Creativo
ActiveCreativo has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €136k and a net result of €13k. Equity is growing by ~35.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 6159 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
86
/ 100
Excellent▼ -7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability47▼-53
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 4.16 against 3.74 in 2023), and 23.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
8 d early
2022
122 d late
2021
31 d late
2020
30 d late
2019
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€136k▲ 10.4%
2023 · €123k
2018: €-15k
2019: €25k
2020: €45k
2021: €70k
2022: €99k
2023: €123k
2018 → 2024
Total assets
€179k▲ 6.7%
2023 · €168k
2018: €118k
2019: €125k
2020: €137k
2021: €146k
2022: €156k
2023: €168k
2018 → 2024
Net result
€13k▼ 48.1%
2023 · €25k
2018: €38k
2019: €39k
2020: €21k
2021: €25k
2022: €29k
2023: €25k
2018 → 2024
Working capital
€135k▲ 11.2%
2023 · €122k
2018: €20k
2019: €44k
2020: €64k
2021: €84k
2022: €96k
2023: €122k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€45k-€70k▲ 54.1%€99k▲ 40.9%€123k▲ 25.2%€136k▲ 10.4%
Operating result€26k-€32k▲ 23.0%€45k▲ 40.2%€38k▼ 15.5%€18k▼ 52.2%
Net result€21k-€25k▲ 17.6%€29k▲ 16.6%€25k▼ 13.3%€13k▼ 48.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 52% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €179k
Fixed assets
€735▼ 50.0%
Current assets
€178k▲ 7.2%
Equity and liabilities €179k
Equity
€136k▲ 10.4%
Debt
€43k▼ 3.7%
The debt ratio falls from 26.5% to 23.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€19k▼
2023 · €39k
Cash flow
€14k▼
2023 · €26k
Solvency
76.1%▲
2023 · 73.5%
Current ratio
4.16▲
2023 · 3.74
Quick ratio
4.14▲
2023 · 3.72
Debt / equity
0.31▼
2023 · 0.36
ROE
9.5%▼
2023 · 20.1%
ROA
7.2%▼
2023 · 14.8%
Interest coverage
7.24▼
2023 · 15.06
Debt
€43k▼
2023 · €44k
Debt ≤ 1 year
€43k▼
2023 · €44k
Income taxes
€6k▼
2023 · €14k
Staff costs
€39k▲
2023 · €25k
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€168k€179k▲
Formation expenses20€0-
Fixed assets21/28€1k€735▼
Intangible fixed assets21€1-
Tangible fixed assets22/27€1k€735▼
Furniture and vehicles24€1k€735▼
Other tangible fixed assets26€0€0=
Current assets29/58€166k€178k▲
Stocks and contracts in progress3€1k€980▼
Stocks30/36€1k€980▼
Amounts receivable within one year40/41€160k€173k▲
Other amounts receivable41€160k€173k▲
Cash at bank and in hand54/58€2k€89▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€168k€179k▲
Equity10/15€123k€136k▲
Contributions10/11€20k€20k=
Reserves13€103k€116k▲
Non-distributable reserves130/1€226-
Reserves not available under the articles1311€226-
Distributable reserves133€103k€116k▲
Amounts payable17/49€44k€43k▼
Amounts payable within one year42/48€44k€43k▼
Current portion of amounts payable after more than one year42-€5k
Financial debts43€9k€6k▼
Credit institutions430/8€9k€6k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€29k€30k▲
Taxes450/3€27k€26k▼
Remuneration and social security454/9€2k€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€25k€39k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€735€736▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€67k€60k▼
Operating profit (loss)9901€38k€18k▼
Financial income75/76B€3k€3k▼
Recurring financial income75€3k€3k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€39k€19k▼
Income taxes67/77€14k€6k▼
Profit (loss) for the period9904€25k€13k▼
Profit (loss) for the period to be appropriated9905€25k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€13k▼
Transfer to equity691/2€25k€13k▼
To other reserves6921€25k€13k▼
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €13k ▼48.1%
Net result drops to €13k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €123k ▲25.2%
6 profitable years in a row build equity to €123k.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Highest result since 2018net €39k ▲4.9%
Operating result €49k, net result €39k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · 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
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, Genk · 1 establishment unit since 2013
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.
Hoefstadstraat 83600 GenkGround area
155 m²
Building footprint
155 m²
Volume, LiDAR
933 m³
Parcel 71307H0034/00B104, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREATIVO
since 20132.216.936.483
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0034/00B104 | Flanders | 155 m² | 1 · 155 m² | 9.2 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.
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Baard & Co
BE 0463.789.563
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KAPSALON SVEN
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Of 21,678 companies in sector 96210 we hold annual accounts for 2,807. 1,595 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2013
Fiscal year end31-12
Activities, NACEBEL
96021Hairdressing
96210Hairdressing and barber services
96022Beauty treatment
96220Beauty care and other beauty treatments
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.