CREATOOZ
ActiveSummary
CREATOOZ has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €590k and a net result of €29k. Equity is growing by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 20780 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability75▼-10
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days only on tighter terms
Liquidity ample (current ratio 21.42 against 19.93 in 2023; short-term debt: 4.5% and cash: 56.5% of total assets), and 4.5% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk
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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
95.5%
Return on assets
4.7%
Age of the figures
21 mo
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-01-2026, 162 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
162 d late
2023
97 d late
2022
78 d late
2021
127 d late
2020
173 d late
2019
46 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€168k
EBIT margin
30.9%
Net result
€29k▼ 24.8%
2023 · €39k
2018: €30k
2019: €3k▼ -90.3% vs 2018lowest in 7 years
2020: €202k▲ +6859% vs 2019highest in 7 years
2021: €51k▼ -74.6% vs 2020
2022: €57k▲ +11.9% vs 2021
2023: €39k▼ -32.1% vs 2022
2024: €29k▼ -24.8% vs 2023
2018 → 2024
Working capital
€563k▲ 4.6%
2023 · €538k
2018: €131klowest in 7 years
2019: €151k▲ +14.6% vs 2018
2020: €405k▲ +169% vs 2019
2021: €463k▲ +14.2% vs 2020
2022: €498k▲ +7.6% vs 2021
2023: €538k▲ +8.0% vs 2022
2024: €563k▲ +4.6% vs 2023highest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€168k
Equity€413k-€464k▲ 12.4%€522k▲ 12.4%€561k▲ 7.5%€590k▲ 5.2%
2020: €413klowest in 5 years
2021: €464k▲ +12.4% vs 2020
2022: €522k▲ +12.4% vs 2021
2023: €561k▲ +7.5% vs 2022
2024: €590k▲ +5.2% vs 2023highest in 5 years
Operating result€278k-€56k▼ 79.9%€75k▲ 34.5%€52k▼ 31.0%€37k▼ 29.2%
2020: €278khighest in 5 years
2021: €56k▼ -79.9% vs 2020
2022: €75k▲ +34.5% vs 2021
2023: €52k▼ -31.0% vs 2022
2024: €37k▼ -29.2% vs 2023lowest in 5 years
Net result€202k-€51k▼ 74.6%€57k▲ 11.9%€39k▼ 32.1%€29k▼ 24.8%
2020: €202khighest in 5 years
2021: €51k▼ -74.6% vs 2020
2022: €57k▲ +11.9% vs 2021
2023: €39k▼ -32.1% vs 2022
2024: €29k▼ -24.8% vs 2023lowest in 5 years
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 29% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €618k
Fixed assets
€27k ▲ 20.2%
Current assets
€590k ▲ 4.2%
Equity and liabilities €618k
Equity
€590k ▲ 5.2%
Debt
€28k ▼ 3.1%
Debt's share of the balance-sheet total falls from 4.8% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€41k▼
2023 · €56k
Cash flow
€34k▼
2023 · €43k
Current ratio
21.42▲
2023 · 19.93
Debt to equity
0.05▼
2023 · 0.05
ROE
5.0%▼
2023 · 7.0%
ROA
4.7%▼
2023 · 6.6%
Interest coverage
56.71▼
2023 · 214.47
Debt ≤ 1 year
€28k▼
2023 · €28k
Income taxes
€16k▼
2023 · €20k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€589k€618k▲
Fixed assets21/28€22k€27k▲
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€22k€27k▲
Land and buildings22€19k€19k▲
Furniture and vehicles24€4k€8k▲
Current assets29/58€567k€590k▲
Amounts receivable after more than one year29€130k€106k▼
Other amounts receivable291€130k€106k▼
Amounts receivable within one year40/41€112k€133k▲
Trade receivables40€18k€12k▼
Other amounts receivable41€94k€121k▲
Cash at bank and in hand54/58€319k€349k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€589k€618k▲
Equity10/15€561k€590k▲
Contributions10/11€19k€19k=
Reserves13€538k€567k▲
Distributable reserves133€538k€567k▲
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€28k€28k▼
Amounts payable within one year42/48€28k€28k▼
Trade debts44€634€458▼
Suppliers440/4€634€458▼
Taxes, remuneration and social security45€28k€27k▼
Taxes450/3€28k€27k▼
Income statement
Code20232024
Turnover70€168k-
Goods, raw materials, services and sundry goods60/61€113k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€558€4k▲
Gross operating margin9900€56k€45k▼
Operating profit (loss)9901€52k€37k▼
Financial income75/76B€8k€10k▲
Recurring financial income75€8k€10k▲
Financial charges65/66B€260€728▲
Recurring financial charges65€260€728▲
Profit (loss) for the period before taxes9903€59k€46k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€39k€29k▼
Profit (loss) for the period to be appropriated9905€39k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€43k€34k▼
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer to equity691/2€39k€29k▼
To other reserves6921€39k€29k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | - | - | - | €168k | - | - |
| Goods, raw materials, services and sundry goods60/61 | - | - | - | €113k | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10k | €6k | €3k | €4k | €5k | ▲ 19.3% |
| Other operating charges640/8 | - | €1k | €414 | €558 | €4k | ▲ 645% |
| Gross operating margin9900 | €290k | €63k | €79k | €56k | €45k | ▼ 19.2% |
| Operating profit (loss)9901 | €278k | €56k | €75k | €52k | €37k | ▼ 29.2% |
| Financial income75/76B | - | €10k | €9k | €8k | €10k | ▲ 26.0% |
| Recurring financial income75 | €4k | €10k | €9k | €8k | €10k | ▲ 26.0% |
| Financial charges65/66B | - | €251 | €235 | €260 | €728 | ▲ 180% |
| Recurring financial charges65 | €341 | €251 | €235 | €260 | €728 | ▲ 180% |
| Profit (loss) for the period before taxes9903 | €291k | €66k | €83k | €59k | €46k | ▼ 22.9% |
| Income taxes67/77 | €90k | €14k | €26k | €20k | €16k | ▼ 19.2% |
| Profit (loss) for the period9904 | €202k | €51k | €57k | €39k | €29k | ▼ 24.8% |
| Profit (loss) for the period to be appropriated9905 | €202k | €51k | €57k | €39k | €29k | ▼ 24.8% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €507k | €566k | €538k | €589k | €618k | ▲ 4.8% |
| Fixed assets21/28 | €8k | €1k | €23k | €22k | €27k | ▲ 20.2% |
| Intangible fixed assets21 | €5k | - | - | €0 | €0 | - |
| Tangible fixed assets22/27 | €2k | €1k | €23k | €22k | €27k | ▲ 20.2% |
| Land and buildings22 | - | - | €18k | €19k | €19k | ▲ 2.8% |
| Furniture and vehicles24 | - | €1k | €5k | €4k | €8k | ▲ 110% |
| Current assets29/58 | €499k | €565k | €515k | €567k | €590k | ▲ 4.2% |
| Amounts receivable after more than one year29 | - | €162k | €154k | €130k | €106k | ▼ 18.5% |
| Other amounts receivable291 | - | €162k | €154k | €130k | €106k | ▼ 18.5% |
| Amounts receivable within one year40/41 | €345k | €93k | €121k | €112k | €133k | ▲ 18.5% |
| Trade receivables40 | - | €20k | €21k | €18k | €12k | ▼ 35.3% |
| Other amounts receivable41 | - | €73k | €100k | €94k | €121k | ▲ 28.8% |
| Cash at bank and in hand54/58 | €133k | €306k | €236k | €319k | €349k | ▲ 9.5% |
| Deferred charges and accrued income490/1 | - | €4k | €5k | €5k | €2k | ▼ 59.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €507k | €566k | €538k | €589k | €618k | ▲ 4.8% |
| Equity10/15 | €413k | €464k | €522k | €561k | €590k | ▲ 5.2% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €390k | €441k | €499k | €538k | €567k | ▲ 5.4% |
| Non-distributable reserves130/1 | - | €2k | €2k | - | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | - | - | - |
| Distributable reserves133 | - | €439k | €497k | €538k | €567k | ▲ 5.4% |
| Profit (loss) carried forward14 | €5k | €5k | €5k | €5k | €5k | = |
| Amounts payable17/49 | €94k | €102k | €17k | €28k | €28k | ▼ 3.1% |
| Amounts payable within one year42/48 | €94k | €102k | €17k | €28k | €28k | ▼ 3.1% |
| Current portion of amounts payable after more than one year42 | - | €311 | - | - | - | - |
| Financial debts43 | - | €891 | €303 | - | - | - |
| Other loans439 | - | €891 | €303 | - | - | - |
| Trade debts44 | €1k | €169 | €305 | €634 | €458 | ▼ 27.8% |
| Suppliers440/4 | - | €169 | €305 | €634 | €458 | ▼ 27.8% |
| Taxes, remuneration and social security45 | - | €100k | €16k | €28k | €27k | ▼ 2.5% |
| Taxes450/3 | - | €100k | €16k | €28k | €27k | ▼ 2.5% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €202k | €51k | €57k | €39k | €29k | ▼ 24.8% |
| + Depreciation and write-downs630 | €10k | €6k | €3k | €4k | €5k | ▲ 19.3% |
| Operating cash flow (approximation) | €211k | €58k | €61k | €43k | €34k | ▼ 20.9% |
| Investment in fixed assets (approximation) | - | €0 | €-25k | €-3k | €-9k | ▼ 209% |
| Change in cash | - | €173k | €-70k | €83k | €30k | ▼ 63.5% |
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
2026
09-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 162 days late
2024
05-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 97 days late
2023
17-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 78 days late
2022
31-12
Financial
Liquidity times 6current ratio 30.66
Current ratio from 5.55 to 30.66; short-term debt falls from €102k to €17k.
31-12
Financial
Equity above €500kEq €522k ▲12.4%
5 profitable years in a row build equity to €522k.
05-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 127 days late
20-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 173 days late
2020
31-12
Financial
Highest result since 2018net €202k ▲6,859%
Operating result €278k, net result €202k, both a record.
15-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 46 days late
2019
31-12
Financial
Weakest financial yearnet €3k ▼90.3%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 17.34
Current ratio from 5.98 to 17.34; short-term debt falls from €26k to €9k.
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Show earlier events
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
21-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 21 days late
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
2 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, Boechout · 1 establishment unit since 2011
Ground area
500 m²
Building footprint
115 m²
Volume, LiDAR
812 m³
Parcel 11004D0263/00P004, Flanders · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Creatooz
since 20112.195.714.863
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11004D0263/00P004 | Flanders | 500 m² | 1 · 115 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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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Of 29,993 companies in sector 62200 we hold annual accounts for 18,396. 11,250 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
Founded17-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.