Financials
- Fiscal year
- 2025
- Total assets
- €577,874
- Profit
- €36,077
- Solvency
- 51.9%
Total assets▲ 0.8%
Net result
20182025
KREATIC
ActiveSummary
KREATIC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €299,907 and a net result of €36,077. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 55% of 2997 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Overview
Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
1 site
Size
€577,874total assets 2025
- Equity
- €299,907
- Profit
- €36,077
Structure
Accounts filed 21 d late0 of 5 deeds read
Why 94+ Liquidity: current ratio 3.29, cash €177,341+ Size: total assets €577,874+ Sector Computer programming, consultancy and related activities (NACE 62)+ Figures for FY 2025 (filed 21-08-2026)Show the evidence
Checked score
Score 2025
94
/ 100
Excellent
Probability in this band: under 0.55%
Better than 52% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Financial strength · tick = 2024
Strong
Solvency
77+6
equity 51.9% of total assets
Liquidity
85+4
short-term debt 16.0% · cash 30.7%
Profitability
77-5
return on assets 6.2%
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 9 months
02-2026: < 0.1%
03-2026: < 0.1%▲ +3.3% vs 02-2026
04-2026: < 0.1%● 0.0% vs 03-2026
05-2026: < 0.1%▲ +3.2% vs 04-2026
06-2026: < 0.1%▲ +3.1% vs 05-2026
07-2026: < 0.1%▲ +12.1% vs 06-2026
08-2026: 0.1%▲ +75.7% vs 07-2026highest value
09-2026: < 0.1%▼ -56.9% vs 08-2026lowest value
10-2026: < 0.1%● 0.0% vs 09-2026lowest value
- Liquidity: current ratio 3.29, cash €177,341 lowers the probability
- Size: total assets €577,874 lowers the probability for this profile
- Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
- Figures for FY 2025 (filed 21-08-2026) lowers the probability
Credit up to €25,000 at 30 days acceptable
Liquidity ample (current ratio 3.29 against 2.67 in 2024; short-term debt: 16% and cash: 30.7% of total assets), and 48.1% of the assets are financed with debt.
How it is calculated
The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 44%, liquidity 69%, profitability 36%, growth against the median 60%. That is performance, not lower risk; the band itself always comes from the probability.
Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.
Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 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 · 10 filingsDeviation from the deadline
2025
21 d late
2024
21 d late
2023
30 d early
2022
33 d early
2021
40 d early
2020
25 d early
2019
3 d early
← 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 13 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 2 July (5 of the last 5 filed years within 50 days of that day).
Companies Code · seven monthsPosition in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
- Annual accounts filedfiscal year 2025 · abbreviated…
- Annual accounts filedfiscal year 2024 · full…
- Highest result since 2018net €60,199 ▲24.7%
Key points
By topic
Timeline
- Events
- 15
- Since
- 2017
- Next accounts
- by 31-07-2027
- 21-08-2026Annual accounts filed
- 21-08-2025Annual accounts filed
- 31-12-2024Highest result since 2018
Company details
- Sites
- 1
- Legal form
- Private limited company
- Activity
- Computer consultancy and computer facilities managementNACE 62200
- Founded
- 20-01-2011
- Year ends
- 31-12
- Peppol
- Reachable for e-invoices
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Your own company? See how customers, suppliers and banks see it and what to improve first.
Investigating this company? Keep it with today's facts in a case file.