Creat Services: what changed
Two fiscal years side by side, explained: what moved most in the balance sheet and the result, why the result rose or fell, and where the money went.
What changed
Creat Services
NACE 46.190, Agents in non-specialised wholesale trade
fiscal year 2024 against 2025filed annual accounts (NBB)
Net result for the year
€369,478
2024 · €375,343-€5,865
Equity
€2.6m
2024 · €2.0m+€546,978
Cash
€128,248
2024 · €117,841+€10,407
Balance sheet total
€16.8m
2024 · €13.8m+€3.0m
Largest movements
Assets
- Receivables within one year +€3.0m
up €3.0m (+22.0%), from €13.5m to €16.4m
of which Trade receivables: +€2.9m
Equity and liabilities
- Trade debts +€1.8m
up €1.8m (+21.5%), from €8.5m to €10.4m
- Other debts +€612,315
up €612,315 (+19.2%), from €3.2m to €3.8m
- Reserves +€369,478
up €369,478 (+28.1%), from €1.3m to €1.7m
- Contributions +€177,500
up €177,500 (+25.1%), from €707,000 to €884,500
Income statement
- Turnover +€18.9m
up €18.9m (+26.7%), from €70.5m to €89.4m
- Goods and materials +€18.2m
up €18.2m (+27.0%), from €67.3m to €85.5m
From the 2024 result to the 2025 result
Each bar is the change in one income-statement line, as its effect on the result: higher costs pull it down, higher income lifts it.
Result 2024
€375,343
Turnover
+€18.9m
Goods and materials
-€18.2m
Services and other goods
-€624,942
Write-downs
-€33,707
Financial income
-€642
Financial charges
+€193
Taxes
-€8,749
Result 2025
€369,478
Cash bridge derived
Derived from the 2024 and 2025 balance sheets and the 2025 result: not a filed cash-flow statement. It shows where the money came from and went.
From operations
-€167,093
Investment
€0
Financing
+€177,500
Cash 2024
€117,841
From operations (derived)
-€167,093
Net result for the year
+€369,478
Receivables within one year
-€3.0m
Trade debts
+€1.8m
Tax, wage and social debts
-€29,024
Other debts
+€612,315
Financing
+€177,500
Contributions, distributions and other
+€177,500
Cash 2025
€128,248
Every line side by side
| Line | Code | 2024 | 2025 | Change | % |
|---|---|---|---|---|---|
| Total assets | 20/58 | €13,784,276 | €16,751,601 | +€3.0m | +21.5% |
| Fixed assets | 21/28 | €203,298 | €203,298 | = | 0.0% |
| Financial fixed assets | 28 | €203,298 | €203,298 | = | 0.0% |
| Companies linked by participating interests | 282/3 | €203,298 | €203,298 | = | 0.0% |
| Participating interests | 282 | €203,298 | €203,298 | = | 0.0% |
| Current assets | 29/58 | €13,580,978 | €16,548,303 | +€3.0m | +21.8% |
| Amounts receivable within one year | 40/41 | €13,463,137 | €16,420,054 | +€3.0m | +22.0% |
| Trade receivables | 40 | €13,463,137 | €16,391,304 | +€2.9m | +21.7% |
| Other amounts receivable | 41 | - | €28,750 | +€28,750 | |
| Cash at bank and in hand | 54/58 | €117,841 | €128,248 | +€10,407 | +8.8% |
| Total equity and liabilities | 10/49 | €13,784,276 | €16,751,601 | +€3.0m | +21.5% |
| Equity | 10/15 | €2,020,778 | €2,567,755 | +€546,978 | +27.1% |
| Contributions | 10/11 | €707,000 | €884,500 | +€177,500 | +25.1% |
| Reserves | 13 | €1,313,778 | €1,683,255 | +€369,478 | +28.1% |
| Distributable reserves | 133 | €1,313,778 | €1,683,255 | +€369,478 | +28.1% |
| Amounts payable | 17/49 | €11,763,498 | €14,183,845 | +€2.4m | +20.6% |
| Amounts payable within one year | 42/48 | €11,763,498 | €14,183,845 | +€2.4m | +20.6% |
| Trade debts | 44 | €8,534,128 | €10,371,185 | +€1.8m | +21.5% |
| Suppliers | 440/4 | €8,534,128 | €10,371,185 | +€1.8m | +21.5% |
| Taxes, remuneration and social security | 45 | €42,172 | €13,148 | -€29,024 | -68.8% |
| Taxes | 450/3 | €29,009 | €1,861 | -€27,148 | -93.6% |
| Remuneration and social security | 454/9 | €13,164 | €11,288 | -€1,876 | -14.3% |
| Other amounts payable | 47/48 | €3,187,197 | €3,799,512 | +€612,315 | +19.2% |
| Operating income | 70/76A | €70,522,996 | €89,383,335 | +€18.9m | +26.7% |
| Turnover | 70 | €70,522,996 | €89,383,335 | +€18.9m | +26.7% |
| Operating charges | 60/66A | €69,978,948 | €88,835,954 | +€18.9m | +26.9% |
| Goods for resale, raw materials and consumables | 60 | €67,318,452 | €85,516,809 | +€18.2m | +27.0% |
| Purchases | 600/8 | €67,318,452 | €85,516,809 | +€18.2m | +27.0% |
| Services and other goods | 61 | €2,559,400 | €3,184,343 | +€624,942 | +24.4% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals) | 631/4 | €101,096 | €134,803 | +€33,707 | +33.3% |
| Operating profit (loss) | 9901 | €544,048 | €547,381 | +€3,333 | +0.6% |
| Financial income | 75/76B | €651 | €9 | -€642 | -98.6% |
| Recurring financial income | 75 | €651 | €9 | -€642 | -98.6% |
| Income from current assets | 751 | €650 | €8 | -€642 | -98.8% |
| Other financial income | 752/9 | €1 | €1 | +€0 | +5.9% |
| Financial charges | 65/66B | €2,603 | €2,410 | -€193 | -7.4% |
| Recurring financial charges | 65 | €2,603 | €2,410 | -€193 | -7.4% |
| Debt charges | 650 | €2,262 | €2,069 | -€193 | -8.5% |
| Other financial charges | 652/9 | €341 | €341 | +€0 | 0.0% |
| Profit (loss) for the period before taxes | 9903 | €542,096 | €544,980 | +€2,884 | +0.5% |
| Income taxes | 67/77 | €166,753 | €175,502 | +€8,749 | +5.2% |
| Taxes | 670/3 | €166,753 | €175,502 | +€8,749 | +5.2% |
| Profit (loss) for the period | 9904 | €375,343 | €369,478 | -€5,865 | -1.6% |
| Profit (loss) for the period to be appropriated | 9905 | €375,343 | €369,478 | -€5,865 | -1.6% |
Source: filed annual accounts (NBB), fiscal years ended 31 December 2024 and 31 December 2025. Colour: green is a favourable move for that line, red an unfavourable one. Prepared on 8 October 2026 via checked.be.