Create4U
ActiveSummary
Create4U has been active since 2023 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103,930 and a net result of €79. Equity is growing by about 28% per year across the filed financial years. Its solvency ranks better than 75% of 8,556 sector peers (NACE 73, financial year 2025). The computed 12-month bankruptcy probability is below 0.1% (very low).
Overview
- Equity
- €103,930
- Profit
- €79
Why 95lowers riskLiquidity: current ratio 4.87, cash €119,583Sector: Advertising, market research and public relations activities (NACE 73)Equity €103,930 (77.3% of total assets)Size: total assets €134,486Show the evidence
Checked score
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 73, micro): better than 87% on solvency, 87% on liquidity, 22% on profitability and 44% 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).
Credit check for your own amount and term
Show the recommended maximum and see how the verdict changes with amount, term and advance.
Signals
This company filed its last 3 accounts on average 6 days after the deadline; the sector median (NACE 73) for financial year 2024 is 6 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
- Annual accounts filedfinancial year 2025 · micro…
- Weakest financial yearnet €79 ▼99.9%
- Annual accounts filedfinancial year 2024 · micro…
Financials · financial year 2025, micro format
2023 to 2025, 3 financial years
The operating result falls in 2025; 2025 is 92% below 2024 and is the lowest result in the available series.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 73, Advertising, market research and public relations activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Peer companies
Historical observationOf the 2,546 companies that looked in July 2024 the way this one looks now, 2.3% went bankrupt within 24 months and 94.3% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit under 5% of the balance sheet
A further 0.2% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: < 0.1% 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 497,445 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% | 0.9% |
| 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 74.5% 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 2,546 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.
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €2,102 | €342 | €177 | ▼ 48.1% |
| Other operating charges640/8 | €686 | €668 | €560 | ▼ 16.1% |
| Gross operating margin9900 | €62,960 | €83,670 | €7,708 | ▼ 90.8% |
| Operating profit (loss)9901 | €60,172 | €82,660 | €6,971 | ▼ 91.6% |
| Financial income75/76B | - | €4 | €0 | ▼ 100% |
| Recurring financial income75 | - | €4 | €0 | ▼ 100% |
| Financial charges65/66B | €5,167 | €9,475 | €5,146 | ▼ 45.7% |
| Recurring financial charges65 | €5,167 | €9,475 | €5,146 | ▼ 45.7% |
| Profit (loss) for the period before taxes9903 | €55,005 | €73,189 | €1,825 | ▼ 97.5% |
| Income taxes67/77 | €12,015 | €15,829 | €1,745 | ▼ 89.0% |
| Profit (loss) for the period9904 | €42,990 | €57,360 | €79 | ▼ 99.9% |
| Profit (loss) for the period to be appropriated9905 | €42,990 | €57,360 | €79 | ▼ 99.9% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €105,173 | €175,109 | €134,486 | ▼ 23.2% |
| Formation expenses20 | €342 | €0 | - | - |
| Fixed assets21/28 | - | - | €979 | - |
| Tangible fixed assets22/27 | - | - | €979 | - |
| Furniture and vehicles24 | - | - | €979 | - |
| Current assets29/58 | €104,831 | €175,109 | €133,507 | ▼ 23.8% |
| Amounts receivable within one year40/41 | €18,513 | €16,588 | €6,879 | ▼ 58.5% |
| Trade receivables40 | €18,513 | €16,588 | €3,678 | ▼ 77.8% |
| Other amounts receivable41 | - | - | €3,200 | - |
| Cash at bank and in hand54/58 | €73,150 | €148,425 | €119,583 | ▼ 19.4% |
| Deferred charges and accrued income490/1 | €13,168 | €10,097 | €7,045 | ▼ 30.2% |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €105,173 | €175,109 | €134,486 | ▼ 23.2% |
| Equity10/15 | €46,490 | €103,851 | €103,930 | ▲ 0.1% |
| Contributions10/11 | €3,500 | €3,500 | €3,500 | = |
| Reserves13 | €42,990 | €100,351 | €100,430 | ▲ 0.1% |
| Distributable reserves133 | €42,990 | €100,351 | €100,430 | ▲ 0.1% |
| Amounts payable17/49 | €58,682 | €71,259 | €30,556 | ▼ 57.1% |
| Amounts payable within one year42/48 | €58,682 | €68,136 | €27,434 | ▼ 59.7% |
| Trade debts44 | €2,320 | €6,051 | €11,878 | ▲ 96.3% |
| Suppliers440/4 | €2,320 | €6,051 | €11,878 | ▲ 96.3% |
| Taxes, remuneration and social security45 | €12,387 | €34,302 | €15,556 | ▼ 54.6% |
| Taxes450/3 | €12,387 | €34,302 | €15,556 | ▼ 54.6% |
| Other amounts payable47/48 | €43,975 | €27,783 | €0 | ▼ 100% |
| Accrued charges and deferred income492/3 | - | €3,122 | €3,122 | = |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | €42,990 | €57,360 | €79 | ▼ 99.9% |
| + Depreciation and write-downs630 | €2,102 | €342 | €177 | ▼ 48.1% |
| Operating cash flow (approximation) | €45,092 | €57,702 | €257 | ▼ 99.6% |
| Change in cash | - | €75,275 | -€28,842 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (3)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 24-07-2026 | 2026-00353316 |
| 31-12-2024 | micro format | 25-07-2025 | 2025-00356341 |
| 31-12-2023 | micro format | 30-08-2024 | 2024-00430177 |
Similar companies · same sector, comparable size
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.
Directors
Mandate history
- Board
| Name | Functions and periods |
|---|---|
| VAN ACHTER Bart Maria Joris |
|
Owners and capital
Capital and shareholders
- VAN ACHTER Bart Maria Joris 100 shares (100%)
The Belgian Official Gazette names shareholders only when an act mentions them; the share register itself is not published.
- 30-01-2023 Incorporation · €3,500 · 100 shares
Group and network
Connections & network
1 current directorThe network starts from this company’s directors. Other companies they run appear here as nodes.
History
Acts, filings and financial milestones
30-01
Gazette deed
IncorporationAppointment: VAN ACHTER Bart Maria Joris (director) · Founder · Founding capital6 facts ▸
- Incorporation, 26-01-2023
- Founder, VAN ACHTER Bart Maria Joris
- Founding capital, €3,500
- Bank account, “Crelan, vennootschap in oprichting” (deed in Dutch)
- Board rule, 1, “vergadering” (deed in Dutch)
- Director appointment, VAN ACHTER Bart Maria Joris (director (not named in the articles))
Register details
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 October 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.
Environmental permits: No permit applications found in Flanders. Brussels and Wallonia do not publish the applicant.
Sites & property
1 establishment unit
1 parcel
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 46020C0545/00H000 | Flanders | 1,010 m² | 1 · 149 m² | 9.8 m · 2 |
How the parcels are linked
Articles of association
What the company does
- PurposeThe activities the company may carry out under its articles.
- “Coaching; Consultancy diverse vakgebieden; Investeren in diverse vennootschappen; Holding; Business Consultancy; Projectmanagement…” (deed in Dutch)
47 activities (deed in Dutch)
- Coaching;
- Consultancy diverse vakgebieden;
- Investeren in diverse vennootschappen;
- Holding;
- Business Consultancy;
- Projectmanagement;
- Peoplemanagement;
- Ontwikkelen van webportalen & apps & software & aan-verwante diensten & webshop (e-commerce);
- Coaching - Onderwijs – Organisatie van events & seminaries;
- Productontwikkeling;
- Groot- en kleinhandel van diverse producten;
- Verhuur van diverse roerende goederen;
- Managementactiviteiten - Administratieve ondersteuning & Adviesverlening aan diverse bedrijven;
- Handelsbemiddeling in de meest ruime zin van het woord;
- Managementactiviteiten van holdings: tussenkomen in het dagelijks bestuur,vertegenwoordigen van bedrijven op grond van bezit van of controle over het maatschappelijk kapitaal,enz.;
- Verlenen van ondersteunende diensten en adviezen aan het bedrijfsleven op gebied van projectmanagement,organisatie management,interim management,verander-management,…;
- Verlenen van uiteenlopende diensten en het geven van advies,informatie,bijstand en ondersteuning voor zelfstandigen,vennootschappen,bestuurders,verenigingen,openbare bestuursorganen en dergelijke meer en dit onder meer op vlak van informatie,publiciteit,marketing,administratie,organisatie,verkoop,financiering,strategie,personeel,…;
- Overige zakelijke dienstverlening;
- Het ontwerpen en verwezenlijken van tuinen en landschappen door middel van beplantingen en het aanleggen van opritten,voetpaden,tuinpaden,wandelwegen en terrassen in diverse materialen.;
- Daartoe zullen uitmetingen worden uitgevoerd,plannen worden ontworpen en planten worden gekweekt of aangekocht. De aanleg behelst de nodige grondwerken,het leveren en plaatsen van de nodige draineringen,afsluitingen,omheiningen en vijvers met hun afboordingen in diverse materialen,het planten van de nodige struiken en bloemen,het aanleggen van gras-oppervlaktes door inzaaiing of door het plaatsen van graszoden of door elke andere techniek;
- Het uitvoeren van onderhoudswerken aan bestaande tuinen en landschappen,behelzende onder meer het wieden van onkruid,het afruiden van gras,allerhande snoeiwerken,het vervangen van afgestorven planten en bloemen,bemestings-werken,het verdelgen van onkruid en ongedierte door het toepassen van aangepaste verdelgingsmiddelen;
- De aan- en verkoop van alle toestellen en voorwerpen die in tuinen en parken kunnen worden geplaatst,zoals speeltuigen,meubilair,beelden,enzomeer;
- De aan- en verkoop,huur en verhuur van tuinbouwmachines;
- Het uitvoeren van klinker- en tegelwerken;
- Aannemer van vloer- en wandbekleding,voegwerken,chapewerken;
- Verzorging van en/of reiniging van gebouwen;
- Het uitvoeren van karweiwerken;
- De bouw van tuinhuizen,poolhouses,speel- en sportterreinen,parkeerterreinen,zwembaden,vijvers,enzovoort;
- Uitvoeren van grondwerken en grondverzet,voor het ruimen van terreinen allerlei,voor de verlaging van het grondwaterpeil en de drainage van terreinen,voor rioleringswerken,voor het leggen van kabels en diverse leidingen;
- Het toezien op de bouwwerkzaamheden (ruwbouw,installatie,afwerking,enzovoort),voor het leiden van belangrijke herstellingswerkzaamheden aan gebouwen.;
- Interieurarchitect;
- Produceren,leveren en plaatsen van stores,zonneschermen,gordijnen en overgordijnen;
- Groot- en kleinhandel in ijzerwaren,verf,vernis,gereedschappen,toiletartikelen,gadgets,gordijnen en overgordijnen,behang en vloerbekleding,tapijten,reinigingsmiddelen,drogisterijartikelen;
- Gespecialiseerde kleinhandel in geschenken met betrekking tot decoratie en wooninrichting;
- Groot- en kleinhandel van producten die betrekking hebben op wooninrichting;
- Leveren en plaatsen van vloeren;
- Verkoop van vloerkleden (matten);
- Leveren en plaatsen van deur- en meubelbeslag;
- Bouwmarkten en andere doe-het-zelfzaken in bouwmaterialen;
- De inrichting van interieurs,omvattende het leveren en plaatsen van verlichtingselementen,gordijnen,meubilair,keuken- en badkamerelementen;
- De aan- en verkoop,in- en uitvoer,handelsbemiddeling van alle mogelijke materialen die betrekking hebben op de inrichting van een gebouw of woning;
- Het inrichten,verzorgen,organiseren en verrichten van fotoshoots,allerhande presentaties,modeshows,commercials,reclamespots,…;
- Het verrichten van diensten in de mediasector.;
- Het opnemen van bestuurders-,vereffenaars- of andere mandaten in Belgische en/of buitenlandse vennootschappen;
- Het verwerven door inschrijving of aankoop,voor eigen rekening of voor rekening van derden van aandelen,obligaties,kasbons of andere roerende waarden,van welke vorm ook,van Belgische of buitenlandse,bestaande of nog op te richten vennootschappen;
- Het bevorderen van de oprichting van vennootschappen door inbreng,participatie of investering;
- De vennootschap op alle wijzen belangen kunnen nemen in alle zaken,ondernemingen,of vennootschappen met eenzelfde gelijklopend of aanverwante voorwerpen dat van aard is de ontwikkeling van haar onderneming te bevorderen of haar klantenbestand uit te breiden.;
- Name clauseThe name the company operates under according to its articles.
- Create4U
- Registered office clauseThe region of the registered office; it decides among other things the language of official documents.
- “Vlaams Gewest, 9170 Sint-Gillis-Waas,Raymond Smetstraat 45” (deed in Dutch)
Who represents it, and how
- Board ruleHow the board is made up, meets and takes decisions.
- “Met of zonder beperking van duur, 1” (deed in Dutch)
Meetings and financial year
- Annual meetingWhen the shareholders meet each year, among other things to approve the annual accounts.
- Third Thursday of June at 20:00