CREATIVE SOLUTION
ActiveSummary
CREATIVE SOLUTION has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€12,260) and a net result of -€368. Its solvency ranks better than 12% of 14173 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▲+60
Solvency12▼-2
Growth58
Track record82
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.14; short-term debt: 112.7% and cash: 0.6% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
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
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
-12.7%
Return on assets
-0.4%
Age of the figures
9 mo
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
2425
2024 to 2025 · latest year -€12,260
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
13 d late
2024
39 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 2 accounts on average 26 days after the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
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
26-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€165,191
EBIT margin
0.1%
Net result
-€368▲ 97.5%
2024 · -€14,892
Working capital
-€93,660
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20242025
Turnover€165,191
Operating result-€14,829-€121
Net result-€14,892--€368▲ 97.5%
EBIT margin0.1%
Equity-€11,892--€12,260▼ 3.1%
Total assets€109,741-€96,666▼ 11.9%
Debt€121,633-€108,926▼ 10.4%
Working capital-€93,660
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €121 after a loss of €14,829 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96,666
Fixed assets
€81,400 ▼ 11.9%
Current assets
€15,266 ▼ 11.9%
Key figures and ratios
EBITDA
€14,063
Cash flow
€13,574
Solvency
-12.7%▼
2024 · -10.8%
Current ratio
0.14
Debt to equity
-8.88▲
2024 · -10.23
ROA
-0.4%▲
2024 · -13.6%
Interest coverage
22.01
Debt ≤ 1 year
€108,926
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Turnover70 | - | €165,191 | - |
| Goods, raw materials, services and sundry goods60/61 | - | €149,972 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | - | €13,942 | - |
| Other operating charges640/8 | €515 | €686 | ▲ 33.1% |
| Non-recurring operating charges66A | - | €470 | - |
| Gross operating margin9900 | -€14,314 | €15,219 | ▲ 206% |
| Operating profit (loss)9901 | -€14,829 | €121 | ▲ 101% |
| Financial income75/76B | - | €150 | - |
| Recurring financial income75 | - | €150 | - |
| Financial charges65/66B | €63 | €639 | ▲ 918% |
| Recurring financial charges65 | €63 | €639 | ▲ 918% |
| Profit (loss) for the period before taxes9903 | -€14,892 | -€368 | ▲ 97.5% |
| Profit (loss) for the period9904 | -€14,892 | -€368 | ▲ 97.5% |
| Profit (loss) for the period to be appropriated9905 | -€14,892 | -€368 | ▲ 97.5% |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Assets | |||
| Total assets20/58 | €109,741 | €96,666 | ▼ 11.9% |
| Fixed assets21/28 | €92,422 | €81,400 | ▼ 11.9% |
| Intangible fixed assets21 | €1,897 | €1,517 | ▼ 20.0% |
| Tangible fixed assets22/27 | €90,525 | €79,883 | ▼ 11.8% |
| Plant, machinery and equipment23 | €84,323 | €70,144 | ▼ 16.8% |
| Furniture and vehicles24 | €6,202 | €9,739 | ▲ 57.0% |
| Current assets29/58 | €17,320 | €15,266 | ▼ 11.9% |
| Amounts receivable within one year40/41 | €17,272 | €13,932 | ▼ 19.3% |
| Trade receivables40 | €650 | €6,996 | ▲ 976% |
| Other amounts receivable41 | €16,622 | €6,936 | ▼ 58.3% |
| Cash at bank and in hand54/58 | €48 | €614 | ▲ 1,180% |
| Deferred charges and accrued income490/1 | - | €720 | - |
| Equity and liabilities | |||
| Total equity and liabilities10/49 | €109,741 | €96,666 | ▼ 11.9% |
| Equity10/15 | -€11,892 | -€12,260 | ▼ 3.1% |
| Contributions10/11 | €3,000 | €3,000 | = |
| Capital10 | €3,000 | - | - |
| Issued capital100 | €3,000 | - | - |
| Profit (loss) carried forward14 | -€14,892 | -€15,260 | ▼ 2.5% |
| Amounts payable17/49 | €121,633 | €108,926 | ▼ 10.4% |
| Amounts payable within one year42/48 | - | €108,926 | - |
| Financial debts43 | - | €6,096 | - |
| Credit institutions430/8 | - | €6,096 | - |
| Trade debts44 | - | €22,091 | - |
| Suppliers440/4 | - | €12,189 | - |
| Bills of exchange payable441 | - | €9,902 | - |
| Taxes, remuneration and social security45 | - | €9,638 | - |
| Taxes450/3 | - | €9,638 | - |
| Other amounts payable47/48 | - | €71,101 | - |
| Accrued charges and deferred income492/3 | €121,633 | - | - |
| Line | 2024 | 2025 | Change |
|---|---|---|---|
| Profit (loss) for the period9904 | -€14,892 | -€368 | ▲ 97.5% |
| + Depreciation and write-downs630 | - | €13,942 | - |
| Operating cash flow (approximation) | -€14,892 | €13,574 | ▲ 191% |
| Investment in fixed assets (approximation) | - | -€2,920 | - |
| Change in cash | - | €566 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
08-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 39 days late
NBB filing
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 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, Namur · 1 establishment unit since 2024
Ground area
3,995 m²
Building footprint
278 m²
Parcel 92082C0259/00R000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CREATIVE SOLUTION
since 20242.365.576.117
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92082C0259/00R000 | Wallonia | 3,995 m² | 1 · 278 m² | - |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector and region
AGENAM
BE 0872.453.038
Namur
AUXILIANS
BE 0652.867.408
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CF CONSULTING
BE 0683.729.442
Namur
DE ROOS IMMO
BE 1001.458.088
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Entre-Nous
BE 0888.155.754
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 9,698 companies in sector 68121 we hold annual accounts for 7,385. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded07-06-2024
Fiscal year end31-12
Activities, NACEBEL 2025
68121Development of residential building projects
43223Specialised construction activities
43240Other construction installation
43350Other building finishing work
Contact
E-mail
info@creativesolution.be
Phone
+32498212729
Scores and ratios are computed by Checked and are not a credit decision.