CREARTIX
ActiveSummary
CREARTIX has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €35,650 and a net result of €9,298. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 26% of 13085 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability78▼-2
Solvency53▼-2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2,000 at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.8 in 2024; short-term debt: 54.8% and cash: 5.9% of total assets), and 72.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Legal and accounting activities (NACE 69)
about 77% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
27.9%
Return on assets
7.3%
Age of the figures
9 mo
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-09-2026, 42 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 6 filingsDeviation from the deadline
2025
42 d late
2024
206 d early
2023
181 d early
2022
33 d early
2021
187 d early
2020
85 d early
← 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 108 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% 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. Usually files around 1 February (4 of the last 5 filed years within 147 days of that day).
Companies Code · seven monthsPosition in the running window
01-10-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€35,650▲ 27.0%
2024 · €28,070
Total assets
€127,642▲ 34.5%
2024 · €94,932
Net result
€9,298▲ 13.2%
2024 · €8,214
Working capital
€17,510▼ 8.7%
2024 · €19,180
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 69, Legal and accounting activities, 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
Line20212022202320242025
Operating result€16,777▲ 624%€3,824▼ 77.2%€4,691▲ 22.7%€13,400▲ 186%€16,352▲ 22.0%
Net result€11,813within the sector's middle half▲ 547%€2,088below the sector's middle half▼ 82.3%€1,928below the sector's middle half▼ 7.7%€8,214below the sector's middle half▲ 326%€9,298below the sector's middle half▲ 13.2%
Equity€15,840below the sector's middle half▲ 228%€17,928below the sector's middle half▲ 13.2%€19,856below the sector's middle half▲ 10.8%€28,070below the sector's middle half▲ 41.4%€35,650within the sector's middle half▲ 27.0%
Total assets€36,333below the sector's middle half▼ 30.7%€42,411below the sector's middle half▲ 16.7%€57,259below the sector's middle half▲ 35.0%€94,932within the sector's middle half▲ 65.8%€127,642within the sector's middle half▲ 34.5%
Debt€20,494▼ 56.9%€24,484▲ 19.5%€37,402▲ 52.8%€66,862▲ 78.8%€91,991▲ 37.6%
Working capital€15,680within the sector's middle half▼ 10.7%€13,880within the sector's middle half▼ 11.5%€11,832within the sector's middle half▼ 14.8%€19,180within the sector's middle half▲ 62.1%€17,510within the sector's middle half▼ 8.7%
Solvency43.6%within the sector's middle half▲ 34.4pp42.3%within the sector's middle half▼ 1.3pp34.7%within the sector's middle half▼ 7.6pp29.6%below the sector's middle half▼ 5.1pp27.9%within the sector's middle half▼ 1.6pp
Current ratio2.89within the sector's middle half▲ 1.121.88within the sector's middle half▼ 1.001.45within the sector's middle half▼ 0.431.80within the sector's middle half▲ 0.351.25within the sector's middle half▼ 0.55
Return on assets (ROA)32.5%above the sector's middle half▲ 29.0pp4.9%within the sector's middle half▼ 27.6pp3.4%below the sector's middle half▼ 1.6pp8.7%within the sector's middle half▲ 5.3pp7.3%within the sector's middle half▼ 1.4pp
above
within
below
the middle half (P25 to P75) of NACE 69, Legal and accounting 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
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 22% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127,642
Fixed assets
€40,167 ▼ 22.4%
Current assets
€87,474 ▲ 103%
Equity and liabilities €127,642
Equity
€35,650 ▲ 27.0%
Debt
€91,991 ▲ 37.6%
Debt's share of the balance-sheet total rises from 70.4% to 72.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€28,859▲
2024 · €20,776
Cash flow
€21,805▲
2024 · €15,590
Quick ratio
1.04▼
2024 · 1.29
Debt to equity
2.58▲
2024 · 2.38
ROE
26.1%▼
2024 · 29.3%
Interest coverage
13.54▼
2024 · 16.70
Debt ≤ 1 year
€69,965▲
2024 · €23,970
Debt > 1 year
€22,027▼
2024 · €42,892
Income taxes
€5,000▲
2024 · €4,015
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,713 companies that looked in July 2024 the way this one looks now, 1.8% went bankrupt within 24 months and 96% are still going.
- Micro
- 5 to 10 years old
- solvency 10 to 30%
- a profit of 5% of the balance sheet or more
1.8%
went bankrupt
2.2%
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 lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,341 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 6,713 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 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €20 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €4,823 | €5,981 | €5,903 | €7,376 | €12,507 | ▲ 69.6% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | €578 | €0 | €709 | - |
| Other operating charges640/8 | - | €787 | €1,976 | €1,508 | €2,815 | ▲ 86.7% |
| Non-recurring operating charges66A | - | - | - | €1,813 | €0 | ▼ 100% |
| Gross operating margin9900 | €23,073 | €10,592 | €13,148 | €24,098 | €32,383 | ▲ 34.4% |
| Operating profit (loss)9901 | €16,777 | €3,824 | €4,691 | €13,400 | €16,352 | ▲ 22.0% |
| Financial income75/76B | - | €263 | €32 | €73 | €78 | ▲ 6.4% |
| Recurring financial income75 | €3 | €263 | €32 | €73 | €78 | ▲ 6.4% |
| Financial charges65/66B | - | €1,775 | €2,007 | €1,244 | €2,131 | ▲ 71.4% |
| Recurring financial charges65 | €1,187 | €1,775 | €2,007 | €1,244 | €2,131 | ▲ 71.4% |
| Profit (loss) for the period before taxes9903 | €15,593 | €2,311 | €2,717 | €12,230 | €14,298 | ▲ 16.9% |
| Income taxes67/77 | €3,780 | €223 | €788 | €4,015 | €5,000 | ▲ 24.5% |
| Profit (loss) for the period9904 | €11,813 | €2,088 | €1,928 | €8,214 | €9,298 | ▲ 13.2% |
| Profit (loss) for the period to be appropriated9905 | €11,813 | €2,088 | €1,928 | €8,214 | €9,298 | ▲ 13.2% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €36,333 | €42,411 | €57,259 | €94,932 | €127,642 | ▲ 34.5% |
| Fixed assets21/28 | €12,353 | €12,841 | €19,131 | €51,783 | €40,167 | ▼ 22.4% |
| Intangible fixed assets21 | €1,561 | €1,190 | €1,783 | €1,191 | €697 | ▼ 41.4% |
| Tangible fixed assets22/27 | €10,481 | €11,341 | €17,038 | €50,282 | €39,160 | ▼ 22.1% |
| Plant, machinery and equipment23 | - | €3,187 | €2,756 | €2,383 | €5,000 | ▲ 110% |
| Furniture and vehicles24 | - | €5,558 | €3,475 | €38,070 | €24,997 | ▼ 34.3% |
| Leasing and similar rights25 | - | - | €8,823 | €6,841 | €4,860 | ▼ 29.0% |
| Other tangible fixed assets26 | - | €2,596 | €1,984 | €2,987 | €4,303 | ▲ 44.1% |
| Financial fixed assets28 | €310 | €310 | €310 | €310 | €310 | = |
| Current assets29/58 | €23,981 | €29,571 | €38,128 | €43,150 | €87,474 | ▲ 103% |
| Stocks and contracts in progress3 | €9,712 | €13,053 | €16,531 | €12,120 | €14,491 | ▲ 19.6% |
| Stocks30/36 | - | €13,053 | €15,281 | €12,120 | €14,491 | ▲ 19.6% |
| Contracts in progress37 | - | - | €1,250 | €0 | - | - |
| Amounts receivable within one year40/41 | €4,432 | €15,053 | €9,174 | €7,507 | €22,352 | ▲ 198% |
| Trade receivables40 | - | €9,676 | €9,104 | €5,535 | €20,773 | ▲ 275% |
| Other amounts receivable41 | - | €5,377 | €70 | €1,972 | €1,579 | ▼ 19.9% |
| Current investments50/53 | - | €200 | €200 | €0 | €16,300 | - |
| Cash at bank and in hand54/58 | €8,900 | €1,146 | €8,791 | €18,523 | €7,561 | ▼ 59.2% |
| Deferred charges and accrued income490/1 | - | €119 | €3,433 | €5,000 | €26,771 | ▲ 435% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €36,333 | €42,411 | €57,259 | €94,932 | €127,642 | ▲ 34.5% |
| Equity10/15 | €15,840 | €17,928 | €19,856 | €28,070 | €35,650 | ▲ 27.0% |
| Contributions10/11 | - | €3,000 | €3,000 | €3,000 | €3,000 | = |
| Reserves13 | €10,000 | €10,000 | €10,000 | €25,070 | €32,650 | ▲ 30.2% |
| Distributable reserves133 | - | €10,000 | €10,000 | €25,070 | €32,650 | ▲ 30.2% |
| Profit (loss) carried forward14 | €2,840 | €4,928 | €6,856 | €0 | €0 | - |
| Amounts payable17/49 | €20,494 | €24,484 | €37,402 | €66,862 | €91,991 | ▲ 37.6% |
| Amounts payable after more than one year17 | €12,193 | €8,793 | €7,700 | €42,892 | €22,027 | ▼ 48.6% |
| Financial debts170/4 | - | €8,793 | €7,700 | €42,892 | €22,027 | ▼ 48.6% |
| Amounts payable within one year42/48 | €8,301 | €15,691 | €26,296 | €23,970 | €69,965 | ▲ 192% |
| Current portion of amounts payable after more than one year42 | - | €4,820 | €9,810 | €11,772 | €14,208 | ▲ 20.7% |
| Trade debts44 | €4,223 | €7,008 | €6,497 | €3,754 | €41,029 | ▲ 993% |
| Suppliers440/4 | - | €7,008 | €6,497 | €3,754 | €41,029 | ▲ 993% |
| Taxes, remuneration and social security45 | - | €3,863 | €3,699 | €6,008 | €11,208 | ▲ 86.5% |
| Taxes450/3 | - | €3,863 | €3,699 | €5,051 | €11,208 | ▲ 122% |
| Remuneration and social security454/9 | - | - | - | €957 | €0 | ▼ 100% |
| Other amounts payable47/48 | - | - | €6,290 | €2,435 | €3,519 | ▲ 44.5% |
| Accrued charges and deferred income492/3 | - | - | €3,407 | €0 | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €11,813 | €2,088 | €1,928 | €8,214 | €9,298 | ▲ 13.2% |
| + Depreciation and write-downs630 | €4,823 | €5,981 | €5,903 | €7,376 | €12,507 | ▲ 69.6% |
| Operating cash flow (approximation) | €16,636 | €8,070 | €7,831 | €15,590 | €21,805 | ▲ 39.9% |
| Investment in fixed assets (approximation) | - | -€6,469 | -€12,193 | -€40,028 | -€892 | ▲ 97.8% |
| Change in cash | - | -€7,754 | €7,645 | €9,732 | -€10,962 | ▼ 213% |
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
24-09
State Gazette act
Founder · Bank account
Legal form clause · Name clause
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 42 days late
12-05
State Gazette act
Incorporation · Legal form clause
Name clause · Registered office clause
2025
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €11,813 ▲547%
Operating result €16,777, net result €11,813, both a record.
07-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
No directors read yet: 0 of 4 Gazette acts processed. See the function holders in the CBE →
Location & real-estate footprint
Registered office, Eeklo · 1 establishment unit since 2019
Ground area
313 m²
Building footprint
149 m²
Volume, LiDAR
781 m³
Parcel 43352E1452/00K005, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
CREARTIX
since 20192.291.335.384
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43352E1452/00K005 | Flanders | 313 m² | 1 · 149 m² | 11.1 m · 1 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.
Subsidies and aid
Flemish government
2025 · 1 entry · 144 EUR awarded · 144 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 144 EUR | 144 EUR |
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Of 12,173 companies in this sector we hold annual accounts for 7,643. 5,443 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company details
Identification
Legal formPrivate limited company
Founded18-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
69201Certified accountants and tax accountants
47120Other non-specialised retail sale
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
82990Other business support services
Contact
Website
www.creartix.be
E-mail
info@creartix.be
E-invoicing
Reachable via Peppol
Peppol ID
0208:0730850656
Also
9925:BE0730850656
Registered
14-06-2024
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 1 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.