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.
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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
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
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KLEIN BESCHRIJF
BE 0554.791.005
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Ten Vo
BE 0564.844.856
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"FRANK VOORTMANS CONSULTING
BE 0741.608.847
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Of 13,417 companies in sector 73300 we hold annual accounts for 6,896. 5,615 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.