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E & M CREATIES

Active
Private limited companyfounded 198937 yrs activeBetferkerklaan 123, 8200 Brugge, BelgiumKBO/BCE: BE 0438.540.760
Summary

E & M CREATIES has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €715,316 and a net result of €346,612. Equity is shrinking by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 15312 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Risk analysisWatch ReportCompare
E & M CREATIESActiveChecked score 99/100
Risk analysis ReportCompare

Overview

What they do
Renting and operating of own or leased non-residential real estate, excluding land
NACE 68203
1 site
How big
€915,895total assets 2025
Equity
€715,316
Profit
€346,612
Turnover not published (abridged schema)
Financially healthy?
99 Excellent Checked score 2025
Bankruptcy chance 12 m
0.1%
Who decides
Accounts filed 31 d late0 of 5 deeds read
Why 99- 1 change of registered office in 24 months- Latest accounts 31 days late; 1 of the last 3 late+ Liquidity: current ratio 3.76, cash €665,779+ Equity €715,316 (78.1% of total assets)Show the evidence

Checked score

Score 2025
99 / 100
Excellent
Probability in this band: under 0.55%
Better than 92% of its sector peers (NACE 68, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 100=
equity 78.1% of total assets
Liquidity 93+19
short-term debt 21.8% · cash 72.7%
Profitability 100+30
return on assets 37.8%
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.3% (26,331 companies)
Last 24 months 11-2024: 0.1%lowest value 12-2024: 0.1%● 0.0% vs 11-2024lowest value 01-2025: 0.1%● 0.0% vs 12-2024lowest value 02-2025: 0.1%● 0.0% vs 01-2025lowest value 03-2025: 0.1%● 0.0% vs 02-2025lowest value 04-2025: 0.1%▲ +8.0% vs 03-2025 05-2025: 0.1%▲ +11.1% vs 04-2025 06-2025: 0.1%▲ +13.3% vs 05-2025 07-2025: 0.1%▲ +20.6% vs 06-2025 08-2025: 0.1%▲ +75.6% vs 07-2025 09-2025: 0.2%▲ +26.4% vs 08-2025 10-2025: 0.1%▼ -53.3% vs 09-2025 11-2025: 0.1%● 0.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -3.5% vs 12-2025 02-2026: 0.1%● 0.0% vs 01-2026 03-2026: 0.1%● 0.0% vs 02-2026 04-2026: 0.1%▲ +4.9% vs 03-2026 05-2026: 0.1%▲ +9.3% vs 04-2026 06-2026: 0.1%▲ +12.8% vs 05-2026 07-2026: 0.1%▲ +10.4% vs 06-2026 08-2026: 0.2%▲ +69.2% vs 07-2026highest value 09-2026: 0.1%▼ -70.7% vs 08-2026 10-2026: 0.1%● 0.0% vs 09-2026
  • 1 change of registered office in 24 months raises the probability
  • Liquidity: current ratio 3.76, cash €665,779 lowers the probability
  • Equity €715,316 (78.1% of total assets) lowers the probability
  • Latest accounts 31 days late; 1 of the last 3 late raises the probability
Credit up to €70,000 at 30 days acceptable
Liquidity ample (current ratio 3.76 against 52.16 in 2024; short-term debt: 21.8% and cash: 72.7% of total assets), and 21.9% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

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%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 68, micro). Better than this share of them on solvency 91%, liquidity 92%, profitability 95%, growth against the median 91%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610020317, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · 1 change of registered office in 24 months
In the bankruptcy model this factor raises the probability.
Belgian State Gazette
lowers risk · Liquidity: current ratio 3.76, cash €665,779
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Equity €715,316 (78.1% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Latest accounts 31 days late; 1 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €715,316
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filings
Deviation from the deadline
2025
31 d late
2024
29 d late
2023
on the day
2022
29 d late
2021
27 d late
2020
31 d late
2019
31 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 17 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. Usually files around 29 August (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Highest result since 2018net €346,612 ▲6,661%
  3. Equity above €500,000Eq €715,316 ▲94%

Key points

  • Positive: Result rose in 2025from €5,127 to €346,612 ▲ 6,661% View
  • Positive: Among the best 5% on net resultsector median €5,673 · 15,308 companies €346,612 View
  • Active since 1989founded 01-10-1989 37 years View

By topic

Financials

Fiscal year
2025
Total assets
€915,895
Profit
€346,612
Solvency
78.1%
Total assets▲ 147%
Net result
20182025
Go to Financials

Timeline

Events
18
Since
2017
Next accounts
by 31-07-2027
  1. 31-08-2026Annual accounts filed
  2. 31-12-2025Highest result since 2018
  3. 31-12-2025Equity above €500,000
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Renting and operating of own or leased non-residential…NACE 68203
Founded
01-10-1989
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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