CRE8 ENTERPRISE LTD Financials
This page shows CRE8 ENTERPRISE LTD (CRE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Cre8 Enterprise operates as an asset-light cash converter, but its thin working-capital cushion keeps financing discipline central.
The most telling combination is cash earnings lining up with reported profit: net income of$824K was closely matched by operating cash flow of$899K , so earnings appear to be backed by real cash rather than heavy accruals. Because capital spending was only$17K , most of that operating cash remained free cash flow, yet the liquidity buffer stays narrow because receivables of$2.43M are carrying more of the working-capital load than cash.
A debt-heavy capital structure matters more here than the profit line alone: debt to equity sits at 4.8x, and current assets slightly trail current liabilities. That means the business is funded with limited equity and little short-term slack, so routine execution has to stay steady for the balance sheet to feel comfortable.
The margin stack says the underlying work is profitable before overhead, but not lavishly so after it: gross margin was
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of CRE8 ENTERPRISE LTD's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
CRE8 ENTERPRISE LTD has an operating margin of 4.5%, meaning the company retains $4 of operating profit per $100 of revenue. This results in a moderate score of 35/100, indicating healthy but not exceptional operating efficiency. This is down from 8.0% the prior year.
CRE8 ENTERPRISE LTD's revenue surged 25.9% year-over-year to $16.8M, reflecting rapid business expansion. This strong growth earns a score of 76/100.
CRE8 ENTERPRISE LTD carries a low D/E ratio of 1.26, meaning only $1.26 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 76/100, indicating a strong balance sheet with room for future borrowing.
CRE8 ENTERPRISE LTD's current ratio of 1.57 is below the typical benchmark, resulting in a score of 27/100. However, the company holds substantial cash reserves (101% of current liabilities), which buffers actual liquidity risk. Large mature operators often run tight current ratios by design.
CRE8 ENTERPRISE LTD has a free cash flow margin of 8.3%, earning a moderate score of 44/100. The company generates positive cash flow after capital investments, but with room for improvement.
CRE8 ENTERPRISE LTD earns a strong 10.3% return on equity (ROE), meaning it generates $10 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 79/100. This is down from 64.6% the prior year.
CRE8 ENTERPRISE LTD scores 2.07, placing it in the grey zone between 1.81 and 2.99. This signals moderate financial risk that warrants monitoring.
CRE8 ENTERPRISE LTD passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, CRE8 ENTERPRISE LTD generates $2.19 in operating cash flow ($1.5M OCF vs $678K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
CRE8 ENTERPRISE LTD earns $23.4 in operating income for every $1 of interest expense ($754K vs $32K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
CRE8 ENTERPRISE LTD generated $16.8M in revenue in fiscal year 2025. This represents an increase of 25.9% from the prior year.
CRE8 ENTERPRISE LTD's EBITDA was $803K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 30.4% from the prior year.
CRE8 ENTERPRISE LTD reported $678K in net income in fiscal year 2025. This represents a decrease of 17.7% from the prior year.
CRE8 ENTERPRISE LTD earned $0.35 per diluted share (EPS) in fiscal year 2025. This represents an increase of 775.0% from the prior year.
Cash & Balance Sheet
CRE8 ENTERPRISE LTD generated $1.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 57.7% from the prior year.
CRE8 ENTERPRISE LTD held $7.0M in cash against $0 in long-term debt as of fiscal year 2025.
Margins & Returns
CRE8 ENTERPRISE LTD's gross margin was 41.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is up 1.1 percentage points from the prior year.
CRE8 ENTERPRISE LTD's operating margin was 4.5% in fiscal year 2025, reflecting core business profitability. This is down 3.5 percentage points from the prior year.
CRE8 ENTERPRISE LTD's net profit margin was 4.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 2.1 percentage points from the prior year.
CRE8 ENTERPRISE LTD's ROE was 10.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 54.4 percentage points from the prior year.
Capital Allocation
CRE8 ENTERPRISE LTD invested $92K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 431.4% from the prior year.
CRE Income Statement
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Revenue | N/A | N/A | N/A |
| Cost of Revenue | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A |
| Interest Expense | N/A | N/A | N/A |
| Income Tax | N/A | N/A | N/A |
| Net Income | N/A | N/A | N/A |
| EPS (Diluted) | N/A | N/A | N/A |
CRE Balance Sheet
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Total Assets | $14.9M+46.2% | $10.2M+38.8% | $7.3M |
| Current Assets | $10.9M+79.6% | $6.1M+11.5% | $5.5M |
| Cash & Equivalents | $7.0M+388.4% | $1.4M-19.3% | $1.8M |
| Inventory | N/A | N/A | N/A |
| Accounts Receivable | $2.9M-11.9% | $3.3M+35.6% | $2.4M |
| Goodwill | N/A | N/A | N/A |
| Total Liabilities | $8.3M+5.0% | $7.9M+30.2% | $6.1M |
| Current Liabilities | $6.9M+16.2% | $6.0M+6.8% | $5.6M |
| Long-Term Debt | N/A | N/A | N/A |
| Total Equity | $6.6M+187.9% | $2.3M+80.0% | $1.3M |
| Retained Earnings | $1.3M-20.4% | $1.7M+152.4% | $671K |
CRE Cash Flow Statement
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Operating Cash Flow | N/A | N/A | N/A |
| Capital Expenditures | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A |
| Investing Cash Flow | N/A | N/A | N/A |
| Financing Cash Flow | N/A | N/A | N/A |
| Dividends Paid | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A |
CRE Financial Ratios
| Metric | Q4'25 | Q2'25 | Q4'24 |
|---|---|---|---|
| Gross Margin | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A |
| Net Margin | N/A | N/A | N/A |
| Return on Equity | N/A | N/A | N/A |
| Return on Assets | N/A | N/A | N/A |
| Current Ratio | 1.57+0.6 | 1.02+0.0 | 0.98 |
| Debt-to-Equity | 1.26-2.2 | 3.44-1.3 | 4.76 |
| FCF Margin | N/A | N/A | N/A |
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Frequently Asked Questions
What is CRE8 ENTERPRISE LTD's annual revenue?
CRE8 ENTERPRISE LTD (CRE) reported $16.8M in total revenue for fiscal year 2025. This represents a 25.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is CRE8 ENTERPRISE LTD's revenue growing?
CRE8 ENTERPRISE LTD (CRE) revenue grew by 25.9% year-over-year, from $13.4M to $16.8M in fiscal year 2025.
Is CRE8 ENTERPRISE LTD profitable?
Yes, CRE8 ENTERPRISE LTD (CRE) reported a net income of $678K in fiscal year 2025, with a net profit margin of 4.0%.
What is CRE8 ENTERPRISE LTD's EBITDA?
CRE8 ENTERPRISE LTD (CRE) had EBITDA of $803K in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is CRE8 ENTERPRISE LTD's gross margin?
CRE8 ENTERPRISE LTD (CRE) had a gross margin of 41.9% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is CRE8 ENTERPRISE LTD's operating margin?
CRE8 ENTERPRISE LTD (CRE) had an operating margin of 4.5% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is CRE8 ENTERPRISE LTD's net profit margin?
CRE8 ENTERPRISE LTD (CRE) had a net profit margin of 4.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is CRE8 ENTERPRISE LTD's return on equity (ROE)?
CRE8 ENTERPRISE LTD (CRE) has a return on equity of 10.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is CRE8 ENTERPRISE LTD's free cash flow?
CRE8 ENTERPRISE LTD (CRE) generated $1.4M in free cash flow during fiscal year 2025. This represents a 57.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is CRE8 ENTERPRISE LTD's operating cash flow?
CRE8 ENTERPRISE LTD (CRE) generated $1.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are CRE8 ENTERPRISE LTD's total assets?
CRE8 ENTERPRISE LTD (CRE) had $14.9M in total assets as of fiscal year 2025, including both current and long-term assets.
What are CRE8 ENTERPRISE LTD's capital expenditures?
CRE8 ENTERPRISE LTD (CRE) invested $92K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is CRE8 ENTERPRISE LTD's current ratio?
CRE8 ENTERPRISE LTD (CRE) had a current ratio of 1.57 as of fiscal year 2025, which is generally considered healthy.
What is CRE8 ENTERPRISE LTD's debt-to-equity ratio?
CRE8 ENTERPRISE LTD (CRE) had a debt-to-equity ratio of 1.26 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is CRE8 ENTERPRISE LTD's return on assets (ROA)?
CRE8 ENTERPRISE LTD (CRE) had a return on assets of 4.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is CRE8 ENTERPRISE LTD's Altman Z-Score?
CRE8 ENTERPRISE LTD (CRE) has an Altman Z-Score of 2.07, placing it in the Grey Zone (moderate risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is CRE8 ENTERPRISE LTD's Piotroski F-Score?
CRE8 ENTERPRISE LTD (CRE) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CRE8 ENTERPRISE LTD's earnings high quality?
CRE8 ENTERPRISE LTD (CRE) has an earnings quality ratio of 2.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can CRE8 ENTERPRISE LTD cover its interest payments?
CRE8 ENTERPRISE LTD (CRE) has an interest coverage ratio of 23.4x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is CRE8 ENTERPRISE LTD?
CRE8 ENTERPRISE LTD (CRE) scores 56 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.