Debts
€1.3m 79% of the balance sheet
Financial debts 49%Suppliers 38%Taxes and wages 7%Other 6%
Of this, €802,715 falls due within a year.
CREATIVE INTERIOR DEVELOPMENT
Lifetime
19 annual accounts with figures on one time axis, 21 filings since 2005peak €653,053 (2018)
€523,515▲ 9.0%
lowest -€3,518 (2012)
€22,207▲ 69.9%
peak €342,384 (2025)
€342,384▲ 6.9%
€1.3m▲ 33.7%
peak 15.9 FTE (2015)
6.4 FTE
Board2 names since 2019
1 directorRudy Vankrunkelsven
Documentsfilings and deeds
18-06-202649 days late
2025financial year
Result from €13,071 to €22,207Debts from €957,362 to €1.3m
Key points
from the 2025 annual accountsStaff
6.4 FTE from 15.9 in 2015
Between 2015 and 2025, 60% of the full-time equivalents disappeared.
Payment terms
113 days to suppliers
CREATIVE INTERIOR DEVELOPMENT pays its suppliers 73 days later than in 2024. Customers pay 34 days later.
2025 accounts filed 49 days after the deadline
Checked score
68
Healthy
Financially stronger than 42% of micro companies in retail trade (NACE 47)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
0.8% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.6% across 40,275 companies (NACE 47, micro).
About 8 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 1.4%
01-2025: 1.4%● unchanged vs 12-2024
02-2025: 1.4%● unchanged vs 01-2025
03-2025: 1.3%▼ -0.1 percentage points vs 02-2025
04-2025: 1.5%▲ +0.2 percentage points vs 03-2025
05-2025: 2.2%▲ +0.7 percentage points vs 04-2025
06-2025: 2.6%▲ +0.4 percentage points vs 05-2025
07-2025: 3.4%▲ +0.8 percentage points vs 06-2025highest value
08-2025: 0.4%▼ -3.0 percentage points vs 07-2025
09-2025: 0.4%● unchanged vs 08-2025
10-2025: 0.4%● unchanged vs 09-2025
11-2025: 0.4%● unchanged vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026lowest value
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.6%▲ +0.2 percentage points vs 04-2026
06-2026: 0.7%▲ +0.1 percentage points vs 05-2026
07-2026: 0.6%▼ -0.1 percentage points vs 06-2026
08-2026: 0.7%▲ +0.1 percentage points vs 07-2026
09-2026: 0.9%▲ +0.2 percentage points vs 08-2026
10-2026: 0.8%▼ -0.1 percentage points vs 09-2026
11-2026: 0.8%● unchanged vs 10-2026
Financial strengthAverage
Score breakdown
raises risk
Last filed accounts filed 49 days late; 3 of the last 3 accounts late
Size: turnover €2.0m, 6.4 FTE, total assets €1.6m
lowers risk
Founded in 1999
Liquidity: current ratio 1.83, cash €292,072
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 47, micro). It does better than 37% of them on solvency, 48% on liquidity, 30% on profitability and 52% on growth.
The bankruptcy probability was computed on 09-11-2026 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 30-09-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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, 3,984 companies had the same profile as CREATIVE INTERIOR DEVELOPMENT has now. Each dot stands for 10 companies, two years later.
96.5%
were still trading
2.3%
stopped another way
1.1%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CREATIVE INTERIOR DEVELOPMENT itself: 0.8% within 12 months.
Test of the method
The method was tested on the 497,447 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 3,984 companies, not a prediction for CREATIVE INTERIOR DEVELOPMENT. 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 €23,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.83 (2.08 in 2024), above the usual 1.5. Short-term debt is 49.5% and cash 18% of total assets. However, 78.9% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 49 days late
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-06-2026, 49 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
49 days late
2024
92 days late
2023
61 days late
2022
31 days late
2021
3 days late
2020
31 days late
2019
42 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 32 days after the deadline. In the sector (NACE 47), the median for financial year 2024 was on the deadline day, and 47% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 30-09-2026 is due by 30-04-2027. Nothing is late today. The company usually files around 18 June (4 of the last 5 accounts filed within 43 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
30-09-2026 year end09-11-2026 today30-04-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0465437771
1 director appointed, 2 reappointments
Reappointments: Jozef Vankrunkelsven and Rudy Vankrunkelsven · Appointment: Rudy Vankrunkelsven (managing director) · General meeting of 25-10-2019 · Gazette deed
Incorporation
published on 09-03-1999 · Gazette deed
First establishment
Ambachtsweg 15, Gingelom
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CREATIVE INTERIOR DEVELOPMENT Gingelom | €1.6m | €523,515 | 21.1% | 6.4 |
| C.A.P.T. Boom | €1.6m | €469,103 | 62.9% | 6.3 |
| XL - KEUKENS Genk | €2.1m | €498,303 | 39.8% | 7.3 |
| JORE Riemst | €1.5m | €534,935 | 17.8% | 5.7 |
| MEUBELEN THOMAS Tessenderlo-Ham | €2.3m | €515,407 | 35.7% | 8.1 |
| DHENDRO Genk | €1.4m | €473,360 | 13.8% | 5.1 |
| AMBERTREE Antwerp | €1.9m | €378,949 | 13.5% | 5.8 |
These companies have the same main activity as CREATIVE INTERIOR DEVELOPMENT: retail sale of household furniture (NACE 47551). They are comparable in size and age: total assets between €1.4m and €2.3m, founded between 1989 and 2006.
Official details
Source: KBO- Status
- Active since 26-02-1999Normal situation
- Activity
- Retail sale of household furnitureNACE 47551and 3 others
- Joint committee
- 126Furnishing and woodworking · annual accounts 30-09-2025
- Establishment unit
- 2.090.267.8463890 Gingelom, since 26-02-1999
- Financial year end
- 30 September
- Peppol
- Reachable since 20-11-2020
Insights on CREATIVE INTERIOR DEVELOPMENT
CREATIVE INTERIOR DEVELOPMENT has existed since 1999. In 2015 the gross margin rose from €68,396 to €570,475 and staff from 0.7 to 15.9 full-time equivalents.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about CREATIVE INTERIOR DEVELOPMENT
- What is the company number of CREATIVE INTERIOR DEVELOPMENT?
- The company number of CREATIVE INTERIOR DEVELOPMENT is 0465.437.771. The VAT number is the same number with BE in front: BE 0465.437.771.
- Where is CREATIVE INTERIOR DEVELOPMENT based?
- The registered office is at Ambachtsweg 15, 3890 Gingelom.Company details
- What does CREATIVE INTERIOR DEVELOPMENT do?
- According to the KBO register, the main activity is retail sale of household furniture (NACE 47551).
- What is the legal form of CREATIVE INTERIOR DEVELOPMENT?
- CREATIVE INTERIOR DEVELOPMENT is a public limited company (NV).
- When was CREATIVE INTERIOR DEVELOPMENT founded?
- CREATIVE INTERIOR DEVELOPMENT was founded on 26-02-1999.
- Is CREATIVE INTERIOR DEVELOPMENT still active?
- Yes, CREATIVE INTERIOR DEVELOPMENT is an active enterprise in the KBO register.
- How many employees does CREATIVE INTERIOR DEVELOPMENT have?
- CREATIVE INTERIOR DEVELOPMENT had an average of 6.4 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does CREATIVE INTERIOR DEVELOPMENT fall under?
- In its 30-09-2025 annual accounts, CREATIVE INTERIOR DEVELOPMENT states joint committee 126 (Furnishing and woodworking).
- What is the turnover of CREATIVE INTERIOR DEVELOPMENT?
- The turnover of CREATIVE INTERIOR DEVELOPMENT was €2.0m in financial year 2025, according to the filed annual accounts.
- Is CREATIVE INTERIOR DEVELOPMENT profitable?
- In financial year 2025, CREATIVE INTERIOR DEVELOPMENT made a profit of €22,207.
- Where can I find the annual accounts of CREATIVE INTERIOR DEVELOPMENT?
- CREATIVE INTERIOR DEVELOPMENT filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CREATIVE INTERIOR DEVELOPMENT due?
- CREATIVE INTERIOR DEVELOPMENT must file the annual accounts for financial year 2026 by 30-04-2027.Timeline
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