CREAGILITY
ActiveSummary
CREAGILITY has been active since 2008 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2024 annual accounts show equity of €30,785 and a net result of €21,014. Equity is shrinking by ~7.5% per year across the filed fiscal years. Its solvency ranks better than 28% of 2546 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability83▼-7
Solvency42▲+12
Growth58=
Track record92
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1,500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.14 against 0.98 in 2023; short-term debt: 83.3% and cash: 7.6% of total assets), and 83.3% of the assets are financed with debt.
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Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Education (NACE 85)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
16.7%
Return on assets
11.4%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-12-2025, 133 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
133 d late
2023
498 d late
2022
262 d late
2021
627 d late
2020
167 d late
2019
153 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 307 days after the deadline; the sector median for financial year 2024 is 16 days before the deadline, and 32% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
UBO non-compliance
History
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Financials · fiscal year 2024, micro schema
Equity
€30,785▲ 215%
2023 · €9,771
Total assets
€184,070▼ 11.7%
2023 · €208,521
Net result
€21,014▼ 41.1%
2023 · €35,701
Working capital
€21,850
2023 · -€3,014
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 85, Education, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20202021202220232024
Operating result€2,898▼ 77.9%-€46,655-€13,460▲ 71.2%€48,859€30,499▼ 37.6%
Net result€856within the sector's middle half▼ 82.3%-€52,881below the sector's middle half-€13,065below the sector's middle half▲ 75.3%€35,701above the sector's middle half€21,014within the sector's middle half▼ 41.1%
Equity€40,016within the sector's middle half▲ 2.2%-€12,865below the sector's middle half-€25,930below the sector's middle half▼ 102%€9,771within the sector's middle half€30,785within the sector's middle half▲ 215%
Total assets€305,844above the sector's middle half▲ 17.3%€266,492within the sector's middle half▼ 12.9%€178,377within the sector's middle half▼ 33.1%€208,521within the sector's middle half▲ 16.9%€184,070within the sector's middle half▼ 11.7%
Debt€265,828▲ 20.0%€279,357▲ 5.1%€204,307▼ 26.9%€198,750▼ 2.7%€153,285▼ 22.9%
Working capital€15,372within the sector's middle half▼ 50.3%-€35,870below the sector's middle half-€43,790below the sector's middle half▼ 22.1%-€3,014within the sector's middle half▲ 93.1%€21,850within the sector's middle half
Solvency13.1%within the sector's middle half▼ 1.9pp-4.8%below the sector's middle half▼ 17.9pp-14.5%below the sector's middle half▼ 9.7pp4.7%below the sector's middle half▲ 19.2pp16.7%within the sector's middle half▲ 12.0pp
Current ratio1.06within the sector's middle half▼ 0.080.87within the sector's middle half▼ 0.190.78below the sector's middle half▼ 0.090.98within the sector's middle half▲ 0.201.14within the sector's middle half▲ 0.16
Return on assets (ROA)0.3%within the sector's middle half▼ 1.6pp-19.8%below the sector's middle half▼ 20.1pp-7.3%below the sector's middle half▲ 12.5pp17.1%within the sector's middle half▲ 24.4pp11.4%within the sector's middle half▼ 5.7pp
above
within
below
the middle half (P25 to P75) of NACE 85, Education, 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 2024; 2024 is 38% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €184,070
Fixed assets
€8,935 ▼ 30.1%
Current assets
€175,135 ▼ 10.5%
Equity and liabilities €184,070
Equity
€30,785 ▲ 215%
Debt
€153,285 ▼ 22.9%
Debt's share of the balance-sheet total falls from 95.3% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€37,266▼
2023 · €55,497
Cash flow
€27,781▼
2023 · €42,339
Debt to equity
4.98▼
2023 · 20.34
ROE
68.3%▼
2023 · 365.4%
Interest coverage
28.54▼
2023 · 47.57
Debt ≤ 1 year
€153,285▼
2023 · €198,750
Income taxes
€8,205▼
2023 · €12,007
Staff costs
€67
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 5,053 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
- 10 to 20 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.4%
stopped otherwise
96%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 0.4% 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 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% 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 5,053 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 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | - | - | - | - | €67 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €7,640 | €6,986 | €6,595 | €6,638 | €6,767 | ▲ 2.0% |
| Other operating charges640/8 | - | €5,379 | €8,041 | €1,813 | €1,355 | ▼ 25.3% |
| Non-recurring operating charges66A | - | €1,500 | - | - | - | - |
| Gross operating margin9900 | €13,886 | -€32,790 | €1,176 | €57,310 | €38,689 | ▼ 32.5% |
| Operating profit (loss)9901 | €2,898 | -€46,655 | -€13,460 | €48,859 | €30,499 | ▼ 37.6% |
| Financial income75/76B | - | €17 | €925 | €15 | €26 | ▲ 66.8% |
| Recurring financial income75 | - | €17 | €925 | €15 | €26 | ▲ 66.8% |
| Financial charges65/66B | - | €6,243 | €531 | €1,167 | €1,306 | ▲ 11.9% |
| Recurring financial charges65 | €2,042 | €6,243 | €531 | €1,167 | €1,306 | ▲ 11.9% |
| Profit (loss) for the period before taxes9903 | €856 | -€52,881 | -€13,065 | €47,708 | €29,219 | ▼ 38.8% |
| Income taxes67/77 | - | - | - | €12,007 | €8,205 | ▼ 31.7% |
| Profit (loss) for the period9904 | €856 | -€52,881 | -€13,065 | €35,701 | €21,014 | ▼ 41.1% |
| Profit (loss) for the period to be appropriated9905 | €856 | -€52,881 | -€13,065 | €35,701 | €21,014 | ▼ 41.1% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €305,844 | €266,492 | €178,377 | €208,521 | €184,070 | ▼ 11.7% |
| Fixed assets21/28 | €26,207 | €24,568 | €19,423 | €12,785 | €8,935 | ▼ 30.1% |
| Intangible fixed assets21 | €24,047 | €19,235 | €14,423 | €9,611 | €4,799 | ▼ 50.1% |
| Tangible fixed assets22/27 | €1,460 | €4,633 | €4,300 | €2,474 | €3,436 | ▲ 38.9% |
| Furniture and vehicles24 | - | €4,633 | €4,300 | €2,474 | €3,436 | ▲ 38.9% |
| Financial fixed assets28 | €700 | €700 | €700 | €700 | €700 | = |
| Current assets29/58 | €279,637 | €241,924 | €158,955 | €195,736 | €175,135 | ▼ 10.5% |
| Amounts receivable within one year40/41 | €181,007 | €182,728 | €158,035 | €187,148 | €156,504 | ▼ 16.4% |
| Trade receivables40 | - | €155,355 | €127,372 | €157,536 | €124,224 | ▼ 21.1% |
| Other amounts receivable41 | - | €27,373 | €30,663 | €29,612 | €32,280 | ▲ 9.0% |
| Current investments50/53 | - | - | - | €4,651 | €4,651 | = |
| Cash at bank and in hand54/58 | €2,740 | €12,261 | €920 | €3,937 | €13,925 | ▲ 254% |
| Deferred charges and accrued income490/1 | - | €46,935 | - | - | €56 | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €305,844 | €266,492 | €178,377 | €208,521 | €184,070 | ▼ 11.7% |
| Equity10/15 | €40,016 | -€12,865 | -€25,930 | €9,771 | €30,785 | ▲ 215% |
| Contributions10/11 | - | €12,400 | €12,400 | €12,400 | €12,400 | = |
| Outside capital11 | - | €12,400 | €12,400 | - | - | - |
| Other1109/19 | - | €12,400 | €12,400 | - | - | - |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €18,385 | ▲ 888% |
| Non-distributable reserves130/1 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | - | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Distributable reserves133 | - | - | - | - | €16,525 | - |
| Profit (loss) carried forward14 | €25,756 | -€27,125 | -€40,190 | -€4,489 | €0 | ▲ 100% |
| Amounts payable17/49 | €265,828 | €279,357 | €204,307 | €198,750 | €153,285 | ▼ 22.9% |
| Amounts payable within one year42/48 | €264,265 | €277,794 | €202,745 | €198,750 | €153,285 | ▼ 22.9% |
| Trade debts44 | €73,522 | €137,685 | €23,979 | €23,073 | €4,857 | ▼ 78.9% |
| Suppliers440/4 | - | €137,685 | €23,979 | €23,073 | €4,857 | ▼ 78.9% |
| Taxes, remuneration and social security45 | - | €94,045 | €139,028 | €26,634 | €29,990 | ▲ 12.6% |
| Taxes450/3 | - | €94,045 | €139,028 | €26,634 | €29,990 | ▲ 12.6% |
| Remuneration and social security454/9 | - | - | - | €0 | - | - |
| Other amounts payable47/48 | - | €46,064 | €39,737 | €149,043 | €118,438 | ▼ 20.5% |
| Accrued charges and deferred income492/3 | - | €1,563 | €1,563 | €0 | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €856 | -€52,881 | -€13,065 | €35,701 | €21,014 | ▼ 41.1% |
| + Depreciation and write-downs630 | €7,640 | €6,986 | €6,595 | €6,638 | €6,767 | ▲ 2.0% |
| Operating cash flow (approximation) | €8,496 | -€45,895 | -€6,470 | €42,339 | €27,781 | ▼ 34.4% |
| Investment in fixed assets (approximation) | - | -€5,347 | -€1,450 | €0 | -€2,917 | - |
| Change in cash | - | €9,521 | -€11,341 | €3,017 | €9,988 | ▲ 231% |
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
2025
11-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 133 days late
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 498 days late
2024
24-12
KBO administration
UBO non-compliance
event 09-12-2024
18-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 262 days late
18-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 627 days late
2023
31-12
Financial
Back to profitnet €35,701
Net result €35,701 after 2 loss-making years.
2022
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 167 days late
2021
31-12
Financial
Weakest financial yearnet -€52,881
Net result drops to -€52,881, the lowest in the series; recovery starts the following year.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 153 days late
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
14-11
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 106 days late
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Mont-Saint-Guibert · 1 establishment unit since 2008
Ground area
624 m²
Building footprint
119 m²
Volume, LiDAR
925 m³
Parcel 25040A0012/00Y023, Wallonia · tallest building 9.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CREAGILITY
since 20082.175.495.016
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25040A0012/00Y023 | Wallonia | 624 m² | 1 · 119 m² | 9.8 m · 3 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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Of 3,020 companies in sector 85592 we hold annual accounts for 991. 644 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 (pre-2019)
Founded02-06-2008
Fiscal year end31-12
Activities, NACEBEL 2025
85592Vocational training
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
Contact
Phone
0475/412554
E-invoicing
Reachable via Peppol
Peppol ID
0208:0898287801
Also
9925:BE0898287801
Registered
02-04-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.