S. CREATIVE
ActiveSummary
S. CREATIVE has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €97k and a net result of €-2k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 7058 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability17▼-68
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
short-term debt: 0.7% and cash: 5.9% of total assets, and 0.7% of the assets are financed with debt.
Credit check for your own amount and term
Open the credit simulator : see how the verdict changes with amount, term and advance.
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.3%
Return on assets
-1.6%
Age of the figures
15 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 19-12-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
43 d early
2024
4 d early
2023
7 d early
2022
4 d early
2021
1 d late
2020
3 d early
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close25-09-2026 today31-01-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Accepting this client? The AML file with identity, beneficial owners and sanctions lists.AML client file How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed Roughly what is this company worth?Value indication
Financials · fiscal year 2025, micro schema
Equity
€97k▼ 1.6%
2024 · €98k
Total assets
€97k▼ 8.4%
2024 · €106k
Net result
€-2k
2024 · €14k
Working capital
€91k=
2024 · €91k
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€14k€4▼ 100.0%€12k▲ 308,423%€18k▲ 51.3%€-5k
Net result€14k€3k▼ 81.8%€10k▲ 294%€14k▲ 36.4%€-2k
Equity€71k▲ 25.6%€74k▲ 3.7%€84k▲ 14.0%€98k▲ 16.8%€97k▼ 1.6%
Total assets€79k▲ 20.5%€77k▼ 2.6%€93k▲ 20.5%€106k▲ 14.1%€97k▼ 8.4%
Debt€8k▼ 10.7%€4k▼ 56.9%€9k▲ 153%€8k▼ 11.3%€727▼ 90.9%
Working capital€69k▲ 37.0%€71k▲ 2.8%€82k▲ 14.6%€91k▲ 11.3%€91k=
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €18k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €97k
Fixed assets
€6k ▼ 22.1%
Current assets
€92k ▼ 7.3%
Equity and liabilities €97k
Equity
€97k ▼ 1.6%
Debt
€727 ▼ 90.9%
Debt's share of the balance-sheet total falls from 7.5% to 0.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €20k
Cash flow
€820▼
2024 · €16k
Debt to equity
0.01▼
2024 · 0.08
ROE
-1.7%▼
2024 · 14.4%
ROA
-1.6%▼
2024 · 13.3%
Interest coverage
-4.67▼
2024 · 35.33
Debt ≤ 1 year
€664▼
2024 · €8k
Income taxes
€130▼
2024 · €7k
A ratio outside any meaningful range has been withheld (balance sheet total €97k, equity €97k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €5k | €604 | €682 | €2k | €2k | ▲ 19.5% |
| Other operating charges640/8 | - | €455 | €411 | €761 | €453 | ▼ 40.5% |
| Gross operating margin9900 | €18k | €1k | €13k | €21k | €-2k | ▼ 112% |
| Operating profit (loss)9901 | €14k | €4 | €12k | €18k | €-5k | ▼ 129% |
| Financial income75/76B | - | €4k | €5k | €4k | €4k | ▲ 14.0% |
| Recurring financial income75 | €6k | €4k | €5k | €4k | €4k | ▲ 14.0% |
| Financial charges65/66B | - | €505 | €577 | €570 | €619 | ▲ 8.7% |
| Recurring financial charges65 | €523 | €505 | €577 | €570 | €619 | ▲ 8.7% |
| Profit (loss) for the period before taxes9903 | €19k | €4k | €16k | €21k | €-1k | ▼ 107% |
| Income taxes67/77 | €4k | €970 | €6k | €7k | €130 | ▼ 98.2% |
| Profit (loss) for the period9904 | €14k | €3k | €10k | €14k | €-2k | ▼ 111% |
| Profit (loss) for the period to be appropriated9905 | €14k | €3k | €10k | €14k | €-2k | ▼ 111% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €79k | €77k | €93k | €106k | €97k | ▼ 8.4% |
| Fixed assets21/28 | €2k | €2k | €2k | €7k | €6k | ▼ 22.1% |
| Tangible fixed assets22/27 | €2k | €2k | €2k | €7k | €6k | ▼ 22.1% |
| Plant, machinery and equipment23 | - | €2k | €2k | €2k | €1k | ▼ 27.3% |
| Furniture and vehicles24 | - | €744 | €744 | €744 | €744 | = |
| Other tangible fixed assets26 | - | - | - | €5k | €4k | ▼ 23.4% |
| Current assets29/58 | €78k | €75k | €91k | €99k | €92k | ▼ 7.3% |
| Amounts receivable within one year40/41 | €69k | €72k | €78k | €82k | €85k | ▲ 3.1% |
| Trade receivables40 | - | €6k | €8k | €7k | €6k | ▼ 19.9% |
| Other amounts receivable41 | - | €66k | €70k | €75k | €79k | ▲ 5.4% |
| Cash at bank and in hand54/58 | €9k | €3k | €12k | €16k | €6k | ▼ 62.9% |
| Deferred charges and accrued income490/1 | - | €447 | €463 | €914 | €866 | ▼ 5.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €79k | €77k | €93k | €106k | €97k | ▼ 8.4% |
| Equity10/15 | €71k | €74k | €84k | €98k | €97k | ▼ 1.6% |
| Contributions10/11 | - | €6k | €6k | €6k | €6k | = |
| Reserves13 | €65k | €68k | €78k | €92k | €90k | ▼ 1.7% |
| Non-distributable reserves130/1 | - | €2k | €2k | €0 | - | - |
| Reserves not available under the articles1311 | - | €2k | €2k | €0 | - | - |
| Distributable reserves133 | - | €66k | €76k | €92k | €90k | ▼ 1.7% |
| Amounts payable17/49 | €8k | €4k | €9k | €8k | €727 | ▼ 90.9% |
| Amounts payable within one year42/48 | €8k | €4k | €9k | €8k | €664 | ▼ 91.6% |
| Trade debts44 | €2k | €1k | €1k | €2k | €616 | ▼ 62.8% |
| Suppliers440/4 | - | €1k | €1k | €2k | €616 | ▼ 62.8% |
| Taxes, remuneration and social security45 | - | €2k | €8k | €6k | €48 | ▼ 99.2% |
| Taxes450/3 | - | €2k | €6k | €6k | €48 | ▼ 99.2% |
| Remuneration and social security454/9 | - | €625 | €1k | €0 | - | - |
| Accrued charges and deferred income492/3 | - | - | €61 | €89 | €63 | ▼ 29.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €14k | €3k | €10k | €14k | €-2k | ▼ 111% |
| + Depreciation and write-downs630 | €5k | €604 | €682 | €2k | €2k | ▲ 19.5% |
| Operating cash flow (approximation) | €19k | €3k | €11k | €16k | €820 | ▼ 94.9% |
| Investment in fixed assets (approximation) | - | €-1k | €-674 | €-7k | €-783 | ▲ 88.7% |
| Change in cash | - | €-6k | €9k | €4k | €-10k | ▼ 359% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
19-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity times 11current ratio 137.91
Current ratio from 12.47 to 137.91; short-term debt falls from €8k to €664.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity doublescurrent ratio 20.94
Current ratio from 9.36 to 20.94; short-term debt falls from €8k to €4k.
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Zaventem · 1 establishment unit since 1995
Ground area
401 m²
Building footprint
66 m²
Volume, LiDAR
602 m³
Parcel 23082D0328/00Z000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
S CREATIVE
since 19952.070.107.682
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23082D0328/00Z000 | Flanders | 401 m² | 1 · 66 m² | 11.4 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel 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
TAGADA CONCEPT
BE 0861.894.686
Elsene · Eq €96,661
Portkey
BE 0782.615.202
Puurs-Sint-Amands · Eq €96,664
KLEIN BESCHRIJF
BE 0554.791.005
Oud-Heverlee · Eq €96,686
Ten Vo
BE 0564.844.856
Kortenberg · Eq €96,686
"FRANK VOORTMANS CONSULTING
BE 0741.608.847
Hasselt · Eq €96,602
Of 13,417 companies in sector 73300 we hold annual accounts for 6,899. 5,618 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded06-12-1994
Fiscal year end30-06
Activities, NACEBEL 2025
73300Public relations and communication consultancy
Scores and ratios are computed by Checked and are not a credit decision.