CREACT
ActiveCREACT has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35k and a net result of €45k. Equity is growing by ~67.7% per year across the filed fiscal years. Its solvency ranks better than 23% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▼-7
Solvency40▼-23
Growth78=
Track record94
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.55 against 1.44 in 2024; short-term debt: 61.9% and cash: 13% of total assets), but 84.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
15.2%
Return on assets
19.6%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7709 sector peers (2025).
NBB · sector comparisonPosition among 7709 sector peers
Solvency
better than 23%
← weakest
strongest →
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 02-07-2026, 29 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
2 d early
2022
7 d late
← before the deadline
after the deadline →
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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€35k▲ 0.1%
2024 · €35k
2022: €4k
2023: €3k
2024: €35k
2022 → 2025
Total assets
€229k▲ 150%
2024 · €92k
2022: €21k
2023: €35k
2024: €92k
2022 → 2025
Net result
€45k▲ 41.9%
2024 · €32k
2022: €1k
2023: €-618
2024: €32k
2022 → 2025
Working capital
€78k▲ 210%
2024 · €25k
2022: €1k
2023: €108
2024: €25k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€3k▼ 17.2%€35k▲ 1,069%€35k▲ 0.1%
Operating result€3k-€1k▼ 59.0%€42k▲ 3,188%€66k▲ 55.8%
Net result€1k-€-618€32k€45k▲ 41.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 56% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €229k
Fixed assets
€10k▼ 0.9%
Current assets
€220k▲ 168%
Equity and liabilities €229k
Equity
€35k▲ 0.1%
Debt
€194k▲ 242%
The debt ratio rises from 62.1% to 84.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€69k▲
2024 · €44k
Cash flow
€48k▲
2024 · €34k
Solvency
15.2%▼
2024 · 37.9%
Current ratio
1.55▲
2024 · 1.44
Quick ratio
1.55▲
2024 · 1.44
Debt / equity
5.60▲
2024 · 1.64
ROE
129.6%▲
2024 · 91.4%
ROA
19.6%▼
2024 · 34.6%
Interest coverage
16.66▼
2024 · 41.34
Debt
€194k▲
2024 · €57k
Debt ≤ 1 year
€142k▲
2024 · €57k
Income taxes
€16k▲
2024 · €9k
Staff costs
€56k▲
2024 · €520
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€92k€229k▲
Fixed assets21/28€10k€10k▼
Intangible fixed assets21€689€544▼
Tangible fixed assets22/27€9k€9k▲
Plant, machinery and equipment23€2k€4k▲
Furniture and vehicles24€7k€5k▼
Current assets29/58€82k€220k▲
Amounts receivable within one year40/41€63k€187k▲
Trade receivables40€63k€182k▲
Other amounts receivable41€147€5k▲
Cash at bank and in hand54/58€19k€30k▲
Deferred charges and accrued income490/1€446€3k▲
Equity and liabilities
Total equity and liabilities10/49€92k€229k▲
Equity10/15€35k€35k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€32k€32k▲
Amounts payable17/49€57k€194k▲
Amounts payable within one year42/48€57k€142k▲
Financial debts43€2k€898▼
Credit institutions430/8€2k€898▼
Trade debts44€20k€33k▲
Suppliers440/4€20k€33k▲
Taxes, remuneration and social security45€33k€63k▲
Taxes450/3€30k€53k▲
Remuneration and social security454/9€2k€10k▲
Other amounts payable47/48€2k€45k▲
Accrued charges and deferred income492/3-€53k
Income statement
Code20242025
Remuneration, social security and pensions62€520€56k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€936€3k▲
Non-recurring operating charges66A-€639
Gross operating margin9900€45k€128k▲
Operating profit (loss)9901€42k€66k▲
Financial income75/76B€94€17▼
Recurring financial income75€94€17▼
Financial charges65/66B€1k€4k▲
Recurring financial charges65€1k€4k▲
Profit (loss) for the period before taxes9903€41k€62k▲
Income taxes67/77€9k€16k▲
Profit (loss) for the period9904€32k€45k▲
Profit (loss) for the period to be appropriated9905€32k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€77k▲
Profit (loss) brought forward from the previous period14P€469€32k▲
Profit to be distributed694/7-€45k
Return on contributions (dividend)694-€45k
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
25-03
State Gazette act
Registered officeGeneral meeting · Registered-office move · Power of attorney3 facts ▸
State Gazette act
Registered office
General meeting · Registered-office move · Power of attorney3 facts ▸
- General meeting, 22/02/2026
- Registered-office move, Gaversesteenweg 422 Bus 1, 9820 Merelbeke
- Power of attorney, BV Balan'z
2025
31-12
Financial
Highest result since 2022net €45k ▲41.9%
Operating result €66k, net result €45k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €32k
Net result €32k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-618 ▼157%
Net result drops to €-618, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 7 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Merelbeke-Melle · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Gaversesteenweg 4229820 Merelbeke-MelleGround area
1,818 m²
Building footprint
197 m²
Parcel 44412B1047/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
CREACT
since 20212.326.307.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B1047/00A000 | Flanders | 1,818 m² | 1 · 197 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 65 EUR awarded · 65 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 65 EUR | 65 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
JACH Consult
BE 0716.945.707
Ukkel · Eq €35k
DRMAN
BE 0794.515.023
Nieuwpoort · Eq €35k
Globally Responsible Leadership Initative Foundation
BE 0808.174.702
Elsene · Eq €35k
I HAVE
BE 1005.529.318
Beveren-Kruibeke-Zwijndrecht · Eq €35k
AEBI
BE 0643.617.962
Perwez · Eq €35k
Of 4,575 companies in sector 82300 we hold annual accounts for 1,669. 1,220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2021
Fiscal year end31-12
Activities, NACEBEL
56210Event catering
82300Organisation of conventions and trade shows
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82990Other business support services
90021Arts creation and performing arts activities
90391Promotion and organisation of arts and performing arts events
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.