noCreativity
ActivenoCreativity has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €35k. Equity is growing by ~18.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 17022 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+43
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 4.22 against 1.04 in 2024; short-term debt: 16.7% and cash: 11% of total assets), and 16.7% 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○neutral
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
Sector 62
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
83.3%
Return on assets
48.8%
Age of the figures
9 mo
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 31-12-2025 was due by 31-07-2026 and was filed on 24-04-2026, 98 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
98 d early
2024
119 d early
2023
120 d early
2022
80 d early
2021
3 d early
2020
11 d early
2019
28 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 142%
2024 · €25k
2018: €7k
2019: €6k
2020: €10k
2021: €24k
2022: €25k
2023: €25k
2024: €25k
2018 → 2025
Total assets
€72k▼ 5.8%
2024 · €76k
2018: €26k
2019: €20k
2020: €32k
2021: €63k
2022: €54k
2023: €73k
2024: €76k
2018 → 2025
Net result
€35k▼ 17.7%
2024 · €42k
2018: €4k
2019: €-1k
2020: €4k
2021: €23k
2022: €16k
2023: €32k
2024: €42k
2018 → 2025
Working capital
€39k▲ 1,676%
2024 · €2k
2018: €3k
2019: €2k
2020: €4k
2021: €11k
2022: €6k
2023: €-1
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€25k▲ 2.8%€25k=€25k=€60k▲ 142%
Operating result€30k-€20k▼ 32.8%€45k▲ 122%€59k▲ 32.2%€50k▼ 16.0%
Net result€23k-€16k▼ 29.8%€32k▲ 97.7%€42k▲ 34.0%€35k▼ 17.7%
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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €72k
Fixed assets
€21k▼ 7.3%
Current assets
€51k▼ 5.1%
Equity and liabilities €72k
Equity
€60k▲ 142%
Debt
€12k▼ 76.7%
The debt ratio falls from 67.5% to 16.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€60k▼
2024 · €70k
Cash flow
€45k▼
2024 · €53k
Solvency
83.3%▲
2024 · 32.5%
Current ratio
4.22▲
2024 · 1.04
Quick ratio
4.22▲
2024 · 1.04
Debt / equity
0.20▼
2024 · 2.08
ROE
58.6%▼
2024 · 172.1%
ROA
48.8%▼
2024 · 55.9%
Interest coverage
27.28▼
2024 · 32.28
Debt
€12k▼
2024 · €51k
Debt ≤ 1 year
€12k▼
2024 · €51k
Income taxes
€13k▼
2024 · €15k
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€76k€72k▼
Fixed assets21/28€23k€21k▼
Tangible fixed assets22/27€23k€21k▼
Plant, machinery and equipment23€18k€13k▼
Furniture and vehicles24€4k€8k▲
Current assets29/58€53k€51k▼
Amounts receivable within one year40/41€40k€41k▲
Trade receivables40€14k€14k=
Other amounts receivable41€25k€27k▲
Cash at bank and in hand54/58€14k€8k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€76k€72k▼
Equity10/15€25k€60k▲
Contributions10/11€6k€6k=
Reserves13€18k€53k▲
Distributable reserves133€18k€53k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€51k€12k▼
Amounts payable within one year42/48€51k€12k▼
Trade debts44€835€3k▲
Suppliers440/4€835€3k▲
Taxes, remuneration and social security45€8k€9k▲
Taxes450/3€6k€8k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€42k€0▼
Accrued charges and deferred income492/3€227€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€10k▼
Other operating charges640/8€4k€796▼
Gross operating margin9900€74k€60k▼
Operating profit (loss)9901€59k€50k▼
Financial income75/76B€241€266▲
Recurring financial income75€241€266▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€57k€48k▼
Income taxes67/77€15k€13k▼
Profit (loss) for the period9904€42k€35k▼
Profit (loss) for the period to be appropriated9905€42k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€35k▼
Transfer to equity691/2-€35k
To other reserves6921-€35k
Profit to be distributed694/7€42k€0▼
Return on contributions (dividend)694€42k€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
20-08
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-07-01
- Registered-office move, Adolphe Hullebroeckstraat 48, 9600 Ronse
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 4.22
Current ratio from 1.04 to 4.22; short-term debt falls from €51k to €12k.
03-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €42k ▲34%
Operating result €59k, net result €42k, both a record.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-1k ▼135%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Ronse · 1 establishment unit since 2015
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.
Adolphe Hullebroeckstraat 489600 RonseGround area
510 m²
Building footprint
96 m²
Volume, LiDAR
679 m³
Parcel 45422C1624/00E003, Flanders · tallest building 11.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
IO Art Factory
since 20152.238.824.435
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45422C1624/00E003 | Flanders | 510 m² | 1 · 96 m² | 11.6 m · 3 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 · 1 entry · 218 EUR awarded · 218 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 218 EUR | 218 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 16,887 companies in sector 62100 we hold annual accounts for 8,777. 6,895 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-01-2015
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.