KREATIK
ActiveKREATIK has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €245k and a net result of €242k. Equity is growing by ~79.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 878 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +47 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+91
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 10.64 against 0.87 in 2023), and 8.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 58
Relative position
BE, all sectors
reference
Sector 58
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 2024Solvency, return and age of the figures
Solvency
91.2%
Return on assets
90.1%
Age of the figures
20 mo
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
125 d early
2022
14 d early
2021
15 d early
2020
25 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€245k▲ 8,058%
2023 · €3k
2020: €21k
2021: €43k
2022: €75k
2023: €3k
2020 → 2024
Total assets
€268k▲ 55.3%
2023 · €173k
2020: €28k
2021: €55k
2022: €98k
2023: €173k
2020 → 2024
Net result
€242k▲ 55.4%
2023 · €156k
2020: €18k
2021: €22k
2022: €33k
2023: €156k
2020 → 2024
Working capital
€226k
2023 · €-22k
2020: €20k
2021: €43k
2022: €75k
2023: €-22k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€21k-€43k▲ 105%€75k▲ 76.6%€3k▼ 96.0%€245k▲ 8,058%
Operating result€22k-€27k▲ 22.1%€41k▲ 50.0%€201k▲ 392%€247k▲ 23.0%
Net result€18k-€22k▲ 22.2%€33k▲ 49.8%€156k▲ 378%€242k▲ 55.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 23% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €268k
Fixed assets
€18k▼ 25.8%
Current assets
€250k▲ 68.8%
Equity and liabilities €268k
Equity
€245k▲ 8,058%
Debt
€23k▼ 86.2%
The debt ratio falls from 98.3% to 8.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€255k▲
2023 · €205k
Cash flow
€249k▲
2023 · €160k
Solvency
91.2%▲
2023 · 1.7%
Current ratio
10.64▲
2023 · 0.87
Quick ratio
10.64▲
2023 · 0.87
Debt / equity
0.10▼
2023 · 56.57
ROE
98.8%
ROA
90.1%▲
2023 · 90.1%
Interest coverage
736.57▼
2023 · 1898.28
Debt
€23k▼
2023 · €170k
Debt ≤ 1 year
€23k▼
2023 · €170k
Income taxes
€5k▼
2023 · €45k
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€173k€268k▲
Fixed assets21/28€25k€18k▼
Tangible fixed assets22/27€25k€18k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€25k€17k▼
Current assets29/58€148k€250k▲
Amounts receivable within one year40/41€21k€99k▲
Trade receivables40€21k€36k▲
Other amounts receivable41€212€63k▲
Cash at bank and in hand54/58€118k€151k▲
Deferred charges and accrued income490/1€9k€488▼
Equity and liabilities
Total equity and liabilities10/49€173k€268k▲
Equity10/15€3k€245k▲
Contributions10/11€3k€3k=
Reserves13-€242k
Distributable reserves133-€242k
Amounts payable17/49€170k€23k▼
Amounts payable within one year42/48€170k€23k▼
Trade debts44€939€12k▲
Suppliers440/4€939€12k▲
Taxes, remuneration and social security45€3k€958▼
Taxes450/3€3k€176▼
Remuneration and social security454/9-€782
Other amounts payable47/48€165k€11k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€7k▲
Other operating charges640/8€1k€955▼
Gross operating margin9900€206k€256k▲
Operating profit (loss)9901€201k€247k▲
Financial income75/76B€4€122▲
Recurring financial income75€4€122▲
Financial charges65/66B€108€346▲
Recurring financial charges65€108€346▲
Profit (loss) for the period before taxes9903€201k€247k▲
Income taxes67/77€45k€5k▼
Profit (loss) for the period9904€156k€242k▲
Profit (loss) for the period to be appropriated9905€156k€242k▲
Appropriation of the result
Profit (loss) to be appropriated9906€228k€242k▲
Profit (loss) brought forward from the previous period14P€72k-
Transfer to equity691/2-€242k
To other reserves6921-€242k
Profit to be distributed694/7€228k-
Return on contributions (dividend)694€228k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2020net €242k ▲55.4%
Operating result €247k, net result €242k, both a record.
31-12
Financial
Liquidity times 12current ratio 10.64
Current ratio from 0.87 to 10.64; short-term debt falls from €170k to €23k.
31-12
Financial
Equity above €200kEq €245k ▲8058%
5 profitable years in a row build equity to €245k.
28-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Puurs-Sint-Amands · 2 establishment units since 2020
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.
Hof ter Bollen 492870 Puurs-Sint-AmandsGround area
4,991 m²
Building footprint
523 m²
Volume, LiDAR
1,173 m³
2 parcels, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
KREATIK
since 20202.302.239.867
Loutersveld 21, 2870 Puurs-Sint-Amands
since 20252.390.428.111
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12022C0273/00N002 | Flanders | 2,634 m² | 1 · 202 m² | 8.6 m · 2 fl. |
| 12030B0854/00T003 | Flanders | 2,357 m² | 1 · 321 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
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
2025 · 1 entry · 3,750 EUR awarded · 3,750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,750 EUR | 3,750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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WeJune
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Of 1,272 companies in sector 58290 we hold annual accounts for 587. 436 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-04-2020
Fiscal year end31-12
Activities, NACEBEL
58290Other software publishing
47400Retail sale of information and communication equipment
47410Retail trade
68310Real estate agency activities
68311Real estate activities
70200Business and other management consultancy
70220Business consulting
86906Human health activities
86940Nursing and midwifery
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.