CREATIVE CONSULTING
ActiveCREATIVE CONSULTING has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €659k and a net result of €91k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 1502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69▲+19
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 12.89 against 17.17 in 2024), and 6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 59
Relative position
BE, all sectors
reference
Sector 59
lower
← 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
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
94%
Return on assets
12.9%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
28 d late
2023
29 d late
2022
31 d early
2021
20 d late
2020
30 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€659k▲ 10.3%
2024 · €598k
2018: €324k
2019: €415k
2020: €496k
2021: €562k
2022: €634k
2023: €538k
2024: €598k
2018 → 2025
Total assets
€701k▲ 13.2%
2024 · €619k
2018: €478k
2019: €563k
2020: €530k
2021: €588k
2022: €665k
2023: €552k
2024: €619k
2018 → 2025
Net result
€91k▲ 52.2%
2024 · €60k
2018: €29k
2019: €91k
2020: €81k
2021: €66k
2022: €72k
2023: €68k
2024: €60k
2018 → 2025
Working capital
€500k▲ 42.4%
2024 · €351k
2018: €-27k
2019: €115k
2020: €165k
2021: €176k
2022: €308k
2023: €200k
2024: €351k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€562k-€634k▲ 12.9%€538k▼ 15.1%€598k▲ 11.1%€659k▲ 10.3%
Operating result€95k-€102k▲ 7.5%€95k▼ 7.5%€83k▼ 12.2%€128k▲ 54.2%
Net result€66k-€72k▲ 9.6%€68k▼ 6.5%€60k▼ 11.8%€91k▲ 52.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 54% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €701k
Fixed assets
€159k▼ 35.5%
Current assets
€542k▲ 45.4%
Equity and liabilities €701k
Equity
€659k▲ 10.3%
Debt
€42k▲ 93.7%
The debt ratio rises from 3.5% to 6.0%: debt grows faster than equity.
Key figures and ratios
EBITDA
€215k▲
2024 · €181k
Cash flow
€178k▲
2024 · €158k
Solvency
94.0%▼
2024 · 96.5%
Current ratio
12.89▼
2024 · 17.17
Quick ratio
12.62▼
2024 · 16.59
Debt / equity
0.06▲
2024 · 0.04
ROE
13.7%▲
2024 · 10.0%
ROA
12.9%▲
2024 · 9.6%
Interest coverage
1618.21▼
2024 · 31978.49
Debt
€42k▲
2024 · €22k
Debt ≤ 1 year
€42k▲
2024 · €22k
Income taxes
€38k▲
2024 · €24k
Staff costs
€0▼
2024 · €10k
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€619k€701k▲
Fixed assets21/28€246k€159k▼
Tangible fixed assets22/27€246k€159k▼
Plant, machinery and equipment23€46k€45k▼
Furniture and vehicles24€55k€20k▼
Leasing and similar rights25€146k€94k▼
Current assets29/58€373k€542k▲
Stocks and contracts in progress3€13k€11k▼
Stocks30/36€13k€11k▼
Amounts receivable within one year40/41€81k€67k▼
Trade receivables40€63k€59k▼
Other amounts receivable41€18k€8k▼
Cash at bank and in hand54/58€279k€464k▲
Equity and liabilities
Total equity and liabilities10/49€619k€701k▲
Equity10/15€598k€659k▲
Contributions10/11€19k€19k=
Reserves13€579k€641k▲
Tax-exempt reserves132€2k€2k=
Distributable reserves133€577k€639k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€22k€42k▲
Amounts payable within one year42/48€22k€42k▲
Trade debts44€356€9k▲
Suppliers440/4€356€9k▲
Taxes, remuneration and social security45€21k€33k▲
Taxes450/3€21k€33k▲
Remuneration and social security454/9€320€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€98k€87k▼
Other operating charges640/8€1k€817▼
Gross operating margin9900€192k€216k▲
Operating profit (loss)9901€83k€128k▲
Financial income75/76B€573€468▼
Recurring financial income75€573€468▼
Financial charges65/66B€6€133▲
Recurring financial charges65€6€133▲
Profit (loss) for the period before taxes9903€84k€128k▲
Income taxes67/77€24k€38k▲
Profit (loss) for the period9904€60k€91k▲
Profit (loss) for the period to be appropriated9905€60k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€60k€91k▲
Transfer from equity791/2-€29k
Transfer to equity691/2€60k€91k▲
To other reserves6921€60k€91k▲
Profit to be distributed694/7-€29k
Return on contributions (dividend)694-€29k
Social balance
Average headcount (FTE)90870.3-
The notes to these accounts (8 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
20-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 20 days late
2021
31-12
Financial
Equity above €500kEq €562k ▲13.3%
4 profitable years in a row build equity to €562k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 5.76
Current ratio from 1.77 to 5.76; short-term debt falls from €149k to €35k.
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €91k ▲213%
Net result €91k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1.77
Current ratio from 0.82 to 1.77; short-term debt falls from €154k to €149k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
BREPOELS Marieke
CurrentDirector · since 10-11-2023
VERGULT Kurt
CurrentDirector · since 10-11-2023
10-11-2023
BREPOELS Marieke: Resigned as Director
10-11-2023
BREPOELS Marieke: Appointed as Director
10-11-2023
VERGULT Kurt: Resigned as Director
10-11-2023
VERGULT Kurt: Appointed as Director
Location & real-estate footprint
Registered office, Kortenberg · 1 establishment unit since 2002
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.
Oudebaan 133071 KortenbergGround area
1,053 m²
Building footprint
256 m²
Volume, LiDAR
2,476 m³
2 parcels, Brussels, Flanders · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Eugène Demolderlaan 114, 1030 Schaarbeek
since 20022.095.994.113
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24025C0194/00T003 | Flanders | 880 m² | 1 · 145 m² | 11.2 m · 3 fl. |
| 21015A0432/00X000 | Brussels | 173 m² | 1 · 111 m² | 20.6 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
SYLVESTER TV
BE 0538.972.481
Haacht · Eq €687k
RICHE, RICHE & RICHE
BE 0475.037.407
Schaarbeek · Eq €688k
2nd PART
BE 0821.222.487
Court-Saint-Etienne · Eq €625k
La Fille des Frères
BE 0784.539.859
Zaventem · Eq €539k
Waooh !
BE 0831.099.958
Liège · Eq €481k
Of 483 companies in sector 59112 we hold annual accounts for 248. 120 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2002
Fiscal year end31-12
Activities, NACEBEL
59112Motion picture, video and television programme production, sound recording and music publishing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.