CREATIVE & MANAGEMENT GROUP
ActiveCREATIVE & MANAGEMENT GROUP has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.72M and a net result of €1.11M. Equity is growing by ~6.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 1617 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+9
Solvency65▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity tight (current ratio 1.06 against 1.04 in 2024; short-term debt: 59.6% and cash: 15.2% of total assets), and 59.6% 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+raises risk○neutral
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
40.4%
Return on assets
25.9%
Age of the figures
9 mo
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
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
29 d late
2023
28 d late
2022
28 d late
2021
5 d early
2020
81 d early
2019
87 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€1.11M▲ 34.9%
2024 · €822k
2018: €4.39M
2019: €2.91M
2020: €4.46M
2021: €5.63M
2022: €1.08M
2023: €-149k
2024: €822k
2018 → 2025
Working capital
€151k▲ 46.3%
2024 · €103k
2018: €-43k
2019: €1.28M
2020: €158k
2021: €111k
2022: €143k
2023: €28k
2024: €103k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.58M-€2.66M▲ 3.1%€1.71M▼ 35.6%€1.72M▲ 0.1%€1.72M▲ 0.5%
Operating result€7.56M-€1.44M▼ 80.9%€247k▼ 82.9%€1.06M▲ 331%€1.48M▲ 39.6%
Net result€5.63M-€1.08M▼ 80.8%€-149k€822k€1.11M▲ 34.9%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 40% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.27M
Fixed assets
€1.57M▼ 2.4%
Current assets
€2.70M▼ 8.8%
Equity and liabilities €4.27M
Equity
€1.72M▲ 0.5%
Debt
€2.55M▼ 10.8%
The debt ratio falls from 62.5% to 59.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€1.55M▲
2024 · €1.15M
Cash flow
€1.18M▲
2024 · €906k
Solvency
40.4%▲
2024 · 37.5%
Current ratio
1.06▲
2024 · 1.04
Quick ratio
1.06▲
2024 · 1.04
Debt / equity
1.48▼
2024 · 1.67
ROE
64.3%▲
2024 · 47.9%
ROA
25.9%▲
2024 · 18.0%
Interest coverage
66.85▲
2024 · 50.98
Debt
€2.55M▼
2024 · €2.86M
Debt ≤ 1 year
€2.55M▼
2024 · €2.86M
Income taxes
€373k▲
2024 · €278k
Staff costs
€94k▼
2024 · €136k
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€4.57M€4.27M▼
Fixed assets21/28€1.61M€1.57M▼
Tangible fixed assets22/27€338k€299k▼
Land and buildings22€279k€250k▼
Plant, machinery and equipment23€492€124▼
Furniture and vehicles24€1k€24k▲
Other tangible fixed assets26€58k€25k▼
Financial fixed assets28€1.28M€1.28M=
Current assets29/58€2.96M€2.70M▼
Amounts receivable within one year40/41€714k€646k▼
Trade receivables40€463k€476k▲
Other amounts receivable41€251k€170k▼
Current investments50/53€1.40M€1.40M=
Cash at bank and in hand54/58€839k€650k▼
Deferred charges and accrued income490/1€11k€6k▼
Equity and liabilities
Total equity and liabilities10/49€4.57M€4.27M▼
Equity10/15€1.72M€1.72M▲
Contributions10/11€186k€186k=
Reserves13€1.53M€1.54M▲
Distributable reserves133€1.53M€1.54M▲
Amounts payable17/49€2.86M€2.55M▼
Amounts payable within one year42/48€2.86M€2.55M▼
Trade debts44€645k€601k▼
Suppliers440/4€645k€601k▼
Taxes, remuneration and social security45€58k€31k▼
Taxes450/3€8k-
Remuneration and social security454/9€50k€31k▼
Other amounts payable47/48€2.16M€1.92M▼
Income statement
Code20242025
Remuneration, social security and pensions62€136k€94k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€71k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-40k-
Other operating charges640/8€20k€17k▼
Gross operating margin9900€1.26M€1.66M▲
Operating profit (loss)9901€1.06M€1.48M▲
Financial income75/76B€60k€22k▼
Recurring financial income75€60k€22k▼
Financial charges65/66B€22k€23k▲
Recurring financial charges65€22k€23k▲
Profit (loss) for the period before taxes9903€1.10M€1.48M▲
Income taxes67/77€278k€373k▲
Profit (loss) for the period9904€822k€1.11M▲
Profit (loss) for the period to be appropriated9905€822k€1.11M▲
Appropriation of the result
Profit (loss) to be appropriated9906€822k€1.11M▲
Transfer to equity691/2€2k€9k▲
To other reserves6921€2k€9k▲
Profit to be distributed694/7€820k€1.10M▲
Return on contributions (dividend)694€820k€1.10M▲
Social balance
Average headcount (FTE)90872.01.5▼
The notes to these accounts (6 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 · abbreviated schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
2024
31-12
Financial
Back to profitnet €822k
Net result €822k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Weakest financial yearnet €-149k ▼114%
Net result drops to €-149k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €5.63M ▲26.1%
Operating result €7.56M, net result €5.63M, both a record.
31-12
Financial
Equity above €2MEq €2.58M ▲145%
4 profitable years in a row build equity to €2.58M.
11-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 87 days late
2019
31-12
Financial
Equity above €1MEq €1.91M ▲836%
2 profitable years in a row build equity to €1.91M.
05-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 127 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 52 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Lasne · 1 establishment unit since 2010
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.
Chemin des Hayes 51380 LasneGround area
2,964 m²
Building footprint
456 m²
Volume, LiDAR
2,740 m³
2 parcels, Wallonia · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CMG
since 20102.192.438.243
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25023G0257/00S000 | Wallonia | 2,594 m² | 1 · 214 m² | 7.6 m · 2 fl. |
| 25051C0060/00X000 | Wallonia | 370 m² | 1 · 242 m² | 8.3 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845002BF77BD0D61P91
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,901. 2,168 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2010
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74901Other professional, scientific and technical activities
74991Agents and managers of artists, athletes and other public figures
70200Business and other management consultancy
70220Business consulting
93110Operation of sports facilities
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.