CREATOPIA
ActiveCREATOPIA has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €2k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 17932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
71
/ 100
Healthy▼ -20 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability24▼-47
Solvency99▲+1
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 2.71 against 2.56 in 2024), and 36.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
63.1%
Return on assets
3%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 9 filingsDeviation from the deadline
2025
17 d late
2024
1 d early
2023
on the day
2022
13 d early
2021
18 d early
2020
31 d late
2019
2 d early
← 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
11-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 4.9%
2024 · €45k
2018: €11k
2019: €8k
2020: €19k
2021: €27k
2022: €35k
2023: €38k
2024: €45k
2018 → 2025
Total assets
€74k▲ 0.4%
2024 · €74k
2018: €86k
2019: €66k
2020: €72k
2021: €66k
2022: €66k
2023: €71k
2024: €74k
2018 → 2025
Net result
€2k▼ 65.1%
2024 · €6k
2018: €6k
2019: €-3k
2020: €10k
2021: €8k
2022: €8k
2023: €4k
2024: €6k
2018 → 2025
Working capital
€47k▲ 3.8%
2024 · €45k
2018: €29k
2019: €23k
2020: €30k
2021: €31k
2022: €39k
2023: €40k
2024: €45k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€35k▲ 29.5%€38k▲ 9.3%€45k▲ 16.5%€47k▲ 4.9%
Operating result€13k-€12k▼ 10.7%€7k▼ 39.0%€9k▲ 19.4%€3k▼ 66.5%
Net result€8k-€8k▼ 3.6%€4k▼ 46.6%€6k▲ 48.6%€2k▼ 65.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €74k
Fixed assets
€5▼ 70.9%
Current assets
€74k▲ 0.4%
Equity and liabilities €74k
Equity
€47k▲ 4.9%
Debt
€27k▼ 6.6%
The debt ratio falls from 39.7% to 36.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€3k▼
2024 · €9k
Cash flow
€2k▼
2024 · €7k
Solvency
63.1%▲
2024 · 60.3%
Current ratio
2.71▲
2024 · 2.56
Quick ratio
0.17▲
2024 · 0.12
Debt / equity
0.59▼
2024 · 0.66
ROE
4.7%▼
2024 · 14.2%
ROA
3.0%▼
2024 · 8.5%
Interest coverage
1.85▼
2024 · 6.18
Debt
€27k▼
2024 · €29k
Debt ≤ 1 year
€27k▼
2024 · €29k
Income taxes
€-838▼
2024 · €1k
Staff costs
€16k▲
2024 · €15k
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€74k€74k▲
Fixed assets21/28€18€5▼
Intangible fixed assets21€1€1=
Tangible fixed assets22/27€17€4▼
Other tangible fixed assets26€17€4▼
Current assets29/58€74k€74k▲
Stocks and contracts in progress3€70k€70k▼
Stocks30/36€70k€70k▼
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€74k€74k▲
Equity10/15€45k€47k▲
Contributions10/11€6k€6k=
Reserves13€11k€13k▲
Non-distributable reserves130/1€250€250=
Reserves not available under the articles1311€250€250=
Distributable reserves133€11k€13k▲
Profit (loss) carried forward14€28k€28k=
Amounts payable17/49€29k€27k▼
Amounts payable after more than one year17€500-
Financial debts170/4€500-
Amounts payable within one year42/48€29k€27k▼
Financial debts43€373€382▲
Credit institutions430/8€373€382▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€9k€10k▲
Taxes450/3€6k€6k▼
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€12k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€15k€16k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€208€13▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€516€286▼
Other operating charges640/8€688€591▼
Gross operating margin9900€25k€20k▼
Operating profit (loss)9901€9k€3k▼
Financial income75/76B€48€30▼
Recurring financial income75€48€30▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€7k€1k▼
Income taxes67/77€1k€-838▼
Profit (loss) for the period9904€6k€2k▼
Profit (loss) for the period to be appropriated9905€6k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€30k▼
Profit (loss) brought forward from the previous period14P€28k€28k▲
Transfer to equity691/2€6k€2k▼
To other reserves6921€6k€2k▼
The notes to these accounts (5 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-3k ▼144%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Nandrin · 1 establishment unit since 2017
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.
Route du Condroz 127/34550 NandrinGround area
953 m²
Parcel 61043A0041/00T000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CREATOPIA
since 20172.258.191.078
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61043A0041/00T000indicative | Wallonia | 953 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 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, comparable size
CKA
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MILONO
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CAROLINE MEYERS
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LIBRAIRIE DES HALLES
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Of 2,320 companies in sector 47621 we hold annual accounts for 1,237. 1,086 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-11-2016
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
47784Retail sale of souvenirs and religious articles
47786Retail trade
47521Retail sale of hardware, building materials, paint and glass (general range)
47559Retail sale of other household articles
47599Retail trade
47715Retail trade
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.