Creative Soft & Immo
ActiveCreative Soft & Immo has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €138k and a net result of €-93k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 57% of 27676 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
45
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-58
Solvency79▼-21
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.64 against 1.16 in 2024; short-term debt: 46% and cash: 0.1% of total assets), and 46.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
53.6%
Return on assets
-36.1%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
18192022232425
2018 to 2025 · latest year €-93k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
20 d late
2023
12 d late
2022
66 d late
2020
132 d late
2019
87 d late
2018
30 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-93k▼ 255%
2024 · €-26k
2018: €31k
2019: €-14k
2020: €-42k
2022: €27k
2023: €58k
2024: €-26k
2018 → 2025
Working capital
€-43k
2024 · €10k
2018: €7k
2019: €-32k
2020: €-79k
2022: €-49k
2023: €-12k
2024: €10k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€89k-€199k▲ 123%€258k▲ 29.2%€231k▼ 10.2%€138k▼ 40.2%
Operating result€-36k-€40k€83k▲ 109%€-23k€-92k▼ 297%
Net result€-42k-€27k€58k▲ 117%€-26k€-93k▼ 255%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €92k in 2025 against €23k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €258k
Fixed assets
€182k▼ 18.1%
Current assets
€76k▲ 2.5%
Equity and liabilities €258k
Equity
€138k▼ 40.2%
Debt
€120k▲ 84.0%
The debt ratio rises from 22.0% to 46.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-50k▼
2024 · €22k
Cash flow
€-51k▼
2024 · €19k
Solvency
53.6%▼
2024 · 78.0%
Current ratio
0.64▼
2024 · 1.16
Quick ratio
0.64▼
2024 · 1.16
Debt / equity
0.87▲
2024 · 0.28
ROE
-67.3%▼
2024 · -11.3%
ROA
-36.1%▼
2024 · -8.8%
Interest coverage
-56.42▼
2024 · 7.34
Debt
€120k▲
2024 · €65k
Debt ≤ 1 year
€119k▲
2024 · €64k
Income taxes
€641▲
2024 · €312
Staff costs
€92k▲
2024 · €80k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€297k€258k▼
Fixed assets21/28€222k€182k▼
Tangible fixed assets22/27€222k€182k▼
Land and buildings22€134k€119k▼
Plant, machinery and equipment23€7k€5k▼
Furniture and vehicles24€49k€32k▼
Other tangible fixed assets26€33k€27k▼
Financial fixed assets28€80€80=
Current assets29/58€74k€76k▲
Amounts receivable within one year40/41€61k€74k▲
Trade receivables40€20k€38k▲
Other amounts receivable41€41k€36k▼
Current investments50/53€147€158▲
Cash at bank and in hand54/58€10k€174▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€297k€258k▼
Equity10/15€231k€138k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€209k€116k▼
Amounts payable17/49€65k€120k▲
Amounts payable within one year42/48€64k€119k▲
Financial debts43-€16k
Credit institutions430/8-€16k
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€39k€24k▼
Taxes450/3€22k€7k▼
Remuneration and social security454/9€17k€17k▲
Other amounts payable47/48€23k€77k▲
Accrued charges and deferred income492/3€988€988=
Income statement
Code20242025
Non-recurring operating income76A€68k-
Remuneration, social security and pensions62€80k€92k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€42k▼
Other operating charges640/8€12k€9k▼
Gross operating margin9900€113k€52k▼
Operating profit (loss)9901€-23k€-92k▼
Financial income75/76B€154€27▼
Recurring financial income75€154€27▼
Financial charges65/66B€3k€879▼
Recurring financial charges65€3k€879▼
Profit (loss) for the period before taxes9903€-26k€-93k▼
Income taxes67/77€312€641▲
Profit (loss) for the period9904€-26k€-93k▼
Profit (loss) for the period to be appropriated9905€-26k€-93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€209k€116k▼
Profit (loss) brought forward from the previous period14P€236k€209k▼
The notes to these accounts (8 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
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-93k
Net result drops to €-93k, the lowest in the series.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 12 days late
2023
31-12
Financial
Highest result since 2018net €58k ▲117%
Operating result €83k, net result €58k, both a record.
31-12
Financial
Equity above €200kEq €258k ▲29.2%
2 profitable years in a row build equity to €258k.
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after 2 loss-making years.
31-12
Financial
Equity above €150kEq €199k ▲123%
Equity rises from €89k to €199k.
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 132 days late
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 29 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Braine-le-Château · 1 establishment unit since 1999
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.
Rue Robert Ledecq(W-B) 15B1440 Braine-le-ChâteauGround area
1,923 m²
Building footprint
906 m²
Volume, LiDAR
3,399 m³
Parcel 25111A0681/02T003, Wallonia · tallest building 6.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CREATIVE SOFT & IMMO
since 19992.093.505.072
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25111A0681/02T003 | Wallonia | 1,923 m² | 1 · 905 m² | 6.2 m · 1 fl. |
Linked by address, not proof of ownership
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.
Recognitions · licences · registrations
Recognised contractor
2 categoriesCreative Soft & Immo SRL46562
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 1,923 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-10-1999
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
43990Other specialised construction activities
43995Specialised construction activities
72220
43211General electrical installation work
43221Plumbing work
43222Installation of electric heating, air conditioning, cooling and ventilation
43320Joinery installation
43331Floor and wall tiling
43910Bricklaying and masonry work
43994Specialised construction activities
43999Specialised construction activities
62010Computer programming, consultancy and related activities
62100Computer programming
68310Real estate agency activities
68311Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:0477/252.008