MR Creative Construction

Active

Private limited companyfounded 20214 yrs activeKarel Gilsonstraat 12 A, 1601 Sint-Pieters-Leeuw, BelgiumKBO/BCE: BE 0775.871.722

The computed 12-month bankruptcy probability of MR Creative Construction is 2.0% (moderate). The 2025 annual accounts show equity of €15k and a net result of €4k. Its solvency ranks better than 14% of 7431 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

37 / 100

Weak

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability40▼-17

Solvency29▲+5

Growth52

Track record94

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days only on tighter terms

Liquidity tight (current ratio 1.04 against 0.99 in 2023; short-term debt: 96% and cash: 5.8% of total assets), and 96% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

Return on assets

1.1%

Age of the figures

9 mo

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 7431 sector peers (2025).

NBB · sector comparison

Position among 7431 sector peers

Solvency

better than 14%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

7 d early

2023

99 d late

← before the deadline after the deadline →

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 months

Position in the running window

22-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€15k

2023 · €-2k

2023: €-2k

2023 → 2025

Total assets

€363k▲ 240%

2023 · €107k

2023: €107k

2023 → 2025

Net result

€4k▼ 50.6%

2023 · €8k

2023: €8k

2023 → 2025

Working capital

€14k

2023 · €-2k

2023: €-2k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20232025Trend

Equity€-2k-€15k

Operating result€11k-€6k▼ 50.3%

Net result€8k-€4k▼ 50.6%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result is €6k in 2025, compared with €11k in 2023. Comparable figures for the intervening years are unavailable.

Balance-sheet composition

Assets €363k

99.8%

Fixed assets €875

Current assets €362k

Equity and liabilities €363k

96.0%

Equity €15k

Debt €348k

Debt finances 96.0% of the balance-sheet total.

Key figures and ratios

2025 value · change against 2023

EBITDA

€6k

Cash flow

€5k

Solvency

4.0%▲

2023 · -1.4%

Current ratio

1.04▲

2023 · 0.99

Quick ratio

1.04▲

2023 · 0.99

Debt / equity

23.80▲

2023 · -70.52

ROE

28.1%

ROA

1.1%▼

2023 · 7.8%

Interest coverage

-59.37

Debt

€348k▲

2023 · €108k

Debt ≤ 1 year

€348k▲

2023 · €108k

Income taxes

€1k▼

2023 · €3k

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 2023

Balance sheet Code20232025

Assets

Total assets20/58€107k€363k▲

Fixed assets21/28-€875

Tangible fixed assets22/27-€875

Furniture and vehicles24-€875

Current assets29/58€107k€362k▲

Amounts receivable within one year40/41€102k€341k▲

Trade receivables40€102k€337k▲

Other amounts receivable41€144€4k▲

Cash at bank and in hand54/58€5k€21k▲

Equity and liabilities

Total equity and liabilities10/49€107k€363k▲

Equity10/15€-2k€15k▲

Contributions10/11€3k€3k=

Profit (loss) carried forward14€-5k€12k▲

Amounts payable17/49€108k€348k▲

Amounts payable within one year42/48€108k€348k▲

Trade debts44€90k€327k▲

Suppliers440/4€90k€327k▲

Taxes, remuneration and social security45€15k€6k▼

Taxes450/3€15k€6k▼

Other amounts payable47/48€3k€16k▲

Income statement Code20232025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€438

Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€15k-

Other operating charges640/8€1k€320▼

Gross operating margin9900€27k€6k▼

Operating profit (loss)9901€11k€6k▼

Financial charges65/66B€247€-100▼

Recurring financial charges65€247€-100▼

Profit (loss) for the period before taxes9903€11k€6k▼

Income taxes67/77€3k€1k▼

Profit (loss) for the period9904€8k€4k▼

Profit (loss) for the period to be appropriated9905€8k€4k▼

Appropriation of the result

Profit (loss) to be appropriated9906€-5k€12k▲

Profit (loss) brought forward from the previous period14P€-13k€8k▲

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 2Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

24-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2024

07-11

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 99 days late

NBB filing

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, Sint-Pieters-Leeuw

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.

Karel Gilsonstraat 12 A1601 Sint-Pieters-Leeuw

Ground area

221 m²

Building footprint

179 m²

Volume, LiDAR

1,981 m³

Parcel 23069A0306/00Z000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
23069A0306/00Z000	Flanders	221 m²	1 · 179 m²	13.9 m · 4 fl.

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

Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 10,610 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded18-10-2021

Fiscal year end31-12

Activities, NACEBEL

41001General construction of residential buildings

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.