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Generated 17-08-2026
Active BE 0786.796.395Private limited company

Créatif Aménagement

Steenweg op Mechelen 455 ·1950 Kraainem, Belgium· 4 yrs active
Sector: Schilderen van gebouwen (43341)
Conclusion Checked

The computed 12-month bankruptcy probability of Créatif Aménagement is 3.8% (moderate). The 2023 annual accounts show equity of €8k and a net result of €2k. Its solvency ranks better than 15% of 9178 sector peers (fiscal year 2023). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.
Key figures
Equity €8k
Net result €2k
Better than sector 15%
Active 4 yrs
Financial profile 5 of 5 axes measured · computed by Checked
Health48Profitability100Solvency17Growth52Stability94
62 / 100

Strong profile, led by profitability.

All 5 axes are computed from data Checked has read.

Health 48
Profitability 100
Solvency 17
Growth 52
Stability 94
Bankruptcy probability (12 mo) Checked model v1 · free
3.8% Moderate
0%0,5%1,5%4%10%≥25%
Young company +Higher-failure-rate sector +Annual accounts: weaker financial profile +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 2 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags0 events
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Health barometer FY 2023 · computed
48 / 100 Fair
050100
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.

The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.

See plans →
Computed by Checked from the NBB filing for FY 2023. Indicative, not credit advice.
Financial overview2 NBB filings
Annual accounts filed on 02-12-2024 with the NBB · fiscal year 2023 · micro
€0€5k€10k€15kRevenue 2022: €13k€13kOperating result 2022: €8k€8kNet result 2022: €6k€6kOperating result 2023: €4k€4kNet result 2023: €2k€2k20222023
RevenueOperating resultNet result
Sector comparison
Fiscal year 2023 · NACE 43, Specialised construction · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 8.4% 38.6%
better than 15% of 9178 sector peers
Net result €2k €12k
better than 28% of 9163 sector peers
Equity €8k €30k
better than 20% of 9185 sector peers
Gross operating margin €16k €33k
better than 30% of 9152 sector peers
Total assets €98k €90k
better than 54% of 9179 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Revenue
€13k
- 22-23
EBITDA
€9k
- 22-23
Net profit
€2k
-57.9% 22-23
Cash flow
€7k
- 22-23
Total assets
€98k
+868.9% 22-23
Equity
€8k
+42.1% 22-23
Working capital
€-313
- 22-23
Income taxes
€2k
+18.1% 22-23
Show 10 other metrics
Debt
€90k
+1985.6% 22-23
Debt ≤ 1y
€86k
+1888.4% 22-23
Current ratio
1.00
-57.6% 22-23
Quick ratio
1.00
-57.6% 22-23
Solvency
8.4%
-85.3% 22-23
Debt / equity
10.87
+1368.1% 22-23
ROE
29.6%
-70.4% 22-23
ROA
2.5%
-95.7% 22-23
Net margin
44.2%
- 22-23
Interest coverage
229.02
- 22-23
Figures by fiscal year
Fiscal year2023
Depositmicro
Revenue-
EBITDA€9k
Net profit€2k
Cash flow€7k
Staff costs-
Income taxes€2k
Dividends-
Total assets€98k
Equity€8k
Debt€90k
of which ≤ 1y€86k
of which > 1y-
Working capital€-313
Employees (FTE)-
Ratios (computed)
2023
Current ratio1.00
Quick ratio1.00
Working capital ratio-0.3%
Solvency8.4%
Debt / equity10.87
Long-term debt ratio-
Interest coverage229.02
Gross margin-
Net margin-
ROA2.5%
ROE29.6%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2023
Full annual accounts (20 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2023
Balance sheet, Assets
TOTAL ASSETS 20/58€98k
Fixed assets 21/28€13k
Tangible fixed assets 22/27€10k
Financial fixed assets 28€3k
Current assets 29/58€86k
Amounts receivable within one year 40/41€76k
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€98k
Equity 10/15€8k
Accumulated profits (losses) 14€8k
Amounts payable 17/49€90k
Amounts payable within one year 42/48€86k
Trade debts payable within one year 44€70k
Income statement
Gross operating margin 9900€16k
Operating result 9901€4k
Financial charges 65€41
Result before taxes 9903€4k
Income taxes 67/77€2k
Net result for the period 9904€2k
Result to be appropriated 9905€2k
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan. See plans →
Ratios computed by Checked.
Directors & mandates 1 directors
Current directors & mandates
  • Jendoubi Naoures
    Director
    State Gazette act 25055464 (29-04-2025)
    Current
    10-04-2025 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Legal Structure
NACE primary Schilderen van gebouwen(43341)
Legal form Private limited company(610)
Incorporation03-06-2022
StatusActive
Postal code1950
Establishment units 1 location
Créatif Aménagement
Rue des Alisiers - ATHUS 17, 6791 AubangeSchrijnwerk
since 20222.340.114.706
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

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.

Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
22002C0073/00N009 Flanders 1.1 ha 1 · 865 m² 42.8 m · 14 fl.
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 3 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2025
29-04-2025
State Gazette act Capital & shares
2024
02-12-2024
NBB filing Annual accounts filed
fiscal year 2023 · micro
2023
23-09-2023
NBB filing Annual accounts filed
fiscal year 2022 · micro
Belgian State Gazette reading coverage 0 of 2 acts read

We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Belgisch Staatsblad, acts 1 acts
Capital history · 1
29-04-2025
Capital change
All acts · 1 updated 1 year ago
2025
29-04-2025 All shares are now held by a single shareholder Capital & shares
Technical details 
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          "share_class": null,
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  "notary": {
    "name": null,
    "firm_city": null,
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    "office_city": "Brussel",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2025-04-29",
    "filing_date": null,
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "algemene_vergadering",
    "act_date": "2025-04-22",
    "unanimous": true,
    "under_authorized_capital": false,
    "underlying_resolution_date": "2025-04-10"
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0786.796.395",
    "name_full": "Cr\u00E9atif Am\u00E9nagement",
    "legal_form": "BV",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
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  "co_filed_documents": [],
  "shareholders_after": [
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    {
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      "kind": "person",
      "name": "Meneer Akdime Brahim",
      "role": "simple_associ\u00E9",
      "n_shares": null,
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  "share_classes_after": []
}
Credit advice verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
Company registry (CBE) Crossroads Bank
Activities
Schilderen van gebouwen43341Schilderen van gebouwen43341Schrijnwerk43320Schrijnwerk43320Landschapsverzorging81300Landschapsverzorging81300
Primary activity highlighted.
Names & trade names
Legal nameNL Créatif Aménagement
Registered office
Steenweg op Mechelen 455 bus 1
1950 Kraainem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative