BE CREATIVE CONCEPT
ActiveSummary
BE CREATIVE CONCEPT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €84,649 and a net result of €4,006. Equity is growing by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 90% of 18606 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability74▲+7
Solvency100▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 3.85 against 1.48 in 2024; short-term debt: 15.8% and cash: 6.5% of total assets), and 15.8% of the assets are financed with debt.
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Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
84.2%
Return on assets
4%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 13-07-2026, 18 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
18 d early
2024
13 d early
2023
65 d late
2022
31 d late
2021
2 d early
2020
27 d late
2019
27 d late
← 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 17 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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 29 July (4 of the last 5 filed years within 33 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€4,006
2024 · -€2,200
Working capital
€45,300▲ 45.3%
2024 · €31,171
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result-€11,405€52,542€4,639▼ 91.2%-€455€8,012
Net result-€15,984below the sector's middle half€35,467above the sector's middle half-€3,188within the sector's middle half-€2,200within the sector's middle half▲ 31.0%€4,006within the sector's middle half
Equity€80,564below the sector's middle half▲ 967%€116,031above the sector's middle half▲ 44.0%€82,843within the sector's middle half▼ 28.6%€80,644within the sector's middle half▼ 2.7%€84,649within the sector's middle half▲ 5.0%
Total assets€326,973below the sector's middle half▲ 140%€321,293within the sector's middle half▼ 1.7%€286,318within the sector's middle half▼ 10.9%€145,009below the sector's middle half▼ 49.4%€100,558within the sector's middle half▼ 30.7%
Debt€246,409▲ 91.7%€205,262▼ 16.7%€203,475▼ 0.9%€64,366▼ 68.4%€15,909▼ 75.3%
Working capital€3,535below the sector's middle half▲ 121%€73,817within the sector's middle half▲ 1,988%€40,395within the sector's middle half▼ 45.3%€31,171within the sector's middle half▼ 22.8%€45,300within the sector's middle half▲ 45.3%
Solvency24.6%within the sector's middle half▲ 19.1pp36.1%within the sector's middle half▲ 11.5pp28.9%within the sector's middle half▼ 7.2pp55.6%within the sector's middle half▲ 26.7pp84.2%above the sector's middle half▲ 28.6pp
Current ratio1.02below the sector's middle half=1.46within the sector's middle half▲ 0.441.23within the sector's middle half▼ 0.231.48within the sector's middle half▲ 0.263.85above the sector's middle half▲ 2.36
Return on assets (ROA)-4.9%below the sector's middle half▼ 7.1pp11.0%within the sector's middle half▲ 15.9pp-1.1%within the sector's middle half▼ 12.2pp-1.5%below the sector's middle half▼ 0.4pp4.0%within the sector's middle half▲ 5.5pp
Staff (FTE)0.7below the sector's middle half10.5below the sector's middle half▼ 50.0%
above
within
below
the middle half (P25 to P75) of NACE 47, Retail trade, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8,012 after a loss of €455 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100,395
Fixed assets
€39,187 ▼ 19.7%
Current assets
€61,208 ▼ 35.9%
Equity and liabilities €100,558
Equity
€84,649 ▲ 5.0%
Debt
€15,909 ▼ 75.3%
Debt's share of the balance-sheet total falls from 44.4% to 15.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€19,636▲
2024 · €19,021
Cash flow
€15,629▼
2024 · €17,276
Quick ratio
1.73▲
2024 · 0.92
Debt to equity
0.19▼
2024 · 0.80
ROE
4.7%▲
2024 · -2.7%
Interest coverage
6.46▼
2024 · 11.07
Debt ≤ 1 year
€15,909▼
2024 · €64,366
Income taxes
€968▲
2024 · €29
Staff costs
€0▼
2024 · €6,511
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,049 companies that looked in July 2024 the way this one looks now, 2.0% went bankrupt within 24 months and 94% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
2.0%
went bankrupt
3.7%
stopped otherwise
94%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.4% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 5,049 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €29,470 | €39,093 | €15,941 | €6,511 | €0 | ▼ 100% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €11,543 | €21,293 | €22,444 | €19,476 | €11,624 | ▼ 40.3% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €13 | - | - | - |
| Other operating charges640/8 | €360 | €1,244 | €1,298 | €2,806 | €3,542 | ▲ 26.2% |
| Non-recurring operating charges66A | - | - | - | €5,009 | - | - |
| Gross operating margin9900 | €29,968 | €114,171 | €44,335 | €33,348 | €23,178 | ▼ 30.5% |
| Operating profit (loss)9901 | -€11,405 | €52,542 | €4,639 | -€455 | €8,012 | ▲ 1,862% |
| Financial income75/76B | €1,463 | €258 | €499 | €2 | €1 | ▼ 74.4% |
| Recurring financial income75 | €1,463 | €258 | €499 | €2 | €1 | ▼ 74.4% |
| Financial charges65/66B | €6,042 | €9,117 | €10,225 | €1,718 | €3,040 | ▲ 76.9% |
| Recurring financial charges65 | €6,042 | €9,117 | €10,225 | €1,718 | €3,040 | ▲ 76.9% |
| Profit (loss) for the period before taxes9903 | -€15,984 | €43,683 | -€5,087 | -€2,171 | €4,973 | ▲ 329% |
| Income taxes67/77 | - | €8,216 | -€1,899 | €29 | €968 | ▲ 3,285% |
| Profit (loss) for the period9904 | -€15,984 | €35,467 | -€3,188 | -€2,200 | €4,006 | ▲ 282% |
| Profit (loss) for the period to be appropriated9905 | -€15,984 | €35,467 | -€3,188 | -€2,200 | €4,006 | ▲ 282% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €326,973 | €321,293 | €286,318 | €145,009 | €100,558 | ▼ 30.7% |
| Formation expenses20 | €2,658 | €1,913 | €1,221 | €692 | €162 | ▼ 76.5% |
| Fixed assets21/28 | €103,326 | €84,103 | €66,502 | €48,781 | €39,187 | ▼ 19.7% |
| Intangible fixed assets21 | €54,935 | €41,824 | €30,958 | €19,984 | €16,533 | ▼ 17.3% |
| Tangible fixed assets22/27 | €44,656 | €38,544 | €31,984 | €25,237 | €19,094 | ▼ 24.3% |
| Furniture and vehicles24 | €22,047 | €18,954 | €15,412 | €11,684 | €7,154 | ▼ 38.8% |
| Other tangible fixed assets26 | €22,609 | €19,590 | €16,572 | €13,553 | €11,941 | ▼ 11.9% |
| Financial fixed assets28 | €3,735 | €3,735 | €3,560 | €3,560 | €3,560 | = |
| Current assets29/58 | €220,989 | €235,278 | €218,595 | €95,536 | €61,208 | ▼ 35.9% |
| Stocks and contracts in progress3 | €105,872 | €43,700 | €34,974 | €36,314 | €33,728 | ▼ 7.1% |
| Stocks30/36 | €105,872 | €43,700 | €34,974 | €36,314 | €33,728 | ▼ 7.1% |
| Amounts receivable within one year40/41 | €57,638 | €44,104 | €62,142 | €18,166 | €20,796 | ▲ 14.5% |
| Trade receivables40 | €57,627 | €44,104 | €62,142 | €18,165 | €20,793 | ▲ 14.5% |
| Other amounts receivable41 | €10 | €0 | - | €1 | €3 | ▲ 144% |
| Cash at bank and in hand54/58 | €34,101 | €142,766 | €119,131 | €40,757 | €6,559 | ▼ 83.9% |
| Deferred charges and accrued income490/1 | €23,378 | €4,709 | €2,348 | €300 | €125 | ▼ 58.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €326,973 | €321,293 | €286,318 | €145,009 | €100,558 | ▼ 30.7% |
| Equity10/15 | €80,564 | €116,031 | €82,843 | €80,644 | €84,649 | ▲ 5.0% |
| Contributions10/11 | €99,000 | €99,000 | €99,000 | €82,843 | €82,843 | = |
| Outside capital11 | €99,000 | - | - | - | - | - |
| Share premium1100/10 | €99,000 | - | - | - | - | - |
| Profit (loss) carried forward14 | -€18,436 | €17,031 | -€16,157 | -€2,200 | €1,806 | ▲ 182% |
| Amounts payable17/49 | €246,409 | €205,262 | €203,475 | €64,366 | €15,909 | ▼ 75.3% |
| Amounts payable after more than one year17 | €28,955 | €43,801 | €20,169 | - | - | - |
| Financial debts170/4 | €28,955 | €43,801 | €20,169 | - | - | - |
| Amounts payable within one year42/48 | €217,454 | €161,461 | €178,200 | €64,366 | €15,909 | ▼ 75.3% |
| Current portion of amounts payable after more than one year42 | €9,828 | €23,026 | €23,632 | €20,169 | €0 | ▼ 100% |
| Trade debts44 | €173,574 | €102,274 | €85,932 | €1,175 | €3,476 | ▲ 196% |
| Suppliers440/4 | €173,574 | €102,274 | €85,932 | €1,175 | €3,476 | ▲ 196% |
| Advances received on contracts in progress46 | €1,069 | €1,069 | €0 | €1,818 | €1,818 | = |
| Taxes, remuneration and social security45 | €32,983 | €35,093 | €36,145 | €19,447 | €4,878 | ▼ 74.9% |
| Taxes450/3 | €23,988 | €30,381 | €31,504 | €19,447 | €4,878 | ▼ 74.9% |
| Remuneration and social security454/9 | €8,995 | €4,711 | €4,642 | - | - | - |
| Other amounts payable47/48 | - | - | €32,490 | €21,757 | €5,737 | ▼ 73.6% |
| Accrued charges and deferred income492/3 | - | - | €5,106 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€15,984 | €35,467 | -€3,188 | -€2,200 | €4,006 | ▲ 282% |
| + Depreciation and write-downs630 | €11,543 | €21,293 | €22,444 | €19,476 | €11,624 | ▼ 40.3% |
| Operating cash flow (approximation) | -€4,441 | €56,760 | €19,256 | €17,276 | €15,629 | ▼ 9.5% |
| Investment in fixed assets (approximation) | - | -€2,069 | -€4,844 | -€1,756 | -€2,029 | ▼ 15.6% |
| Change in cash | - | €108,664 | -€23,635 | -€78,374 | -€34,197 | ▲ 56.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €4,006
Net result €4,006 after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.85
Current ratio from 1.48 to 3.85; short-term debt falls from €64,366 to €15,909.
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €35,467
Net result €35,467 after one loss-making year.
31-12
Financial
Equity above €100,000Eq €116,031 ▲44%
Equity rises from €80,564 to €116,031.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet -€15,984
Net result drops to -€15,984, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Back to profitnet €985
Net result €985 after one loss-making year.
25-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 117 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ukkel · 1 establishment unit since 2018
Ground area
306 m²
Building footprint
129 m²
Volume, LiDAR
1,863 m³
Parcel 21616G0102/00S000, Brussels · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Creative Cables Belgium
since 20182.280.042.606
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616G0102/00S000 | Brussels | 306 m² | 1 · 129 m² | 17.0 m · 5 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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ELECTRO-SAB
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Of 764 companies in sector 47552 we hold annual accounts for 444. 363 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-09-2018
Fiscal year end31-12
Activities, NACEBEL 2025
47552Retail sale of lighting equipment
46140Agents in the wholesale of industrial machinery, ships and aircraft
E-invoicing
Reachable via Peppol
Peppol ID
0208:0704809522
Also
9925:BE0704809522
Registered
18-07-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.