Qreative
ActiveQreative has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €20k. Equity is shrinking by ~18% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 30% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency55▼-13
Growth32=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.41 against 1.74 in 2024; short-term debt: 70.4% and cash: 27.4% of total assets), and 70.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
29.6%
Return on assets
39.2%
Age of the figures
9 mo
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 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
17 d early
2023
43 d early
2022
on the day
2021
2 d early
2020
89 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▲ 28.1%
2024 · €12k
2020: €34k
2021: €36k
2022: €34k
2023: €24k
2024: €12k
2020 → 2025
Total assets
€52k▲ 85.0%
2024 · €28k
2020: €44k
2021: €62k
2022: €49k
2023: €59k
2024: €28k
2020 → 2025
Net result
€20k
2024 · €-12k
2020: €30k
2021: €11k
2022: €-2k
2023: €10k
2024: €-12k
2020 → 2025
Working capital
€15k▲ 25.4%
2024 · €12k
2020: €34k
2021: €32k
2022: €31k
2023: €24k
2024: €12k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€34k▼ 6.7%€24k▼ 28.8%€12k▼ 50.0%€15k▲ 28.1%
Operating result€15k-€-33€16k€-11k€30k
Net result€11k-€-2k€10k€-12k€20k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €30k after a loss of €11k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€424▲ 430%
Current assets
€52k▲ 84.0%
Equity and liabilities €52k
Equity
€15k▲ 28.1%
Debt
€37k▲ 127%
The debt ratio rises from 57.3% to 70.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▲
2024 · €-11k
Cash flow
€21k▲
2024 · €-12k
Solvency
29.6%▼
2024 · 42.7%
Current ratio
1.41▼
2024 · 1.74
Quick ratio
1.41▼
2024 · 1.74
Debt / equity
2.38▲
2024 · 1.34
ROE
132.3%▲
2024 · -99.9%
ROA
39.2%▲
2024 · -42.7%
Interest coverage
100.28▲
2024 · -18.02
Debt
€37k▲
2024 · €16k
Debt ≤ 1 year
€37k▲
2024 · €16k
Income taxes
€10k▲
2024 · €174
Staff costs
€21k
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€28k€52k▲
Fixed assets21/28€80€424▲
Tangible fixed assets22/27€80€424▲
Furniture and vehicles24€80€424▲
Current assets29/58€28k€52k▲
Amounts receivable within one year40/41€19k€37k▲
Trade receivables40€14k€29k▲
Other amounts receivable41€5k€8k▲
Cash at bank and in hand54/58€6k€14k▲
Deferred charges and accrued income490/1€3k€506▼
Equity and liabilities
Total equity and liabilities10/49€28k€52k▲
Equity10/15€12k€15k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€7k€10k▲
Amounts payable17/49€16k€37k▲
Amounts payable within one year42/48€16k€37k▲
Financial debts43€4k-
Credit institutions430/8€4k-
Trade debts44€2k€8k▲
Suppliers440/4€2k€8k▲
Taxes, remuneration and social security45€10k€14k▲
Taxes450/3€10k€10k▲
Remuneration and social security454/9-€4k
Other amounts payable47/48-€14k
Income statement
Code20242025
Remuneration, social security and pensions62-€21k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€398€258▼
Other operating charges640/8€55€3k▲
Gross operating margin9900€-11k€54k▲
Operating profit (loss)9901€-11k€30k▲
Financial income75/76B€20€344▲
Recurring financial income75€20€344▲
Financial charges65/66B€602€305▼
Recurring financial charges65€602€305▼
Profit (loss) for the period before taxes9903€-12k€30k▲
Income taxes67/77€174€10k▲
Profit (loss) for the period9904€-12k€20k▲
Profit (loss) for the period to be appropriated9905€-12k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€27k▲
Profit (loss) brought forward from the previous period14P€19k€7k▼
Profit to be distributed694/7-€17k
Return on contributions (dividend)694-€17k
The notes to these accounts (5 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-12k ▼217%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-05
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
1 act for this company is 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, Nivelles · 1 establishment unit since 2019
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.
Rue Demulder 391400 NivellesGround area
1.0 ha
Building footprint
547 m²
Volume, LiDAR
449 m³
2 parcels, Wallonia · tallest building 10.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Chaussée de Mons 14, 1400 Nivelles
since 20192.296.526.864
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25783E0247/00K000 | Wallonia | 1.0 ha | 1 · 494 m² | - |
| 25782C0052/00W000 | Wallonia | 143 m² | 1 · 53 m² | 10.2 m · 3 fl. |
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.
Similar companies · same sector, comparable size
HYGIEIA
BE 0700.711.667
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SIGPRA
BE 0883.956.842
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CON LECHE
BE 1028.596.116
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CARE-FULLY
BE 0687.776.817
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Chapter 3
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,574. 27,724 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2019
Fiscal year end31-12
Activities, NACEBEL
62100Computer programming
70200Business and other management consultancy
70220Business consulting
18130Pre-press and pre-media services
62010Computer programming, consultancy and related activities
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
74201Photography, excluding press photography
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.