Equity
€326,656 ▲ 1.4%
BE-CREATIVE has made a profit without a break since 2009.
BE-CREATIVE
Lifetime
19 annual accounts with figures on one time axis, 21 filings since 2005peak €57,245 (2023)
€14,890▲ 69.1%
lowest -€2,225 (2008)
€4,446▼ 32.3%
peak €326,656 (2025)
€326,656▲ 1.4%
€22,204▼ 57.7%
Board1 name since 2003
1 directorBRUGGEMAN Sven
Documentsfilings and deeds
31-10-2025on the last day
2025abbreviated format
Gross margin from €8,805 to €14,890Result from €6,568 to €4,446Debts from €52,507 to €22,204Investments €14,464Cash from €70,622 to €25,709
Key points
from the 2025 annual accountsTurnover
≈ €59,000 estimated
The abbreviated format states no turnover.
Investments
€14,464 2.0 × depreciation
Green is investment, beige is depreciation. Machinery stands 64.0% higher than in 2024.
Liquidity
16.04 was 6.57 in 2024
Short-term debts fell from €52,507 to €19,454.
Filings
21 annual accounts 10 days past the deadline
2026 accounts not filed: deadline was 31-10-2026.
Position in the sector
93.6%
Higher solvency than 90% of companies in head offices and management consultancy. Sector median 52.4% · 10,858 companies.
Checked score
89
Excellent
Financially stronger than 50% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.2%● unchanged vs 07-2025
09-2025: 0.2%● unchanged vs 08-2025
10-2025: 0.3%▲ +0.1 percentage points vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.4%▲ +0.1 percentage points vs 11-2025highest value
01-2026: 0.4%● unchanged vs 12-2025highest value
02-2026: 0.4%● unchanged vs 01-2026highest value
03-2026: 0.4%● unchanged vs 02-2026highest value
04-2026: 0.3%▼ -0.1 percentage points vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026
08-2026: 0.1%▼ -0.2 percentage points vs 07-2026lowest value
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.2%▲ +0.1 percentage points vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
Figures for financial year 2025 (filed on 06-11-2025)
1 financial year not filed after the legal deadline; 1 of the last 3 accounts late
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Equity €326,656 (93.6% of total assets)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 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% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 51% on liquidity, 19% on profitability and 44% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-03-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 17,041 companies had the same profile as BE-CREATIVE has now. Each dot stands for 43 companies, two years later.
94.4%
were still trading
4.9%
stopped another way
0.5%
went bankrupt
Another 0.2% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of BE-CREATIVE itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 17,041 companies, not a prediction for BE-CREATIVE. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €25,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 16.04 (6.57 in 2024), above the usual 1.5. Short-term debt is 5.6% and cash 7.4% of total assets. 6.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
not filed
2025
on the day
2024
42 days late
2023
on the day
2022
22 days late
2021
15 days late
2020
1 day early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 13 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (1)
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0860562521
Registered office moved to Schoten
New registered office: Valkenlaan 42, 2900 Schoten · Resignation: BRUGGEMAN Sven (director, formerly manager) · Reappointment: BRUGGEMAN Sven (director) · General meeting of 27-06-2024 · Gazette deed
First establishment
Valkenlaan 42, Schoten
Incorporation
published on 25-09-2003 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| BE-CREATIVE Schoten | €348,860 | €14,890 | 93.6% | - |
| BYRMA Mechelen | €353,221 | €12,851 | 97.2% | - |
| JEAN PAUL SCHUPP Boechout | €352,916 | €13,222 | 90.7% | - |
| Art & Stone Mechelen | €288,599 | €15,226 | 14.1% | - |
| TOPMACO Aartselaar | €290,390 | €13,944 | 22.3% | - |
| INCENTRA Deinze | €340,058 | €15,334 | 27.1% | - |
| ECLECTIQUE-CONCEPT Jette | €346,166 | €13,940 | 3.7% | - |
These companies have the same main activity as BE-CREATIVE: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €289,000 and €353,000, founded between 2000 and 2006.
Official details
Source: KBO- Status
- Active since 18-09-2003Normal situation
- Activity
- Business and other management consultancyNACE 70200and 3 others
- Establishment unit
- 2.367.117.6252900 Schoten, since 15-04-2024
- Financial year end
- 31 March
- Peppol
- Reachable since 21-10-2026
Insights on BE-CREATIVE
BE-CREATIVE files the abbreviated format. That format states no turnover. The gross margin fell from €25,581 in 2007 to €14,890 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about BE-CREATIVE
- What is the company number of BE-CREATIVE?
- The company number of BE-CREATIVE is 0860.562.521. The VAT number is the same number with BE in front: BE 0860.562.521.
- Where is BE-CREATIVE based?
- The registered office is at Valkenlaan 42, 2900 Schoten.Company details
- What does BE-CREATIVE do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of BE-CREATIVE?
- BE-CREATIVE is a private limited company (BV).
- When was BE-CREATIVE founded?
- BE-CREATIVE was founded on 18-09-2003.
- Is BE-CREATIVE still active?
- Yes, BE-CREATIVE is an active enterprise in the KBO register.
- What is the turnover of BE-CREATIVE?
- The turnover in financial year 2025 is ≈ €59,000. This figure is estimated from the gross margin of €14,890 and 140 comparable companies (NACE 70200). It probably lies between €26,000 and €150,000. It is a rough estimate.Financials
- Is BE-CREATIVE profitable?
- In financial year 2025, BE-CREATIVE made a profit of €4,446.
- Where can I find the annual accounts of BE-CREATIVE?
- BE-CREATIVE filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
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