Equity
€138,329 from €257,678 in 2023
Equity fell by 46% in 2 years.
Creative Soft & Immo
Lifetime
19 annual accounts with figures on one time axis, 25 filings since 2000peak €214,500 (2023)
€51,538▼ 54.4%
lowest -€93,141 (2025)
-€93,141▼ €66,934
peak €257,678 (2023)
€138,329▼ 40.2%
€119,809▲ 84.0%
peak 2.5 FTE (2023)
-not published
Board2 names since 2022
2 directorsDibe Abdlerkarim and 1 other
Owners3 names in the annual accounts
Documentsfilings and deeds
29-07-20262 days before the deadline
2025micro format
Gross margin from €112,900 to €51,538Loss of €93,141Equity from €231,471 to €138,329Debts from €65,111 to €119,809Cash from €10,421 to €174
Key points
from the 2025 annual accountsResult
-€93,141 ▼ 255%
The result fell in 2025 from -€26,208 to -€93,141.
Turnover
≈ €190,000 estimated
The accounts state no turnover.
Liquidity
0.64 was 1.16 in 2024
Short-term debts rose from €64,123 to €118,821.
Filings
25 annual accounts since 2000
Nine of the last ten came late. The 2020 accounts came latest: 132 days after the end of the period.
Position in the sector
-€93,141
Lower net result than 95% of companies in specialised construction. Sector median €10,184 · 35,124 companies.
Checked score
63
Healthy
Financially stronger than 22% of micro companies in specialised construction (NACE 43)
Probability in this band: 0.55% to 1.5%
Bankruptcy probability within 12 months
1.3% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.7% across 47,696 companies (NACE 43, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Financial strengthWeak
Score breakdown
raises risk
Loss of €93,141, the second in a row (financial year 2025)
Liquidity: current ratio 0.64, cash €174, halved
Sector: Specialised construction activities (NACE 43)
lowers risk
Size: total assets €258,138
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 43, micro). It does better than 58% of them on solvency, 16% on liquidity, 4% on profitability and 11% on growth.
The bankruptcy probability was computed on 10-11-2026 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 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, 5,831 companies had the same profile as Creative Soft & Immo has now. Each dot stands for 15 companies, two years later.
84.5%
were still trading
13.4%
stopped another way
1.7%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of Creative Soft & Immo itself: 1.3% 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 5,831 companies, not a prediction for Creative Soft & Immo. 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 €8,000 on 30-day terms, only on tighter conditions: historical bankruptcy publications
Liquidity is insufficient, with a current ratio of 0.64 (1.16 in 2024), below 1. Short-term debt is 46% and cash 0.1% of total assets. 46.4% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Seven signals.
lowers riskraises riskneutral
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 -€93,141
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 days early
2024
20 days late
2023
12 days late
2022
66 days late
2020
132 days late
2019
87 days late
2018
30 days late
← 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 49 days after the deadline. In the sector (NACE 43), the median for financial year 2024 was 1 day before the deadline, and 43% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 August (4 of the last 5 accounts filed within 46 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
11-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
DA
DIBE Abdelkarim
Director
DA
Dibe Abdlerkarim
Manager
- abdlekarim dibe 92%annual accounts 2017
- abdelhakim dibe 1%annual accounts 2017
- moushin dibe 1%annual accounts 2017
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0467116663
Amendment of the articles · Legal-form change · Resignations & appointments
Director in office: DIBE Abdelkarim (sole director) · General meeting of 13-02-2023 · Gazette deed
200 shares
Dibe Abdelkarim holds 150 shares · Dibe Mounia holds 10 shares · Dibe Hanane holds 10 shares · General meeting of 28-03-2022 · Gazette deed
Resignations & appointments
Partner: Dibe Abdelhakim (associé actif) · General meeting of 28-03-2018 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Creative Soft & Immo Braine-le-Château | €258,138 | €51,538 | 53.6% | - |
| ORBAN CLEANER Etterbeek | €262,210 | €52,961 | 31.0% | 1 |
| VAN DER TRAPPEN Kapelle-op-den-Bos | €228,734 | €59,472 | 27.3% | 0.5 |
| VAN PRAET WALTER Londerzeel | €210,269 | €53,813 | 38.4% | - |
| EURO PROMO SERVICE Herk-de-Stad | €312,037 | €58,413 | 74.4% | - |
| EURO CREA Waterloo | €218,373 | €54,239 | 57.6% | - |
| PHILIPPE PATTE Genappe | €230,924 | €69,501 | 70.5% | - |
These companies have the same main activity as Creative Soft & Immo: other building finishing work (NACE 43350). They are comparable in size and age: total assets between €210,000 and €312,000, founded between 1992 and 2005.
Official details
Source: KBO- Status
- Active since 22-10-1999Normal situation
- Activity
- Other building finishing workNACE 43350and 9 others
- Joint committees
- 124Construction
- 200Auxiliary committee for white-collar workers · annual accounts 2025
- Establishment unit
- 2.093.505.0721440 Braine-le-Château, since 22-12-1999
- Financial year end
- 31 December
- Peppol
- Reachable since 11-12-2025
Annual accounts 2025
- €258,138▼ 13.0%
- Employeeson 31-12-2025
- 3=
- Filing
- Filed on 29-07-2026, 2 days before the end of the filing period
Insights on Creative Soft & Immo
Creative Soft & Immo files the micro format. That format states no turnover. The gross margin rose from €1,624 in 2006 to €51,538 in 2025.
The balance sheet grew most from 2011 to 2013 through fixed assets.
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 Soft & Immo
- What is the company number of Creative Soft & Immo?
- The company number of Creative Soft & Immo is 0467.116.663. The VAT number is the same number with BE in front: BE 0467.116.663.
- Where is Creative Soft & Immo based?
- The registered office is at Rue Robert Ledecq (W-B) 15B, 1440 Braine-le-Château.Company details
- What does Creative Soft & Immo do?
- According to the KBO register, the main activity is other building finishing work (NACE 43350).
- What is the legal form of Creative Soft & Immo?
- Creative Soft & Immo is a private limited company (BV).
- When was Creative Soft & Immo founded?
- Creative Soft & Immo was founded on 22-10-1999.
- Is Creative Soft & Immo still active?
- Yes, Creative Soft & Immo is an active enterprise in the KBO register.
- How many employees does Creative Soft & Immo have?
- Creative Soft & Immo had an average of 2 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- Which joint committee does Creative Soft & Immo fall under?
- In its 2025 annual accounts, Creative Soft & Immo states joint committees 124 (Construction) and 200 (Auxiliary committee for white-collar workers).
- What is the turnover of Creative Soft & Immo?
- The turnover in financial year 2025 is ≈ €190,000. This figure is estimated from the gross margin of €51,538 and 89 comparable companies (NACE 433). It probably lies between €130,000 and €330,000.
- Is Creative Soft & Immo profitable?
- In financial year 2025, Creative Soft & Immo made a loss of €93,141.
- Where can I find the annual accounts of Creative Soft & Immo?
- Creative Soft & Immo filed 25 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Creative Soft & Immo due?
- Creative Soft & Immo must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can trust this company with building work.Contractor check Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark
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