CREATION STORE
ActiveSummary
The computed 12-month bankruptcy probability of CREATION STORE is 3.2% (moderate). The 2025 annual accounts show equity of €17,244 and a net result of €3,462. Equity is growing by ~53.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 4235 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability68▼-32
Solvency86▼-14
Growth85▲+7
Track record94
Bankruptcy probability, 12 months
3.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,000 at 30 days acceptable
Liquidity ample (current ratio 2.57 against 5.88 in 2024; short-term debt: 38.8% and cash: 78% of total assets), and 38.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+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 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
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
61.2%
Return on assets
12.3%
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 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
1 d early
2023
127 d late
2022
57 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 4 accounts on average 54 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, full schema
Turnover
€104,006▲ 33.1%
2024 · €78,117
EBIT margin
3.3%▼ 5.9pp
2024 · 9.2%
Net result
€3,462▼ 51.8%
2024 · €7,188
Working capital
€17,144▲ 25.3%
2024 · €13,682
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, 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
Line2022202320242025
Turnover€78,117€104,006▲ 33.1%
Operating result-€1,971-€7,288€7,188▼ 1.4%€3,462▼ 51.8%
Net result-€1,966within the sector's middle half-€5,560within the sector's middle half€7,188within the sector's middle half▲ 29.3%€3,462within the sector's middle half▼ 51.8%
EBIT margin9.2%3.3%▼ 5.9pp
Equity€1,034below the sector's middle half-€6,594within the sector's middle half▲ 538%€13,782within the sector's middle half▲ 109%€17,244below the sector's middle half▲ 25.1%
Total assets€6,566below the sector's middle half-€10,376below the sector's middle half▲ 58.0%€16,584below the sector's middle half▲ 59.8%€28,174below the sector's middle half▲ 69.9%
Debt€5,532-€3,782▼ 31.6%€2,802▼ 25.9%€10,930▲ 290%
Working capital€2,190within the sector's middle half-€6,494within the sector's middle half▲ 197%€13,682within the sector's middle half▲ 111%€17,144within the sector's middle half▲ 25.3%
Solvency15.8%within the sector's middle half-63.5%above the sector's middle half▲ 47.8pp83.1%above the sector's middle half▲ 19.6pp61.2%within the sector's middle half▼ 21.9pp
Current ratio1.51within the sector's middle half-2.72above the sector's middle half▲ 1.205.88above the sector's middle half▲ 3.172.57within the sector's middle half▼ 3.31
Return on assets (ROA)-29.9%below the sector's middle half-53.6%above the sector's middle half▲ 83.5pp43.3%above the sector's middle half▼ 10.2pp12.3%above the sector's middle half▼ 31.1pp
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €28,174
Fixed assets
€100 =
Current assets
€28,074 ▲ 70.3%
Equity and liabilities €28,174
Equity
€17,244 ▲ 25.1%
Debt
€10,930 ▲ 290%
Debt's share of the balance-sheet total rises from 16.9% to 38.8%. Equity and debt are higher.
Key figures and ratios
Quick ratio
2.01▼
2024 · 2.83
Debt to equity
0.63▲
2024 · 0.20
ROE
20.1%▼
2024 · 52.2%
Debt ≤ 1 year
€10,930▲
2024 · €2,802
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a higher bankruptcy probability: 3.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 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% | 1.7% |
| 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 75% 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 39,276 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 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Turnover70 | - | - | €78,117 | €104,006 | ▲ 33.1% |
| Goods, raw materials, services and sundry goods60/61 | - | - | €70,930 | €100,544 | ▲ 41.8% |
| Other operating charges640/8 | €1,166 | €184 | - | - | - |
| Gross operating margin9900 | -€805 | €7,472 | €7,188 | €3,462 | ▼ 51.8% |
| Operating profit (loss)9901 | -€1,971 | €7,288 | €7,188 | €3,462 | ▼ 51.8% |
| Financial income75/76B | €202 | €1 | - | - | - |
| Recurring financial income75 | €202 | €1 | - | - | - |
| Financial charges65/66B | €197 | €373 | - | - | - |
| Recurring financial charges65 | €197 | €373 | - | - | - |
| Profit (loss) for the period before taxes9903 | -€1,966 | €6,916 | €7,188 | €3,462 | ▼ 51.8% |
| Income taxes67/77 | - | €1,356 | - | - | - |
| Profit (loss) for the period9904 | -€1,966 | €5,560 | €7,188 | €3,462 | ▼ 51.8% |
| Profit (loss) for the period to be appropriated9905 | -€1,966 | €5,560 | €7,188 | €3,462 | ▼ 51.8% |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Assets | |||||
| Total assets20/58 | €6,566 | €10,376 | €16,584 | €28,174 | ▲ 69.9% |
| Fixed assets21/28 | €100 | €100 | €100 | €100 | = |
| Financial fixed assets28 | €100 | €100 | €100 | €100 | = |
| Current assets29/58 | €6,466 | €10,276 | €16,484 | €28,074 | ▲ 70.3% |
| Stocks and contracts in progress3 | €3,000 | €3,000 | €8,560 | €6,110 | ▼ 28.6% |
| Stocks30/36 | €3,000 | €3,000 | €8,560 | €6,110 | ▼ 28.6% |
| Amounts receivable within one year40/41 | - | €3,725 | - | - | - |
| Other amounts receivable41 | - | €3,725 | - | - | - |
| Cash at bank and in hand54/58 | €3,466 | €3,551 | €7,924 | €21,964 | ▲ 177% |
| Equity and liabilities | |||||
| Total equity and liabilities10/49 | €6,566 | €10,376 | €16,584 | €28,174 | ▲ 69.9% |
| Equity10/15 | €1,034 | €6,594 | €13,782 | €17,244 | ▲ 25.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Capital10 | - | - | €3,000 | €3,000 | = |
| Issued capital100 | - | - | €3,000 | €3,000 | = |
| Profit (loss) carried forward14 | -€1,966 | €3,594 | €10,782 | €14,244 | ▲ 32.1% |
| Amounts payable17/49 | €5,532 | €3,782 | €2,802 | €10,930 | ▲ 290% |
| Amounts payable within one year42/48 | €4,276 | €3,782 | €2,802 | €10,930 | ▲ 290% |
| Financial debts43 | €9 | €19 | - | - | - |
| Credit institutions430/8 | €9 | €19 | - | - | - |
| Trade debts44 | €2,952 | €661 | €550 | €8,478 | ▲ 1,441% |
| Suppliers440/4 | €2,952 | €661 | €550 | €8,478 | ▲ 1,441% |
| Taxes, remuneration and social security45 | €1,310 | €3,103 | €2,252 | €2,452 | ▲ 8.9% |
| Taxes450/3 | €1,310 | €3,103 | €2,252 | €2,452 | ▲ 8.9% |
| Other amounts payable47/48 | €6 | - | - | - | - |
| Accrued charges and deferred income492/3 | €1,256 | - | - | - | - |
| Line | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€1,966 | €5,560 | €7,188 | €3,462 | ▼ 51.8% |
| Operating cash flow (approximation) | -€1,966 | €5,560 | €7,188 | €3,462 | ▼ 51.8% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | - |
| Change in cash | - | €85 | €4,373 | €14,040 | ▲ 221% |
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €7,188 ▲29.3%
Net result €7,188, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 5.88
Current ratio from 2.72 to 5.88; short-term debt falls from €3,782 to €2,802.
05-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 127 days late
2023
31-12
Financial
Back to profitnet €5,560
Net result €5,560 after one loss-making year.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
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, Brussel · 1 establishment unit since 2024
Ground area
1,278 m²
Building footprint
502 m²
Volume, LiDAR
5,849 m³
Parcel 21818E0167/00F010, Brussels · tallest building 16.1 m, ±5 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CREATION STORE
since 20242.355.624.610
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21818E0167/00F010 | Brussels | 1,277 m² | 1 · 502 m² | 16.1 m · 5 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 1,271 companies in sector 47512 we hold annual accounts for 581. 347 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
Founded21-12-2021
Fiscal year end31-12
Activities, NACEBEL 2025
47512Retail sale of household textiles and bedding
E-invoicing
Reachable via Peppol
Peppol ID
0208:0778942959
Also
9925:BE0778942959
Registered
17-03-2026
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.