CREATI
ActiveSummary
CREATI has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €395,936 and a net result of -€46,208. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 9537 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-64
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 26.51 against 11.02 in 2024; short-term debt: 2.7% and cash: 17.3% of total assets), and 2.7% of the assets are financed with debt.
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four 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 71
Relative position
BE, all sectors
reference
Architectural and engineering activities; technical testing and analysis (NACE 71)
about 56% 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
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
6 d early
2023
on the day
2022
3 d late
2021
26 d early
2020
35 d early
2019
34 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 14 days before the deadline; the sector median for financial year 2024 is 8 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close28-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
-€46,208
2024 · €66,845
Working capital
€280,466▼ 13.9%
2024 · €325,734
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€56,837▼ 41.3%€112,004▲ 97.1%€100,707▼ 10.1%€91,889▼ 8.8%-€46,707
Net result€48,266above the sector's middle half▼ 30.6%€80,353above the sector's middle half▲ 66.5%€72,809above the sector's middle half▼ 9.4%€66,845above the sector's middle half▼ 8.2%-€46,208below the sector's middle half
Equity€222,136above the sector's middle half▲ 27.8%€302,490above the sector's middle half▲ 36.2%€375,299above the sector's middle half▲ 24.1%€442,144above the sector's middle half▲ 17.8%€395,936above the sector's middle half▼ 10.5%
Total assets€242,177within the sector's middle half▼ 5.2%€338,619above the sector's middle half▲ 39.8%€414,302above the sector's middle half▲ 22.4%€474,661above the sector's middle half▲ 14.6%€406,932above the sector's middle half▼ 14.3%
Debt€20,041▼ 75.5%€36,129▲ 80.3%€39,003▲ 8.0%€32,517▼ 16.6%€10,996▼ 66.2%
Working capital€106,705▼ 27.8%€187,699▲ 75.9%€257,940▲ 37.4%€325,734▲ 26.3%€280,466▼ 13.9%
Solvency91.7%above the sector's middle half▲ 23.7pp89.3%above the sector's middle half▼ 2.4pp90.6%above the sector's middle half▲ 1.3pp93.1%above the sector's middle half▲ 2.6pp97.3%above the sector's middle half▲ 4.1pp
above
within
below
the middle half (P25 to P75) of NACE 71, Architectural and engineering activities; technical testing and analysis, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €46,707 after €91,889 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €406,932
Fixed assets
€115,470 ▼ 0.8%
Current assets
€291,462 ▼ 18.6%
Equity and liabilities €406,932
Equity
€395,936 ▼ 10.5%
Debt
€10,996 ▼ 66.2%
Debt's share of the balance-sheet total falls from 6.9% to 2.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
-€45,759▼
2024 · €92,837
Cash flow
-€45,260▼
2024 · €67,793
Current ratio
26.51▲
2024 · 11.02
Debt to equity
0.03▼
2024 · 0.07
ROE
-11.7%▼
2024 · 15.1%
ROA
-11.4%▼
2024 · 14.1%
Debt ≤ 1 year
€10,996▼
2024 · €32,509
Income taxes
€102▼
2024 · €25,584
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 4,815 companies that looked in July 2024 the way this one looks now, 1.9% went bankrupt within 24 months and 88% are still going.
- Micro
- 10 to 20 years old
- solvency 30% or more
- a loss of 10% of the balance sheet or more
1.9%
went bankrupt
9.9%
stopped otherwise
88%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 4,815 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Goods, raw materials, services and sundry goods60/61 | - | €82,583 | €106,360 | €99,677 | €94,035 | ▼ 5.7% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €640 | €640 | €1,140 | €948 | €948 | = |
| Other operating charges640/8 | - | €502 | €578 | €561 | €570 | ▲ 1.6% |
| Gross operating margin9900 | €57,976 | €113,146 | €102,425 | €93,398 | -€45,189 | ▼ 148% |
| Operating profit (loss)9901 | €56,837 | €112,004 | €100,707 | €91,889 | -€46,707 | ▼ 151% |
| Financial income75/76B | - | - | - | €540 | €601 | ▲ 11.3% |
| Recurring financial income75 | €9,457 | - | - | €540 | €601 | ▲ 11.3% |
| Non-recurring financial income76B | - | - | - | €540 | €601 | ▲ 11.3% |
| Profit (loss) for the period before taxes9903 | €66,294 | €112,004 | €100,707 | €92,429 | -€46,106 | ▼ 150% |
| Income taxes67/77 | €18,028 | €31,651 | €27,898 | €25,584 | €102 | ▼ 99.6% |
| Profit (loss) for the period9904 | €48,266 | €80,353 | €72,809 | €66,845 | -€46,208 | ▼ 169% |
| Profit (loss) for the period to be appropriated9905 | €48,266 | €80,353 | €72,809 | €66,845 | -€46,208 | ▼ 169% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €242,177 | €338,619 | €414,302 | €474,661 | €406,932 | ▼ 14.3% |
| Fixed assets21/28 | €115,438 | €114,798 | €117,366 | €116,418 | €115,470 | ▼ 0.8% |
| Intangible fixed assets21 | - | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €867 | €227 | €2,795 | €1,847 | €899 | ▼ 51.3% |
| Furniture and vehicles24 | - | €171 | €2,795 | €1,847 | €899 | ▼ 51.3% |
| Other tangible fixed assets26 | - | €56 | €0 | - | - | - |
| Financial fixed assets28 | €114,571 | €114,571 | €114,571 | €114,571 | €114,571 | = |
| Current assets29/58 | €126,739 | €223,821 | €296,936 | €358,243 | €291,462 | ▼ 18.6% |
| Amounts receivable within one year40/41 | €6,822 | €1,385 | €4,116 | €10,255 | €10,211 | ▼ 0.4% |
| Other amounts receivable41 | - | €1,385 | €4,116 | €10,255 | €10,211 | ▼ 0.4% |
| Current investments50/53 | - | €60,000 | €60,000 | €60,000 | €211,000 | ▲ 252% |
| Cash at bank and in hand54/58 | €119,917 | €162,436 | €232,820 | €287,988 | €70,251 | ▼ 75.6% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €242,177 | €338,619 | €414,302 | €474,661 | €406,932 | ▼ 14.3% |
| Equity10/15 | €222,136 | €302,490 | €375,299 | €442,144 | €395,936 | ▼ 10.5% |
| Contributions10/11 | €12,500 | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Capital10 | - | €12,500 | €12,500 | €12,500 | €12,500 | = |
| Issued capital100 | - | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Uncalled capital101 | - | €6,100 | €6,100 | €6,100 | €6,100 | = |
| Reserves13 | €119,636 | €199,990 | €272,799 | €339,644 | €339,644 | = |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Legal reserve130 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | €198,130 | €270,939 | €337,784 | €337,784 | = |
| Profit (loss) carried forward14 | €90,000 | €90,000 | €90,000 | €90,000 | €43,792 | ▼ 51.3% |
| Amounts payable17/49 | €20,041 | €36,129 | €39,003 | €32,517 | €10,996 | ▼ 66.2% |
| Amounts payable within one year42/48 | €20,034 | €36,122 | €38,996 | €32,509 | €10,996 | ▼ 66.2% |
| Trade debts44 | €4,394 | €13,786 | €13,783 | €14,627 | €4,118 | ▼ 71.8% |
| Suppliers440/4 | - | €13,786 | €13,783 | €14,627 | €4,118 | ▼ 71.8% |
| Taxes, remuneration and social security45 | - | €16,647 | €24,609 | €17,882 | €6,878 | ▼ 61.5% |
| Taxes450/3 | - | €9,769 | €10,853 | €4,126 | - | - |
| Remuneration and social security454/9 | - | €6,878 | €13,756 | €13,756 | €6,878 | ▼ 50.0% |
| Other amounts payable47/48 | - | €5,689 | €604 | - | - | - |
| Accrued charges and deferred income492/3 | - | €7 | €7 | €8 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,266 | €80,353 | €72,809 | €66,845 | -€46,208 | ▼ 169% |
| + Depreciation and write-downs630 | €640 | €640 | €1,140 | €948 | €948 | = |
| Operating cash flow (approximation) | €48,906 | €80,993 | €73,949 | €67,793 | -€45,260 | ▼ 167% |
| Investment in fixed assets (approximation) | - | €0 | -€3,708 | €0 | €0 | - |
| Change in cash | - | €42,519 | €70,384 | €55,168 | -€217,737 | ▼ 495% |
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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet -€46,208
Net result drops to -€46,208, the lowest in the series.
30-06
Financial
Liquidity doublescurrent ratio 26.51
Current ratio from 11.02 to 26.51; short-term debt falls from €32,509 to €10,996.
25-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-06
Financial
Highest result since 2019net €80,353 ▲66.5%
Operating result €112,004, net result €80,353, both a record.
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Liquidity doublescurrent ratio 6.33
Current ratio from 2.81 to 6.33; short-term debt falls from €81,661 to €20,034.
30-06
Financial
Equity above €200,000Eq €222,136 ▲27.8%
3 profitable years in a row build equity to €222,136.
2020
27-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
28-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
Show earlier events
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
20-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 20 days late
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 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
5 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, Schaarbeek · 1 establishment unit since 2011
Ground area
545 m²
Building footprint
543 m²
Volume, LiDAR
6,938 m³
Parcel 21905C0089/00R016, Brussels · tallest building 29.5 m, ±2 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Eugène Plaskylaan 102, 1030 Schaarbeek
since 20112.195.502.354
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21905C0089/00R016 | Brussels | 545 m² | 1 · 543 m² | 29.5 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
8755000CLBXP4Q174O81
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Of 18,250 companies in sector 71111 we hold annual accounts for 6,321. 4,344 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
Founded13-01-2011
Fiscal year end30-06
Activities, NACEBEL 2025
71111Activities of building architects
41001General construction of residential buildings
Contact
Phone
0472524451Schaarbeek
E-invoicing
Reachable via Peppol
Peppol ID
0208:0832758658
Also
9925:BE0832758658
Registered
29-10-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.