Creadvice

Active

Private limited company (pre-2019)founded 2011active for 15 yearsHardenvoort 3, 2060 Antwerpen, BelgiumKBO/BCE: BE 0837.906.190

Summary

Creadvice has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€6,873) and a net result of €15,276. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 39,184 sector peers (NACE 70, financial year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).

Risk analysisFollow Report Compare

CreadviceActiveChecked score 55/100

Risk analysis Report Compare

Activity

Business and other management consultancy

NACE 70200

1 site

Size

≈ €100,000turnover 2025, estimated

Equity: -€6,873
Profit: €15,276

Turnover estimated from the gross margin

Financial health

55 Fair Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.3%

Structure

2025 accounts 8 days early3 deeds in the Belgian Official Gazette

Why 55raises riskCapped at 59: negative equityNegative equity -€6,873Liquidity: current ratio 0.47lowers riskSize: total assets €15,393Sector: Activities of head offices; management consultancy activities (NACE 70)Show the evidence

Checked score

Score 2025

55 / 100

Fair

Probability in this band: 1.5% to 4.2%

Financially better than 43% of its sector peers (NACE 70, micro)

Negative equity caps the score at 59. Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Weak

Solvency 0=

equity -44.6% of total assets

Liquidity 0=

short-term debt 144.6%

Profitability 100+100

return on assets 99.2%

Bankruptcy probability, 12 months

0.3% Very low

0%0.5%1.5%4%10%≥ 25%

About 3 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,471 companies, NACE 70, micro)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025lowest value 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.9%▲ +0.8 percentage points vs 06-2025 08-2025: 0.9%● unchanged vs 07-2025 09-2025: 0.9%● unchanged vs 08-2025 10-2025: 0.9%● unchanged vs 09-2025 11-2025: 0.9%● unchanged vs 10-2025 12-2025: 0.9%● unchanged vs 11-2025 01-2026: 0.9%● unchanged vs 12-2025 02-2026: 0.9%● unchanged vs 01-2026 03-2026: 0.9%● unchanged vs 02-2026 04-2026: 0.9%● unchanged vs 03-2026highest value 05-2026: 0.9%● unchanged vs 04-2026 06-2026: 0.9%● unchanged vs 05-2026 07-2026: 0.9%● unchanged vs 06-2026 08-2026: 0.3%▼ -0.6 percentage points vs 07-2026 09-2026: 0.3%● unchanged vs 08-2026 10-2026: 0.3%● unchanged vs 09-2026

No credit on open account

Liquidity insufficient (current ratio 0.47, compared with 0.09 in 2024, below 1; short-term debt: 144.6% of total assets), and equity is negative.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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): better than 3% on solvency, 0% on liquidity, 84% on profitability and 85% on growth.

The bankruptcy probability was computed on 28-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Six signals.

lowers riskraises riskneutral

Size: total assets €15,393

Companies of this size fail less often; how much that weighs depends on the rest of its profile.

NBB · annual accounts

Negative equity -€6,873

NBB · annual accounts

Liquidity: current ratio 0.47

NBB · annual accounts

Sector: Activities of head offices; management consultancy activities (NACE 70)

KBO

Weak solvency vs sector

Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 39184 sector peers (2025).

NBB · sector comparison

Position among 39184 sector peers

Solvency

better than 5%

← weakest strongest →

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.

NBB · 10 filings

Deviation from the deadline

2025

8 days early

2024

31 days early

2023

7 days early

2022

20 days early

2021

32 days early

2020

29 days early

2019

32 days early

← 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 23 days before the deadline; the sector median (NACE 70) for financial year 2024 is 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)

Next filing not due yet

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 11 July (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

29-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

23-07-2026 Annual accounts filedfinancial year 2025 · micro…
31-12-2025 Back to profitnet €15,276
30-06-2025 Annual accounts filedfinancial year 2024 · micro…

Key points

Risk: Negative equityfinancial year 2025: debts exceed assets -€6,873 View
Caution: Among the weakest 5% on solvencysector median 55.6% · 39,184 companies -44.6% View
Positive: Back in profit in 2025after -€38,295 in 2024 €15,276 View
Positive: Filed on time since financial year 2018accounts within the deadline every year 8 years View

By topic

Financials

Financial year: 2025
Total assets: €15,393
Profit: €15,276
Solvency: -44.6%

Total assets▼ 10.4%

Net result

20182025

Go to Financials

Timeline

Events: 18
Since: 2013
Next accounts: by 31-07-2027

31-12-2024Weakest financial year
24-07-2024Annual accounts filed
31-12-2023Back to profit

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Business and other management consultancyNACE 70200
Founded: 08-07-2011
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about Creadvice

What is the company number of Creadvice?: 0837.906.190. In Belgium the VAT number is the company number with BE in front: BE 0837.906.190.
Where is Creadvice based?: The registered office is at Hardenvoort 3, 2060 Antwerpen.Company details
What does Creadvice do?: According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of Creadvice?: Private limited company (pre-2019) (BVBA).
When was Creadvice founded?: On 08-07-2011.
Is Creadvice still active?: Yes, Creadvice is an active enterprise in the KBO register.
What is the turnover of Creadvice?: Not stated in the processed annual accounts. The abridged format for small companies does not require turnover.Financials
Is Creadvice profitable?: In financial year 2025, Creadvice made a profit of €15,276.
Where can I find the annual accounts of Creadvice?: Creadvice filed 14 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of Creadvice due?: By 31-07-2027, for financial year 2026.Timeline