236k | €213k | ▼ 9.7% |
| Plant, machinery and equipment23 | €1k | €0 | - | - | - | - |
| Other tangible fixed assets26 | - | - | €537k | €537k | €537k | = |
| Current assets29/58 | €154k | €165k | €177k | €191k | €207k | ▲ 8.4% |
| Amounts receivable within one year40/41 | €150k | €162k | €174k | €186k | €196k | ▲ 5.6% |
| Other amounts receivable41 | €150k | €162k | €174k | €186k | €196k | ▲ 5.6% |
| Cash at bank and in hand54/58 | €2k | €3k | €3k | €5k | €10k | ▲ 126% |
| Deferred charges and accrued income490/1 | €2k | €306 | €558 | €576 | €432 | ▼ 25.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €414k | €413k | €958k | €964k | €957k | ▼ 0.7% |
| Equity10/15 | €42k | €57k | €603k | €619k | €627k | ▲ 1.3% |
| Contributions10/11 | €12k | €12k | €551k | €549k | €549k | = |
| Reserves13 | €2k | €2k | €0 | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €0 | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €0 | €2k | €2k | = |
| Profit (loss) carried forward14 | €28k | €43k | €52k | €68k | €76k | ▲ 11.9% |
| Amounts payable17/49 | €372k | €356k | €355k | €345k | €330k | ▼ 4.3% |
| Amounts payable after more than one year17 | €235k | €200k | €169k | €142k | €116k | ▼ 18.2% |
| Financial debts170/4 | €235k | €200k | €169k | €142k | €116k | ▼ 18.2% |
| Amounts payable within one year42/48 | €135k | €154k | €185k | €201k | €214k | ▲ 6.2% |
| Current portion of amounts payable after more than one year42 | €36k | €34k | €31k | €27k | €26k | ▼ 4.8% |
| Trade debts44 | €120 | €629 | €144 | €149 | €2k | ▲ 1,157% |
| Suppliers440/4 | €120 | €629 | €144 | €149 | €2k | ▲ 1,157% |
| Taxes, remuneration and social security45 | €3k | €4k | €7k | €12k | €13k | ▲ 0.8% |
| Taxes450/3 | €3k | €4k | €7k | €12k | €13k | ▲ 0.8% |
| Other amounts payable47/48 | €96k | €116k | €147k | €162k | €174k | ▲ 7.4% |
| Accrued charges and deferred income492/3 | €3k | €1k | €797 | €1k | €0 | ▼ 100% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-17k | €15k | €9k | €16k | €8k | ▼ 48.1% |
| + Depreciation and write-downs630 | €48k | €12k | €11k | €8k | €23k | ▲ 175% |
| Operating cash flow (approximation) | €32k | €27k | €20k | €24k | €31k | ▲ 29.3% |
| Investment in fixed assets (approximation) | - | €0 | €-544k | €0 | €0 | - |
| Change in cash | - | €489 | €-305 | €2k | €6k | ▲ 191% |
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €16k ▲68.1%
Operating result €34k, net result €16k, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €603k ▲957%
2 profitable years in a row build equity to €603k.
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 10 days late
2022
31-12
Financial
Back to profitnet €15k
Net result €15k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 acts for this company are 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, Ham-sur-Heure-Nalinnes · 1 establishment unit since 1999
Ground area
2,094 m²
Building footprint
505 m²
Volume, LiDAR
2,134 m³
Parcel 56058B1015/00C000, Wallonia · tallest building 6.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rue de Philippeville(NAL) 87, 6120 Ham-sur-Heure-Nalinnes
since 19992.092.410.061
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56058B1015/00C000 | Wallonia | 2,094 m² | 1 · 505 m² | 6.0 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 597 companies in sector 13929 we hold annual accounts for 236. 172 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
Founded08-07-1999
Fiscal year end31-12
Activities, NACEBEL 2025
13929Manufacture of textiles
43240Other construction installation
68201Renting and operating of own or leased residential real estate, excluding social housing
Scores and ratios are computed by Checked and are not a credit decision.