LD CREATIONS
ActiveLD CREATIONS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €127k and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 50% of 36375 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability43▼-57
Solvency71▲+6
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 4.33 against 4.69 in 2023; short-term debt: 16.9% and cash: 15.5% of total assets), but 53.8% 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 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
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €127k
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-08-2025, 30 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 filingsDeviation from the deadline
2025
not confirmed
2024
30 d late
2023
30 d late
2022
7 d late
2021
17 d late
2020
117 d late
2019
24 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€127k▲ 2.8%
2023 · €124k
2018: €14k
2019: €1k
2020: €-19k
2021: €5k
2022: €19k
2023: €124k
2018 → 2024
Total assets
€275k▼ 11.9%
2023 · €312k
2018: €215k
2019: €173k
2020: €239k
2021: €317k
2022: €186k
2023: €312k
2018 → 2024
Net result
€3k▼ 96.7%
2023 · €105k
2018: €28k
2019: €-12k
2020: €-24k
2021: €24k
2022: €14k
2023: €105k
2018 → 2024
Working capital
€155k▼ 10.5%
2023 · €173k
2018: €49k
2019: €40k
2020: €-8k
2021: €37k
2022: €51k
2023: €173k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€-19k-€5k€19k▲ 253%€124k▲ 545%€127k▲ 2.8%
Operating result€30k-€21k▼ 31.0%€34k▲ 63.5%€147k▲ 338%€32k▼ 78.4%
Net result€-24k-€24k€14k▼ 43.3%€105k▲ 661%€3k▼ 96.7%
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 2024; 2024 is 78% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €275k
Fixed assets
€74k▼ 20.2%
Current assets
€201k▼ 8.4%
Equity and liabilities €275k
Equity
€127k▲ 2.8%
Debt
€148k▼ 21.5%
The debt ratio falls from 60.4% to 53.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2023 · €169k
Cash flow
€23k▼
2023 · €127k
Solvency
46.2%▲
2023 · 39.6%
Current ratio
4.33▼
2023 · 4.69
Quick ratio
4.14▼
2023 · 4.44
Debt / equity
1.16▼
2023 · 1.52
ROE
2.7%▼
2023 · 84.5%
ROA
1.2%▼
2023 · 33.5%
Interest coverage
2.70▼
2023 · 15.19
Debt
€148k▼
2023 · €189k
Debt ≤ 1 year
€47k▼
2023 · €47k
Debt > 1 year
€101k▼
2023 · €116k
Income taxes
€11k▼
2023 · €32k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€312k€275k▼
Fixed assets21/28€92k€74k▼
Tangible fixed assets22/27€90k€71k▼
Land and buildings22€63k€53k▼
Plant, machinery and equipment23€18k€12k▼
Furniture and vehicles24€9k€6k▼
Financial fixed assets28€3k€3k=
Current assets29/58€220k€201k▼
Stocks and contracts in progress3€12k€9k▼
Stocks30/36€12k€9k▼
Amounts receivable within one year40/41€126k€110k▼
Trade receivables40€77k€90k▲
Other amounts receivable41€49k€20k▼
Cash at bank and in hand54/58€18k€43k▲
Deferred charges and accrued income490/1€63k€40k▼
Equity and liabilities
Total equity and liabilities10/49€312k€275k▼
Equity10/15€124k€127k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€103k€107k▲
Amounts payable17/49€189k€148k▼
Amounts payable after more than one year17€116k€101k▼
Financial debts170/4€116k€101k▼
Amounts payable within one year42/48€47k€47k▼
Current portion of amounts payable after more than one year42€13k€14k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€27k€28k▲
Suppliers440/4€27k€28k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€894▼
Remuneration and social security454/9-€1k
Other amounts payable47/48€714€773▲
Accrued charges and deferred income492/3€26k-
Income statement
Code20232024
Non-recurring operating income76A-€19
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€20k▼
Other operating charges640/8€12k€5k▼
Gross operating margin9900€181k€56k▼
Operating profit (loss)9901€147k€32k▼
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€11k€19k▲
Recurring financial charges65€11k€19k▲
Profit (loss) for the period before taxes9903€137k€14k▼
Income taxes67/77€32k€11k▼
Profit (loss) for the period9904€105k€3k▼
Profit (loss) for the period to be appropriated9905€105k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€103k€107k▲
Profit (loss) brought forward from the previous period14P€-1k€103k▲
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
2025
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €105k ▲661%
Operating result €147k, net result €105k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲545%
3 profitable years in a row build equity to €124k.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
2022
17-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-12
Financial
Back to profitnet €24k
Net result €24k after 2 loss-making years.
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 117 days late
2020
31-12
Financial
Weakest financial yearnet €-24k
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
08-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
10-07
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waterloo · 1 establishment unit since 2009
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.
Avenue Claire 541410 WaterlooGround area
378 m²
Building footprint
140 m²
Parcel 25763K0727/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
LD CREATIONS
since 20092.183.668.057
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763K0727/00_000 | Wallonia | 378 m² | 1 · 140 m² | - |
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.
Similar companies · same sector, comparable size
WIM TENIERS
BE 0471.525.314
Rotselaar · Eq €127k
Vloerwerken Tanghe Alexander
BE 1005.635.424
Nieuwpoort · Eq €127k
TOTAL STONE CONCEPTS
BE 0754.739.083
Zonhoven · Eq €127k
TOPTILE
BE 0690.660.982
Diest · Eq €128k
Kurt De Scheerder
BE 0842.040.865
Oudenaarde · Eq €128k
Of 3,962 companies in sector 43331 we hold annual accounts for 1,791. 1,502 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded17-12-2009
Fiscal year end31-12
Activities, NACEBEL
43331Floor and wall tiling
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.