CREATING DIGITAL VALUE
ActiveSummary
CREATING DIGITAL VALUE has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €771k and a net result of €371k. Equity is growing by ~75.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+7
Growth78=
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 5.33 against 2.9 in 2024; short-term debt: 18.1% and cash: 10.1% of total assets), and 18.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
81.9%
Return on assets
39.4%
Age of the figures
9 mo
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 28-04-2026, 94 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
94 d early
2024
66 d early
2023
41 d early
2022
31 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€771k▲ 92.9%
2024 · €400k
2022: €32k
2023: €196k
2024: €400k
2022 → 2025
Total assets
€942k▲ 59.7%
2024 · €590k
2022: €193k
2023: €387k
2024: €590k
2022 → 2025
Net result
€371k▲ 82.1%
2024 · €204k
2022: €22k
2023: €164k
2024: €204k
2022 → 2025
Working capital
€741k▲ 105%
2024 · €362k
2022: €-34k
2023: €147k
2024: €362k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€196k▲ 521%€400k▲ 104%€771k▲ 92.9%
Operating result€31k-€240k▲ 681%€300k▲ 25.3%€556k▲ 85.2%
Net result€22k-€164k▲ 663%€204k▲ 24.2%€371k▲ 82.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 85% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €942k
Fixed assets
€30k ▼ 21.0%
Current assets
€912k ▲ 65.2%
Equity and liabilities €942k
Equity
€771k ▲ 92.9%
Debt
€171k ▼ 10.2%
Debt's share of the balance-sheet total falls from 32.3% to 18.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€575k▲
2024 · €317k
Cash flow
€391k▲
2024 · €221k
Current ratio
5.33▲
2024 · 2.90
Debt to equity
0.22▼
2024 · 0.48
ROE
48.2%▼
2024 · 51.0%
ROA
39.4%▲
2024 · 34.6%
Interest coverage
75.96▼
2024 · 370.93
Debt ≤ 1 year
€171k▼
2024 · €190k
Income taxes
€177k▲
2024 · €95k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€590k€942k▲
Fixed assets21/28€38k€30k▼
Tangible fixed assets22/27€37k€29k▼
Furniture and vehicles24€37k€29k▼
Financial fixed assets28€900€900=
Current assets29/58€552k€912k▲
Amounts receivable within one year40/41€89k€64k▼
Trade receivables40€89k€64k▼
Other amounts receivable41€31€0▼
Current investments50/53€300k€751k▲
Cash at bank and in hand54/58€161k€95k▼
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€590k€942k▲
Equity10/15€400k€771k▲
Contributions10/11€10k€10k=
Reserves13€390k€761k▲
Distributable reserves133€390k€761k▲
Amounts payable17/49€190k€171k▼
Amounts payable within one year42/48€190k€171k▼
Trade debts44€20€1k▲
Suppliers440/4€20€1k▲
Taxes, remuneration and social security45€189k€168k▼
Taxes450/3€189k€168k▼
Other amounts payable47/48€1k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€319k€577k▲
Operating profit (loss)9901€300k€556k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€854€8k▲
Recurring financial charges65€854€8k▲
Profit (loss) for the period before taxes9903€299k€548k▲
Income taxes67/77€95k€177k▲
Profit (loss) for the period9904€204k€371k▲
Profit (loss) for the period to be appropriated9905€204k€371k▲
Appropriation of the result
Profit (loss) to be appropriated9906€204k€371k▲
Transfer to equity691/2€204k€371k▲
To other reserves6921€204k€371k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €371k ▲82.1%
Operating result €556k, net result €371k, both a record.
31-12
Financial
Equity above €500kEq €771k ▲92.9%
4 profitable years in a row build equity to €771k.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €400k ▲104%
3 profitable years in a row build equity to €400k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 1.76
Current ratio from 0.79 to 1.76.
31-12
Financial
Equity above €150kEq €196k ▲521%
2 profitable years in a row build equity to €196k.
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-12
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Villers-la-Ville · 1 establishment unit since 2022
Ground area
2,966 m²
Building footprint
229 m²
Volume, LiDAR
1,334 m³
Parcel 25107D0025/00G000, Wallonia · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREATING DIGITAL VALUE
since 20222.337.331.004
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25107D0025/00G000 | Wallonia | 2,966 m² | 1 · 229 m² | 8.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
2 locations
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 30,620 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2022
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.