Creativeskills
ActiveCreativeskills has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €113k and a net result of €-29k. Equity is shrinking by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 2831 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability59▼-11
Solvency54▲+8
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 1.17 in 2023; short-term debt: 26.6% and cash: 0.4% of total assets), but 70.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2024Solvency, return and age of the figures
Solvency
29.4%
Return on assets
-7.6%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
278 d late
2022
56 d late
2021
61 d late
2020
30 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€113k▼ 20.6%
2023 · €142k
2020: €162k
2021: €132k
2022: €134k
2023: €142k
2020 → 2024
Total assets
€383k▼ 43.1%
2023 · €673k
2020: €746k
2021: €675k
2022: €578k
2023: €673k
2020 → 2024
Net result
€-29k
2023 · €8k
2020: €23k
2021: €150k
2022: €152k
2023: €8k
2020 → 2024
Working capital
€55k▲ 21.0%
2023 · €45k
2020: €-31k
2021: €-114k
2022: €-74k
2023: €45k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€162k-€132k▼ 18.6%€134k▲ 1.8%€142k▲ 5.7%€113k▼ 20.6%
Operating result€42k-€215k▲ 415%€157k▼ 27.1%€8k▼ 94.7%€-37k
Net result€23k-€150k▲ 557%€152k▲ 1.7%€8k▼ 95.0%€-29k
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 turns negative in 2024: a loss of €37k after €8k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €383k
Fixed assets
€226k▼ 36.5%
Current assets
€157k▼ 50.4%
Equity and liabilities €383k
Equity
€113k▼ 20.6%
Debt
€271k▼ 49.1%
The debt ratio falls from 78.9% to 70.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€93k▼
2023 · €134k
Cash flow
€101k▼
2023 · €133k
Solvency
29.4%▲
2023 · 21.1%
Current ratio
1.54▲
2023 · 1.17
Quick ratio
1.54▲
2023 · 1.17
Debt / equity
2.40▼
2023 · 3.74
ROE
-25.9%▼
2023 · 5.4%
ROA
-7.6%▼
2023 · 1.1%
Interest coverage
20.63▼
2023 · 29.82
Debt
€271k▼
2023 · €531k
Debt ≤ 1 year
€102k▼
2023 · €271k
Debt > 1 year
€153k▼
2023 · €243k
Income taxes
€0▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€673k€383k▼
Fixed assets21/28€357k€226k▼
Intangible fixed assets21€357k€226k▼
Current assets29/58€316k€157k▼
Amounts receivable within one year40/41€312k€150k▼
Trade receivables40€55k€40k▼
Other amounts receivable41€257k€110k▼
Cash at bank and in hand54/58€416€2k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€673k€383k▼
Equity10/15€142k€113k▼
Contributions10/11€20k€20k=
Reserves13€122k€93k▼
Distributable reserves133€122k€93k▼
Profit (loss) carried forward14€0-
Amounts payable17/49€531k€271k▼
Amounts payable after more than one year17€243k€153k▼
Financial debts170/4€243k€153k▼
Amounts payable within one year42/48€271k€102k▼
Current portion of amounts payable after more than one year42€45k€90k▲
Trade debts44€174k€96▼
Suppliers440/4€174k€96▼
Taxes, remuneration and social security45€52k€11k▼
Taxes450/3€52k€11k▼
Accrued charges and deferred income492/3€17k€16k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€126k€130k▲
Other operating charges640/8€846€1k▲
Gross operating margin9900€135k€94k▼
Operating profit (loss)9901€8k€-37k▼
Financial income75/76B€6k€13k▲
Recurring financial income75€6k€13k▲
Financial charges65/66B€4k€4k=
Recurring financial charges65€4k€4k=
Profit (loss) for the period before taxes9903€10k€-29k▼
Income taxes67/77€3k€0▼
Profit (loss) for the period9904€8k€-29k▼
Profit (loss) for the period to be appropriated9905€8k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-29k▼
Profit (loss) brought forward from the previous period14P€2k€0▼
Transfer from equity791/2-€29k
Transfer to equity691/2€10k€0▼
To other reserves6921€10k€0▼
Profit to be distributed694/7€0-
Directors or managers695€0-
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
05-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 278 days late
2024
31-12
Financial
Weakest financial yearnet €-29k ▼483%
Net result drops to €-29k, the lowest in the series.
2023
31-12
Financial
Liquidity doublescurrent ratio 1.17
Current ratio from 0.56 to 1.17.
25-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 56 days late
2022
31-12
Financial
Highest result since 2020net €152k ▲1.7%
Net result €152k, the highest in the series.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Lichtervelde · 1 establishment unit since 2019
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.
Processieweg 38810 LichterveldeGround area
891 m²
Building footprint
104 m²
Volume, LiDAR
507 m³
Parcel 36011D0260/00G002, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Creativeskills
since 20192.291.995.182
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011D0260/00G002 | Flanders | 891 m² | 1 · 104 m² | 7.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GMAXI
BE 0745.815.776
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D.D.C. INTERNATIONAL BELGIQUE
BE 0429.059.506
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T-CONSULTING
BE 0885.498.944
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SOFTRIX
BE 0729.674.184
Zedelgem · Eq €113k
JANI & Co
BE 1014.211.808
Evere · Eq €113k
Of 16,874 companies in sector 62100 we hold annual accounts for 8,779. 6,960 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-2019
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
58290Other software publishing
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.