CREATIVE IMMOBILIERE
ActiveSummary
CREATIVE IMMOBILIERE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €105k and a net result of €12k. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 52% of 14079 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
68
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+3
Solvency57▲+5
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity short (current ratio 0.04 against 0.05 in 2024; short-term debt: 33.1% and cash: 0.3% of total assets), and 67.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
3 d early
2023
2 d early
2022
2 d late
2021
16 d late
2020
29 d late
2019
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€105k▲ 13.4%
2024 · €93k
2019: €36k
2020: €46k
2021: €58k
2022: €70k
2023: €83k
2024: €93k
2019 → 2025
Total assets
€326k▼ 6.2%
2024 · €348k
2019: €431k
2020: €409k
2021: €404k
2022: €385k
2023: €368k
2024: €348k
2019 → 2025
Net result
€12k▲ 28.9%
2024 · €10k
2019: €11k
2020: €10k
2021: €11k
2022: €12k
2023: €13k
2024: €10k
2019 → 2025
Working capital
€-103k▼ 3.1%
2024 · €-100k
2019: €-91k
2020: €-92k
2021: €-92k
2022: €-93k
2023: €-112k
2024: €-100k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€58k-€70k▲ 21.2%€83k▲ 18.9%€93k▲ 11.6%€105k▲ 13.4%
Operating result€24k-€24k▲ 3.3%€24k▼ 3.4%€20k▼ 13.4%€23k▲ 12.0%
Net result€11k-€12k▲ 8.3%€13k▲ 8.4%€10k▼ 27.2%€12k▲ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 12% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €326k
Fixed assets
€321k ▼ 6.1%
Current assets
€5k ▼ 13.3%
Equity and liabilities €326k
Equity
€105k ▲ 13.4%
Debt
€221k ▼ 13.4%
Debt's share of the balance-sheet total falls from 73.3% to 67.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€44k▲
2024 · €42k
Cash flow
€33k▲
2024 · €32k
Current ratio
0.04▼
2024 · 0.05
Debt to equity
2.10▼
2024 · 2.75
ROE
11.8%▲
2024 · 10.4%
ROA
3.8%▲
2024 · 2.8%
Interest coverage
7.58▲
2024 · 5.83
Debt ≤ 1 year
€108k▲
2024 · €106k
Debt > 1 year
€112k▼
2024 · €148k
Income taxes
€5k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€348k€326k▼
Fixed assets21/28€342k€321k▼
Tangible fixed assets22/27€342k€321k▼
Land and buildings22€313k€299k▼
Plant, machinery and equipment23€20k€14k▼
Furniture and vehicles24€10k€9k▼
Current assets29/58€5k€5k▼
Cash at bank and in hand54/58€2k€993▼
Deferred charges and accrued income490/1€4k€4k=
Equity and liabilities
Total equity and liabilities10/49€348k€326k▼
Equity10/15€93k€105k▲
Contributions10/11€10k€10k=
Profit (loss) carried forward14€83k€95k▲
Amounts payable17/49€255k€221k▼
Amounts payable after more than one year17€148k€112k▼
Financial debts170/4€148k€112k▼
Amounts payable within one year42/48€106k€108k▲
Current portion of amounts payable after more than one year42€35k€36k▲
Trade debts44€317€465▲
Suppliers440/4€317€465▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€66k€66k▼
Accrued charges and deferred income492/3€950€893▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€1k€387▼
Gross operating margin9900€43k€44k▲
Operating profit (loss)9901€20k€23k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€13k€17k▲
Income taxes67/77€4k€5k▲
Profit (loss) for the period9904€10k€12k▲
Profit (loss) for the period to be appropriated9905€10k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€83k€95k▲
Profit (loss) brought forward from the previous period14P€73k€83k▲
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Equity above €100kEq €105k ▲13.4%
7 profitable years in a row build equity to €105k.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €10k ▼27.2%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €13k ▲8.4%
Net result €13k, the highest in the series.
2022
02-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2021
16-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2020
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 29 days late
2019
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2018
30-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2016
19-10
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are 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, Liège · 1 establishment unit since 2013
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Quai de Coronmeuse 344000 LiègeGround area
9,901 m²
Building footprint
5,545 m²
Volume, LiDAR
49,849 m³
2 parcels, Wallonia · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CREATIVE IMMOBILIERE
since 20132.217.746.137
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62810B0193/00X000 | Wallonia | 9,709 m² | 1 · 5,417 m² | 17.3 m · 3 fl. |
| 63072H0601/00S002 | Wallonia | 192 m² | 1 · 128 m² | 14.3 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
C.L.H.
BE 0673.546.224
Elsene · Eq €105,221
LE PARCOURS DU PROPRIETAIRE
BE 0783.431.188
Wavre · Eq €105,287
De Meersstraat
BE 0782.569.274
Kortrijk · Eq €105,436
C&P
BE 0735.926.033
Antwerpen · Eq €105,022
IMMOBILIERE ET FINANCIERE DU BOLAND
BE 0446.469.323
Herstal · Eq €105,566
Of 9,140 companies in sector 68201 we hold annual accounts for 6,769. 4,233 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-12-2012
Fiscal year end31-03
Activities, NACEBEL 2025
68201Renting and operating of own or leased residential real estate, excluding social housing
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.