Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
-
Tight liquidity NBB
Cash and receivables cover 32 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
CREA - CONCEPT from Mons, company number BE0445635816, closed financial year 2025 with a result of € -2,675 after tax. For that financial year CREA - CONCEPT recorded a gross margin of € 12,291 and equity of € 35,414. Compared with financial year 2024, the result moved from € 13,794 to € -2,675. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on July 28, 2026.
€ 35,414
▼ 7% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -2,675
▼ still € 13,794 profit in 2024
Profit after tax over the fiscal year.
€ 13,362
▼ 8% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 16,822.
People and assets in 2025
≈ 1
No payroll staff. One director, so that person most likely runs the business.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 4,214
▼ 22% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 3,382
▲ 111% vs 2024
Corporate tax and VAT still to pay. No wage debt: nothing outstanding to staff or social security.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 24,573 | € 25,689 | € 31,626 | € 12,291 | ▼ 61% |
| Profit after taxes | € -4,187 | € -6,334 | € 13,794 | € -2,675 | ▼ € 16,469 |
| Equity | € 30,628 | € 24,294 | € 38,088 | € 35,414 | ▼ 7% |
| Total debts | € 90,208 | € 78,621 | € 59,137 | € 48,421 | ▼ 18% |
| Cash | € 5,409 | € 43 | € 14,446 | € 13,362 | ▼ 8% |
| Retained profit | € 12,036 | € 5,702 | € 19,496 | € 16,822 | ▼ 14% |
| Bank debt | € 0 | € 13,260 | € 0 | € 0 | |
| Balance sheet total | € 120,836 | € 102,915 | € 97,225 | € 83,834 | ▼ 14% |
Key figures of CREA - CONCEPT, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to CREA - CONCEPT?
What happened at CREA - CONCEPT in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: loss of € 2,675 (▼ € 16,469 vs 2024). Source: NBB ↗
- Michel Fourmarier became a director. NBB
- New establishment in Mons. KBO
- Start of the company according to the CBE. KBO
In short
From € 4,187 loss in 2022 to € 2,675 loss in 2025.
Paid € 8,115 in corporate taxes since 2022.
Best year ever: 2024, with € 13,794 profit.
A new publication or filing at CREA - CONCEPT? We notify you, reason included.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Behind CREA - CONCEPT is Michel Fourmarier.
Directors
According to the 2025 annual accounts
Michel Fourmarier
Director
since 2009
Establishments
Establishment units
Physical locations of this company
Rue Jules Hoyois (H.) 41
7022 Mons
Rue Jules Hoyois (H.) 41 box A
7022 Mons
Active since 18 November 1991
What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0445.635.816
- VAT number
- BE 0445.635.816
- Registered office
- Rue Jules Hoyois (H.) 41, 7022 Mons
- Names & denominations
- CREA - CONCEPT
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 31 October 1991
- Peppol
- Active · Active since 7 Jan 2026
- Activities · NACE
Activiteiten van reclamebureaus
Publiciteitsagentschappen