CREATIC
ActiveSummary
CREATIC has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €848k and a net result of €123k. Equity is growing by ~33.1% per year across the filed fiscal years. Its solvency ranks better than 34% of 482 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability64▼-17
Solvency52=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.13 in 2024; short-term debt: 30.6% and cash: 0.4% of total assets), and 73% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 63
Relative position
BE, all sectors
reference
Computing infrastructure, data processing, hosting and other information service activities (NACE 63)
about 52% fewer bankruptcies
← 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
27%
Return on assets
3.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
23 d early
2023
27 d late
2022
28 d early
2021
37 d early
2020
22 d early
2019
14 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€848k▲ 6.9%
2024 · €794k
2018: €101klowest in 8 years
2019: €169k▲ +68.4% vs 2018
2020: €255k▲ +50.4% vs 2019
2021: €317k▲ +24.5% vs 2020
2022: €402k▲ +26.8% vs 2021
2023: €509k▲ +26.4% vs 2022
2024: €794k▲ +56.1% vs 2023
2025: €848k▲ +6.9% vs 2024highest in 8 years
2018 → 2025
Total assets
€3.15M▲ 7.5%
2024 · €2.93M
2018: €242klowest in 8 years
2019: €593k▲ +144% vs 2018
2020: €963k▲ +62.5% vs 2019
2021: €1.14M▲ +18.5% vs 2020
2022: €1.31M▲ +15.0% vs 2021
2023: €1.58M▲ +20.3% vs 2022
2024: €2.93M▲ +85.4% vs 2023
2025: €3.15M▲ +7.5% vs 2024highest in 8 years
2018 → 2025
Net result
€123k▼ 56.8%
2024 · €285k
2018: €20klowest in 8 years
2019: €79k▲ +304% vs 2018
2020: €91k▲ +14.9% vs 2019
2021: €64k▼ -29.3% vs 2020
2022: €87k▲ +35.6% vs 2021
2023: €207k▲ +138% vs 2022
2024: €285k▲ +38.0% vs 2023highest in 8 years
2025: €123k▼ -56.8% vs 2024
2018 → 2025
Working capital
€160k▲ 29.2%
2024 · €124k
2018: €85k
2019: €81k▼ -4.5% vs 2018
2020: €112k▲ +37.9% vs 2019
2021: €71k▼ -36.3% vs 2020lowest in 8 years
2022: €156k▲ +120% vs 2021
2023: €252k▲ +61.5% vs 2022highest in 8 years
2024: €124k▼ -51.1% vs 2023
2025: €160k▲ +29.2% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€317k-€402k▲ 26.8%€509k▲ 26.4%€794k▲ 56.1%€848k▲ 6.9%
2021: €317klowest in 5 years
2022: €402k▲ +26.8% vs 2021
2023: €509k▲ +26.4% vs 2022
2024: €794k▲ +56.1% vs 2023
2025: €848k▲ +6.9% vs 2024highest in 5 years
Operating result€90k-€141k▲ 56.5%€327k▲ 132%€470k▲ 43.9%€265k▼ 43.6%
2021: €90klowest in 5 years
2022: €141k▲ +56.5% vs 2021
2023: €327k▲ +132% vs 2022
2024: €470k▲ +43.9% vs 2023highest in 5 years
2025: €265k▼ -43.6% vs 2024
Net result€64k-€87k▲ 35.6%€207k▲ 138%€285k▲ 38.0%€123k▼ 56.8%
2021: €64klowest in 5 years
2022: €87k▲ +35.6% vs 2021
2023: €207k▲ +138% vs 2022
2024: €285k▲ +38.0% vs 2023highest in 5 years
2025: €123k▼ -56.8% vs 2024
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 44% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.15M
Fixed assets
€2.03M ▲ 10.7%
Current assets
€1.12M ▲ 2.2%
Equity and liabilities €3.15M
Equity
€848k ▲ 6.9%
Debt
€2.30M ▲ 7.8%
Debt's share of the balance-sheet total rises from 72.9% to 73.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€447k▼
2024 · €629k
Cash flow
€305k▼
2024 · €444k
Current ratio
1.17▲
2024 · 1.13
Quick ratio
1.04▲
2024 · 0.99
Debt to equity
2.71▲
2024 · 2.69
ROE
14.5%▼
2024 · 35.9%
ROA
3.9%▼
2024 · 9.7%
Interest coverage
4.90▼
2024 · 11.38
Debt ≤ 1 year
€963k▼
2024 · €974k
Debt > 1 year
€1.31M▲
2024 · €1.16M
Income taxes
€66k▼
2024 · €133k
Staff costs
€1.15M▲
2024 · €1.03M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.93M€3.15M▲
Fixed assets21/28€1.83M€2.03M▲
Intangible fixed assets21€158k€155k▼
Tangible fixed assets22/27€1.67M€1.87M▲
Land and buildings22€1.43M€1.68M▲
Plant, machinery and equipment23€39k€38k▼
Furniture and vehicles24€20k€27k▲
Leasing and similar rights25€153k€120k▼
Assets under construction and advance payments27€28k-
Financial fixed assets28€3k€4k▲
Current assets29/58€1.10M€1.12M▲
Stocks and contracts in progress3€130k€124k▼
Contracts in progress37€130k€124k▼
Amounts receivable within one year40/41€928k€912k▼
Trade receivables40€741k€529k▼
Other amounts receivable41€187k€384k▲
Cash at bank and in hand54/58€23k€11k▼
Deferred charges and accrued income490/1€17k€74k▲
Equity and liabilities
Total equity and liabilities10/49€2.93M€3.15M▲
Equity10/15€794k€848k▲
Reserves13€794k€848k▲
Distributable reserves133€794k€848k▲
Amounts payable17/49€2.13M€2.30M▲
Amounts payable after more than one year17€1.16M€1.31M▲
Financial debts170/4€1.16M€1.31M▲
Amounts payable within one year42/48€974k€963k▼
Current portion of amounts payable after more than one year42€137k€147k▲
Financial debts43€323k€375k▲
Credit institutions430/8€323k€375k▲
Trade debts44€211k€108k▼
Suppliers440/4€211k€108k▼
Taxes, remuneration and social security45€303k€333k▲
Taxes450/3€118k€155k▲
Remuneration and social security454/9€185k€178k▼
Accrued charges and deferred income492/3-€29k
Income statement
Code20242025
Remuneration, social security and pensions62€1.03M€1.15M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€159k€182k▲
Other operating charges640/8€7k€16k▲
Non-recurring operating charges66A-€75k
Gross operating margin9900€1.67M€1.69M▲
Operating profit (loss)9901€470k€265k▼
Financial income75/76B€3k€15k▲
Recurring financial income75€3k€15k▲
Financial charges65/66B€55k€91k▲
Recurring financial charges65€55k€91k▲
Profit (loss) for the period before taxes9903€418k€189k▼
Income taxes67/77€133k€66k▼
Profit (loss) for the period9904€285k€123k▼
Profit (loss) for the period to be appropriated9905€285k€123k▼
Appropriation of the result
Profit (loss) to be appropriated9906€285k€123k▼
Transfer from equity791/2-€69k
Transfer to equity691/2€285k€123k▼
To other reserves6921€285k€123k▼
Profit to be distributed694/7-€69k
Return on contributions (dividend)694-€69k
Social balance
Average headcount (FTE)908719.017.2▼
The notes to these accounts (17 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | €4k | €10k | - | - | - | - |
| Remuneration, social security and pensions62 | €490k | €728k | €807k | €1.03M | €1.15M | ▲ 11.6% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €73k | €91k | €98k | €159k | €182k | ▲ 14.4% |
| Other operating charges640/8 | €7k | €8k | €5k | €7k | €16k | ▲ 133% |
| Non-recurring operating charges66A | - | €855 | - | - | €75k | - |
| Gross operating margin9900 | €660k | €968k | €1.24M | €1.67M | €1.69M | ▲ 1.3% |
| Operating profit (loss)9901 | €90k | €141k | €327k | €470k | €265k | ▼ 43.6% |
| Financial income75/76B | €1k | €264 | €3k | €3k | €15k | ▲ 394% |
| Recurring financial income75 | €83 | €264 | €2k | €3k | €15k | ▲ 394% |
| Non-recurring financial income76B | €969 | - | €2k | - | - | - |
| Financial charges65/66B | €11k | €13k | €20k | €55k | €91k | ▲ 65.1% |
| Recurring financial charges65 | €11k | €13k | €20k | €55k | €91k | ▲ 65.1% |
| Profit (loss) for the period before taxes9903 | €80k | €127k | €311k | €418k | €189k | ▼ 54.8% |
| Income taxes67/77 | €16k | €41k | €104k | €133k | €66k | ▼ 50.5% |
| Profit (loss) for the period9904 | €64k | €87k | €207k | €285k | €123k | ▼ 56.8% |
| Profit (loss) for the period to be appropriated9905 | €64k | €87k | €207k | €285k | €123k | ▼ 56.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.14M | €1.31M | €1.58M | €2.93M | €3.15M | ▲ 7.5% |
| Fixed assets21/28 | €752k | €706k | €661k | €1.83M | €2.03M | ▲ 10.7% |
| Intangible fixed assets21 | €31k | €29k | €26k | €158k | €155k | ▼ 1.6% |
| Tangible fixed assets22/27 | €715k | €673k | €631k | €1.67M | €1.87M | ▲ 11.9% |
| Land and buildings22 | €656k | €618k | €580k | €1.43M | €1.68M | ▲ 17.8% |
| Plant, machinery and equipment23 | €40k | €36k | €40k | €39k | €38k | ▼ 2.4% |
| Furniture and vehicles24 | €20k | €20k | €11k | €20k | €27k | ▲ 37.3% |
| Leasing and similar rights25 | - | - | - | €153k | €120k | ▼ 21.6% |
| Assets under construction and advance payments27 | - | - | - | €28k | - | - |
| Financial fixed assets28 | €6k | €3k | €3k | €3k | €4k | ▲ 4.1% |
| Current assets29/58 | €389k | €607k | €918k | €1.10M | €1.12M | ▲ 2.2% |
| Stocks and contracts in progress3 | €27k | €38k | €76k | €130k | €124k | ▼ 4.4% |
| Contracts in progress37 | €27k | €38k | €76k | €130k | €124k | ▼ 4.4% |
| Amounts receivable within one year40/41 | €288k | €446k | €672k | €928k | €912k | ▼ 1.7% |
| Trade receivables40 | €265k | €381k | €656k | €741k | €529k | ▼ 28.7% |
| Other amounts receivable41 | €22k | €65k | €16k | €187k | €384k | ▲ 105% |
| Cash at bank and in hand54/58 | €74k | €94k | €126k | €23k | €11k | ▼ 49.8% |
| Deferred charges and accrued income490/1 | €600 | €28k | €43k | €17k | €74k | ▲ 329% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.14M | €1.31M | €1.58M | €2.93M | €3.15M | ▲ 7.5% |
| Equity10/15 | €317k | €402k | €509k | €794k | €848k | ▲ 6.9% |
| Contributions10/11 | €60k | €60k | - | - | - | - |
| Reserves13 | €257k | €342k | €509k | €794k | €848k | ▲ 6.9% |
| Non-distributable reserves130/1 | €6k | €6k | - | - | - | - |
| Reserves not available under the articles1311 | €6k | €6k | - | - | - | - |
| Distributable reserves133 | €251k | €336k | €509k | €794k | €848k | ▲ 6.9% |
| Amounts payable17/49 | €824k | €910k | €1.07M | €2.13M | €2.30M | ▲ 7.8% |
| Amounts payable after more than one year17 | €506k | €460k | €404k | €1.16M | €1.31M | ▲ 12.8% |
| Financial debts170/4 | €506k | €460k | €404k | €1.16M | €1.31M | ▲ 12.8% |
| Amounts payable within one year42/48 | €318k | €451k | €666k | €974k | €963k | ▼ 1.2% |
| Current portion of amounts payable after more than one year42 | €54k | €55k | €58k | €137k | €147k | ▲ 6.8% |
| Financial debts43 | €35k | €106k | €292k | €323k | €375k | ▲ 16.3% |
| Credit institutions430/8 | €35k | €106k | €292k | €323k | €375k | ▲ 16.3% |
| Trade debts44 | €85k | €78k | €100k | €211k | €108k | ▼ 48.9% |
| Suppliers440/4 | €85k | €78k | €100k | €211k | €108k | ▼ 48.9% |
| Advances received on contracts in progress46 | €507 | €4k | €3k | - | - | - |
| Taxes, remuneration and social security45 | €136k | €178k | €208k | €303k | €333k | ▲ 9.9% |
| Taxes450/3 | €38k | €62k | €74k | €118k | €155k | ▲ 31.4% |
| Remuneration and social security454/9 | €97k | €117k | €134k | €185k | €178k | ▼ 3.8% |
| Other amounts payable47/48 | €7k | €29k | €4k | - | - | - |
| Accrued charges and deferred income492/3 | €10 | - | - | - | €29k | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €64k | €87k | €207k | €285k | €123k | ▼ 56.8% |
| + Depreciation and write-downs630 | €73k | €91k | €98k | €159k | €182k | ▲ 14.4% |
| Operating cash flow (approximation) | €137k | €178k | €305k | €444k | €305k | ▼ 31.3% |
| Investment in fixed assets (approximation) | - | €-45k | €-53k | €-1.33M | €-378k | ▲ 71.5% |
| Change in cash | - | €21k | €32k | €-104k | €-11k | ▲ 89.1% |
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
2026
28-08
State Gazette act
Appointments: Elynd Partners (director) and Babette Saenen (day-to-day manager)Permanent representative: Rob Cuijvers · Resignation: Rob Cuijvers (director)8 facts ▸
State Gazette act
Appointments: Elynd Partners (director) and Babette Saenen (day-to-day manager)
Permanent representative: Rob Cuijvers · Resignation: Rob Cuijvers (director)8 facts ▸
- General meeting, 26-08-2026
- Director appointment, Elynd Partners (director)
- Permanent representative, Rob Cuijvers
- Director resignation, Rob Cuijvers (director)
- Director resignation, Rob Cuijvers (manager)
- Board meeting, 26-08-2026
- Director appointment, Elynd Partners (day-to-day manager)
- Director appointment, Babette Saenen (day-to-day manager)
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €285k ▲38%
Operating result €470k, net result €285k, both a record.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
31-12
Financial
Equity above €500kEq €509k ▲26.4%
6 profitable years in a row build equity to €509k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €255k ▲50.4%
3 profitable years in a row build equity to €255k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €169k ▲68.4%
2 profitable years in a row build equity to €169k.
Show earlier events
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
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.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
2 directors, last change in 2026
Babette Saenen
CurrentDay-to-day manager · since 26-08-2026
Elynd Partners
CurrentDirector · since 26-08-2026 · Private limited company · perm. rep.: Rob Cuijvers
26-08-2026
Babette Saenen: Appointed as Day-to-day manager
26-08-2026
Elynd Partners: Appointed as Director
26-08-2026
Elynd Partners: Appointed as Day-to-day manager
25-08-2026
CUIJVERS Rob: Resigned as Director
09-11-2023
CUIJVERS Rob: Resigned as Manager
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Pelt · 3 establishment units since 2016
Ground area
1,657 m²
Building footprint
481 m²
Volume, LiDAR
4,304 m³
2 parcels, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
5
companies at this address
See who is registered here
3 establishment units
Creatic
since 20162.257.823.171
Creatic
since 20212.324.176.616
Creatic
since 20262.389.584.607
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72362C0647/00B002 | Flanders | 1,143 m² | 1 · 200 m² | 14.4 m · 4 fl. |
| 72362C0606/00R002 | Flanders | 514 m² | 1 · 281 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared corporate director
→
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 26,755 EUR awarded · 27,913 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 7,365 EUR | 7,365 EUR |
| 2024 | 2 | 12,153 EUR | 12,153 EUR |
| 2023 | 1 | 4,469 EUR | 5,627 EUR |
| 2022 | 1 | 2,768 EUR | 2,768 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Werkbaarheidscheque (stopgezet)
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Of 2,787 companies in sector 63910 we hold annual accounts for 699. 294 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
Founded19-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
63910Web portal activities
47400Retail sale of information and communication equipment
62200Computer consultancy and computer facilities management
73110Advertising agencies
74120Graphic design and visual communication
Contact
Website
www.creatic.com
Phone
+32 11 49 42 94
Scores and ratios are computed by Checked and are not a credit decision.