CREATIVITIJD
ActiveSummary
CREATIVITIJD has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €68,602 and a net result of €45,998. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 47% of 17220 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+36
Solvency82▲+33
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6,000 at 30 days acceptable
Liquidity ample (current ratio 2.5 against 1.16 in 2024; short-term debt: 36.3% and cash: 36.8% of total assets), and 43% of the assets are financed with debt.
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Signals
Four 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
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
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
57%
Return on assets
38.2%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-04-2026, 101 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
101 d early
2024
44 d early
2023
23 d early
2022
28 d early
2021
19 d early
2020
28 d late
2019
30 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 22 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 3 July (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
29-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€68,602▲ 203%
2024 · €22,604
Total assets
€120,279▲ 28.3%
2024 · €93,771
Net result
€45,998▲ 2,349%
2024 · €1,878
Working capital
€65,395▲ 488%
2024 · €11,120
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€1,710▼ 92.9%€35,854▲ 1,997%€30,357▼ 15.3%€6,756▼ 77.7%€61,131▲ 805%
Net result€542below the sector's middle half▼ 97.0%€26,474within the sector's middle half▲ 4,785%€21,192within the sector's middle half▼ 20.0%€1,878below the sector's middle half▼ 91.1%€45,998within the sector's middle half▲ 2,349%
Equity€41,421within the sector's middle half▲ 1.3%€34,534within the sector's middle half▼ 16.6%€55,726within the sector's middle half▲ 61.4%€22,604below the sector's middle half▼ 59.4%€68,602within the sector's middle half▲ 203%
Total assets€79,412within the sector's middle half▲ 11.6%€142,874within the sector's middle half▲ 79.9%€114,371within the sector's middle half▼ 19.9%€93,771within the sector's middle half▼ 18.0%€120,279within the sector's middle half▲ 28.3%
Debt€37,991▲ 25.4%€108,340▲ 185%€58,645▼ 45.9%€71,167▲ 21.4%€51,677▼ 27.4%
Working capital€36,700within the sector's middle half▲ 63.0%€31,873within the sector's middle half▼ 13.2%€40,481within the sector's middle half▲ 27.0%€11,120below the sector's middle half▼ 72.5%€65,395within the sector's middle half▲ 488%
Solvency52.2%within the sector's middle half▼ 5.3pp24.2%below the sector's middle half▼ 28.0pp48.7%within the sector's middle half▲ 24.6pp24.1%below the sector's middle half▼ 24.6pp57.0%within the sector's middle half▲ 32.9pp
Current ratio2.20within the sector's middle half▲ 0.451.51within the sector's middle half▼ 0.691.73within the sector's middle half▲ 0.211.16below the sector's middle half▼ 0.572.50within the sector's middle half▲ 1.34
Return on assets (ROA)0.7%below the sector's middle half▼ 24.8pp18.5%within the sector's middle half▲ 17.8pp18.5%within the sector's middle half=2.0%below the sector's middle half▼ 16.5pp38.2%above the sector's middle half▲ 36.2pp
Staff (FTE)11=1.7▲ 70.0%1.7=1▼ 41.2%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 805% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120,279
Fixed assets
€11,195 ▼ 15.3%
Current assets
€109,084 ▲ 35.4%
Equity and liabilities €120,279
Equity
€68,602 ▲ 203%
Debt
€51,677 ▼ 27.4%
Debt's share of the balance-sheet total falls from 75.9% to 43.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€66,205▲
2024 · €11,692
Cash flow
€51,072▲
2024 · €6,814
Debt to equity
0.75▼
2024 · 3.15
ROE
67.1%▲
2024 · 8.3%
Interest coverage
33.77▲
2024 · 5.07
Debt ≤ 1 year
€43,689▼
2024 · €69,433
Income taxes
€13,214▲
2024 · €2,638
Staff costs
€31,789▼
2024 · €71,484
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.3% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,338 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| 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% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.9% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | €9,305 | €974 | €0 | - | - |
| Remuneration, social security and pensions62 | €16,861 | €44,541 | €64,319 | €71,484 | €31,789 | ▼ 55.5% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,788 | €8,512 | €4,213 | €4,936 | €5,074 | ▲ 2.8% |
| Other operating charges640/8 | €420 | €2,441 | €1,939 | €13,030 | €878 | ▼ 93.3% |
| Gross operating margin9900 | €31,778 | €91,348 | €100,828 | €96,205 | €98,871 | ▲ 2.8% |
| Operating profit (loss)9901 | €1,710 | €35,854 | €30,357 | €6,756 | €61,131 | ▲ 805% |
| Financial income75/76B | €650 | €174 | €551 | €66 | €42 | ▼ 36.5% |
| Recurring financial income75 | €650 | €174 | €551 | €66 | €42 | ▼ 36.5% |
| Financial charges65/66B | €519 | €1,402 | €2,391 | €2,306 | €1,961 | ▼ 15.0% |
| Recurring financial charges65 | €519 | €1,402 | €2,391 | €2,306 | €1,961 | ▼ 15.0% |
| Profit (loss) for the period before taxes9903 | €1,840 | €34,627 | €28,516 | €4,516 | €59,213 | ▲ 1,211% |
| Income taxes67/77 | €1,298 | €8,153 | €7,324 | €2,638 | €13,214 | ▲ 401% |
| Profit (loss) for the period9904 | €542 | €26,474 | €21,192 | €1,878 | €45,998 | ▲ 2,349% |
| Profit (loss) for the period to be appropriated9905 | €542 | €26,474 | €21,192 | €1,878 | €45,998 | ▲ 2,349% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €79,412 | €142,874 | €114,371 | €93,771 | €120,279 | ▲ 28.3% |
| Fixed assets21/28 | €12,079 | €48,671 | €18,154 | €13,218 | €11,195 | ▼ 15.3% |
| Intangible fixed assets21 | €5,455 | €0 | - | - | - | - |
| Tangible fixed assets22/27 | €5,274 | €47,321 | €16,804 | €11,868 | €9,845 | ▼ 17.0% |
| Land and buildings22 | - | €1,609 | €1,285 | €961 | €637 | ▼ 33.7% |
| Furniture and vehicles24 | €5,274 | €4,358 | €15,518 | €10,906 | €9,208 | ▼ 15.6% |
| Leasing and similar rights25 | - | €41,354 | €0 | - | - | - |
| Financial fixed assets28 | €1,350 | €1,350 | €1,350 | €1,350 | €1,350 | = |
| Current assets29/58 | €67,333 | €94,203 | €96,217 | €80,553 | €109,084 | ▲ 35.4% |
| Stocks and contracts in progress3 | - | - | €4,938 | €5,410 | €0 | ▼ 100% |
| Contracts in progress37 | - | - | €4,938 | €5,410 | €0 | ▼ 100% |
| Amounts receivable within one year40/41 | €22,764 | €26,595 | €40,234 | €15,800 | €34,444 | ▲ 118% |
| Trade receivables40 | €21,343 | €26,595 | €39,401 | €15,420 | €30,159 | ▲ 95.6% |
| Other amounts receivable41 | €1,421 | €0 | €833 | €380 | €4,286 | ▲ 1,029% |
| Current investments50/53 | - | - | €1,035 | €7,526 | €16,869 | ▲ 124% |
| Cash at bank and in hand54/58 | €43,329 | €67,540 | €34,305 | €35,398 | €44,253 | ▲ 25.0% |
| Deferred charges and accrued income490/1 | €1,239 | €68 | €15,705 | €16,420 | €13,518 | ▼ 17.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €79,412 | €142,874 | €114,371 | €93,771 | €120,279 | ▲ 28.3% |
| Equity10/15 | €41,421 | €34,534 | €55,726 | €22,604 | €68,602 | ▲ 203% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €35,221 | €28,334 | €49,526 | €16,404 | €62,402 | ▲ 280% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €0 | - | - | - |
| Distributable reserves133 | €33,361 | €26,474 | €49,526 | €16,404 | €62,402 | ▲ 280% |
| Profit (loss) carried forward14 | €0 | €0 | €0 | €0 | €0 | - |
| Amounts payable17/49 | €37,991 | €108,340 | €58,645 | €71,167 | €51,677 | ▼ 27.4% |
| Amounts payable after more than one year17 | €6,913 | €29,131 | €2,909 | €0 | - | - |
| Financial debts170/4 | €6,913 | €29,131 | €2,909 | €0 | - | - |
| Amounts payable within one year42/48 | €30,633 | €62,330 | €55,736 | €69,433 | €43,689 | ▼ 37.1% |
| Current portion of amounts payable after more than one year42 | €1,958 | €7,758 | €2,017 | €2,909 | €862 | ▼ 70.4% |
| Financial debts43 | - | - | €1,063 | €2,781 | €2,581 | ▼ 7.2% |
| Credit institutions430/8 | - | - | €1,063 | €2,781 | €2,581 | ▼ 7.2% |
| Trade debts44 | €5,691 | €6,432 | €5,826 | €10,554 | €8,314 | ▼ 21.2% |
| Suppliers440/4 | €5,691 | €6,432 | €5,826 | €10,554 | €8,314 | ▼ 21.2% |
| Taxes, remuneration and social security45 | €8,617 | €14,305 | €24,086 | €17,934 | €13,841 | ▼ 22.8% |
| Taxes450/3 | €8,617 | €5,978 | €12,120 | €13,329 | €11,841 | ▼ 11.2% |
| Remuneration and social security454/9 | - | €8,328 | €11,965 | €4,604 | €2,000 | ▼ 56.6% |
| Other amounts payable47/48 | €14,367 | €33,835 | €22,745 | €35,254 | €18,092 | ▼ 48.7% |
| Accrued charges and deferred income492/3 | €445 | €16,880 | €0 | €1,734 | €7,988 | ▲ 361% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €542 | €26,474 | €21,192 | €1,878 | €45,998 | ▲ 2,349% |
| + Depreciation and write-downs630 | €12,788 | €8,512 | €4,213 | €4,936 | €5,074 | ▲ 2.8% |
| Operating cash flow (approximation) | €13,330 | €34,986 | €25,405 | €6,814 | €51,072 | ▲ 650% |
| Investment in fixed assets (approximation) | - | -€45,104 | €26,305 | €0 | -€3,051 | - |
| Change in cash | - | €24,210 | -€33,234 | €1,093 | €8,855 | ▲ 710% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €45,998 ▲2,349%
Operating result €61,131, net result €45,998, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.50
Current ratio from 1.16 to 2.50; short-term debt falls from €69,433 to €43,689.
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €542 ▼97%
Net result drops to €542, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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, Peer · 2 establishment units since 2017
Ground area
1,820 m²
Building footprint
311 m²
Volume, LiDAR
1,597 m³
2 parcels, Flanders · tallest building 11.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CREATIVITIJD
since 20172.266.081.831
Creativitijd
since 20212.317.681.277
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72035B0416/00L000 | Flanders | 911 m² | 1 · 128 m² | 6.1 m · 2 fl. |
| 72030A0512/00D000 | Flanders | 909 m² | 1 · 183 m² | 11.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 1,208 EUR awarded · 1,208 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 1,208 EUR | 1,208 EUR |
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Of 16,915 companies in sector 62100 we hold annual accounts for 8,786. 6,930 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded13-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
62200Computer consultancy and computer facilities management
71112Activities of interior architects
73110Advertising agencies
73300Public relations and communication consultancy
Contact
E-invoicing
Reachable via Peppol
Peppol ID
0208:0678582504
Also
9925:BE0678582504
Registered
29-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.