CREATIONIMMO
ActiveSummary
CREATIONIMMO has been active since 2024 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43,440 and a net result of -€14,335. Its solvency ranks better than 19% of 11,271 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Overview
Overview
Official details
Source: KBO- Status
- Active since 28-03-2024 Normal situation
- Registered office
- 10 active companies are registered at this address Source: KBO register, as of 5 November 2026.
- Activity
- Development of residential building projects NACE 68121and 1 other
- Establishment unit
- 2.360.575.469 4608 Dalhem, since 28-03-2024
- Financial year end
- 31 December
- Peppol
- Reachable since 16-01-2026
Board and ownership
- Charlotte SpitsDirector · since 28-03-2024
- Vanessa ThiryDirector · since 28-03-2024
- Franky TolpeDirector · since 20-11-2024
- BELFIUS IMMO50%· score 902025 annual accounts of BELFIUS IMMO
Financial position
- Bankruptcy probabilitywithin 12 months
- 0.1%
- Gross margin
- -€273,653
- ▼ 10,735%
- Loss
- €14,335
- ▲ 285%
- Equity
- €43,440
- ▼ 24.8%
- Total assets
- €3.1m
- ▲ 86.0%
- 2025 accounts filed 30 days after the deadline
Score breakdownraises riskLiquidity: current ratio 5.54, cash €53,386, halvedlowers riskSize: total assets €3.1mSector: Real estate activities (NACE 68)Figures for financial year 2025 (filed on 09-09-2026)Show the evidence
Checked score
About 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 68, small). It does better than 18% of them on solvency, 45% on liquidity, 31% on profitability and 14% on growth.
The bankruptcy probability was computed on 04-11-2026 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).
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
The company filed its last 2 accounts on average 1 day after the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
Financials
Financials · financial year 2025, abbreviated format
2025 annual accounts filed 30 days after the deadline Filed on 30 August 2026, deadline 31 July 2026 (7 months after the close on 31 December 2025, Companies Code art. 3:10). Source: NBB, 2026-00507892.
Annual accounts 2025 filed on 30-08-2026 at the NBB all 2 filings
Every figure per financial year
The operating result for 2025 is a loss of €13,820, larger than the loss of €3,393 in 2024.
Turnover and EBIT margin are not published. The abbreviated or micro format does not require them.
Investments
| Item | 2024 | 2025 |
|---|---|---|
| Financial fixed assets | - | €0 |
Source: notes to the 2024 to 2025 annual accounts (statement of fixed assets)
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Other operating charges640/8 | €868 | €4,526 | ▲ 422% |
| Operating charges capitalised as restructuring costs649 | - | -€264,358 | - |
| Gross operating margin9900 | -€2,526 | -€273,653 | ▼ 10,735% |
| Operating profit (loss)9901 | -€3,393 | -€13,820 | ▼ 307% |
| Financial charges65/66B | €332 | €515 | ▲ 55.3% |
| Recurring financial charges65 | €332 | €515 | ▲ 55.3% |
| Profit (loss) for the period before taxes9903 | -€3,725 | -€14,335 | ▼ 285% |
| Profit (loss) for the period9904 | -€3,725 | -€14,335 | ▼ 285% |
| Profit (loss) for the period to be appropriated9905 | -€3,725 | -€14,335 | ▼ 285% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €1.7m | €3.1m | ▲ 86.0% |
| Current assets29/58 | €1.7m | €3.1m | ▲ 86.0% |
| Stocks and contracts in progress3 | €1.0m | €3.0m | ▲ 203% |
| Stocks30/36 | €1.0m | €3.0m | ▲ 203% |
| Amounts receivable within one year40/41 | €0.2m | €0.002m | ▼ 98.5% |
| Other amounts receivable41 | €0.2m | €0.002m | ▼ 98.5% |
| Cash at bank and in hand54/58 | €0.5m | €0.05m | ▼ 89.7% |
| Deferred charges and accrued income490/1 | - | €0.02m | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €1.7m | €3.1m | ▲ 86.0% |
| Equity10/15 | €0.06m | €0.04m | ▼ 24.8% |
| Contributions10/11 | €0.06m | €0.06m | = |
| Capital10 | €0.06m | €0.06m | = |
| Issued capital100 | €0.06m | €0.06m | = |
| Profit (loss) carried forward14 | -€0.004m | -€0.02m | ▼ 385% |
| Amounts payable17/49 | €1.6m | €3.1m | ▲ 90.0% |
| Amounts payable after more than one year17 | €1.0m | €2.5m | ▲ 151% |
| Other amounts payable178/9 | €1.0m | €2.5m | ▲ 151% |
| Amounts payable within one year42/48 | €0.6m | €0.6m | ▼ 9.1% |
| Trade debts44 | €0.6m | €0.5m | ▼ 18.8% |
| Suppliers440/4 | €0.6m | €0.5m | ▼ 18.8% |
| Other amounts payable47/48 | - | €0.06m | - |
| Accrued charges and deferred income492/3 | - | €0.003m | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€3,725 | -€14,335 | ▼ 285% |
| Operating cash flow (approximation) | -€3,725 | -€14,335 | ▼ 285% |
| Change in cash | - | -€464,372 | - |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Historical observation
In July 2024, 865 companies had the same profile as CREATIONIMMO has now. Two years later, 96.6% were still going and 1.5% had gone bankrupt.
- Small
- 2 to 5 years old
- solvency under 10%
- a small loss
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of CREATIONIMMO itself is lower: 0.1% within 12 months. It rests on far more data about CREATIONIMMO than the profile alone.
Test of the method
The method was tested on the 497,446 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 865 companies, not a prediction for CREATIONIMMO. 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.
Board & ownership
Directors
Owners and capital
Shareholders
1 ownerOwners 1
- Equity €88.0m Profit of €3.0m in 2025 (profit of €2.4m in 2024) Checked score 9050%
Owners through the years 2024 to 2025
| Name | 2024 | 2025 |
|---|---|---|
| BELFIUS IMMO | 50% | |
Source: lists of holdings in the owners' accounts
Capital transactions
- Création L.C. (BE 0470.709.821) 30,750 shares (50%)
- Belfius Immo (BE 0436.006.090) 30,750 shares (50%)
- 02-04-2024 Incorporation · €61,500 · 61,500 shares
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| Charlotte Spits |
|
| Vanessa Thiry |
|
| Franky Tolpe |
|
| Luc Spits |
|
| SPONS Ingrid Elisabeth Leonarda |
|
| DE WISPELAERE Franky |
|
Articles of association
- Board ruleThese rules set how the board is made up, meets and takes decisions.
- 4 directors
- Liquidation ruleIn a liquidation the creditors are paid first. What is left goes to the shareholders.
- “L'assemblée générale peut à tout moment limiter ces pouvoirs par décision prise à l'unanimité des voix”
Articles of association, deed of 02-04-2024 (in French)
Network & group
Connections & network
2 connected companies, 8 earlier tiesShow 4 more earlier ties
Timeline
Deeds, filings and financial milestones
22-09
Gazette deed
Appointment: Luc Spits (director)Resignation: Ingrid Spons (director)3 points ▸
- General meeting, 28-08-2026
- Director appointment, Luc Spits
- Director resignation, Ingrid Spons
29-11
Gazette deed
Resignation: Franky De Wispelaere (class B director)Appointment: Franky Tolpe (class B director) · Director discharge: Franky De Wispelaere8 points ▸
- General meeting, 20-11-2024
- Director resignation, Franky De Wispelaere (class B director)
- Director appointment, Franky Tolpe (class B director)
- Board composition, Charlotte Spits (class A director)
- Board composition, Ingrid Elisabeth L. Spons (class A director)
- Board composition, Franky Tolpe (class B director)
- Board composition, Vanessa Thiry (class B director)
- Director discharge, Franky De Wispelaere
- The deed holds 4 more points.
02-04
Gazette deed
IncorporationFounding capital of €61,500, 61,500 shares · Founders: Création L.C. and Belfius Immo · Appointments: Charlotte Spits, Ingrid Elisabeth L. Spons and 2 others8 points ▸
- Founder, Création L.C.
- Founder, Belfius Immo
- Founding capital, €61,500, 61,500 shares
- Capital, €61,500, 61,500 shares
- Director appointment, Charlotte Spits (class A director)
- Director appointment, Ingrid Elisabeth L. Spons (class A director)
- Director appointment, Vanessa Thiry (class B director)
- Director appointment, DE WISPELAERE Franky Julien Octaaf Hector (class B director)
- The deed holds 2 more points.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordRegistered office and establishments
Activities
NACEBEL 2025Codes under NACEBEL 2008
Invoicing and payment
Check the withholding obligation If you pay this company for building or cleaning work, check before every payment whether you must withhold part of the invoice. Use the enterprise number 1007.717.360
Financial year and general meeting
Accounts at the NBBSites & property
Buildings and parcels at the address
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 63055A0078/00N000 | Wallonia | 822 m² | 1 · 368 m² | 10.2 m · 3 |