BE4CREATIVE
ActiveSummary
BE4CREATIVE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €116,901 and a net result of €7,729. Equity is growing by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 7097 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability76▼-24
Solvency100▲+3
Growth52▼-26
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9,000 at 30 days acceptable
Liquidity ample (current ratio 6.83 against 3.42 in 2024; short-term debt: 14.2% and cash: 81.8% of total assets), and 14.2% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
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
85.8%
Return on assets
5.7%
Age of the figures
9 mo
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 11-07-2026, 20 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
20 d early
2024
44 d early
2023
1 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 21 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% 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.
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
Equity
€116,901▲ 7.1%
2024 · €109,172
Total assets
€136,205▼ 10.4%
2024 · €152,083
Net result
€7,729▼ 86.7%
2024 · €58,095
Working capital
€112,524▲ 8.2%
2024 · €103,986
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, 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
Line202320242025
Operating result€70,489-€80,824▲ 14.7%€12,051▼ 85.1%
Net result€48,077above the sector's middle half-€58,095above the sector's middle half▲ 20.8%€7,729within the sector's middle half▼ 86.7%
Equity€51,077within the sector's middle half-€109,172within the sector's middle half▲ 114%€116,901within the sector's middle half▲ 7.1%
Total assets€88,693within the sector's middle half-€152,083within the sector's middle half▲ 71.5%€136,205within the sector's middle half▼ 10.4%
Debt€37,616-€42,911▲ 14.1%€19,304▼ 55.0%
Working capital€48,673within the sector's middle half-€103,986within the sector's middle half▲ 114%€112,524above the sector's middle half▲ 8.2%
Solvency57.6%within the sector's middle half-71.8%within the sector's middle half▲ 14.2pp85.8%above the sector's middle half▲ 14.0pp
Current ratio2.29within the sector's middle half-3.42within the sector's middle half▲ 1.136.83above the sector's middle half▲ 3.41
Return on assets (ROA)54.2%above the sector's middle half-38.2%above the sector's middle half▼ 16.0pp5.7%within the sector's middle half▼ 32.5pp
above
within
below
the middle half (P25 to P75) of NACE 73, Advertising, market research and public relations activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 85% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136,205
Fixed assets
€4,377 ▼ 15.6%
Current assets
€131,828 ▼ 10.3%
Equity and liabilities €136,205
Equity
€116,901 ▲ 7.1%
Debt
€19,304 ▼ 55.0%
Debt's share of the balance-sheet total falls from 28.2% to 14.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€12,861▼
2024 · €81,524
Cash flow
€8,539▼
2024 · €58,795
Debt to equity
0.17▼
2024 · 0.39
ROE
6.6%▼
2024 · 53.2%
Interest coverage
112.31▼
2024 · 163.46
Debt ≤ 1 year
€19,304▼
2024 · €42,911
Income taxes
€4,207▼
2024 · €22,231
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
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 39,276 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 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €21 | €700 | €809 | ▲ 15.6% |
| Other operating charges640/8 | €434 | €387 | €400 | ▲ 3.2% |
| Gross operating margin9900 | €70,945 | €81,911 | €13,260 | ▼ 83.8% |
| Operating profit (loss)9901 | €70,489 | €80,824 | €12,051 | ▼ 85.1% |
| Financial income75/76B | €5 | - | - | - |
| Recurring financial income75 | €5 | - | - | - |
| Financial charges65/66B | €19 | €499 | €115 | ▼ 77.0% |
| Recurring financial charges65 | €19 | €499 | €115 | ▼ 77.0% |
| Profit (loss) for the period before taxes9903 | €70,476 | €80,325 | €11,937 | ▼ 85.1% |
| Income taxes67/77 | €22,399 | €22,231 | €4,207 | ▼ 81.1% |
| Profit (loss) for the period9904 | €48,077 | €58,095 | €7,729 | ▼ 86.7% |
| Profit (loss) for the period to be appropriated9905 | €48,077 | €58,095 | €7,729 | ▼ 86.7% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €88,693 | €152,083 | €136,205 | ▼ 10.4% |
| Fixed assets21/28 | €2,404 | €5,186 | €4,377 | ▼ 15.6% |
| Tangible fixed assets22/27 | €2,404 | €5,131 | €4,322 | ▼ 15.8% |
| Plant, machinery and equipment23 | - | €1,854 | €1,405 | ▼ 24.2% |
| Furniture and vehicles24 | - | €1,116 | €998 | ▼ 10.6% |
| Other tangible fixed assets26 | €2,404 | €2,161 | €1,919 | ▼ 11.2% |
| Financial fixed assets28 | - | €55 | €55 | = |
| Current assets29/58 | €86,289 | €146,897 | €131,828 | ▼ 10.3% |
| Amounts receivable within one year40/41 | €15,654 | €15,335 | €20,462 | ▲ 33.4% |
| Trade receivables40 | €13,931 | €15,335 | €14,862 | ▼ 3.1% |
| Other amounts receivable41 | €1,723 | - | €5,600 | - |
| Cash at bank and in hand54/58 | €70,635 | €131,562 | €111,366 | ▼ 15.4% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €88,693 | €152,083 | €136,205 | ▼ 10.4% |
| Equity10/15 | €51,077 | €109,172 | €116,901 | ▲ 7.1% |
| Contributions10/11 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €48,000 | €105,000 | €112,000 | ▲ 6.7% |
| Distributable reserves133 | €48,000 | €105,000 | €112,000 | ▲ 6.7% |
| Profit (loss) carried forward14 | €77 | €1,172 | €1,901 | ▲ 62.2% |
| Amounts payable17/49 | €37,616 | €42,911 | €19,304 | ▼ 55.0% |
| Amounts payable within one year42/48 | €37,616 | €42,911 | €19,304 | ▼ 55.0% |
| Trade debts44 | €56 | €1,377 | €2,674 | ▲ 94.2% |
| Suppliers440/4 | €56 | €1,377 | €2,674 | ▲ 94.2% |
| Taxes, remuneration and social security45 | €37,559 | €34,892 | €11,205 | ▼ 67.9% |
| Taxes450/3 | €37,559 | €34,892 | €11,205 | ▼ 67.9% |
| Other amounts payable47/48 | - | €6,643 | €5,425 | ▼ 18.3% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €48,077 | €58,095 | €7,729 | ▼ 86.7% |
| + Depreciation and write-downs630 | €21 | €700 | €809 | ▲ 15.6% |
| Operating cash flow (approximation) | €48,098 | €58,795 | €8,539 | ▼ 85.5% |
| Investment in fixed assets (approximation) | - | -€3,482 | €0 | ▲ 100% |
| Change in cash | - | €60,927 | -€20,196 | ▼ 133% |
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
11-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €7,729 ▼86.7%
Net result drops to €7,729, the lowest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2023net €58,095 ▲20.8%
Operating result €80,824, net result €58,095, both a record.
31-12
Financial
Equity above €100,000Eq €109,172 ▲114%
2 profitable years in a row build equity to €109,172.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Dinant · 1 establishment unit since 2023
Ground area
499 m²
Building footprint
71 m²
Volume, LiDAR
734 m³
Parcel 91243B0263/00X000, Wallonia · tallest building 11.8 m, ±4 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
Be4Creative
since 20232.350.694.436
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91243B0263/00X000 | Wallonia | 499 m² | 1 · 71 m² | 11.8 m · 4 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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MMG Consulting
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Council of European BioRegions
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UMSUKA
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,906. 5,555 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
Founded30-08-2023
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
70200Business and other management consultancy
73110Advertising agencies
74120Graphic design and visual communication
82990Other business support services
96999Other personal services
Contact
E-mail
brigitte.dervaux@gmail.com
Phone
+32479995237
E-invoicing
Reachable via Peppol
Peppol ID
0208:0805274204
Also
9925:BE0805274204
Registered
16-02-2025
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.