SB CREATION
ActiveThe computed 12-month bankruptcy probability of SB CREATION is 4.2% (elevated). The 2025 annual accounts show negative equity (€-69k) and a net result of €26k. Equity is shrinking by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 6% of 794 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
16
/ 100
Critical▲ +1 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency33=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
4.2%
Elevated
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.5 against 0.21 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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
-75.4%
Return on assets
28.5%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 6% of 794 sector peers (2025).
NBB · sector comparisonPosition among 794 sector peers
Solvency
better than 6%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
28 d early
2024
21 d late
2023
30 d late
2022
38 d early
2021
18 d late
2020
36 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-69k▲ 27.4%
2024 · €-95k
2020: €5k
2021: €-8k
2022: €-25k
2023: €-67k
2024: €-95k
2020 → 2025
Total assets
€92k▲ 61.2%
2024 · €57k
2020: €27k
2021: €28k
2022: €59k
2023: €70k
2024: €57k
2020 → 2025
Net result
€26k
2024 · €-28k
2020: €3k
2021: €-13k
2022: €-17k
2023: €-42k
2024: €-28k
2020 → 2025
Working capital
€-81k▲ 32.8%
2024 · €-120k
2020: €4k
2021: €-10k
2022: €-32k
2023: €-102k
2024: €-120k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-8k-€-25k▼ 228%€-67k▼ 171%€-95k▼ 42.5%€-69k▲ 27.4%
Operating result€-12k-€-17k▼ 36.2%€-42k▼ 148%€-28k▲ 33.4%€27k
Net result€-13k-€-17k▼ 36.1%€-42k▼ 146%€-28k▲ 32.6%€26k
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: €27k after a loss of €28k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €92k
Fixed assets
€12k▼ 53.2%
Current assets
€80k▲ 152%
Key figures and ratios
EBITDA
€41k▲
2024 · €-13k
Cash flow
€41k▲
2024 · €-14k
Solvency
-75.4%▲
2024 · -167.5%
Current ratio
0.50▲
2024 · 0.21
Quick ratio
0.45▲
2024 · 0.16
Debt / equity
-2.33▼
2024 · -1.60
ROE
-37.7%▼
2024 · 29.8%
ROA
28.5%▲
2024 · -50.0%
Interest coverage
151.12▲
2024 · -63.93
Debt
€161k▲
2024 · €152k
Debt ≤ 1 year
€161k▲
2024 · €152k
Income taxes
€415▲
2024 · €337
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€57k€92k▲
Fixed assets21/28€25k€12k▼
Tangible fixed assets22/27€25k€12k▼
Furniture and vehicles24€25k€12k▼
Current assets29/58€32k€80k▲
Stocks and contracts in progress3€8k€8k=
Stocks30/36€8k€8k=
Amounts receivable within one year40/41€21k€15k▼
Trade receivables40€21k€15k▼
Other amounts receivable41€0-
Cash at bank and in hand54/58€2k€57k▲
Deferred charges and accrued income490/1€1k€603▼
Equity and liabilities
Total equity and liabilities10/49€57k€92k▲
Equity10/15€-95k€-69k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€-97k€-71k▲
Amounts payable17/49€152k€161k▲
Amounts payable within one year42/48€152k€161k▲
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€648€655▲
Taxes450/3€648€655▲
Other amounts payable47/48€148k€157k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€5k
Other operating charges640/8€1k€934▼
Gross operating margin9900€-12k€47k▲
Operating profit (loss)9901€-28k€27k▲
Financial income75/76B€0€67▲
Recurring financial income75€0€67▲
Financial charges65/66B€209€274▲
Recurring financial charges65€209€274▲
Profit (loss) for the period before taxes9903€-28k€26k▲
Income taxes67/77€337€415▲
Profit (loss) for the period9904€-28k€26k▲
Profit (loss) for the period to be appropriated9905€-28k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-97k€-71k▲
Profit (loss) brought forward from the previous period14P€-69k€-97k▼
Social balance
Average headcount (FTE)9087-0.0
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
Next filing, fiscal year 2026, expected by
2026
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €26k
Net result €26k after 4 loss-making years.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Schaarbeek · 1 establishment unit since 2019
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.
Henri Evenepoelstraat 401030 SchaarbeekGround area
2,405 m²
Building footprint
412 m²
Volume, LiDAR
3,855 m³
2 parcels, Brussels, Wallonia · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
SB CREATION
since 20192.295.211.525
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92135F0130/00_000 | Wallonia | 2,192 m² | 1 · 326 m² | 13.3 m · 3 fl. |
| 21911C0096/00V018 | Brussels | 212 m² | 1 · 86 m² | 13.5 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
YM PARTENERS
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GINGER WORLD
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FOODPREPPER
BE 0762.954.290
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FRUITDAS
BE 0719.978.738
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GUAPA SCHUMAN
BE 0828.706.731
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Of 104 companies in sector 10320 we hold annual accounts for 51. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2019
Fiscal year end31-12
Activities, NACEBEL
10320Manufacture of food products
10391Manufacture of food products
68110Buying and selling of own real estate
73110Advertising agencies
74201Photography, excluding press photography
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.