Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Two loss years in a row NBB
Negative result in 2024 and 2025.
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Tight liquidity NBB
Cash and receivables cover 15 % of short-term debt in 2025; threshold 65 %.
Financials
Financial year 2025
KREATIEF from Bocholt, company number BE0419479864, closed financial year 2025 with a result of € -81,847 after tax. For that financial year KREATIEF recorded a gross margin of € -3,769 and equity of € 1.7 million. Compared with financial year 2024, the result moved from € -146,586 to € -81,847. The company made a loss. The company holds a healthy buffer. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on May 4, 2026.
€ 1.7 million
▼ 5% vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ -81,847
▲ 44 % less loss than in 2024
Profit after tax over the fiscal year.
€ 3,920
▲ 42% vs 2024
Cash and bank balances on the last day of the fiscal year.
Loss, nothing to pay out
Reserves fell to € 1.6 million.
Debts at end 2025
None
No bank loans on the last day of the fiscal year.
€ 1,650
▼ 89% vs 2024
Supplier invoices still open on the last day of the fiscal year.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 243,127 | € 150,099 | € 24,686 | € -3,769 | ▼ € 28,455 |
| Profit after taxes | € 35,193 | € -57,397 | € -146,586 | € -81,847 | ▲ € 64,739 |
| Equity | € 2,008,234 | € 1,950,837 | € 1,804,251 | € 1,722,404 | ▼ 5% |
| Total debts | € 2,294,899 | € 2,397,684 | € 2,303,483 | € 2,309,633 | |
| Cash | € 24,262 | € 121,746 | € 2,757 | € 3,920 | ▲ 42% |
| Land & buildings | € 3,222,223 | € 3,318,011 | € 3,229,246 | € 3,162,958 | ▼ 2% |
| Retained profit | € 1,899,719 | € 1,842,322 | € 1,695,736 | € 1,613,889 | ▼ 5% |
| Balance sheet total | € 4,352,119 | € 4,394,103 | € 4,149,911 | € 4,070,810 | ▼ 2% |
Key figures of KREATIEF, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to KREATIEF?
What happened at KREATIEF in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- Jo Vanduffel stepped down as director. NBB
- Bieke Vanduffel stepped down as director. NBB
- Heidy Vanduffel stepped down as director. NBB
- New annual accounts for financial year 2025: loss of € 81,847. Source: NBB ↗
- Jo Vanduffel became a director. NBB
- Bieke Vanduffel became a director. NBB
- Heidy Vanduffel became a director. NBB
- New establishment in Bocholt. KBO
In short
From € 35,193 profit in 2022 to € 81,847 loss in 2025.
Paid € 70,359 in corporate taxes since 2022.
Best year ever: 2022, with € 35,193 profit.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
Directors
According to the 2025 annual accounts
since 2020 · until 2027
Bieke Vanduffel
Director
since 2020 · until 2027
Heidy Vanduffel
Director
since 2020 · until 2027
Establishments
Establishment units
Physical locations of this company
Monshofstraat 30
3950 Bocholt
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 2 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0419.479.864
- VAT number
- BE 0419.479.864
- Registered office
- Monshofstraat 30, 3950 Bocholt
- Names & denominations
- KREATIEF
- Enterprise type
- Rechtspersoon
- Legal form
- Public limited company
- Legal situation
- Normale toestand
- Start date
- 9 May 1979
- Peppol
- Active · Active since 18 Jan 2026