Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of CREATIVE FACTORY is 0.3% (very low). The 2025 annual accounts show equity of €1.73M and a net result of €461k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 83% of 46 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 8 annual accounts.
Signals
2 signals · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 83% of 46 peers (2025). A comfortable equity buffer.
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2024 and 2025).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-04-2026, 94 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 28-04-2026 | 94 d early | 2026-00098723 |
| 31-12-2024 | 31-07-2025 | 10-06-2025 | 51 d early | 2025-00136795 |
| 31-12-2023 | 31-07-2024 | 11-06-2024 | 50 d early | 2024-00134647 |
| 31-12-2022 | 31-07-2023 | 22-05-2023 | 70 d early | 2023-00093571 |
| 31-12-2021 | 31-07-2022 | 02-06-2022 | 59 d early | 2022-20052184 |
| 31-12-2020 | 31-07-2021 | 02-06-2021 | 59 d early | 2021-17100423 |
| 31-12-2019 | 31-07-2020 | 12-05-2020 | 80 d early | 2020-12100529 |
| 31-12-2018 | 31-07-2019 | 27-05-2019 | 65 d early | 2019-14800459 |
| 31-12-2017 | 31-07-2018 | 15-05-2018 | 77 d early | 2018-13000578 |
| 31-12-2016 | 31-07-2017 | 01-06-2017 | 60 d early | 2017-14700001 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2007, 19 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyone0.3%
Very low
0%0,5%1,5%4%10%≥25%
Lower-risk legal form
−Higher-failure-rate region
+Higher-failure-rate sector
+
Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Turnover€711k+0.7%
EBIT margin69.3%+4.3pp
Net result€461k+7.2%
Working capital€-154k+35.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 28-04-2026 with the NBB · fiscal year 2025 · verkort
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
growing
Equity: growth of ~13%/year over 8 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2025 · NACE 81, Cleaning & landscape services · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 76.4% | 39.2% | |
| Net result | €461k | €15k | |
| Equity | €1.73M | €74k | |
| Gross operating margin | €829k | €201k | |
| Total assets | €2.27M | €378k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P83
Improving position over 2020-2025
· n=46-140
P95
Stable position over 2020-2025
· n=45-138
P95
Improving position over 2020-2025
· n=46-140
P86
Improving position over 2020-2025
· n=45-138
Describes the position versus peers, not a forecast.
€711k
+0.7%
18-25
€756k
+3.5%
18-25
€461k
+7.2%
18-25
€586k
+5.6%
18-25
€2.27M
-0.2%
18-25
€1.73M
-2.2%
18-25
€-154k
+35.5%
18-25
€159k
+7.1%
18-25
€500k
+334.8%
18-25
€536k
+6.9%
18-25
€536k
+7.3%
18-25
€342k
-48.8%
18-25
0.71
+36.5%
18-25
0.71
+36.5%
18-25
76.4%
-2.0%
18-25
0.31
+9.3%
18-25
26.6%
+9.6%
18-25
20.3%
+7.4%
18-25
147.8%
-16.7%
18-25
87.3%
+5.0%
18-25
41.90
+90.1%
18-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | - |
| EBITDA | €756k |
| Net profit | €461k |
| Cash flow | €586k |
| Staff costs | - |
| Income taxes | €159k |
| Dividends | €500k |
| Total assets | €2.27M |
| Equity | €1.73M |
| Debt | €536k |
| of which ≤ 1y | €536k |
| of which > 1y | - |
| Working capital | €-154k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.71 |
| Quick ratio | 0.71 |
| Working capital ratio | -6.8% |
| Solvency | 76.4% |
| Debt / equity | 0.31 |
| Long-term debt ratio | - |
| Interest coverage | 41.90 |
| Gross margin | - |
| Net margin | - |
| ROA | 20.3% |
| ROE | 26.6% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €2.27M |
| Fixed assets | 21/28 | €1.88M |
| Tangible fixed assets | 22/27 | €1.88M |
| Current assets | 29/58 | €382k |
| Cash & bank | 54/58 | €382k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €2.27M |
| Equity | 10/15 | €1.73M |
| Contributions / capital | 10/11 | €62k |
| Reserves | 13 | €6k |
| Accumulated profits (losses) | 14 | €1.66M |
| Amounts payable | 17/49 | €536k |
| Amounts payable within one year | 42/48 | €536k |
| Trade debts payable within one year | 44 | €3k |
| Income statement | ||
| Gross operating margin | 9900 | €829k |
| Operating result | 9901 | €631k |
| Financial income | 75 | €7k |
| Financial charges | 65 | €18k |
| Result before taxes | 9903 | €620k |
| Income taxes | 67/77 | €159k |
| Net result for the period | 9904 | €461k |
| Result to be appropriated | 9905 | €461k |
You are seeing the latest fiscal year only. 4 prior years (figures + ratios) are in a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2025 · computed73
/ 100
Healthy
Computed from 5 of the 6 factors this model weighs. The rest cannot be derived from the filed figures, or need a prior year to compare against.
The full score breakdown, per-year score history and the indicative credit limit are in Kantoor S.
See plans →Computed by Checked from the NBB filing for FY 2025. Indicative, not credit advice.
Directors
Directors & mandates
4 directorsCurrent directors & mandates
-
HM II Pareto BisManagerState Gazette act 26331103 (18-05-2026)Current30-04-2026 → present
2 events
- 30-04-2026 Resigned· Director
- 30-04-2026 Appointed· Manager
-
Christophe HamalDirectorState Gazette act 22151613 (23-12-2022)Current21-10-2022 → present
-
Merno ImmoLegal entityDirector· perm. rep.: Wim KinnetState Gazette act 22151613 (23-12-2022)Current21-10-2022 → present
Former directors (1)
-
Henricus (Henk) JanssenDirectorState Gazette act 22151613 (23-12-2022)Former- → 21-10-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Diverse ondersteunende activiteiten ten behoeve van voorzieningen(81100) |
| Legal form | Limited partnership(612) |
| Incorporation | 26-03-2007 |
| Status | Active |
| Postal code | 1200 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
de Broquevillelaan 401200 Sint-Lambrechts-WoluweEstablishment units
1 locationCreative Factory
since 20072.163.259.851
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area469 m²
Buildings1
Building footprint141 m²
Volume (LiDAR)2,028 m³
Tallest building25.0 m · ±5 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0135/00Z003 | Brussels | 469 m² | 1 · 141 m² | 25.0 m · 5 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
9 acts Capital history · 3
18-05-2026
Capital conversion: amount: 62000, shares: 620, currency: EUR
29-06-2023
v3.2
06-06-2023
v3.2
Address history · 1
18-05-2026
Seat change: to: de Broquevillelaan 40, 1200 Sint-Lambrechts-Woluwe, from: Posthofbrug 16, 2600 Antwerpen
All acts · 9
updated 2 months ago
2026
18-05-2026 General meeting · Seat change · Auditor report · Legal form conversion
- Filing: 2026-05-13 · CREATIVE FACTORY
- Publication: 2026-05-18 · CREATIVE FACTORY
- General meeting: 2026-04-30 · CREATIVE FACTORY
- Seat change: to: de Broquevillelaan 40, 1200 Sint-Lambrechts-Woluwe, from: Posthofbrug 16, 2600 Antwerpen · CREATIVE FACTORY
- Auditor report: 2026-04-30 · Ernst & Young Bedrijfsrevisoren
- Legal form conversion: to: Commanditaire vennootschap, from: Naamloze vennootschap · CREATIVE FACTORY
- Statute amendment: 2026-04-30 · CREATIVE FACTORY
- Officer resignation: 2026-04-30 · HM II Pareto Bis
- Officer resignation: 2026-04-30 · CASSELMAN Nicolas Frederic Monique
- Officer appointment: role: niet-statutaire zaakvoerder, duration: onbepaalde duur, start_date: 2026-04-30 · HM II Pareto Bis
- Mandate compensation: kosteloos · HM II Pareto Bis
- Power of attorney: coördinatie statuten · CREATIVE FACTORY
- Power of attorney: formaliteiten · CREATIVE FACTORY
- Capital conversion: amount: 62000, shares: 620, currency: EUR · CREATIVE FACTORY
- Accounting effect: 2026-03-31 · CREATIVE FACTORY
- Act object: WIJZIGING RECHTSVORM, STATUTEN (VERTALING,
Summary:
General meeting · Seat change · Auditor report · Legal form conversionNotary:
Tim CARNEWAL
2025
14-07-2025 Joeri Klaykens reappointed as statutory auditor
2024
05-01-2024 Articles of association amended
Summary:
v3.2
2023
29-06-2023 Transaction in capital or shares
Summary:
v3.2
06-06-2023 Transaction in capital or shares
Summary:
v3.2
2022
23-12-2022 2 directors appointed, 1 resigning
- Christophe Hamal, Bestuurder
- Wim Kinnet, Bestuurder
- Henricus (Henk) Janssen, Bestuurder
Summary:
v3.2
20-05-2022 Christel Weymeersch reappointed as statutory auditor
2018
21-06-2018 2 reappointed
2016
07-06-2016 1 director appointed, 1 resigning
Analysis
Snowflake analysis
financial profile on 5 axes78
/ 100
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
Health
73
Profitability
100
Solvency
71
Growth
48
Stability
100
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0450.100.190 · Brussel
BE 0462.020.502 · Sint-Niklaas
BE 0766.915.355 · Arlon
BE 0461.448.103 · Aalst
BE 0892.103.060 · Aartselaar
We hold annual accounts for 102 of the 1,278 companies in this sector. 24 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Beheer van residentiële gebouwen70321Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100Diverse ondersteunende activiteiten ten behoeve van voorzieningen81100
Primary activity highlighted.
Names & trade names
| Legal nameNL | CREATIVE FACTORY |
Registered office
de Broquevillelaan 40
1200 Sint-Lambrechts-Woluwe, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.