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CREATIONS

Active
Private limited company·Kappers- en barbiersactiviteiten· 34 yrs active
Keizer Karellaan 420 ·1082 Sint-Agatha-Berchem, Belgium
KBO/BCE: BE 0445.788.244
Watch Print / PDF
Belgian State Gazette acts: 0 of 4 read
Age34 yrs
Real estate1 parcel · 1.3 ha

Summary

Conclusion

the dossier summarised in one paragraph

CREATIONS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-52k) and a net result of €-21k. The computed 12-month bankruptcy probability is 0.7% (low).

Based on the State Gazette, CBE and 1 annual account.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone
0.7% Low
0%0,5%1,5%4%10%≥25%
Higher-failure-rate region +Long track record −

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

Filing behaviour

From the deposit records, complete market-wide
A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 05-08-2026 5 d late 2026-00393624
31-12-2024 31-07-2025 24-06-2025 37 d early 2025-00207389
31-12-2023 31-07-2024 14-07-2024 17 d early 2024-00263363
31-12-2022 31-07-2023 18-05-2023 74 d early 2023-00091716
31-12-2021 31-07-2022 17-07-2022 14 d early 2022-20219806
31-12-2020 31-07-2021 23-06-2021 38 d early 2021-25000408
31-12-2019 31-07-2020 17-06-2020 44 d early 2020-18200036
31-12-2018 31-07-2019 26-02-2019 155 d early 2019-05900404
31-12-2017 31-07-2018 11-06-2018 50 d early 2018-18100170
31-12-2016 31-07-2017 28-06-2017 33 d early 2017-25000023

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.

Trust signals

2 signals
Long-established
Founded in 1991, 34 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.

Administrative Flags

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.

Financials

TurnoverNot published (micro schema)
EBIT marginNot published (micro schema)
Net result€-21k
Working capital€-93k

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 05-08-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenue-
EBITDA€-11k
Net profit€-21k
Cash flow€-12k
Staff costs€128k
Income taxes€244
Dividends-
Total assets€67k
Equity€-52k
Debt€119k
of which ≤ 1y€119k
of which > 1y-
Working capital€-93k
Employees (FTE)3.2
Ratios (computed)
2025
Current ratio0.22
Quick ratio0.09
Working capital ratio-139.4%
Solvency-78.0%
Debt / equity-2.28
Long-term debt ratio-
Interest coverage-8.86
Gross margin-
Net margin-
ROA-31.8%
ROE40.8%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€67k
Fixed assets 21/28€41k
Tangible fixed assets 22/27€41k
Current assets 29/58€26k
Stocks & contracts in progress 3€15k
Amounts receivable within one year 40/41€216
Cash & bank 54/58€10k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€67k
Equity 10/15€-52k
Contributions / capital 10/11€53k
Accumulated profits (losses) 14€-105k
Amounts payable 17/49€119k
Amounts payable within one year 42/48€119k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€124k
Operating result 9901€-20k
Financial income 75€220
Financial charges 65€1k
Result before taxes 9903€-21k
Income taxes 67/77€244
Net result for the period 9904€-21k
Result to be appropriated 9905€-21k
Ratios computed by Checked.

Health barometer

FY 2025 · computed
10 / 100 Critical
050100
Computed from 4 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 2025. Indicative, not credit advice.

Structure & network

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap
54 companies at this address See who is registered here

Establishment units

1 location
Creations
Keizer Karellaan 420, 1082 Sint-Agatha-BerchemKapsalons
since 20012.137.941.465
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.3 ha
Buildings1
Building footprint9,101 m²
Volume (LiDAR)101,262 m³
Tallest building26.6 m · ±4 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

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.

Brussels 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
21003A0333/00C006 Brussels 1.3 ha 1 · 9,101 m² 26.6 m · 4 fl.
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgian State Gazette · acts

0 of 4 acts read

We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.

Analysis

Financial profile

4 of 5 axes measured
Health10Profitability100Solvency33Growth-Stability85
57 / 100

Mixed profile: strong on profitability, weaker on health.

Computed on 4 of 5 axes. Not measured: growth. An unmeasured axis is not a zero: no data was read for it.

Health 10
Profitability 100
Solvency 33
Growth -
Stability 85

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.

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 749 of the 21,789 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Kapsalons93021Haarverzorging96021Kappers- en barbiersactiviteiten96210
Primary activity highlighted.
Names & trade names
Legal nameFR CREATIONS
Registered office
Keizer Karellaan 420 bus 38
1082 Sint-Agatha-Berchem, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.