CREATIVA SERVICES
ActiveSummary
The computed 12-month bankruptcy probability of CREATIVA SERVICES is 1.9% (moderate). The 2025 annual accounts show negative equity (-€13,575) and a net result of -€4,401. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 12% of 18537 sector peers (fiscal year 2025). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-58
Solvency0=
Growth41▼-17
Track record100
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.57 against 0.67 in 2024; short-term debt: 153.6% and cash: 28.9% of total assets), and equity is negative.
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Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-53.6%
Return on assets
-17.4%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Retail trade (NACE 47)
about 45% more 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 · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year -€13,575
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 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 · 10 filingsDeviation from the deadline
2025
24 d late
2024
1 d early
2023
on the day
2022
5 d early
2021
25 d late
2020
30 d late
2019
80 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days after the deadline; the sector median for financial year 2024 is on the deadline day, and 46% 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.
Companies Code · seven monthsPosition in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Turnover
€60,568▼ 8.6%
2023 · €66,244
EBIT margin
1.4%▲ 6.1pp
2023 · -4.7%
Net result
-€4,401
2024 · €898
Working capital
-€16,891▼ 33.6%
2024 · -€12,646
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€53,387▼ 1.7%€60,975▲ 14.2%€66,244▲ 8.6%€60,568▼ 8.6%
Operating result€4,525▲ 26.5%-€2,901-€3,133▼ 8.0%€835-€4,163
Net result€4,232▼ 24.4%-€2,921-€3,037▼ 4.0%€898-€4,401
EBIT margin8.5%▲ 1.9pp-4.8%▼ 13.2pp-4.7%=1.4%▲ 6.1pp
Equity-€3,975▲ 51.6%-€6,896▼ 73.5%-€10,071▼ 46.1%-€9,174▲ 8.9%-€13,575▼ 48.0%
Total assets€35,914▲ 12.0%€32,342▼ 9.9%€33,456▲ 3.4%€29,546▼ 11.7%€25,344▼ 14.2%
Debt€39,889▼ 1.0%€39,238▼ 1.6%€43,528▲ 10.9%€38,720▼ 11.0%€38,919▲ 0.5%
Working capital-€8,226▲ 36.5%-€10,657▼ 29.6%-€13,431▼ 26.0%-€12,646▲ 5.9%-€16,891▼ 33.6%
Staff (FTE)
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4,163 after €835 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €25,344
Fixed assets
€3,316 ▼ 4.5%
Current assets
€22,028 ▼ 15.5%
Key figures and ratios
EBITDA
-€4,007▼
2024 · €1,346
Cash flow
-€4,246▼
2024 · €1,409
Solvency
-53.6%▼
2024 · -31.0%
Current ratio
0.57▼
2024 · 0.67
Quick ratio
0.19▲
2024 · 0.11
Debt to equity
-2.87▲
2024 · -4.22
ROA
-17.4%▼
2024 · 3.0%
Interest coverage
-16.55▼
2024 · 12.76
Debt ≤ 1 year
€38,919▲
2024 · €38,720
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 6,640 companies that looked in July 2024 the way this one looks now, 4.1% went bankrupt within 24 months and 84% are still going.
- Micro
- 20 years or older
- negative equity
- a loss of 10% of the balance sheet or more
4.1%
went bankrupt
9.9%
stopped otherwise
84%
still going
A further 2.0% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.9% 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 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.6% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
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 6,640 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 |
|---|---|---|---|---|---|---|
| Turnover70 | €53,387 | €60,975 | €66,244 | €60,568 | - | - |
| Goods, raw materials, services and sundry goods60/61 | €50,984 | €62,892 | €68,476 | €66,737 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €489 | €489 | €402 | €511 | €156 | ▼ 69.5% |
| Other operating charges640/8 | €459 | €494 | €499 | €484 | €514 | ▲ 6.2% |
| Gross operating margin9900 | €5,474 | -€1,917 | -€2,232 | €1,831 | -€3,493 | ▼ 291% |
| Operating profit (loss)9901 | €4,525 | -€2,901 | -€3,133 | €835 | -€4,163 | ▼ 599% |
| Financial income75/76B | €51 | €135 | €327 | €168 | €4 | ▼ 97.6% |
| Recurring financial income75 | €51 | €135 | €327 | €168 | €4 | ▼ 97.6% |
| Financial charges65/66B | €344 | €155 | €231 | €105 | €242 | ▲ 130% |
| Recurring financial charges65 | €344 | €155 | €231 | €105 | €242 | ▲ 130% |
| Profit (loss) for the period before taxes9903 | €4,232 | -€2,921 | -€3,037 | €898 | -€4,401 | ▼ 590% |
| Profit (loss) for the period9904 | €4,232 | -€2,921 | -€3,037 | €898 | -€4,401 | ▼ 590% |
| Profit (loss) for the period to be appropriated9905 | €4,232 | -€2,921 | -€3,037 | €898 | -€4,401 | ▼ 590% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €35,914 | €32,342 | €33,456 | €29,546 | €25,344 | ▼ 14.2% |
| Fixed assets21/28 | €4,251 | €3,762 | €3,360 | €3,472 | €3,316 | ▼ 4.5% |
| Tangible fixed assets22/27 | €1,293 | €804 | €402 | €514 | €358 | ▼ 30.3% |
| Furniture and vehicles24 | €87 | - | - | €514 | €358 | ▼ 30.3% |
| Other tangible fixed assets26 | €1,206 | €804 | €402 | - | - | - |
| Financial fixed assets28 | €2,958 | €2,958 | €2,958 | €2,958 | €2,958 | = |
| Current assets29/58 | €31,663 | €28,580 | €30,096 | €26,074 | €22,028 | ▼ 15.5% |
| Stocks and contracts in progress3 | €27,402 | €27,190 | €24,721 | €21,941 | €14,703 | ▼ 33.0% |
| Stocks30/36 | €27,402 | €27,190 | €24,721 | €21,941 | €14,703 | ▼ 33.0% |
| Amounts receivable within one year40/41 | - | €999 | €1,480 | €802 | - | - |
| Trade receivables40 | - | €999 | €1,480 | €802 | - | - |
| Cash at bank and in hand54/58 | €4,261 | €391 | €3,895 | €3,332 | €7,325 | ▲ 120% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €35,914 | €32,342 | €33,456 | €29,546 | €25,344 | ▼ 14.2% |
| Equity10/15 | -€3,975 | -€6,896 | -€10,071 | -€9,174 | -€13,575 | ▼ 48.0% |
| Contributions10/11 | €18,600 | €18,600 | €18,600 | €18,600 | €18,600 | = |
| Profit (loss) carried forward14 | -€22,575 | -€25,496 | -€28,671 | -€27,774 | -€32,175 | ▼ 15.8% |
| Amounts payable17/49 | €39,889 | €39,238 | €43,528 | €38,720 | €38,919 | ▲ 0.5% |
| Amounts payable within one year42/48 | €39,889 | €39,238 | €43,528 | €38,720 | €38,919 | ▲ 0.5% |
| Trade debts44 | €10,452 | €7,095 | €8,492 | €3,582 | €4,233 | ▲ 18.2% |
| Suppliers440/4 | €10,452 | €7,095 | €8,492 | €3,582 | €4,233 | ▲ 18.2% |
| Advances received on contracts in progress46 | - | - | €1,000 | - | - | - |
| Taxes, remuneration and social security45 | €779 | €1,952 | €2,067 | €1,416 | €983 | ▼ 30.6% |
| Taxes450/3 | €779 | €1,952 | €2,067 | €1,416 | €983 | ▼ 30.6% |
| Other amounts payable47/48 | €28,658 | €30,191 | €31,969 | €33,723 | €33,703 | ▼ 0.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €4,232 | -€2,921 | -€3,037 | €898 | -€4,401 | ▼ 590% |
| + Depreciation and write-downs630 | €489 | €489 | €402 | €511 | €156 | ▼ 69.5% |
| Operating cash flow (approximation) | €4,722 | -€2,431 | -€2,635 | €1,409 | -€4,246 | ▼ 401% |
| Investment in fixed assets (approximation) | - | €0 | €0 | -€623 | €0 | ▲ 100% |
| Change in cash | - | -€3,870 | €3,505 | -€564 | €3,994 | ▲ 809% |
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
25-09
State Gazette act
Resignation: Laila AMAHJOUR (manager)Director discharge · Share transfer · Shareholding6 facts ▸
State Gazette act
Resignation: Laila AMAHJOUR (manager)
Director discharge · Share transfer · Shareholding6 facts ▸
- General meeting, 27-08-2026
- Director resignation, Laila AMAHJOUR (manager)
- Director discharge, Laila AMAHJOUR
- Share transfer, Laila AMAHJOUR → BAKKALI TAHIRI Abdelmalek
- Shareholding, 27-08-2026, 0
- Shareholding, 27-08-2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Weakest financial yearnet -€4,401
Net result drops to -€4,401, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €898
Net result €898 after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €5,601 ▲4,273%
Net result €5,601, the highest in the series.
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 80 days late
2019
31-12
Financial
Back to profitnet €128
Net result €128 after one loss-making year.
Show earlier events
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 57 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 29 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 3 acts read
About the unread acts
Of the 3 Belgian State Gazette acts we know for this company, 1 has been read. The other 2 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
no sitting director, last change in 2026
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Not every act has been read: a resignation may be missing here
2 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Brussel · 1 establishment unit since 2003
Ground area
100 m²
Building footprint
101 m²
Volume, LiDAR
1,391 m³
Parcel 21810L2135/00N003, Brussels · tallest building 20.9 m, ±5 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Creativa Services
since 20032.132.521.343
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21810L2135/00N003 | Brussels | 100 m² | 1 · 100 m² | 20.9 m · 5 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.
1 of these parcels carry protected heritage: expect extra rules on renovation or sale.
Mandate history
1 person since 2026, 0 in office
- Board
- began earlier
| Name | Functions and periods |
|---|---|
| Laila AMAHJOUR |
|
Structure & network
Connections & network
No current directors or connected companies found in the register.
Capital and shareholders
Shareholders according to the acts
Stated in the act
act of 25-09-2026 ↗
- Laila AMAHJOUR
- BAKKALI TAHIRI Abdelmalek all shares
Share transfer
act of 25-09-2026 ↗
- Laila AMAHJOUR to BAKKALI TAHIRI Abdelmalek 10 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
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This company's figures show no positive equity and no headcount, so a size comparison is not possible. These companies share only the sector and the region. Of 602 companies in sector 47610 we hold annual accounts for 242. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded04-08-2003
Fiscal year end31-12
Activities, NACEBEL 2025
47610Retail trade
47400Retail sale of information and communication equipment
47621Retail sale of newspapers and periodicals
82100Office administrative and support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0859916084
Also
9925:BE0859916084
Registered
06-01-2026
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.