Equity
€128,128 from €292,589 in 2024
Equity fell by 56% in 1 year.
creativeOne
Lifetime
17 annual accounts with figures on one time axispeak €813,485 (2011)
€351,228▼ 23.1%
lowest -€377,251 (2013)
-€164,460▼ €170,736
peak €292,589 (2024)
€128,128▼ 56.2%
€817,424▲ 61.1%
peak 19.9 FTE (2012)
-not published
Board2 names since 2022
2 directorsOrcadis and 1 other
Owners4 names in the annual accounts
3.12%ORCADIS
Documentsfilings and deeds
30-03-20261 day before the deadline
2025micro format
Gross margin from €456,667 to €351,228Loss of €164,460Equity from €292,589 to €128,128Debts from €507,380 to €817,424Cash from €9,805 to €4,714
Key points
from the 2025 annual accountsResult
-€164,460 -€164,460
From profit to loss in 2025, after a profit of €6,275 in 2024.
Debts
€817,424 86% of the balance sheet
Financial debts 17%Suppliers 37%Taxes and wages 9%Other 37%
Of this, €565,383 falls due within a year.
Staff
7.3 FTE from 19.9 in 2012
Between 2012 and 2025, 63% of the full-time equivalents disappeared.
Filings
17 annual accounts since 2009
Two of the last ten came late. The 2022 accounts came latest: 18 days after the end of the period.
Position in the sector
-€164,460
Lower net result than 95% of companies in computer programming and consultancy. Sector median €28,568 · 21,211 companies.
Checked score
53
Fair
Financially stronger than 11% of micro companies in computer programming and consultancy (NACE 62)
Probability in this band: 1.5% to 4.2%
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score at 59.
Bankruptcy probability within 12 months
1.1% Low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 25,932 companies (NACE 62, micro).
About 1 in 100 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.3%
01-2025: 0.4%▲ +0.1 percentage points vs 12-2024
02-2025: 0.4%● unchanged vs 01-2025
03-2025: 0.2%▼ -0.2 percentage points vs 02-2025
04-2025: 0.1%▼ -0.1 percentage points vs 03-2025lowest value
05-2025: 0.1%● unchanged vs 04-2025lowest value
06-2025: 0.1%● unchanged vs 05-2025lowest value
07-2025: 0.1%● unchanged vs 06-2025lowest value
08-2025: 0.1%● unchanged vs 07-2025lowest value
09-2025: 0.1%● unchanged vs 08-2025lowest value
10-2025: 0.1%● unchanged vs 09-2025
11-2025: 0.1%● unchanged vs 10-2025
12-2025: 0.1%● unchanged vs 11-2025
01-2026: 0.1%● unchanged vs 12-2025
02-2026: 0.1%● unchanged vs 01-2026
03-2026: 0.1%● unchanged vs 02-2026
04-2026: 0.4%▲ +0.3 percentage points vs 03-2026
05-2026: 0.4%● unchanged vs 04-2026
06-2026: 0.4%● unchanged vs 05-2026
07-2026: 0.4%● unchanged vs 06-2026
08-2026: 0.4%● unchanged vs 07-2026
09-2026: 0.4%● unchanged vs 08-2026
10-2026: 1.1%▲ +0.7 percentage points vs 09-2026highest value
11-2026: 1.1%● unchanged vs 10-2026highest value
Financial strengthWeak
Score breakdown
raises risk
Capped at 59: a net loss of at least half of total assets or of the equity at the start of the financial year
Loss of €164,460 (financial year 2025)
1 change of registered office in 24 months
lowers risk
Size: total assets €945,552
Sector: Computer programming, consultancy and related activities (NACE 62)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 62, micro). It does better than 18% of them on solvency, 7% on liquidity, 5% on profitability and 13% on growth.
The bankruptcy probability was computed on 08-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-08-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 1,294 companies had the same profile as creativeOne has now. Each dot stands for 4 companies, two years later.
89.6%
were still trading
5.9%
stopped another way
4.1%
went bankrupt
Another 0.4% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of creativeOne itself: 1.1% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 1,294 companies, not a prediction for creativeOne. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €6,000 on 30-day terms, only on tighter conditions
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity is insufficient, with a current ratio of 0.56 (0.5 in 2024), below 1. Short-term debt is 59.8% and cash 0.5% of total assets. 86.4% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Six signals.
lowers riskraises riskneutral
raises risk · Weak solvency compared with the sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 21205 sector peers (2025).
NBB · sector comparisonPosition among 21205 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 30-03-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 day early
2024
3 days early
2023
12 days late
2022
18 days late
2021
22 days early
2020
29 days early
2019
42 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 10 days before the deadline. In the sector (NACE 62), the median for financial year 2024 was 9 days before the deadline, and 33% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The financial year that closed on 31-08-2026 is due by 31-03-2027. Nothing is late today. The company usually files around 30 March (5 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
31-08-2026 year end09-11-2026 today31-03-2027 deadline
Recent changes
Registered office moved within Namur
New registered office: Avenue des Dessus de Lives 2, 5101 Namur · Previous registered office: Avenue des Dessus de Lives 4, 5101 Namur (Erpent), Belgique · General meeting of 01-05-2026 · Gazette deed
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0896374525
Registered office moved from Wavre to Namur
New registered office: Avenue des Dessus de Lives 4, 5101 Namur · Previous registered office: Avenue Lavoisier 18B, 1300 Wavre · Permanent representative: Hervé Couplet · Gazette deed
New establishment in Evere
CREATIVE ONE, Kolonel Bourgstraat 127-129
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| creativeOne Namur | €0.9m | €351,228 | 13.6% | - |
| TRADETRACKER BELGIUM Ghent | €0.9m | €355,113 | 77.5% | - |
| Cre@Syn Burdinne | €0.9m | €356,479 | 33.2% | - |
| OPTIMAL COMPUTING Mons | €0.9m | €377,959 | 13.3% | - |
| Codux Kontich | €1.1m | €347,883 | 26.4% | 4.7 |
| in2Facts Beringen | €1.1m | €321,558 | 90.8% | 4.2 |
| IMAGILYS Brussels | €0.9m | €367,329 | 34.2% | 0 |
These companies have the same main activity as creativeOne: computer consultancy and computer facilities management (NACE 62200). They are comparable in size and age: total assets between €856,000 and €1.1m, founded between 2005 and 2008.
Official details
Source: KBO- Status
- Active since 06-03-2008Normal situation
- Registered office
- 141 active companies are registered at this address7 started in the 12 months before. Source: KBO register, as of 9 November 2026.
- Activity
- Computer consultancy and computer facilities managementNACE 62200and 4 others
- Establishment units
- 2.170.143.9805101 Namur, since 23-04-2008
- 2.211.022.5521140 Evere, since 01-07-2012
- Financial year end
- 31 August
- Peppol
- Reachable since 15-12-2025
Annual accounts to 31-08-2025
- ≈ €920,000estimated
- €945,552▲ 18.2%
- Employeeson 31-08-2025
- 8=
- Filing
- Filed on 30-03-2026, 1 day before the end of the filing period
Insights on creativeOne
creativeOne files the micro format. That format states no turnover. The gross margin rose from €183,492 in 2009 to €351,228 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about creativeOne
- What is the company number of creativeOne?
- The company number of creativeOne is 0896.374.525. The VAT number is the same number with BE in front: BE 0896.374.525.
- Where is creativeOne based?
- The registered office is at Avenue des Dessus de Lives 2, 5101 Namur.Company details
- What does creativeOne do?
- According to the KBO register, the main activity is computer consultancy and computer facilities management (NACE 62200).
- What is the legal form of creativeOne?
- creativeOne is a private limited company (pre-2019) (BVBA).
- When was creativeOne founded?
- creativeOne was founded on 06-03-2008.
- Is creativeOne still active?
- Yes, creativeOne is an active enterprise in the KBO register.
- How many employees does creativeOne have?
- creativeOne had an average of 7.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
- What is the turnover of creativeOne?
- The turnover in financial year 2025 is ≈ €920,000. This figure is estimated from the gross margin of €351,228 and 133 comparable companies (NACE 62200). It probably lies between €640,000 and €1.5m.
- Is creativeOne profitable?
- In financial year 2025, creativeOne made a loss of €164,460.
- Where can I find the annual accounts of creativeOne?
- creativeOne filed 17 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of creativeOne due?
- creativeOne must file the annual accounts for financial year 2026 by 31-03-2027.Timeline
Next steps
Work out how much credit to give this customer and on what payment terms.Credit check Check what to know before you do business with this company.Supplier due diligence Check whether you can accept this company as a client under the anti-money-laundering law.AML client file Check which of your other customers you can e-invoice via Peppol.Peppol check Compare this company with its sector.Sector benchmark See what changed in the latest annual accounts.What changed
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