Creative Consultant
ActiveCreative Consultant has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €-10k. Equity is growing by ~18.2% per year across the filed fiscal years. Its solvency ranks better than 76% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency67=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days only on tighter terms
Liquidity short (current ratio 0.01 against 0.05 in 2024), and 22.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€10k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
27 d late
2023
27 d late
2022
30 d late
2021
30 d late
2020
20 d late
2019
31 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▼ 7.9%
2024 · €128k
2018: €47k
2019: €55k
2020: €58k
2021: €77k
2022: €104k
2023: €128k
2024: €128k
2018 → 2025
Total assets
€153k▼ 0.7%
2024 · €154k
2018: €173k
2019: €165k
2020: €155k
2021: €154k
2022: €158k
2023: €161k
2024: €154k
2018 → 2025
Net result
€-10k▼ 2,507%
2024 · €-389
2018: €28k
2019: €7k
2020: €4k
2021: €19k
2022: €27k
2023: €24k
2024: €-389
2018 → 2025
Working capital
€-35k▼ 41.1%
2024 · €-25k
2018: €-33k
2019: €-50k
2020: €-50k
2021: €-52k
2022: €-49k
2023: €-24k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€77k-€104k▲ 34.6%€128k▲ 23.2%€128k▼ 0.3%€118k▼ 7.9%
Operating result€21k-€32k▲ 51.6%€41k▲ 28.2%€216▼ 99.5%€-193
Net result€19k-€27k▲ 40.2%€24k▼ 9.6%€-389€-10k▼ 2,507%
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 €193 after €216 in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €153k
Fixed assets
€153k=
Current assets
€200▼ 83.4%
Equity and liabilities €153k
Equity
€118k▼ 7.9%
Debt
€35k▲ 35.3%
The debt ratio rises from 16.8% to 22.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
77.1%▼
2024 · 83.2%
Current ratio
0.01▼
2024 · 0.05
Quick ratio
0.01▼
2024 · 0.05
Debt / equity
0.30▲
2024 · 0.20
ROE
-8.6%▼
2024 · -0.3%
ROA
-6.6%▼
2024 · -0.3%
Debt
€35k▲
2024 · €26k
Debt ≤ 1 year
€35k▲
2024 · €26k
Income taxes
€11k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€154k€153k▼
Fixed assets21/28€153k€153k=
Financial fixed assets28€153k€153k=
Current assets29/58€1k€200▼
Amounts receivable within one year40/41€454€189▼
Other amounts receivable41€454€189▼
Cash at bank and in hand54/58€748€11▼
Equity and liabilities
Total equity and liabilities10/49€154k€153k▼
Equity10/15€128k€118k▼
Contributions10/11€6k€6k=
Reserves13€20k€20k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€18k€18k=
Profit (loss) carried forward14€102k€92k▼
Amounts payable17/49€26k€35k▲
Amounts payable within one year42/48€26k€35k▲
Trade debts44€193€2k▲
Suppliers440/4€193€2k▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€24k€32k▲
Income statement
Code20242025
Other operating charges640/8€301-
Gross operating margin9900€518€-193▼
Operating profit (loss)9901€216€-193▼
Financial income75/76B-€2k
Recurring financial income75-€2k
Non-recurring financial income76B-€2k
Financial charges65/66B€605€115▼
Recurring financial charges65€605€115▼
Profit (loss) for the period before taxes9903€-389€1k▲
Income taxes67/77-€11k
Profit (loss) for the period9904€-389€-10k▼
Profit (loss) for the period to be appropriated9905€-389€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€102k€92k▼
Profit (loss) brought forward from the previous period14P€102k€102k▼
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €100kEq €104k ▲34.6%
5 profitable years in a row build equity to €104k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 85 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Fosses-la-Ville · 1 establishment unit since 1994
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Chaussée de Namur 605070 Fosses-la-VilleGround area
5,663 m²
Building footprint
280 m²
Volume, LiDAR
1,737 m³
2 parcels, Wallonia · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
INDEP
since 19942.066.157.705
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92060A0214/00G000 | Wallonia | 3,288 m² | 1 · 81 m² | - |
| 92111C0021/00H000 | Wallonia | 2,374 m² | 1 · 199 m² | 11.7 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0477.968.983
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MODRICOM
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MONKEY BIZNIS
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Of 24,424 companies in sector 82990 we hold annual accounts for 9,359. 7,127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded04-06-1992
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.