What does CREFIUS do?

CREFIUS is a bank in Sint-Joost-ten-Node. Public Limited, started on 11 May 1911, 3 establishments.

What is the address of CREFIUS?

The registered office of CREFIUS is located at Karel Rogierplein 11, 1210 Sint-Joost-ten-Node.

Is CREFIUS still active?

Yes. According to the CBE (29 October 2026) CREFIUS is active, legal situation “Normale toestand”, started on 11 May 1911.

Is CREFIUS registered on Peppol?

Yes, CREFIUS is registered on the Peppol network with ID 0208:0405549377.

What is the enterprise number of CREFIUS?

The enterprise number of CREFIUS is BE0405549377.

When was CREFIUS founded?

CREFIUS was founded on 11 May 1911.

Who are the directors of CREFIUS?

According to the 2025 annual accounts, the directors of CREFIUS are: Marleen Van Assche , Daniel Menu, Camille Gillon, Johan Van Loock, Mia Neyens, Pieter Falepin, Philippe Demazy.

Is CREFIUS a reliable company?

Databakkes does not pass judgement; this is what the sources say: Active according to the CBE since 11 May 1911; 4 annual accounts filed, latest fiscal year 2025; 7 directors known from the annual account; 3 establishments in the CBE.

How much profit did CREFIUS make in 2025?

CREFIUS posted a profit after taxes of € 5,087,234 in financial year 2025.

What is the revenue of CREFIUS?

In its most recent annual accounts (2025), CREFIUS reported revenue of € 36,922,567.

How much does an employee at CREFIUS earn?

The average wage cost per full-time employee at CREFIUS was € 88,400 in 2025: staff costs of € 17.5 million for 197.4 FTE, according to the annual account at the National Bank. That is the employer's cost, not net pay.

How many employees does CREFIUS have?

According to the 2025 annual accounts, CREFIUS has 197.4 full-time equivalents (FTE).

CREFIUS (Public Limited) - Sint-Joost-ten-Node

Dossier CREFIUS, printed on 29 October 2026 from databakkes.be/en/0405549377/crefius. Sources: CBE, National Bank of Belgium, Belgian Official Gazette.

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Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.

Busy address KBO

58 other companies have their registered office at the same address; threshold 10.

Financials

Financial year 2025

CREFIUS from Sint-Joost-ten-Node, company number BE0405549377, closed financial year 2025 with a result of € 5.1 million after tax. For that financial year CREFIUS recorded revenue of € 36.9 million and equity of € 18.5 million. Compared with financial year 2024, the result moved from € 4.1 million to € 5.1 million. Profitable, and profit is growing. The buffer is growing. A strong own buffer against the debts. The most recent annual accounts were filed with the National Bank of Belgium on March 26, 2026.

What it is worth Growing

€ 18.5 million

▲ 3% vs 2024

Assets minus debts, by the books. What is left if everything were sold and paid today.

Profit Growing

€ 5.1 million

▲ 24% vs 2024

Profit after tax over the fiscal year.

Cash in the bank

€ 6.9 million

▼ 7% vs 2024

Cash and bank balances on the last day of the fiscal year.

Where the profit goes Pays out

€ 4.5 million paid out

88 % of the profit went to the shareholders, the rest stayed in the company.

People and assets in 2025

Full-time equivalents

197.4

▲ 5.5 vs 2024

Average over the fiscal year, from the social balance sheet.

Wage cost Staff costs are payroll only. Director pay sits with services and miscellaneous goods: € 11.6 million in 2025, together with rent, insurance, accountants and other services. The accounts do not split that further.

€ 17.5 million

▲ 5% vs 2024

€ 88,400 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.

Vehicles and equipment

€ 816,378

▼ 11% vs 2024

Book value of vehicles, furniture and equipment.

Debts at end 2025

Bank debt

None

No bank loans on the last day of the fiscal year.

Owed to suppliers

€ 1.1 million

▼ 1% vs 2024

Supplier invoices still open on the last day of the fiscal year. Pays suppliers within 33 days on average.

Taxes and wages

€ 3.2 million

▲ 2% vs 2024

Taxes, VAT and social contributions still to pay.

Key figures per fiscal year Download key figures (CSV)
	2022	2023	2024	2025	Change 2024 → 2025
Revenue	€ 33,342,171 Revenue 2022: € 33,342,171 First fiscal year in the series	€ 32,347,674 Revenue 2023: € 32,347,674 ▼ 3% vs 2022 (€ 33,342,171) Unfavourable step	€ 35,474,780 Revenue 2024: € 35,474,780 ▲ 10% vs 2023 (€ 32,347,674) Favourable step	€ 36,922,567 Revenue 2025: € 36,922,567 ▲ 4% vs 2024 (€ 35,474,780) Favourable step	▲ 4%
Profit after taxes	€ 6,154,926 Profit after taxes 2022: € 6,154,926 First fiscal year in the series	€ 3,191,965 Profit after taxes 2023: € 3,191,965 ▼ 48% vs 2022 (€ 6,154,926) Unfavourable step	€ 4,109,119 Profit after taxes 2024: € 4,109,119 ▲ 29% vs 2023 (€ 3,191,965) Favourable step	€ 5,087,234 Profit after taxes 2025: € 5,087,234 ▲ 24% vs 2024 (€ 4,109,119) Favourable step	▲ 24%
Equity	€ 17,535,126 Equity 2022: € 17,535,126 First fiscal year in the series	€ 17,927,091 Equity 2023: € 17,927,091 ▲ 2% vs 2022 (€ 17,535,126) Favourable step	€ 17,846,919 Equity 2024: € 17,846,919 Unchanged (€ 17,927,091) Unfavourable step	€ 18,455,479 Equity 2025: € 18,455,479 ▲ 3% vs 2024 (€ 17,846,919) Favourable step	▲ 3%
Total debts	€ 9,576,162 Total debts 2022: € 9,576,162 First fiscal year in the series	€ 6,656,705 Total debts 2023: € 6,656,705 ▼ 30% vs 2022 (€ 9,576,162) Favourable step	€ 9,740,341 Total debts 2024: € 9,740,341 ▲ 46% vs 2023 (€ 6,656,705) Unfavourable step	€ 8,822,669 Total debts 2025: € 8,822,669 ▼ 9% vs 2024 (€ 9,740,341) Favourable step	▼ 9%
Cash	€ 12,746,408 Cash 2022: € 12,746,408 First fiscal year in the series	€ 6,592,628 Cash 2023: € 6,592,628 ▼ 48% vs 2022 (€ 12,746,408) Unfavourable step	€ 7,433,807 Cash 2024: € 7,433,807 ▲ 13% vs 2023 (€ 6,592,628) Favourable step	€ 6,921,063 Cash 2025: € 6,921,063 ▼ 7% vs 2024 (€ 7,433,807) Unfavourable step	▼ 7%
Land & buildings	€ 2,876,122 Land & buildings 2022: € 2,876,122 First fiscal year in the series	€ 2,846,135 Land & buildings 2023: € 2,846,135 ▼ 1% vs 2022 (€ 2,876,122) Unchanged	€ 2,818,740 Land & buildings 2024: € 2,818,740 ▼ 1% vs 2023 (€ 2,846,135) Unchanged	€ 2,792,537 Land & buildings 2025: € 2,792,537 ▼ 1% vs 2024 (€ 2,818,740) Unchanged	▼ 1%
Retained profit	€ 15,035,126 Retained profit 2022: € 15,035,126 First fiscal year in the series	€ 15,427,091 Retained profit 2023: € 15,427,091 ▲ 3% vs 2022 (€ 15,035,126) Favourable step	€ 15,346,919 Retained profit 2024: € 15,346,919 ▼ 1% vs 2023 (€ 15,427,091) Unfavourable step	€ 15,955,479 Retained profit 2025: € 15,955,479 ▲ 4% vs 2024 (€ 15,346,919) Favourable step	▲ 4%
Dividend	€ 4,900,000 Dividend 2022: € 4,900,000 First fiscal year in the series	€ 2,800,000 Dividend 2023: € 2,800,000 ▼ 43% vs 2022 (€ 4,900,000) Unchanged	€ 4,189,291 Dividend 2024: € 4,189,291 ▲ 50% vs 2023 (€ 2,800,000) Unchanged	€ 4,478,674 Dividend 2025: € 4,478,674 ▲ 7% vs 2024 (€ 4,189,291) Unchanged	▲ 7%
Balance sheet total	€ 28,420,798 Balance sheet total 2022: € 28,420,798 First fiscal year in the series	€ 25,832,531 Balance sheet total 2023: € 25,832,531 ▼ 9% vs 2022 (€ 28,420,798) Unchanged	€ 28,665,417 Balance sheet total 2024: € 28,665,417 ▲ 11% vs 2023 (€ 25,832,531) Unchanged	€ 28,086,733 Balance sheet total 2025: € 28,086,733 ▼ 2% vs 2024 (€ 28,665,417) Unchanged	▼ 2%
Employees (FTE)	206.1 Employees (FTE) 2022: 206.1 First fiscal year in the series	194.3 Employees (FTE) 2023: 194.3 ▼ 11.8 vs 2022 (206.1) Unchanged	191.9 Employees (FTE) 2024: 191.9 ▼ 2.4 vs 2023 (194.3) Unchanged	197.4 Employees (FTE) 2025: 197.4 ▲ 5.5 vs 2024 (191.9) Unchanged	▲ 5.5

Key figures of CREFIUS, 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 CREFIUS?

What happened at CREFIUS in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:

2031 Pieter Falepin stepped down as director. NBB
2027 Marleen Van Assche stepped down as director. NBB
2027 Daniel Menu stepped down as director. NBB
2027 Mia Neyens stepped down as director. NBB
Mar 26, 2026 New annual accounts for financial year 2025: profit of € 5.1 million (▲ 24% vs 2024). Source: NBB ↗
2026 Johan Van Loock stepped down as director. NBB
2026 Daniel Menu became a director. NBB
2025 Philippe Demazy stepped down as director. NBB

In short

From € 6.2 million profit in 2022 to € 5.1 million profit in 2025.

Paid € 6.6 million in corporate taxes since 2022.

Best year ever: 2022, with € 6.2 million profit.

Paid out € 16.4 million in dividends to the owners in total.

Original PDFs at the National Bank ↗

Management

Belfius Bank NV

Belfius Lease

CREFIUS

The shares are held by Belfius Bank NV and Belfius Lease.

Directors

According to the 2025 annual accounts

Marleen Van Assche

Gedelegeerd bestuurder

since 2021 · until 2027

Daniel Menu

Bestuurder

since 2026 · until 2027

Camille Gillon

Director

since 2024 · until 2025

Johan Van Loock

Director

since 2020 · until 2026

Mia Neyens

Bestuurder

since 2025 · until 2027

Pieter Falepin

Chairman of the board

since 2025 · until 2031

Philippe Demazy

Director

since 2021 · until 2025

Shareholders

Belfius Bank NV

Belfius Lease

Participations

No participations in other companies reported.

Establishments

Establishment units

Physical locations of this company

Registered office

Karel Rogierplein 11

1210 Sint-Joost-ten-Node

2.006.279.506

Sint-Amandsstraat 72

8800 Roeselare

Active since 1 May 1911

2.329.292.375

Avenue des Combattants 34

5000 Namur

Active since 17 May 2022

Who else lives here?

A building full of entrepreneurs or one very busy letterbox? Another 58 companies are registered at this address.

All companies at this address →

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+53 more

What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.

Details

Company number

0405.549.377

VAT number

BE 0405.549.377

Registered office

Karel Rogierplein 11, 1210 Sint-Joost-ten-Node

Names & denominations

CREFIUS

Enterprise type

Rechtspersoon

Legal form

Public limited company

Legal situation

Normale toestand

Start date

11 May 1911

Peppol

Active · Active since 25 Sept 2025

Activities · NACE

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Overige financiële dienstverlening, neg

View on CBE Public ↗ Annual accounts (NBB) ↗

CREFIUS

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Financials

What happened to CREFIUS?

Management

Directors

Shareholders

Participations

Establishments

Establishment units

Who else lives here?

Details

Frequently asked questions