Equity
€47,262 from €83,752 in 2022
Equity fell by 44% in 3 years.
Creati'VJ
Lifetime
6 annual accounts with figures on one time axispeak €98,975 (2022)
€67,382▼ 8.6%
lowest -€21,047 (2024)
-€13,601▲ €7,446
peak €83,752 (2022)
€47,262▼ 22.3%
€71,081▼ 20.4%
peak 0.3 FTE (2020)
-not published
Board3 names since 2019
1 directorClaerhout Virginie, Isabelle, Francien
Documentsfilings and deeds
11-06-202650 days before the deadline
2025micro format
Loss of €13,601Equity from €60,863 to €47,262Debts from €89,297 to €71,081Investments €6,315Cash from €61,275 to €40,146
Key points
from the 2025 annual accountsLosses
-€36,490 in three years
Every financial year from 2023 to 2025 closed with a loss. 2024 was the heaviest.
Investments
€6,315 2.0 × depreciation
Green is investment, beige is depreciation.
Filings
6 annual accounts 5 late
The 2022 accounts came latest: 121 days after the end of the period.
Board
2 joined
New directors. Latest change 01-10-2026 · 2 in office.
Position in the sector
-€13,601
Lower net result than 90% of companies in head offices and management consultancy. Sector median €27,132 · 39,384 companies.
Checked score
87
Excellent
Financially stronger than 31% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.1%
01-2025: 0.1%● unchanged vs 12-2024
02-2025: 0.1%● unchanged vs 01-2025
03-2025: 0.1%● unchanged vs 02-2025
04-2025: 0.1%● unchanged vs 03-2025
05-2025: 0.1%● unchanged vs 04-2025lowest value
06-2025: 0.1%● unchanged vs 05-2025
07-2025: 0.1%● unchanged vs 06-2025
08-2025: 0.3%▲ +0.2 percentage points vs 07-2025
09-2025: 0.4%▲ +0.1 percentage points vs 08-2025
10-2025: 0.7%▲ +0.3 percentage points vs 09-2025highest value
11-2025: 0.4%▼ -0.3 percentage points vs 10-2025
12-2025: 0.4%● unchanged vs 11-2025
01-2026: 0.4%● unchanged vs 12-2025
02-2026: 0.4%● unchanged vs 01-2026
03-2026: 0.4%● unchanged vs 02-2026
04-2026: 0.4%● unchanged vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.2%▼ -0.2 percentage points vs 06-2026
08-2026: 0.2%● unchanged vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthWeak
Score breakdown
raises risk
2 of the last 3 accounts late
Loss of €13,601, the second in a row (financial year 2025)
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 1.54, cash €40,146
Calculation
The band follows from the bankruptcy probability. 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). It does better than 38% of them on solvency, 54% on liquidity, 11% on profitability and 21% on growth.
The bankruptcy probability was computed on 09-11-2026 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.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 3,591 companies had the same profile as Creati'VJ has now. Each dot stands for 9 companies, two years later.
87.3%
were still trading
9.4%
stopped another way
3.0%
went bankrupt
Another 0.3% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Creati'VJ itself is lower: 0.2% within 12 months. It rests on far more data about Creati'VJ than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| 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% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 3,591 companies, not a prediction for Creati'VJ. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.54 (1.62 in 2024), above the usual 1.5. Short-term debt is 59.2% and cash 33.9% of total assets. However, 60.1% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
202122232425
2020 to 2025 · latest year -€13,601
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-06-2026, 50 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
50 days early
2024
76 days late
2023
64 days late
2022
121 days late
2021
90 days late
2020
27 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 6 accounts on average 55 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · 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 15 October (4 of the last 5 accounts filed within 45 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CLAERHOUT Virginie,Isabelle,Francine 90 sharesdeed of 16-09-2019
- MENARD Jean-François,Marie,Michel,Fabien 10 sharesdeed of 16-09-2019
Recent changes
Appointments: Jean-François Menard (director) and Virginie Claerhout (day-to-day manager)
General meeting of 01-10-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0734401054
Registered office moved from Uccie to Uccle
New registered office: Chaussée d'Alsemberg 672-1180 Uccle · Previous registered office: Rue Victor Allard 88-1180 Uccie · Board meeting of 24-10-2019 · Gazette deed
Incorporation
Founding capital of €2,500, 100 shares · Founders: CLAERHOUT Virginie, Isabelle, Francine; MENARD Jean-François, Marie, Michel, Fabien · Appointment: Claerhout Virginie, Isabelle, Francien (director) · published on 16-09-2019 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Creati'VJ Uccle | €118,343 | €67,382 | 39.9% | - |
| DERRY Uccle | €116,545 | €66,056 | 83.2% | - |
| Brabs Uccle | €110,206 | €75,801 | 24.7% | - |
| TRADE STRATEGIES Uccle | €114,583 | €58,148 | 3.6% | - |
| COBALT CONSULTING Berchem-Sainte-Agathe | €101,892 | €68,324 | 56.1% | - |
| POLITICAL SOLUTIONS Ixelles | €118,155 | €74,038 | 15.8% | - |
| Agendi Partners Ixelles | €130,617 | €60,774 | 41.0% | - |
These companies have the same main activity as Creati'VJ: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €102,000 and €131,000, founded between 2018 and 2020.
Official details
Source: KBO- Status
- Active since 12-09-2019Normal situation
- Activity
- Business and other management consultancyNACE 70200and 4 others
- Establishment unit
- 2.293.848.3771180 Uccle, since 12-09-2019
- Financial year end
- 31 December
- Peppol
- Reachable since 23-12-2025
Annual accounts 2025
- ≈ €140,000estimated
- €118,343▼ 21.2%
- ≈ 0.7 FTEestimated
- Filing
- Filed on 11-06-2026, 50 days before the end of the filing period
Insights on Creati'VJ
Creati'VJ files the micro format. That format states no turnover. The gross margin fell from €77,517 in 2020 to €67,382 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about Creati'VJ
- What is the company number of Creati'VJ?
- The company number of Creati'VJ is 0734.401.054. The VAT number is the same number with BE in front: BE 0734.401.054.
- Where is Creati'VJ based?
- The registered office is at Alsembergsesteenweg 672, 1180 Uccle.Company details
- What does Creati'VJ do?
- According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
- What is the legal form of Creati'VJ?
- Creati'VJ is a private limited company (BV).
- When was Creati'VJ founded?
- Creati'VJ was founded on 12-09-2019.
- Is Creati'VJ still active?
- Yes, Creati'VJ is an active enterprise in the KBO register.
- How many employees does Creati'VJ have?
- Creati'VJ had an average of 0.3 full-time equivalents in financial year 2020, according to the filed annual accounts.Financials
- What is the turnover of Creati'VJ?
- The turnover in financial year 2025 is ≈ €140,000. This figure is estimated from the gross margin of €67,382 and 120 comparable companies (NACE 70200). It probably lies between €100,000 and €170,000.
- Is Creati'VJ profitable?
- In financial year 2025, Creati'VJ made a loss of €13,601.
- Where can I find the annual accounts of Creati'VJ?
- Creati'VJ filed 6 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of Creati'VJ due?
- Creati'VJ must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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