Equity
€5,474 from €165,546 in 2024
Equity fell by 97% in 1 year.
CREATIMS
Overview
Lifetime
4 annual accounts with figures on one time axispeak €87,978 (2024)
€60,511▼ 31.2%
peak €68,439 (2024)
€40,728▼ 40.5%
peak €165,546 (2024)
€5,474▼ 96.7%
€50,349▲ 205%
Board1 name since 2022
1 directorLASKER Elie Max
Documentsfilings and deeds
06-07-202625 days before the deadline
2025micro format
Gross margin from €87,978 to €60,511Result from €68,439 to €40,728Dividend €200,800Equity from €165,546 to €5,474Debts from €16,507 to €50,349Cash from €163,831 to €43,903
Key points
from the 2025 annual accountsTurnover
≈ €120,000 estimated
The micro format states no turnover.
Debts
€50,349 90% of the balance sheet
Suppliers 0%Taxes and wages 29%Other 71%
Liquidity
0.89 was 9.99 in 2024
Short-term debts rose from €16,507 to €50,349.
Filings
4 annual accounts 1 late
The 2022 accounts came 8 days late. The other three were filed on time.
Position in the sector
€5,474
Less equity than 86% of companies in head offices and management consultancy. Sector median €78,242 · 39,408 companies.
Checked score
92
Excellent
Financially stronger than 34% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,572 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: < 0.1%● unchanged vs 07-2025
09-2025: < 0.1%● unchanged vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026
10-2026: < 0.1%● unchanged vs 09-2026highest value
11-2026: < 0.1%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Equity €5,474 (9.8% of total assets)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Size: total assets €55,823
Liquidity: current ratio 0.89, cash €43,903, halved
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 17% of them on solvency, 33% on liquidity, 84% on profitability and 4% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 2,157 companies had the same profile as CREATIMS has now. Each dot stands for 6 companies, two years later.
94.1%
were still trading
2.8%
stopped another way
3.0%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CREATIMS itself is lower: < 0.1% within 12 months. It rests on far more data about CREATIMS than the profile alone.
Test of the method
The method was tested on the 497,448 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,157 companies, not a prediction for CREATIMS. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €500 on 30-day terms is acceptable
Liquidity is insufficient, with a current ratio of 0.89 (9.99 in 2024), below 1. Short-term debt is 90.2% and cash 78.6% of total assets. 90.2% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 39376 sector peers (2025).
NBB · sector comparisonPosition among 39376 sector peers
Solvency
better than 16%
← 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 06-07-2026, 25 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
25 days early
2024
44 days early
2023
41 days early
2022
8 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 26 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 29 June (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0786293282
Incorporation
Founder: LASKER Elie Max (comparant) · Appointment: LASKER Elie Max (director) · Permanent representative: LASKER Elie Max · published on 19-05-2022 · Gazette deed
First establishment
Chemin du Fond Coron 25, Lasne
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CREATIMS Lasne | €55,823 | €60,511 | 9.8% | - |
| WHITE PASS Lasne | €65,329 | €64,749 | 75.1% | - |
| Baltique 6074 Rebecq | €52,894 | €59,576 | 91.8% | - |
| G-Lab Consulting Braine-le-Château | €50,308 | €64,039 | 36.1% | - |
| NCH Chaumont-Gistoux | €56,838 | €51,406 | 68.5% | - |
| GALAHAD CONSULTING Waterloo | €51,858 | €50,671 | 18.9% | - |
| SilverBack Company Ixelles | €53,840 | €60,569 | 84.1% | - |
These companies have the same main activity as CREATIMS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €50,300 and €65,300, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 17-05-2022Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.333.796.5411380 Lasne, since 17-05-2022
- Financial year end
- 31 December
- Peppol
- Reachable since 15-06-2022
Annual accounts 2025
- €60,511▼ 31.2%
- €40,728▼ 40.5%
- €5,474▼ 96.7%
- €55,823▼ 69.3%
- Filing
- Filed on 06-07-2026, 25 days before the end of the filing period
Insights on CREATIMS
CREATIMS files the micro format. That format states no turnover. The gross margin rose from €55,293 in 2022 to €60,511 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 06-07-2026, 25 days before the deadline€60,511
▼ 31.2%
€53,769
▼ 37.8%
€40,728
▼ 40.5%
-€5,530
▼ €153,861
9.8%
▼ 81.1 percentage points
0.89
▼ 9.10
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €120,000. Estimated: probably between €93,000 and €160,000.
Balance sheet
balance sheet total €55,823 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
9.8%
Higher than 16% of 39,376 companies in 2025.
0.89
Higher than 20% of 38,058 companies in 2025.
73.0%
Higher than 95% of 38,530 companies in 2025.
CREATIMS
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter · Working capital: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
55,823 | 182,053 | 107,383 | 52,632 | |
21/28 |
11,003 | 17,215 | 561 | 979 | |
22/27 |
11,003 | 17,215 | 561 | 979 | |
24 |
11,003 | 17,215 | 561 | 979 | |
29/58 |
44,820 | 164,838 | 106,823 | 51,653 | |
40/41 |
- | - | - | 16 | |
40 |
- | - | - | 16 | |
54/58 |
43,903 | 163,831 | 106,823 | 51,637 | |
490/1 |
916 | 1,007 | - | - | |
| Balance sheet: equity and liabilities | |||||
10/49 |
55,823 | 182,053 | 107,383 | 52,632 | |
10/15 |
5,474 | 165,546 | 97,107 | 44,336 | |
10/11 |
500 | 500 | 500 | 500 | |
14 |
4,974 | 165,046 | 96,607 | 43,836 | |
17/49 |
50,349 | 16,507 | 10,276 | 8,296 | |
42/48 |
50,349 | 16,507 | 10,276 | 8,296 | |
44 |
143 | 170 | 84 | 525 | |
440/4 |
143 | 170 | 84 | 525 | |
45 |
14,384 | 16,326 | 10,193 | 7,771 | |
450/3 |
14,384 | 16,326 | 10,193 | 7,771 | |
47/48 |
35,823 | 11 | - | - | |
| Income statement | |||||
9900 |
60,511 | 87,978 | 66,857 | 55,293 | |
630 |
6,212 | 1,555 | 419 | 277 | |
640/8 |
531 | - | - | - | |
9901 |
53,769 | 86,424 | 66,439 | 55,016 | |
75/76B |
- | - | 4 | - | |
75 |
- | - | 4 | - | |
65/66B |
156 | 132 | - | - | |
65 |
156 | 132 | - | - | |
9903 |
53,613 | 86,292 | 66,442 | 55,016 | |
67/77 |
12,885 | 17,853 | 13,672 | 11,180 | |
9904 |
40,728 | 68,439 | 52,771 | 43,836 | |
9905 |
40,728 | 68,439 | 52,771 | 43,836 | |
| Appropriation of the result | |||||
9906 |
205,774 | 165,046 | 96,607 | 43,836 | |
14P |
165,046 | 96,607 | 43,836 | - | |
694/7 |
200,800 | - | - | - | |
694 |
200,800 | - | - | - | |
| Document | |||||
The notes to these accounts have 4 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 06-07-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 59,980 | 87,978 | 66,857 | 55,293 | ||
| 46,939 | 69,994 | 53,189 | 44,113 | ||
| 0 | 18,209 | 0 | 1,256 | ||
| -119,928 | 57,008 | 55,186 | - | ||
| -5,530 | 148,331 | 96,546 | 43,357 | ||
| 9.8% | 90.9% | 90.4% | 84.2% | ||
| 0.89 | 9.99 | 10.39 | 6.23 | ||
| 9.20 | 0.10 | 0.11 | 0.19 | ||
| 744.1% | 41.3% | 54.3% | 98.9% | ||
| 73.0% | 37.6% | 49.1% | 83.3% | ||
| over 100 | over 100 | - | - |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | - | €18,209 | - | €1,256 |
| €6,212 | €1,555 | €419 | €277 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on CREATIMS
The operating result for 2025 is 38% lower than in 2024 and the lowest since 2022.
Debt's share of the balance-sheet total rises from 9.1% to 90.2%. Equity is lower and debt is higher.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 17-05-2022
term without a fixed end
listed in the 2025 annual accounts, filed on 06-07-2026
Mandates through the years
1 name, the dashed line is todayLASKER Elie Max
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- LASKER Elie Max
- Director (not named in the articles), from 17-05-2022 to date
Control
Capital
- Contribution
- €500
- Source
- 2025 annual accounts
Articles of association
deed of 19-05-2022 (in French)- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimited
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Thursday of June at 18:00
Founder
At incorporation
deed of 19-05-2022 ↗
- LASKER Elie Max sole founder · 100% at incorporation
Network & group
No group
CREATIMS has no parent and no holdings in its annual accounts. LASKER Elie Max is the only director. CREATIMS shares no director with another company.
Timeline
Timeline
10 events since 2022Filings
Financial
Establishments
20222023202420252026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 25 days before the deadline
2025
Weakest financial year net €40,728 ▼40.5% The net result drops to €40,728, the lowest from 2022 to 2025.
Annual accounts 2024 filed PDFmicro format · 44 days before the deadline
2024
Highest result from 2022 to 2025 net €68,439 ▲29.7% The operating result of €86,424 and the net result of €68,439 are both a record.
Equity above €150,000 equity €165,546 ▲70.5% With a profit in every financial year since 2022, equity grows to €165,546.
Annual accounts 2023 filed PDFmicro format · 41 days before the deadline
2023
Annual accounts 2022 filed PDFmicro format · 8 days late
2022
Registered in the Peppol Directory Reachable for e-invoices through 0208:0786293282
IncorporationFounder: LASKER Elie Max (comparant) · Appointment: LASKER Elie Max (director) · Permanent representative: LASKER Elie Max · published on 19-05-20225 points ▸
- Founder, LASKER Elie Max (comparant)
- Registered office clause, Chemin du Fond Coron 25, 1380 Lasne
- Board rule, 1
- Director appointment, LASKER Elie Max (director (not named in the articles))
- Permanent representative, LASKER Elie Max
- The deed holds 1 more point.
First establishment Chemin du Fond Coron 25, Lasne
Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
CREATIMS was incorporated on 17 May 2022 as a private limited company by one natural person.12 Since 2022, LASKER Elie Max has served as director.3 Total assets went from €52,632 in 2022 to €55,823 in 2025.4
Company details
Identity
- Enterprise number
- 0786.293.282
- VAT number
- BE 0786.293.282
- Peppol ID
- 0208:0786293282
- Other Peppol ID
- 9925:BE0786293282
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 17-05-2022
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Second Thursday of June at 18:00deed of 19-05-2022 (in French)
- Peppol
- Reachable since 15-06-2022Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CREATIMS in French
- Entity type
- Legal entity
- DurationMost companies exist for an unlimited period, until they are dissolved.
- Unlimiteddeed of 19-05-2022 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
62020
IT consultancy
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Toute activité de consultance,management,recherche,formation,prospection,gestion d'entreprises,coordination,organisation…”deed of 19-05-2022 (in French)
4 activities
- Toute activité de consultance,management,recherche,formation,prospection,gestion d'entreprises,coordination,organisation d'événements,développement,exploitation,mise en œuvre et suivi de tous services et prestations dans les domaines de l'ingénierie,du management,du marketing,de la communication,de l'innovation,de l'informatique,de la finance,du service,de la télécommunication,de l'e-commerce,de l'internet et du commerce au sens large.
- Toute activité de conception,développement,gestion,implémentation,commercialisation (achat,mise à disposition,location,vente) de matériel,services,applications et réseaux informatiques,de sécurité et de télécommunication de toute nature et pour tout secteur,de même que toute activité de création,achat,vente,mise à disposition,location,conseil et gestion dans les domaines de la photographie,la vidéo,l'impression 3D,la création artistique au sens large,la publicité ou tout autre média.
- A titre accessoire,toute activité de création,d'achat,de rénovation,de gestion,de mise à disposition ou prise en location,de vente d'éléments de décoration,d'habillement ou de loisir y compris le mobilier intérieur et extérieur,les vêtements,les montres,les bijoux,le matériel sportif et tout autre objet de loisir au sens large.
- A titre accessoire également,toute activité de création,d'achat,mise à disposition,vente,organisation d'événements ou sessions de formation dans les domaines de la création culinaire ou les plats cuisinés.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Chemin du Fond Coron 25 registered office 1380 Lasne | 17-05-2022 | 2.333.796.541 |
Buildings and parcels at the address
- Ground area
- 2,978 m²
- Buildings
- 186 m²
- Volume, LiDAR
- 1,169 m³
- Tallest building
- 8.8 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25076A0081/00G000 | 2,977 m² | 1 · 186 m² | 8.8 m · 2 |