CREOVA
ActiveCREOVA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €15k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 52% of 780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-31
Solvency95▼-5
Growth52=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 19.13 against 6.33 in 2024), and 49.8% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← 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
50.2%
Return on assets
2.8%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
2 d early
2024
49 d early
2023
42 d early
2022
20 d early
2021
49 d early
2020
18 d early
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close13-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€268k▲ 6.0%
2024 · €253k
2019: €132k
2020: €203k
2021: €289k
2022: €232k
2023: €253k
2024: €253k
2019 → 2025
Total assets
€534k▲ 81.6%
2024 · €294k
2019: €388k
2020: €415k
2021: €428k
2022: €240k
2023: €266k
2024: €294k
2019 → 2025
Net result
€15k▼ 49.0%
2024 · €30k
2019: €78k
2020: €71k
2021: €86k
2022: €-57k
2023: €20k
2024: €30k
2019 → 2025
Working capital
€104k▼ 52.5%
2024 · €218k
2019: €41k
2020: €49k
2021: €98k
2022: €191k
2023: €212k
2024: €218k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€289k-€232k▼ 19.7%€253k▲ 8.7%€253k▲ 0.1%€268k▲ 6.0%
Operating result€120k-€-55k€21k€40k▲ 86.8%€25k▼ 37.8%
Net result€86k-€-57k€20k€30k▲ 46.5%€15k▼ 49.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €534k
Fixed assets
€424k▲ 1,130%
Current assets
€109k▼ 57.8%
Equity and liabilities €534k
Equity
€268k▲ 6.0%
Debt
€266k▲ 549%
The debt ratio rises from 13.9% to 49.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€37k▼
2024 · €48k
Cash flow
€27k▼
2024 · €38k
Solvency
50.2%▼
2024 · 86.1%
Current ratio
19.13▲
2024 · 6.33
Quick ratio
19.13▲
2024 · 6.33
Debt / equity
0.99▲
2024 · 0.16
ROE
5.7%▼
2024 · 11.8%
ROA
2.8%▼
2024 · 10.1%
Interest coverage
9.31▼
2024 · 195.52
Debt
€266k▲
2024 · €41k
Debt ≤ 1 year
€6k▼
2024 · €41k
Debt > 1 year
€260k
Income taxes
€7k▼
2024 · €12k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€294k€534k▲
Fixed assets21/28€35k€424k▲
Tangible fixed assets22/27€35k€424k▲
Land and buildings22€1k€398k▲
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€24k€18k▼
Other tangible fixed assets26€7k€7k▼
Current assets29/58€259k€109k▼
Amounts receivable after more than one year29€32k€20k▼
Other amounts receivable291€32k€20k▼
Amounts receivable within one year40/41€43k€31k▼
Trade receivables40€23k€30k▲
Other amounts receivable41€20k€1k▼
Cash at bank and in hand54/58€180k€55k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€294k€534k▲
Equity10/15€253k€268k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€232k€248k▲
Amounts payable17/49€41k€266k▲
Amounts payable after more than one year17-€260k
Financial debts170/4-€260k
Amounts payable within one year42/48€41k€6k▼
Financial debts43€137€144▲
Other loans439€137€144▲
Trade debts44€0€2k▲
Suppliers440/4€0€2k▲
Taxes, remuneration and social security45€16k€4k▼
Taxes450/3€14k€4k▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€25k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€12k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A-€78
Gross operating margin9900€49k€39k▼
Operating profit (loss)9901€40k€25k▼
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€243€4k▲
Recurring financial charges65€243€4k▲
Profit (loss) for the period before taxes9903€42k€22k▼
Income taxes67/77€12k€7k▼
Profit (loss) for the period9904€30k€15k▼
Profit (loss) for the period to be appropriated9905€30k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€262k€248k▼
Profit (loss) brought forward from the previous period14P€232k€232k▲
Profit to be distributed694/7€29k€0▼
Return on contributions (dividend)694€29k€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
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity triplescurrent ratio 19.13
Current ratio from 6.33 to 19.13; short-term debt falls from €41k to €6k.
2024
13-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
11-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €-57k ▼166%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 9current ratio 25.41
Current ratio from 2.68 to 25.41; short-term debt falls from €58k to €8k.
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €86k ▲21.4%
Operating result €120k, net result €86k, both a record.
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
Financial
Equity above €200kEq €203k ▲53.7%
2 profitable years in a row build equity to €203k.
09-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Brasschaat · 1 establishment unit since 2017
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.
Miksebeekstraat 872930 BrasschaatGround area
789 m²
Building footprint
112 m²
Volume, LiDAR
409 m³
Parcel 11324D0309/00S000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CREOVA
since 20172.268.279.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11324D0309/00S000 | Flanders | 789 m² | 1 · 112 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 2 entries · 1,155 EUR awarded · 1,155 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 930 EUR | 930 EUR |
| 2022 | 1 | 225 EUR | 225 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,347 companies in sector 78100 we hold annual accounts for 1,355. 1,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2017
Fiscal year end30-06
Activities, NACEBEL
78100Employment placement agencies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73110Advertising agencies
73300Public relations and communication consultancy
85599Other education
90031Arts creation and performing arts activities
90111Literary creation
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.