CREATIZ
ActiveCREATIZ has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €7k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 35% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability77▲+2
Solvency58▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 1.19 in 2024; short-term debt: 33.1% and cash: 15.4% of total assets), and 66.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
33.2%
Return on assets
7%
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 28-08-2026, 28 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
28 d late
2024
57 d late
2023
21 d late
2022
58 d late
2021
18 d late
2020
61 d late
2019
69 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€20k
EBIT margin
-3.5%
Net result
€7k▲ 40.0%
2024 · €5k
2018: €-841
2019: €5k
2020: €16k
2021: €8k
2022: €3k
2023: €5k
2024: €5k
2018 → 2025
Working capital
€14k▲ 85.5%
2024 · €7k
2018: €-10k
2019: €-5k
2020: €7k
2021: €6k
2022: €5k
2023: €4k
2024: €7k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€22k▲ 13.0%€22k▲ 2.1%€26k▲ 16.1%€33k▲ 26.7%
Operating result€11k-€5k▼ 50.3%€11k▲ 99.6%€7k▼ 37.3%€10k▲ 53.6%
Net result€8k-€3k▼ 67.4%€5k▲ 95.4%€5k▲ 0.4%€7k▲ 40.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 54% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €98k
Fixed assets
€52k▼ 5.2%
Current assets
€46k▼ 0.6%
Equity and liabilities €98k
Equity
€33k▲ 26.7%
Debt
€66k▼ 13.2%
The debt ratio falls from 74.6% to 66.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€18k▲
2024 · €13k
Cash flow
€14k▲
2024 · €11k
Solvency
33.2%▲
2024 · 25.4%
Current ratio
1.42▲
2024 · 1.19
Quick ratio
1.42▲
2024 · 1.19
Debt / equity
2.01▼
2024 · 2.94
ROE
21.0%▲
2024 · 19.0%
ROA
7.0%▲
2024 · 4.8%
Interest coverage
10.30▲
2024 · 8.92
Debt
€66k▼
2024 · €76k
Debt ≤ 1 year
€33k▼
2024 · €39k
Debt > 1 year
€33k▼
2024 · €37k
Income taxes
€2k▲
2024 · €1k
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€101k€98k▼
Fixed assets21/28€55k€52k▼
Tangible fixed assets22/27€55k€52k▼
Land and buildings22€40k€38k▼
Plant, machinery and equipment23€13k€12k▼
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€150€150=
Current assets29/58€47k€46k▼
Amounts receivable within one year40/41€32k€31k▼
Trade receivables40€18k€21k▲
Other amounts receivable41€14k€10k▼
Cash at bank and in hand54/58€15k€15k▲
Deferred charges and accrued income490/1€44€147▲
Equity and liabilities
Total equity and liabilities10/49€101k€98k▼
Equity10/15€26k€33k▲
Contributions10/11€16k€16k=
Reserves13€10k€17k▲
Distributable reserves133€10k€17k▲
Amounts payable17/49€76k€66k▼
Amounts payable after more than one year17€37k€33k▼
Financial debts170/4€37k€33k▼
Amounts payable within one year42/48€39k€33k▼
Current portion of amounts payable after more than one year42€3k€4k▲
Trade debts44€27k€25k▼
Suppliers440/4€27k€25k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€5k€2k▼
Remuneration and social security454/9€1k€2k▲
Other amounts payable47/48€3k-
Income statement
Code20242025
Non-recurring operating income76A€6k-
Remuneration, social security and pensions62€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€349€278▼
Gross operating margin9900€15k€18k▲
Operating profit (loss)9901€7k€10k▲
Financial income75/76B€974€432▼
Recurring financial income75€974€432▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€6k€9k▲
Income taxes67/77€1k€2k▲
Profit (loss) for the period9904€5k€7k▲
Profit (loss) for the period to be appropriated9905€5k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€7k▲
Transfer to equity691/2€475€7k▲
To other reserves6921€475€7k▲
Profit to be distributed694/7€4k-
Return on contributions (dividend)694€4k-
The notes to these accounts (9 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
27-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 58 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €16k ▲210%
Operating result €19k, net result €16k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.68
Current ratio from 0.67 to 1.68; short-term debt falls from €16k to €11k.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 60 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
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.
15-09-2020
DUPONT Alex: Resigned as Manager
01-12-2019
Thomas DUPONT: Resigned as Managing director
30-04-2019
CLEMENTE Franco: Resigned as Managing director
Location & real-estate footprint
Registered office, Liège · 2 establishment units since 2009
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 Sart-Moray 1774032 LiègeGround area
324 m²
Building footprint
81 m²
Volume, LiDAR
522 m³
2 parcels, Wallonia · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CREATIZ
since 20092.182.242.553
CREATIZ
since 20262.389.485.627
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62023A0279/00K008 | Wallonia | 287 m² | 1 · 41 m² | 7.0 m · 2 fl. |
| 57003A0787/00K000 | Wallonia | 36 m² | 1 · 40 m² | 9.0 m · 2 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
LA TINTA
BE 0849.067.328
Antwerpen · Eq €33k
Y&B PAINTING
BE 0801.725.784
Antwerpen · Eq €33k
HERNOU BERT
BE 0842.449.453
Halle · Eq €33k
KM PROJECTS
BE 0724.815.177
Wachtebeke · Eq €33k
OHANA LS
BE 0803.887.993
Sint-Pieters-Woluwe · Eq €33k
Of 7,862 companies in sector 43341 we hold annual accounts for 2,664. 2,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-10-2009
Fiscal year end31-12
Activities, NACEBEL
43341Painting of buildings
43333Wallpapering and laying of floor and wall coverings in other materials
43342Specialised construction activities
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.