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SURFACES CREATIONS

Active
Private limited companyfounded 20179 yrs activeRue des Villas 21, 4910 Theux, BelgiumKBO/BCE: BE 0681.868.923
Summary

SURFACES CREATIONS has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68,367 and a net result of -€9,366. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 30651 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).

Risk analysisWatch ReportCompare
SURFACES CREATIONSActiveChecked score 81/100
Risk analysis ReportCompare

Overview

Activity
Floor and wall tiling
NACE 43331
1 site
Size
€152,191total assets 2025
Equity
€68,367
Loss
-€9,366
Turnover not published (abridged schema)
Financial health
81 Excellent Checked score 2025
Bankruptcy chance 12 m
0.5%
Structure
Accounts 85 d early0 of 2 deeds read
Why 81- Loss of €9,366 (FY 2025)- Sector Specialised construction activities (NACE 43)- Size: total assets €152,191+ Liquidity: current ratio 1.84, cash €39,868Show the evidence

Checked score

Score 2025
81 / 100
Excellent
Probability in this band: under 0.55%
Better than 43% of its sector peers (NACE 43, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength · tick = 2024
Strong
Solvency 70-4
equity 44.9% of total assets
Liquidity 75+4
short-term debt 21.6% · cash 26.2%
Profitability 61-20
return on assets -6.2%
Bankruptcy probability, 12 months
0.5% Very low
0%0.5%1.5%4%10%≥ 25%

About 5 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.7% (47,004 companies)
Last 24 months 11-2024: 0.5% 12-2024: 0.5%● 0.0% vs 11-2024 01-2025: 0.5%▼ -2.4% vs 12-2024 02-2025: 0.5%● 0.0% vs 01-2025 03-2025: 0.5%▲ +2.5% vs 02-2025 04-2025: 0.6%▲ +13.6% vs 03-2025highest value 05-2025: 0.3%▼ -48.2% vs 04-2025 06-2025: 0.3%● 0.0% vs 05-2025 07-2025: 0.3%▼ -5.5% vs 06-2025 08-2025: 0.3%● 0.0% vs 07-2025 09-2025: 0.3%● 0.0% vs 08-2025 10-2025: 0.3%▼ -2.6% vs 09-2025 11-2025: 0.2%▼ -10.9% vs 10-2025 12-2025: 0.2%● 0.0% vs 11-2025 01-2026: 0.2%▼ -1.3% vs 12-2025 02-2026: 0.2%▼ -5.1% vs 01-2026lowest value 03-2026: 0.2%● 0.0% vs 02-2026lowest value 04-2026: 0.3%▲ +14.9% vs 03-2026 05-2026: 0.3%▲ +3.1% vs 04-2026 06-2026: 0.5%▲ +89.4% vs 05-2026 07-2026: 0.5%● 0.0% vs 06-2026 08-2026: 0.5%● 0.0% vs 07-2026 09-2026: 0.5%● 0.0% vs 08-2026 10-2026: 0.5%● 0.0% vs 09-2026
  • Loss of €9,366 (FY 2025) raises the probability
  • Liquidity: current ratio 1.84, cash €39,868 lowers the probability
  • Sector Specialised construction activities (NACE 43) raises the probability
  • Size: total assets €152,191 raises the probability for this profile
Credit up to €5,000 at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.46 in 2024; short-term debt: 21.6% and cash: 26.2% of total assets), but 55.1% 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 43, micro). Better than this share of them on solvency 48%, liquidity 74%, profitability 29%, growth against the median 22%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 03-10-2026. 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

Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Loss of €9,366 (FY 2025)
In the bankruptcy model this factor raises the probability.
NBB · annual accounts
lowers risk · Liquidity: current ratio 1.84, cash €39,868
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
raises risk · Sector Specialised construction activities (NACE 43)
In the bankruptcy model this factor raises the probability.
KBO
raises risk · Size: total assets €152,191
In the bankruptcy model this factor raises the probability for this profile.
NBB · annual accounts
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 07-05-2026, 85 days ahead of the deadline.
NBB · 8 filings
Deviation from the deadline
2025
85 d early
2024
118 d early
2023
152 d early
2022
118 d early
2021
38 d early
2020
60 d early
2019
56 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 90 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% 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 4 April (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven months
Position in the running window
03-10-2026 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. Weakest financial yearnet -€9,366
  3. Annual accounts filedfiscal year 2024 · micro…

Key points

  • Caution: Among the weakest 13% on net resultsector median €10,005 · 30,640 companies -€9,366 View
  • Positive: Always filed on timeaccounts within the deadline every year 8 years View
  • Total assets 20256 fiscal years filed €152,191 View

By topic

Financials

Fiscal year
2025
Total assets
€152,191
Loss
-€9,366
Solvency
44.9%
Total assets▼ 3.3%
Net result
20182025
Go to Financials

Timeline

Events
10
Since
2019
Next accounts
by 31-07-2027
  1. 07-05-2026Annual accounts filed
  2. 31-12-2025Weakest financial year
  3. 04-04-2025Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company
Activity
Floor and wall tilingNACE 43331
Founded
28-09-2017
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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