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Generated 27-07-2026
Active BE 0465.229.915General partnership

CREAFISC

Natendries 23 ·9700 Oudenaarde, Belgium· 27 yrs active
Sector: Accountants (69201)
Conclusion Checked

The computed 12-month bankruptcy probability of CREAFISC is 0.3% (very low). The 2021 annual accounts show negative equity (€-20k) and a net result of €-40k. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 5% of 1506 sector peers (fiscal year 2021). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 3 annual accounts.
Key figures
Equity €-20k
Net result €-40k
Better than sector 5%
Active 27 yrs
Snowflake analysis 5 axes · computed by Checked
Health17Profitability100Solvency0Growth32Stability100
50 / 100

Mixed profile: strong on profitability, weaker on solvency.

Health 17
Profitability 100
Solvency 0
Growth 32
Stability 100
Bankruptcy probability (12 mo) Checked model v1 · free
0.3% Very low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile +Lower-failure-rate sector −Lower-risk legal form −

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based
0 / 100
Low risk
Trust signals 3 signals
Long-established
Founded in 1999, 27 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.
Administratively compliant
No FOD Economie strikeouts (UBO, accounts, address, activity).
Administrative Flags 0 events
No administrative flags
Health barometer FY 2021 · computed
17 / 100 Critical
050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.
Financial overview10 NBB filings
Annual accounts filed on 28-12-2021 with the NBB · fiscal year 2021 · micro
€-60k€-40k€-20k€0Operating result 2019: €549€549Net result 2019: €-36k€-36kOperating result 2020: €-373€-373Net result 2020: €-37k€-37kOperating result 2021: €-2k€-2kNet result 2021: €-40k€-40k201920202021
Operating resultNet result
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining Equity: declining trend of ~12.1%/year over 3 fiscal years, indicative, assuming unchanged policy.
€-30k€-25k€-20k€-15k2022: €-22k (€-24k - €-20k)2023: €-24k (€-26k - €-22k)2024: €-26k (€-28k - €-24k)2019: €-16k2020: €-17k2021: €-20k201920202021202220232024
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?

The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.

The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.

A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).

Sector comparison
Fiscal year 2021 · NACE 69, Legal & accounting · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency -1025.9% 51.0%
better than 5% of 1506 sector peers
Net result €-3k €24k
better than 5% of 1505 sector peers
Equity €-20k €36k
better than 5% of 1506 sector peers
Gross operating margin €-1k €44k
better than 5% of 1503 sector peers
Total assets €2k €89k
better than 5% of 1506 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€-40k
-9.4% far below sector median
Total assets
€2k
-48.1% -99% vs sector
Equity
€-20k
-21.1% far below sector median
Working capital
€-20k
-21.3% far below sector median
Income taxes
€0
- -100% vs sector
Debt
€22k
+8.2% -87% vs sector
Debt ≤ 1y
€22k
+8.3% -86% vs sector
Current ratio
0.09
-52.1% -92% vs sector
Quick ratio
0.09
-16.8% -92% vs sector
Solvency
-1025.9%
-133.4% far below sector median
ROE
202.3%
-9.6% +200% vs sector
ROA
-2075.1%
-110.9% far below sector median
Figures by fiscal year
Fiscal year2021
Revenue-
EBITDA-
Net profit€-40k
Cash flow-
Staff costs-
Income taxes-
Dividends-
Total assets€2k
Equity€-20k
Debt€22k
of which ≤ 1y€22k
of which > 1y-
Working capital€-20k
Employees (FTE)-
Ratios (computed)
2021
Current ratio0.09
Quick ratio0.09
Working capital ratio-1017.0%
Solvency-1025.9%
Debt / equity-
Long-term debt ratio-
Interest coverage-
Gross margin-
Net margin-
ROA-2075.1%
ROE202.3%
EBITDA margin-
Days sales outstanding-
Days payable outstanding-
Inventory turnover-
Days inventory (DSI)-
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2021
Balance sheet, Assets
TOTAL ASSETS 20/58€2k
Current assets 29/58€2k
Amounts receivable within one year 40/41€2k
Cash & bank 54/58€399
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€2k
Equity 10/15€-20k
Reserves 13€2k
Accumulated profits (losses) 14€-40k
Amounts payable 17/49€22k
Amounts payable within one year 42/48€22k
Trade debts payable within one year 44€144
Income statement
Gross operating margin 9900€-1k
Operating result 9901€-2k
Financial income 75€13
Financial charges 65€2k
Result before taxes 9903€-3k
Net result for the period 9904€-3k
Result to be appropriated 9905€-3k
You're seeing the latest fiscal year only. Unlock 2 prior years (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.
Legal Structure
NACE primary Accountants(69201)
Legal form General partnership(011)
Incorporation12-01-1999
StatusActive
Postal code9700
Establishment units 3 locations
Creafisc
Natendries 23, 9700 OudenaardeActiviteiten van gecertificeerde belastingadviseurs
since 20222.335.878.873
Creafisc
Griendeplein 4A, 9000 GentActiviteiten van gecertificeerde belastingadviseurs
since 20242.363.453.993
Creafisc
Louis D'Haeseleerstraat 70, 9300 AalstActiviteiten van (gecertificeerde) (fiscaal) accountants
since 20252.379.989.624
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Real-estate footprint Source: CBE × cadastre

Parcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.

Flanders 3 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
45021A1732/00C000 Flanders 1,791 m² 1 · 189 m² 8.7 m · 2 fl.
44810K0070/00X000 Flanders 67 m² 1 · 93 m² 16.8 m · 1 fl.
41002A1749/00B000 Flanders 56 m² 1 · 43 m² 10.8 m · 3 fl.
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Updates 13 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2023
06-03-2023
State Gazette act Capital & shares
2022
28-12-2022
State Gazette act Registered-office change
17-08-2022
State Gazette act Director changes
Nathalie HOMBROUCKX
2021
28-12-2021
NBB filing Annual accounts filed
fiscal year 2021 · micro
2020
15-11-2020
NBB filing Annual accounts filed
fiscal year 2020 · micro
10-01-2020
NBB filing Annual accounts filed
fiscal year 2019 · micro
2019
07-01-2019
NBB filing Annual accounts filed
fiscal year 2018 · micro
2018
30-01-2018
NBB filing Annual accounts filed
fiscal year 2017 · micro
2016
31-12-2016
NBB filing Annual accounts filed
fiscal year 2016 · verkort
2015
22-12-2015
NBB filing Annual accounts filed
fiscal year 2015 · verkort
2014
29-12-2014
NBB filing Annual accounts filed
fiscal year 2014 · verkort
21-01-2014
NBB filing Annual accounts filed
fiscal year 2013 · verkort
2013
07-02-2013
NBB filing Annual accounts filed
fiscal year 2012 · verkort
Belgisch Staatsblad, acts 3 acts
Capital history · 1
06-03-2023
Capital change
Address history · 1
28-12-2022
Registered-office move
All acts · 3 updated 3 years ago
2023
06-03-2023 Transaction in capital or shares Capital & shares
Technical details 
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      "subscribers": [
        {
          "kbo": "0776.975.344",
          "rrn": null,
          "kind": "person",
          "name": "Jochen BROWAEYS",
          "share_class": null,
          "liberation_pct": null,
          "contribution_kind": null,
          "n_shares_subscribed": null,
          "contribution_amount_eur": null
        },
        {
          "kbo": "0466.523.082",
          "rrn": null,
          "kind": "org",
          "name": "BV OVERVELD",
          "share_class": null,
          "liberation_pct": null,
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          "contribution_amount_eur": null
        }
      ],
      "decrease_purpose": null,
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      "paid_up_delta_eur": null,
      "n_shares_destroyed": null,
      "not_yet_called_eur": null,
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      "merger_exchange_ratio": null,
      "distribution_amount_eur": null,
      "statutory_unavailable_equity_op": null
    }
  ],
  "notary": {
    "name": null,
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  },
  "act_meta": {
    "language": "nl",
    "pub_date": null,
    "filing_date": "2023-02-03",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
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    "act_date": null,
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    "under_authorized_capital": false,
    "underlying_resolution_date": null
  },
  "bedrijfsrevisor": null,
  "subject_company": {
    "kbo": "0465.229.915",
    "name_full": "CREAFISC",
    "legal_form": "VOF",
    "is_foreign_registered": false
  },
  "publication_proxy": {
    "kind": "none",
    "org_kbo": null,
    "org_name": null,
    "person_name": null,
    "org_rep_person_name": null,
    "person_role_at_subject": null
  },
  "co_filed_documents": [],
  "shareholders_after": [],
  "share_classes_after": []
}
2022
28-12-2022 Registered office moved from Gent to Oudenaarde Registered-office change
  • Diksmuidestraat 2-9000 Gent → Natendries 23 te 9700 Oudenaarde
Technical details 
{
  "events": [
    {
      "kind": "zetel_transfer",
      "seat_type": "siege_social",
      "new_address": {
        "raw": "Natendries 23 te 9700 Oudenaarde",
        "city": "Oudenaarde",
        "region": "vlaams_gewest",
        "street": "Natendries",
        "country": "BE",
        "postcode": "9700",
        "box_number": null,
        "street_number": "23",
        "locality_suffix": null
      },
      "old_address": {
        "raw": "Diksmuidestraat 2-9000 Gent",
        "city": "Gent",
        "region": "vlaams_gewest",
        "street": "Diksmuidestraat",
        "country": "BE",
        "postcode": "9000",
        "box_number": null,
        "street_number": "2",
        "locality_suffix": null
      },
      "effective_date": "2022-10-21",
      "evidence_quote": "",
      "region_changed": false,
      "is_statute_change": true,
      "nationality_change": false,
      "old_address_source": "header_volledig_adres",
      "statute_clause_text": null,
      "statute_article_number": null,
      "effective_date_qualifier": "absolute",
      "statutaire_vs_werkelijke": "statutaire",
      "linguistic_region_changed": false,
      "court_jurisdiction_changed": false,
      "effective_date_is_approximate": false
    }
  ],
  "notary": {
    "name": null,
    "firm_city": null,
    "firm_name": null,
    "office_city": null,
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-12-28",
    "filing_date": "2022-12-16",
    "act_kind_objet": "Onderwerp akte:"
  },
  "decision": {
    "body": "enige_aandeelhouder_schriftelijk",
    "date": "2022-12-16",
    "unanimous": true
  },
  "subject_company": {
    "kbo": "0465.229.915",
    "name_full": "Creafisc",
    "legal_form": "VOF"
  },
  "publication_proxy": {
    "kind": "person",
    "org_kbo": null,
    "org_name": null,
    "person_name": "Johan Batteauw",
    "org_rep_person_name": null,
    "person_role_at_subject": "Zaakvoerder"
  },
  "co_filed_documents": []
}
17-08-2022 1 director appointed, 1 resigning Director changes·Nathalie HOMBROUCKX
  • BATTEAUW Johan, Zaakvoerder
  • BATTEAUW Johan, Bestuurder
Notary: Nathalie HOMBROUCKX · Oudenaarde
Technical details 
{
  "events": [
    {
      "kind": "director_out",
      "role": "bestuurder",
      "person": {
        "rrn": "56.09.26-149.19",
        "name": "BATTEAUW Johan",
        "address": "9700 Oudenaarde, Natendries 23",
        "birth_date": "1956-09-26",
        "profession": null,
        "birth_place": "Oudenaarde"
      },
      "reason": "end_of_term",
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-07-19",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "director_in",
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      "person": {
        "rrn": "56.09.26-149.19",
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        "address": "9700 Oudenaarde, Natendries 23",
        "birth_date": "1956-09-26",
        "profession": null,
        "birth_place": "Oudenaarde"
      },
      "reason": null,
      "subkind": "confirmation",
      "via_org": null,
      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2022-07-19",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": {
        "kind": "indefinite",
        "value": null
      },
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "bestuurder",
      "person": {
        "rrn": "56.09.26-149.19",
        "name": "BATTEAUW Johan",
        "address": "9700 Oudenaarde, Natendries 23",
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        "profession": null,
        "birth_place": "Oudenaarde"
      },
      "reason": null,
      "subkind": null,
      "via_org": null,
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-07-19",
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "decharge_granted",
      "role": "zaakvoerder",
      "person": {
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      },
      "reason": null,
      "subkind": null,
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      "statutory": "statutair",
      "compensated": false,
      "effective_date": "2022-07-19",
      "evidence_quote": "",
      "decharge_status": "granted",
      "mandate_duration": {
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      },
      "rep_rotation_new_rep": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "substantive_delegation",
      "role": "dagelijks_bestuur",
      "person": {
        "rrn": "63 06 03 445 54",
        "name": "HEYSE Lieven Firmin",
        "address": "9660 Brakel, Okkerbeke 2",
        "birth_date": "1963-06-03",
        "profession": null,
        "birth_place": "Opbrakel"
      },
      "reason": null,
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    },
    {
      "kind": "substantive_delegation",
      "role": "bestuurder",
      "person": {
        "rrn": "97.05.14-309.82",
        "name": "BROWAEYS Jochen Roland Marga",
        "address": "9700 Oudenaarde, Daalbosstraat 15",
        "birth_date": "1997-05-14",
        "profession": null,
        "birth_place": "Oudenaarde"
      },
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "substantive_delegation",
      "role": "vaste_vertegenwoordiger",
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      },
      "reason": null,
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      "via_org": null,
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      "compensated": null,
      "effective_date": "2022-07-17",
      "evidence_quote": "",
      "decharge_status": null,
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      "effective_date_qualifier": "immediate"
    },
    {
      "kind": "substantive_delegation",
      "role": "bedrijfsrevisor",
      "person": {
        "rrn": null,
        "name": "DE CLERCQ Bert",
        "address": null,
        "birth_date": null,
        "profession": "Bedrijfsrevisor",
        "birth_place": null
      },
      "reason": null,
      "subkind": null,
      "via_org": {
        "kbo": null,
        "name": "J. VANDE MOORTEL EN Bedrijfsrevisoren",
        "address": "9700 Oudenaarde, Jacob Lacopsstraat 20/0207",
        "country": "BE",
        "legal_form": "BV"
      },
      "statutory": null,
      "compensated": null,
      "effective_date": "2022-07-15",
      "evidence_quote": "",
      "decharge_status": null,
      "mandate_duration": null,
      "rep_rotation_new_rep": null,
      "rep_rotation_old_rep": null,
      "effective_date_qualifier": "immediate"
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  ],
  "notary": {
    "name": "Nathalie HOMBROUCKX",
    "firm_city": null,
    "firm_name": null,
    "office_city": "Oudenaarde",
    "is_associated": false
  },
  "act_meta": {
    "language": "nl",
    "pub_date": "2022-08-17",
    "filing_date": "2022-08-04",
    "act_kind_objet": "OMZETTING BESLOTEN VENNOOTSCHAP NAAR VENNOOTSCHAP ONDER FIRMA"
  },
  "decisions": [
    {
      "body": "algemene_vergadering",
      "date": "2022-07-19",
      "unanimous": true
    }
  ],
  "is_correction": false,
  "subject_company": {
    "kbo": "0465.229.915",
    "name_full": "CREAFISC",
    "legal_form": "BV"
  },
  "publication_proxy": {
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    "org_name": "Nathalie HOMBROUCKX, notarisvennootschap",
    "person_name": null,
    "org_rep_person_name": "Nathalie Hombrouckx",
    "person_role_at_subject": null
  },
  "co_filed_documents": [
    "expeditie van proces-verbaal",
    "verslag bestuurder",
    "verslag bedrijfsrevisor",
    "co\u00F6rdinatie der statuten"
  ],
  "corrected_publication_numac": null
}
Credit advice verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.
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Company registry (CBE) Crossroads Bank
Activities
Activiteiten van (gecertificeerde) (fiscaal) accountants69201Boekhouders en boekhouders-fiscalisten69202
Primary activity highlighted.
Names & trade names
Legal nameNL CREAFISC
Registered office
Natendries 23
9700 Oudenaarde, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.
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BEFISCO BE 0429.652.986 · Merelbeke-Melle
Source: Belgian State Gazette, CBE, NBB · generated via checked.be · indicative