CREATIBOIS
ActiveSummary
The computed 12-month bankruptcy probability of CREATIBOIS is 4.4% (elevated). The 2025 annual accounts show equity of €42,144 and a net result of -€3,228. Equity is growing by ~29.4% per year across the filed fiscal years. Its solvency ranks better than 22% of 28184 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability56▼-30
Solvency45▼-3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
4.4%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity short (current ratio 0.43 against 0.98 in 2024; short-term debt: 57.7% and cash: 17.2% of total assets), and 80.3% of the assets are financed with debt.
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Signals
Seven 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 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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
19.7%
Return on assets
-1.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 28184 sector peers (2025).
NBB · sector comparisonPosition among 28184 sector peers
Solvency
better than 22%
← weakest
strongest →
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 17-07-2026, 14 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
14 d early
2024
31 d early
2023
14 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 20 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.
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
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you trust this company with building work?Contractor check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark
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Financials · fiscal year 2025, micro schema
Equity
€42,144▼ 7.1%
2024 · €45,372
Total assets
€213,991▲ 6.5%
2024 · €200,979
Net result
-€3,228
2024 · €28,021
Working capital
-€69,876▼ 2,768%
2024 · -€2,437
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
Line202320242025
Operating result€9,500-€36,317▲ 282%€2,130▼ 94.1%
Net result€7,351-€28,021▲ 281%-€3,228
Equity€17,351-€45,372▲ 161%€42,144▼ 7.1%
Total assets€156,126-€200,979▲ 28.7%€213,991▲ 6.5%
Debt€138,775-€155,607▲ 12.1%€171,846▲ 10.4%
Working capital-€15,339--€2,437▲ 84.1%-€69,876▼ 2,768%
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 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213,991
Fixed assets
€160,407 ▲ 61.1%
Current assets
€53,584 ▼ 47.2%
Equity and liabilities €213,991
Equity
€42,144 ▼ 7.1%
Debt
€171,846 ▲ 10.4%
Debt's share of the balance-sheet total rises from 77.4% to 80.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€26,170▼
2024 · €53,253
Cash flow
€20,812▼
2024 · €44,957
Current ratio
0.43▼
2024 · 0.98
Quick ratio
0.37▼
2024 · 0.95
Debt to equity
4.08▲
2024 · 3.43
ROE
-7.7%▼
2024 · 61.8%
ROA
-1.5%▼
2024 · 13.9%
Interest coverage
4.73▼
2024 · 21.92
Debt ≤ 1 year
€123,460▲
2024 · €103,853
Debt > 1 year
€48,386▼
2024 · €51,754
Income taxes
€173▼
2024 · €6,024
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 1,270 companies that looked in July 2024 the way this one looks now, 3.6% went bankrupt within 24 months and 93% are still going.
- Micro
- 2 to 5 years old
- solvency 10 to 30%
- a small loss
3.6%
went bankrupt
2.0%
stopped otherwise
93%
still going
A further 1.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 4.4% 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 1,270 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,429 | €16,936 | €24,040 | ▲ 41.9% |
| Other operating charges640/8 | - | €109 | €74 | ▼ 31.6% |
| Gross operating margin9900 | €11,928 | €53,362 | €26,244 | ▼ 50.8% |
| Operating profit (loss)9901 | €9,500 | €36,317 | €2,130 | ▼ 94.1% |
| Financial income75/76B | €0 | €158 | €346 | ▲ 119% |
| Recurring financial income75 | €0 | €158 | €346 | ▲ 119% |
| Financial charges65/66B | €744 | €2,429 | €5,531 | ▲ 128% |
| Recurring financial charges65 | €744 | €2,429 | €5,531 | ▲ 128% |
| Profit (loss) for the period before taxes9903 | €8,756 | €34,045 | -€3,054 | ▼ 109% |
| Income taxes67/77 | €1,405 | €6,024 | €173 | ▼ 97.1% |
| Profit (loss) for the period9904 | €7,351 | €28,021 | -€3,228 | ▼ 112% |
| Profit (loss) for the period to be appropriated9905 | €7,351 | €28,021 | -€3,228 | ▼ 112% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €156,126 | €200,979 | €213,991 | ▲ 6.5% |
| Fixed assets21/28 | €47,692 | €99,562 | €160,407 | ▲ 61.1% |
| Intangible fixed assets21 | - | - | €1,281 | - |
| Tangible fixed assets22/27 | €47,692 | €99,562 | €159,126 | ▲ 59.8% |
| Land and buildings22 | - | €45,211 | €117,082 | ▲ 159% |
| Plant, machinery and equipment23 | €25,335 | €39,056 | €34,211 | ▼ 12.4% |
| Furniture and vehicles24 | €19,297 | €12,545 | €5,393 | ▼ 57.0% |
| Other tangible fixed assets26 | €3,059 | €2,749 | €2,440 | ▼ 11.3% |
| Current assets29/58 | €108,434 | €101,416 | €53,584 | ▼ 47.2% |
| Stocks and contracts in progress3 | €6,880 | €2,559 | €7,580 | ▲ 196% |
| Stocks30/36 | €6,880 | €2,559 | €7,580 | ▲ 196% |
| Amounts receivable within one year40/41 | €55,059 | €56,044 | €8,858 | ▼ 84.2% |
| Trade receivables40 | €52,891 | €50,835 | €5,992 | ▼ 88.2% |
| Other amounts receivable41 | €2,168 | €5,208 | €2,866 | ▼ 45.0% |
| Current investments50/53 | - | €20,000 | €0 | ▼ 100% |
| Cash at bank and in hand54/58 | €46,220 | €22,469 | €36,796 | ▲ 63.8% |
| Deferred charges and accrued income490/1 | €275 | €345 | €350 | ▲ 1.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €156,126 | €200,979 | €213,991 | ▲ 6.5% |
| Equity10/15 | €17,351 | €45,372 | €42,144 | ▼ 7.1% |
| Contributions10/11 | €10,000 | €10,000 | €10,000 | = |
| Profit (loss) carried forward14 | €7,351 | €35,372 | €32,144 | ▼ 9.1% |
| Amounts payable17/49 | €138,775 | €155,607 | €171,846 | ▲ 10.4% |
| Amounts payable after more than one year17 | €15,001 | €51,754 | €48,386 | ▼ 6.5% |
| Financial debts170/4 | €15,001 | €51,754 | €48,386 | ▼ 6.5% |
| Amounts payable within one year42/48 | €123,774 | €103,853 | €123,460 | ▲ 18.9% |
| Current portion of amounts payable after more than one year42 | €3,443 | €7,963 | €8,297 | ▲ 4.2% |
| Trade debts44 | €51,351 | €46,749 | €4,131 | ▼ 91.2% |
| Suppliers440/4 | €51,351 | €46,749 | €4,131 | ▼ 91.2% |
| Advances received on contracts in progress46 | €38,000 | €21,950 | €21,750 | ▼ 0.9% |
| Taxes, remuneration and social security45 | €3,927 | €4,717 | €3,928 | ▼ 16.7% |
| Taxes450/3 | €1,877 | €2,217 | €1,428 | ▼ 35.6% |
| Remuneration and social security454/9 | €2,050 | €2,500 | €2,500 | = |
| Other amounts payable47/48 | €27,054 | €22,474 | €85,355 | ▲ 280% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €7,351 | €28,021 | -€3,228 | ▼ 112% |
| + Depreciation and write-downs630 | €2,429 | €16,936 | €24,040 | ▲ 41.9% |
| Operating cash flow (approximation) | €9,780 | €44,957 | €20,812 | ▼ 53.7% |
| Investment in fixed assets (approximation) | - | -€68,807 | -€84,884 | ▼ 23.4% |
| Change in cash | - | -€23,751 | €14,327 | ▲ 160% |
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet -€3,228
Net result drops to -€3,228, the lowest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €28,021 ▲281%
Operating result €36,317, net result €28,021, both a record.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Fosses-la-Ville · 2 establishment units since 2023
Ground area
2,754 m²
Building footprint
88 m²
Volume, LiDAR
517 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CREATIBOIS
since 20232.347.881.337
CREATIBOIS
since 20232.347.881.436
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92132A0145/00A000 | Wallonia | 1,700 m² | - | - |
| 92048G0062/00E000 | Wallonia | 1,054 m² | 1 · 88 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
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S & D CONSTRUCT
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Of 20,025 companies in sector 43320 we hold annual accounts for 9,134. 7,234 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
Founded20-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
43320Joinery installation
26520Manufacture of computer, electronic and optical products
31001Manufacture of furniture
31002Manufacture of furniture
31009Manufacture of furniture
85599Other education
E-invoicing
Reachable via Peppol
Peppol ID
0208:0802910372
Also
9925:BE0802910372
Registered
14-08-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.